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Welcome to Altitude Rewards

Westpac’s own credit card rewards program lets you earn Altitude Reward points on purchases to redeem for
gift cards, cash back, with partner airlines or at our online store.

Not only do you get the choice on how to use your points, you’ll earn even more of them
when you shop with our select partners.

Whether Platinum or Black, there’s plenty more to love beyond points and rewards. Scroll down to take a look.


Explore our Altitude Rewards cards:

Our partners include


Altitude Points earn rate on eligible purchases

Get 3 Altitude Points per $1 spent

On flights purchased in Australia directly with Qantas and Jetstar. Applies to the first $10K spent on flights/calendar month, then 1 point per $1 spent afterwards<<.

 

Get 2 Altitude Points per $1 spent

On Uber, Uber Eats, Spotify Premium, Airbnb and on Overseas Spend (including overseas purchases made from Australia)<<<.

 

Get 1 Altitude Point per $1 spent

On all other eligible purchases6.

 


Redeem your Altitude Points for

Gift cards 

Mastercard, Bunnings, JB Hi-Fi or any other of our 24 partner retailers.

Cashback

Help repay your card balance by turning points into credit on your card.

Something else

From cinema tickets to spa treatments, and everything in-between.

Frequent flyer program points 

Including oneworld, KrisFlyer, Velocity, Malaysia and Asia Miles.

130,000 bonus Altitude Rewards Points

Already with Westpac? Sign in and apply to get your first year annual card fee waived

130,000 bonus Altitude Rewards Points with $3k+ spend on eligible purchases within 90 days of card approval>.

0% p.a. for 24 months on balance transfer>> when requested at card application. 1% balance transfer fee applies. After 24 months, rate reverts to the variable cash advance rate of 21.49% p.a.

Plus, a reduced first year annual card fee of $49 ($150 thereafter)*. Already with Westpac? Sign in and apply and we’ll waive your first year annual card fee>>>.

Offer not available if you’ve held an Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas or Velocity in the last 12 months. T&Cs apply.

The important numbers

 

    

Ongoing annual card fee: $150

Variable purchase rate: 20.49% p.a.

Variable cash advance rate: 21.49% p.a.

Interest free days on purchases: Up to 45 days2

Minimum credit limit: $6,000

Minimum income required: $30,000


More than rewards points

Complimentary Insurance4

Access to Interstate Flight Inconvenience Insurance and Rental Vehicle Excess in Australia cover, up to 3 months’ complimentary cover for international travel insurance, plus extended warranty, purchase protection for up to 4 months’ and overseas transit accident insurance. (terms, conditions, exclusions and eligibility criteria apply).

Additional cardholder1

There's no cost for a card for an additional cardholder aged 16 or older, and you'll earn points even faster


Before you apply

To improve the likelihood your application is approved and in a timely manner, please read this section carefully before applying. Please note that we cannot process new credit applications while a COVID-19 relief package is applied to your account. If you wish to proceed with an application, you will first have to request a withdrawal from the package through Online Banking or call us on 132 032. For more information please visit our COVID-19 customer support webpage.

As part of reviewing your application we look at the information on your credit report, which is produced by an independent credit bureau. This report shows a snapshot of your liabilities, available credit, and your repayment behaviour for these accounts. To learn more about credit reporting in Australia visit www.westpac.com.au/ccr.

It’s a good idea to view your own credit report and check your details are correct before starting your application. You can do this for free by visiting the credit bureau website directly, or via CreditSmart.org.au. We work with three bureaus: Equifax, illion and Experian, so you might like to check the report produced by each of them.

Before starting your application, make sure you have everything in the list below:


If you’re an existing Westpac customer, you’ll also need to:

Any errors in the details you provide could delay your process, or even mean you are declined. Again, checking against your credit report can help here.

Every time you apply for any form of credit, your credit history is checked by the credit provider. This is listed as an enquiry on your report. Multiple applications can be seen as a red flag and reduce your chances of approval.


Frequently asked questions
 

Westpac will not cancel your other Card Account(s). If your aim is to pay down your balances and reduce the number of credit cards you hold, it may be helpful to cancel your old card account(s) once the balance transfer is complete so you don’t use them and accrue more debt. You can cancel a credit card online or over the phone (although you are still liable to pay off any balance).

You can obtain written confirmation of eligibility for cover for your overseas journey from the issuer of the insurance, AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited, based on the answers you give AGA, by applying online at:www.checkyourcover.com.au/westpac. If you provide AGA with incorrect answers to the questions we ask you, you may not be eligible for cover under the group policy issued to Westpac.4

Spotify Premium (monthly Spotify subscriptions) purchases made at Spotify’s Australian website, are eligible for Accelerated Earn. Ticket purchases or merchandise purchased through Spotify are not eligible for Accelerated Earn Bonus Points.

International Travel Insurance4(see policy for details)
Access to up to 3 months' complimentary cover for International Travel Insurance when you meet the eligibility criteria as set out in the Credit Card Complimentary Insurance Policy including prepaying $500 of your travel costs to your eligible card and holding a return overseas ticket before departing Australia, (see policy document for full eligibility criteria, terms, conditions, and exclusions).
Overseas Transit Accident Insurance4
Overseas Transit Accident insurance covers against specified accidental death or injury when sustained overseas while riding, boarding or alighting as a passenger in a plane, bus, train or shorthaul ferry when you have purchased the tickets for the entire trip using your Credit Card before you leave (terms, conditions, exclusions and eligibility criteria apply).
Purchase Protection Insurance4
Access to up to 4 months Purchase Protection Insurance on eligible purchases, as set out in the Credit Card Complimentary Insurance Policy (terms, conditions, exclusions and eligibility criteria apply).
Extended Warranty Insurance4

Up to 24 months extended warranty insurance cover (in addition to the manufacturer's expressed Australian warranty) on a range of personal items purchased using your Credit Card (terms, conditions, exclusions and eligibility criteria apply).

Ongoing annual card fee

$150

Ongoing annual rewards program

fee

Altitude Rewards: $0

Foreign transaction fee

3.0%

Payable as a percentage of the Australian dollar value of any foreign transaction.

Applies for transactions in a foreign currency, or in Australian dollars but processed by an overseas merchant or financial institution.

Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia. More about this fee.

Cash advance fee
2.0% or $2.50, whichever is higher (max. $150).  If account has a positive balance after the transaction: $2.50 (regardless of transaction value). These charges will appear on your statement directly below the relevant cash advance.
Missed payment charge $15 each statement cycle that the minimum monthly payment is not paid by the statement due date.

Follow these tips to minimise credit card fees and charges.

   

Our partners include


Altitude Points earn rate on eligible purchases

Get 6 Altitude Points per $1 spent 

On flights purchased in Australia directly with Qantas, Jetstar, Singapore Airlines and Emirates. Applies to the first $10K spent on flights/calendar month, then 1.25 points per $1 spent afterwards<<.

 

Get 2 Altitude Points per $1 spent

On Uber, Uber Eats, David Jones, Myer, THE ICONIC, Spotify Premium and Airbnb<<<

 

Get 1.25 Altitude Points per $1 spent

On all other eligible purchases6.


Redeem your Altitude Points for

Gift cards 

Mastercard, Bunnings, JB Hi-Fi or any other of our 24 partner retailers.

Cashback

Help repay your card balance by turning points into credit on your card.

Something else

From cinema tickets to spa treatments, and everything in-between.

Frequent flyer program points 

Including oneworld, KrisFlyer, Velocity, Malaysia and Asia Miles.

180,000 bonus Altitude Points

Already with Westpac? Sign in to apply for a $49 annual card fee for the first year ($250 thereafter)**

180,000 bonus Altitude Points with $6k+ spend on eligible purchases within 120 days of card approval^.

You can redeem 180,000 Altitude Points for $750 in eGift cards at a range of retailers or choose merchandise from our online store5.

0% p.a. for 24 months on balance transfer>> when requested at card application. 1% balance transfer fee applies. After 24 months, rate reverts to the variable cash advance rate.

Plus, a reduced first year annual card fee of $99 ($250 thereafter)##. Already with Westpac? Sign in to apply for a $49 annual card fee for the first year**.

Offer not available if you’ve held an Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas or Velocity in the last 12 months. T&Cs apply.

The important numbers

 

Altitude Black World Mastercard®

    

Ongoing annual card fee: $250

Variable purchase rate: 20.49% p.a.

Variable cash advance rate: 21.49% p.a.

Interest free days on purchases: Up to 45

Minimum credit limit: $15,000

Minimum income required: $75,000


More than rewards points

Complimentary Insurance4

Access to Interstate Flight Inconvenience Insurance and Rental Vehicle Excess in Australia cover, up to 6 months’ complimentary cover for international travel insurance, plus extended warranty, purchase protection for up to 4 months’ and overseas transit accident insurance. (terms, conditions, exclusions and eligibility criteria apply).

Personal Concierge Service

Exclusive to Westpac Altitude Black cardholders, the Personal Concierge Service lets you browse and book experiences online, including hard-to-get tickets, last-minute restaurant bookings and more. 
Find out more

Extra Airport Lounge benefits

Including two complimentary Priority Pass airport lounge passes each year, one of which you can share with your travel companion3. See FAQs on how to redeem.


Before you apply

To improve the likelihood your application is approved and in a timely manner, please read this section carefully before applying. Please note that we cannot process new credit applications while a COVID-19 relief package is applied to your account. If you wish to proceed with an application, you will first have to request a withdrawal from the package through Online Banking or call us on 132 032. For more information please visit our COVID-19 customer support webpage.

As part of reviewing your application we look at the information on your credit report, which is produced by an independent credit bureau. This report shows a snapshot of your liabilities, available credit, and your repayment behaviour for these accounts. To learn more about credit reporting in Australia visit www.westpac.com.au/ccr.

It’s a good idea to view your own credit report and check your details are correct before starting your application. You can do this for free by visiting the credit bureau website directly, or via CreditSmart.org.au. We work with three bureaus: Equifax, illion and Experian, so you might like to check the report produced by each of them.

Before starting your application, make sure you have everything in the list below:


If you’re an existing Westpac customer, you’ll also need to:

Any errors in the details you provide could delay your process, or even mean you are declined. Again, checking against your credit report can help here.

Every time you apply for any form of credit, your credit history is checked by the credit provider. This is listed as an enquiry on your report. Multiple applications can be seen as a red flag and reduce your chances of approval.


Frequently asked questions
 

Spotify Premium (monthly Spotify subscriptions) purchases made at Spotify’s Australian website, are eligible for Accelerated Earn. Ticket purchases or merchandise purchased through Spotify are not eligible for Accelerated Earn Bonus Points.

You can obtain written confirmation of eligibility for cover for your overseas journey from the issuer of the insurance, AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited, based on the answers you give AGA, by applying online at:www.checkyourcover.com.au/westpac. If you provide AGA with incorrect answers to the questions we ask you, you may not be eligible for cover under the group policy issued to Westpac.4

International Travel Insurance4(see policy for details)
Access to up to 6 months' complimentary cover for International Travel Insurance when you meet the eligibility criteria as set out in the Credit Card Complimentary Insurance Policy including prepaying $500 of your travel costs to your eligible card and holding a return overseas ticket before departing Australia, (see policy document for full eligibility criteria, terms, conditions, and exclusions).
Overseas Transit Accident Insurance4
Overseas Transit Accident insurance covers against specified accidental death or injury when sustained overseas while riding, boarding or alighting as a passenger in a plane, bus, train or shorthaul ferry when you have purchased the tickets for the entire trip using your Credit Card before you leave (terms, conditions, exclusions and eligibility criteria apply).
Purchase Protection Insurance4
Access to up to 4 months Purchase Protection Insurance on eligible purchases, as set out in the Credit Card Complimentary Insurance Policy (terms, conditions, exclusions and eligibility criteria apply).
Extended Warranty Insurance4

Up to 24 months extended warranty insurance cover (in addition to the manufacturer's expressed Australian warranty) on a range of personal items purchased using your Credit Card (terms, conditions, exclusions and eligibility criteria apply).

We’ve recently partnered with Ten Lifestyle Services. Westpac Altitude Black cardholders will now be able to browse and book experiences with ease, purchase hard-to-get tickets, make last-minute restaurant reservations and more, all online. You can find out more here, or reach our Lifestyle Managers on 1300 651 999 (option 4) for 24/7 personalised assistance.

Annual card fee

$250

Annual rewards program fee Altitude Rewards: $0

Foreign transaction fee

3.0%

Payable as a percentage of the Australian dollar value of any foreign transaction.

Applies for transactions in a foreign currency, or in Australian dollars but processed by an overseas merchant or financial institution.

Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia. More about this fee.

Cash advance fee
2.0% or $2.50, whichever is higher (max. $150; an additional $2.50 charge applies if account has a positive balance after the transaction). These charges will appear on your statement directly below the relevant cash advance.
Missed payment charge $15 each statement cycle that the minimum monthly payment is not paid by the statement due date.

Follow these tips to minimise credit card fees and charges.

    

Things you should know

Credit criteria, fees and charges apply. Switches, upgrades or Westpac group staff are ineligible.

This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.

1 Additional cardholder: An additional credit card can be issued on the primary cardholder’s account to any nominated person 16 years or over. All transactions using the additional credit card will be the responsibility of the primary cardholder. All Altitude Points remain the benefit of the primary cardholder.

>>Altitude Platinum and Altitude Black Balance Transfer Promotion: This offer is available when you apply and are approved for a new Altitude Platinum or Altitude Black credit card between 19th October 2021 and 24th February 2022, and request at card application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. A balance transfer fee of 1% will apply to balance(s) transferred to a new Altitude Platinum or Altitude Black credit card. The balance transfer fee will be charged to the card account on the same day the balance(s) are debited to the account. The promotional rate will apply to balance(s) transferred (min $200 up to 80% of your approved available credit limit) for the promotional period. Activating your card triggers the processing of the balance transfer. The applicable variable cash advance rate will apply to any unpaid balance transfer amount remaining at the end of the promotional period unless the amount is paid off earlier. Westpac will not be responsible for any delays that may occur in processing payment to your other card account(s) and will not close the account(s). If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the 'Monthly Payment Balance' listed on your statement of account (not the full closing balance) by the relevant payment due date.

^Bonus Altitude Points Promotion Altitude Black: To qualify for the bonus point promotion you must apply and be approved for a new Altitude Black card with Altitude Rewards between 19th October 2021 and 24th February 2022, and spend $6,000 or more on eligible purchases within 120 days of card approval in one or more transactions. Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account. The bonus Altitude points will be added to your account within 12 weeks once you’ve met the eligible spend criteria. Existing Westpac customers who currently hold an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months, are not eligible for this offer.

*Reduced First year Annual Card Fee for Altitude Platinum: The discounted first year annual card fee of $49 is available when you apply and are approved for a new Altitude Platinum card between 19th October 2021 and 24th February 2022. After the first year, the $150 annual card fee applies and will be debited to your card account on the 12-month anniversary of the first transaction on your account and annually thereafter. A $50 annual rewards fee still applies for Altitude Velocity and Altitude Qantas if you choose these programs.

##Reduced First year Annual Card Fee for Altitude Rewards Black: The discounted first year annual card fee of $99 is available when you apply and are approved for a new Altitude Rewards Black credit card between 19th October 2021 and 24th February 2022. After the first year, the $250 annual card fee will be debited to your account annually on the 12-month anniversary of the first transaction on your card account.

**Existing Customers Only - Reduced First year Annual Card Fee for Altitude Rewards Black: The discounted first year annual card fee of $49 is available for existing Westpac customers when you apply and are approved for a new Altitude Rewards Black credit card between 19th October 2021 and 24th February 2022. After the first year, the $250 annual card fee will be debited to your account annually on the 12-month anniversary of the first transaction on your card account.

>Altitude Rewards Platinum Bonus Points Promotion: To qualify for the bonus points you must apply and be approved for a new Altitude Rewards Platinum card between 19th October 2021 and 24th February 2022 and spend the minimum amount of $3,000 on eligible purchases on an Altitude Rewards Platinum card within 90 days from card approval in one or more transactions. Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account. The bonus Altitude Points will be added to your points balance within 12 weeks once you meet the eligible spend criteria. Existing Westpac customers who currently hold an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months, are not eligible for this offer. 

†Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account.

<< Accelerated Earn - Flights: Earn 6 points per dollar on the first $10,000 spent on flights per calendar month, then 1.25 points per $1 spent thereafter on the Altitude Black Mastercard. Or earn 3 points per dollar on the first $10,000 on flights per calendar month, then 1 point per $1 spent thereafter on the Altitude Platinum Mastercard. Points earn applies to flights purchased in Australia directly with the above listed participating airlines using your Altitude Black Mastercard or Altitude Platinum Mastercard. Excludes flights not purchased directly with the participating airlines for example flights purchased through a travel agent, online aggregators or other airlines such as a code-share etc. Excludes Altitude Qantas, Altitude Velocity and Visa Altitude cards. Participating airlines are subject to change.

>>> First-Year Annual Card Fee Waiver - Existing customers only: is available when you apply and are approved for a new Altitude Platinum credit card between 19th October 2021 and 24th February 2022. After the first year, the $150 annual card fee will be debited to your account annually on the 12-month anniversary of the first transaction on your card account. A $50 annual rewards fee still applies for Altitude Velocity and Altitude Qantas if you choose these programs.

<<< Accelerated Earn - Shop, Stream, Ride and Stay: Applies only to domestic spend made in Australian dollars or any other currency (and converted to Australian dollars) using your card or card account with a Merchant who is located in Australia. Excludes Westpac Altitude Qantas.

5. Converting Altitude Points: You can redeem the points earned on your Altitude Black Altitude Rewards credit card for cash back or gift cards via the Altitude Rewards website. The estimated cashback and gift card value in above examples are based on current redemption rates as at 19th October 2021 and is subject to change without notification. All redemption of Altitude Rewards points are subject to availability and the Altitude Terms and Conditions (PDF 86KB).

6. Rewards Points: The earning and redemption of Altitude Points, Velocity Points and Qantas Points are subject to the Altitude Terms and Conditions. Purchases that are not eligible to earn Rewards Points are set out in the Altitude Terms and Conditions. You do not receive points if you have not paid the Minimum Payment Due in full and on time and in other circumstances. Qantas and Velocity Points earned during a statement cycle are added to your respective Points balance on a monthly basis.

Concierge Services for Altitude Black. Concierge services are provided by a third party supplier. For further details including terms and conditions visit westpac.tenconcierge.com

Altitude Rewards: You must be a member of the relevant frequent flyer program to redeem Altitude Points for frequent flyer points. The Altitude Terms and Conditions and the terms and conditions of the relevant frequent flyer program apply. A joining fee may apply. Availability of Reward flights may be limited.

2. Interest free period is available on purchases when you pay the Closing Balance (or the Monthly Payment Balance with a balance transfer) in full by the payment due date.

3. Complimentary lounge passes disclaimers:
Priority Pass Membership: Available to Westpac Altitude Black primary cardholders earning Altitude Points through the Altitude Rewards program. Requires enrolment through  prioritypass.com/westpacblack. The Primary Cardholder receives two complimentary visits in any 12-month period, one of which may be used by an accompanying guest. Subsequent visits in the 12-month period incur an additional cost, currently US$32 per person, per visit, which will be automatically charged to the primary cardholder's Altitude Black card. A Foreign Transaction Fee will apply to the conversion amount. Unused visits expire and cannot be carried forward to any subsequent year. Visit the Contact Us page on  www.prioritypass.com for enquiries about the Priority Pass program. Subject to the  Priority Pass Conditions Of Use.

4. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible persons to claim under it as third party beneficiaries. Access to the benefit of cover under the Credit Card Complimentary Insurance is provided to eligible Westpac cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). If an eligible persons wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, limits and exclusions contained in the Complimentary Insurance Policy Information booklet (PDF 304KB) which may be amended from time to time. This insurance is underwritten by Allianz. Westpac does not guarantee this insurance. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it.

Westpac is the credit provider and credit licensee under National Consumer Credit Laws.

Registered to BPAY Pty Ltd ABN 69 079 137 518

Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.