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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.

 

Become a Pointillionaire

To celebrate 20 years of Altitude Rewards, we’re giving Altitude Rewards cardholders a chance to win 2 Million Altitude Rewards Points#.

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 and Asia Miles.

110,000 bonus Altitude Rewards Points

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

110,000 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 card fee of $49 ($150 thereafter)*. Already with Westpac? Sign in and apply and we’ll waive your first year 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: 19.99% 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

Follow this section to improve the likelihood your application is approved. 


Frequently asked questions
 

There are a few things you can do to better manage your credit card balance and enjoy the rewards and benefits offered by this card.

For example, say you apply for the card and are approved with a credit limit of $10,000 and a balance transfer of $6,000. You have $4,000 remaining to spend on everyday purchases and you spend $1,500 on average each month. 

  1. To pay no interest on your balance transfer you need to pay it off before the promotional period ends. For example, say you decide to pay your $6,000 balance off in equal monthly instalments over 24 months. This means you’d pay $250 each month over the 24-month promotional period>>
  2. Get interest-free days on your purchases with a balance transfer when you pay off your new purchases plus any fees in full each month (called the ‘Monthly Payment Balance’ on your statement). For example, you spend $1,500 each month. You’ll need to pay the $1,500 in full plus any fees or interest incurred, by the due date to get up to 45 days interest free. 
  3. Earn Altitude Points on your everyday purchases. You can also earn 110,000 bonus Altitude Points if you spend at least $3,000 within the first 90 days. Based on our example where you spend $1,500 a month, that would take around 2 months>.  
  4. Putting everything together. So to pay your balance transfer down, earn Altitude Points and enjoy interest-free days on purchases, you should make a card repayment of $1,750 ($250 of your monthly balance transfer instalment plus $1,500 of your new purchases plus any fees) by the due date shown on your statement each month.

   

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.

Become a Pointillionaire

To celebrate 20 years of Altitude Rewards, we’re giving Altitude Rewards cardholders a chance to win 2 Million Altitude Rewards Points#.

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 and Asia Miles.

140,000 bonus Altitude Points

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

140,000 bonus Altitude Points with $6k+ spend on eligible purchases within 120 days of card approval^.

You can redeem 140,000 Altitude Points for $590 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 card fee of $99 ($250 thereafter)##. Already with Westpac? Sign in to apply for a $49 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: 19.99% 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

Follow this section to improve the likelihood your application is approved. 


Frequently asked questions
 

Priority Pass Lounge 

If you choose Altitude Rewards you can register your Altitude Black Mastercard to receive 2 complimentary lounge visits per year to use at more than 1000 VIP airport lounges worldwide.

Register your card at prioritypass.com/westpacblack

Qantas Club Complimentary Invitations

If you choose Altitude Qantas, you are eligible for 2 Complimentary Invitations per year after you spend on eligible selected Qantas products and services each year using your Altitude Black Mastercard. You must first register and opt in to take advantage of this feature.

Register and opt in 

    

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 1st July 2022 and 31st December 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 1st July 2022 and 31st December 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 Card Fee for Altitude Platinum: The discounted first year card fee of $49 is available when you apply and are approved for a new Altitude Platinum card between 1st July 2022 and 31st December 2022. After the first year, the $150 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 Card Fee for Altitude Rewards Black: The discounted first year card fee of $99 is available when you apply and are approved for a new Altitude Rewards Black credit card between 1st July 2022 and 31st December 2022. After the first year, the $250 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 Card Fee for Altitude Rewards Black: The discounted first year 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 1st July 2022 and 31st December 2022. After the first year, the $250 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 1st July 2022 and 31st December 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.

>>> Existing customers only - Altitude Platinum First Year Card Fee Waiver: is available for existing Westpac customers when you apply and are approved for a new Altitude Platinum credit card between 1st July 2022 and 31st December 2022. After the first year, the $150 card fee will be debited to your account annually on the 12-month anniversary of the first transaction on your card account. A $50 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 7th March 2022 and is subject to change without notification. All redemption of Altitude Rewards points are subject to availability and the Altitude Terms and Conditions (PDF 98KB).

6. Rewards Points: The earning and redemption of Altitude Points, Velocity Points and Qantas Points are subject to the Altitude Terms and Conditions (PDF 98KB). Purchases that are not eligible to earn Rewards Points are set out in the Altitude Terms and Conditions (PDF 98KB). 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.

For Altitude Qantas Platinum cards, earn 0.5 Qantas Points per $1 up to a maximum of $100,000 spent on eligible purchases annually. For Altitude Qantas Black cards, earn 0.75 Qantas Points per $1 up to a maximum of $250,000 spent on eligible purchases annually. This annual limit resets in January each year, based on your statement date. Bonus Points earned are not part of your annual cap.

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 395KB) 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.

# 20th Anniversary 2 Million Points Competition: Promotion opens 12.01am AEST on 1.8.22 and closes 11.59pm AEDT on 31.12.22.  Entry is open to all Australian residents aged 18 years or over who are entered in the Westpac Altitude Rewards Programme. Entry to the Promotion is automatic. During the Promotion Period, an entrant must redeem their Altitude Points for Eligible Altitude Rewards Points Redemptions via the Westpac Altitude Rewards website in Westpac Online Banking, the Westpac App or via the Westpac Altitude Rewards Call Centre by calling 1300 887 820, the “Entry” in order to be considered an “Eligible Entrant”.  ‘Eligible Altitude Rewards Points Redemptions’ include merchandise items, gift cards, financial services, donations, Pay with Points, cashback, and Frequent Flyer, and Altitude Travel bookings.  Each redemption will gain one Entry into this Promotion.  Multiple Entries are permitted.  An entrant whose Altitude Credit Card is 2 months in arrears at the time of the draw (i.e., the minimum monthly payment has not been paid by the statement due date) is not an Eligible Entrant.  The Prize consists of 2 Million Altitude Reward Points, which can be redeemed for an estimated value of $8,000. Prize draw will take place 12noon AEDT on 18.1.23. Winner will be notified by phone by 25.1.23 and their name published on the Altitude Rewards website by 17.2.23. Please see full terms and conditions. Promoter is Westpac Banking Corporation ABN 33 007 457 141. Authorised under trade promotion permit: ACT Permit No. TP22/ 01317.  SA Permit No. T22/ 1045

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

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