Altitude Rewards Credit Cards

Westpac Credit Cards Key Facts Sheet

Credit Card Terms and Conditions (PDF 264KB)

Altitude Terms and Conditions (PDF 117KB)

Westpac Credit Cards Complimentary Insurance Policy (PDF 898KB)

ID checklist to become a customer (PDF 657KB)

Credit criteria, fees and charges apply. Credit Card Product 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This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.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.

>Altitude Rewards Platinum Bonus Points Promotion: Offer commenced 27th August 2025. To be eligible for bonus Altitude Reward Points, you must apply and be approved for a new Altitude Rewards Platinum card before the offer is withdrawn. You will receive an initial 75,000 bonus points if you spend $3k or more on eligible purchases within 90 days of card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria. You will receive an additional 25,000 bonus points if you keep your account open for more than 12 months and continue to use the card. These additional points will be credited to your points balance within 12 weeks, after the first eligible purchase is made in the second year of your card account being active. If you do not meet the minimum spend criteria within 90 days of card approval, you forfeit the initial 75,000 bonus points only. However, you are still eligible for the additional 25,000 bonus points in the second year if you continue to use your card. 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 24 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. Credit Card Product Switches, upgrades or Westpac group staff are ineligible for this offer. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

^Bonus Altitude Points Promotion Altitude Black: Offer commenced 27th November 2025. To be eligible for bonus Altitude Reward Points, you must apply and be approved for a new Altitude Black Rewards credit card before the offer is withdrawn. You will receive an initial 100,000 bonus points if you spend $12k or more on eligible purchases within 12 months from card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria. You'll receive an additional 100,000 bonus points in the second year if you spend a minimum of $12k on eligible purchases within the subsequent year. These additional points will be credited to your points balance within 12 weeks of meeting the spend criteria. If you do not meet the minimum spend in the first year, you forfeit the bonus points for the first year only, however you are still eligible for bonus points in the subsequent year if you meet the minimum spend in the subsequent year during the promotional period. 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 24 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. Credit Card Product Switches, upgrades or Westpac group staff are ineligible for this offer. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

>>Reduced First year Card Fee for Altitude Rewards Platinum: Offer commenced 27th August 2025. The discounted first year Card Fee of $99 is available when you apply and are approved for a new Altitude Rewards Platinum card before the offer is withdrawn. After the first year, the Card Fee reverts to $175 thereafter, and will be debited to your card account on the 12-month anniversary of the Card Fee date and annually thereafter. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

>>>Existing customers only - Reduced First year Card Fee for Altitude Rewards Platinum: Offer commenced 27th August 2025. The discounted first year Card Fee of $49 is available when you apply and are approved for a new Altitude Rewards Platinum credit card before the offer is withdrawn. After the first year, the Card Fee reverts to $175 thereafter, and will be debited to your account annually on the 12-month anniversary of the Card Fee date and annually thereafter. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

^##Reduced First year Card Fee for Altitude Rewards Black: Offer commenced 27th November 2025. The discounted first year Card Fee of $200 is available when you apply and are approved for a new Altitude Rewards Black credit card before the offer is withdrawn. After the first year, the Card Fee reverts to $295 thereafter, and will be debited to your account annually on the 12-month anniversary of the Card Fee date. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

^**Existing Customers Only - Reduced First year Card Fee for Altitude Rewards Black: Offer commenced 27th November 2025. The discounted first year Card Fee of $99 is available for existing Westpac customers when you apply and are approved for a new Altitude Rewards Black credit card before the offer is withdrawn. After the first year, the Card Fee reverts to $295 thereafter, and will be debited to your account annually on the 12-month anniversary of the Card Fee date. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

†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.
Rewards Points: The earning and redemption of Altitude Points, Velocity Points and Qantas Points are subject to the  Altitude Terms and Conditions (PDF 117KB) (PDF 117KB). Purchases that are not eligible to earn Rewards Points are set out in the  Altitude Terms and Conditions (PDF 117KB) (PDF 117KB). You do not receive points if you have not paid the Minimum Payment Due in full and on time and in other circumstances. Points earnt for  PartPay (PDF 96KB) (PDF 96KB) Purchases are based on the full value of the purchase, and not on each instalment amount. 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 transfer partner program to redeem Altitude Points for that partner's rewards or frequent flyer points. The Altitude Terms and Conditions and the terms and conditions of the relevant transfer partner programs apply. A joining fee may apply.  For more information on the Altitude Rewards program, visit altituderewards.com.au. 

2. Interest free period is available when you pay the Closing Balance (or the Monthly Payment Balance if you have a Balance Transfer, a SmartPlan or a PartPay Card) in full by the payment due date.

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 898KB) 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.

Google Play is a trademark of Google LLC.

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

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