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Your choice of Altitude Rewards Points or Qantas Points.

Please note: All Westpac-issued American Express Cards will close in April 2018.

Westpac Altitude Visa rewards card


Westpac Altitude American Express rewards card


Great rewards for a life of style.

Special offer
  • Get up to $20 off every 3rd Uber ride on your new Altitude credit card (up to a maximum of $250 in free rides).

Choose between two great rewards programs:

  • Altitude Rewards - Earn Altitude Points on eligible purchases you can redeem for a wide range of merchandise and frequent flyer points with a range of airlines
  • Altitude Qantas - Earn Qantas Points on eligible purchases you can redeem for Reward Flights with Qantas, as well as merchandise and gift cards from the online Qantas Store

From 4 April 2018, there will be important changes to the Altitude cards. To see the changes, click here.

Rewards If you choose Altitude Rewards If you choose Altitude Qantas
Points earned on eligible purchases - American Express Card $1 = 2 Altitude Points $1 = 1 Qantas Point
Points earned on eligible purchases - Visa Card $1 = 1 Altitude Point $1 = 0.5 Qantas Points
Points cap - for each statement cycle using your cards

5,000 (bonus points don't count towards the cap)

2,500 (bonus points don't count towards the cap)

Earning Bonus points  
  • Earn 1 bonus Qantas Point for every $1 you spend on selected Qantas products and services
  • Earn Qantas Points twice with Qantas Frequent Flyer Program partners. Earn Points once on your Altitude cards and again with the partner by presenting your Qantas Frequent Flyer membership card.
Redeeming your points

Redeem your Altitude Points for:

  • Gift vouchers
  • Homewares
  • Technology
  • Holidays
  • Frequent Flyer Points from 5 different programs:
    • Virgin Australia - Velocity
    • Singapore Airlines - KrisFlyer
    • Malaysia Airlines - Enrich
    • Air New Zealand - Airpoints
    • Cathay Pacific - AsiaMiles.

Redeem your Qantas Points for:

  • Reward flights with Qantas and over 30 partner airlines and affiliates
  • A Flight Upgrade Reward on eligible Qantas domestic and international flights
  • A range of merchandise and gift cards from the online Qantas Store
  • Flexibility to book your next Reward flight using Points Plus Pay.

Earn points faster

Add an additional cardholder at no extra cost allowing you to earn points faster.

More reasons to choose a Westpac credit card

When you combine your Westpac rewards credit card with our online banking experience you can:

  • Help pay down your credit card balance with SmartPlan
  • See your rewards points and card balance at a glance with Quick Balance
  • Login quickly and securely using fingerprint login
  • Leave your card at home and tap and pay with a Mobile Wallet
  • Make automatic credit card repayments easy, with Card Autopay
  • Take the hassle out of cancelling a card you later find, by placing a temporary lock on it in seconds


From 4 April 2018, there will be important changes to the Altitude cards. To see the changes, click here.

(these may change)
Annual card fee $100
Foreign transaction fee A Foreign Transaction Fee is payable as a percentage of the Australian dollar value of any Foreign Transaction. The percentage will vary depending on the applicable credit card scheme:
  1. Transactions in foreign currency
    • Visa: 3.0%
    • American Express®: 3.5%
  2. Transactions in Australian dollars and the merchant or financial institution accepting the card is located overseas:
    • Visa: 3.0%
    • American Express®: 0%
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 advances/withdrawals fee

An administrative charge of 2% of the value of the transaction will apply to each cash advance made on your card account, where your account has a negative (debit) balance after the transaction has been posted to it. A minimum charge of $2.50 and a maximum charge of $150 will apply in these circumstances.

Where your account has a positive (credit) balance after the transaction has been posted to it, a charge of $2.50 will apply to the transaction.

These charges will appear on your credit card statement directly below the relevant cash advance.

Missed payment charge A charge of $15 may be payable each statement cycle that the whole of the minimum monthly payment is not paid by the statement due date. If charged, the Missed Payment Charge will be debited to your account.
Over-limit fee If your card account was opened before 4 June 2012, a fee of $15 may be debited from your credit card account every time you exceed your credit limit during a statement cycle. It is debited from your account in that statement cycle, on or after the day(s) your credit limit is exceeded. This fee may also be charged whenever your account is over limit at the commencement of a statement cycle.
Duplicate statement fee $7.50 may be debited from your credit card account if you, or an additional cardholder, orders a copy of a statement that has already been issued for your account. This fee is debited from your account on or after the day you order the duplicate statement.
Non-Westpac Group ATM fee Although not a Westpac fee, using your card in a non-Westpac Group ATM may result in a charge to you. Avoid this fee by using one of Westpac’s extensive network of 2,900 ATMS across Australia (including any St.George, BankSA and Bank of Melbourne ATMs). Find a Westpac Group ATM.
Credit card surcharge In some instances, businesses may administer a ‘surcharge’ for credit card payments. Usually, these are a percentage fee of your purchase amount. Ask the merchant if a surcharge applies and how much it is before paying if you’re unsure.

Follow these tips to minimise credit card fees and charges.

Transaction Interest rates
Purchases 20.24% p.a. (variable)
Cash advances 20.74% p.a. (variable)

Additional cardholder

  • Add one additional cardholder (16 years or older) at no extra cost
  • The account holder (primary cardholder) is liable for all transactions on these cards and their own cards
  • Purchases made by an additional cardholder earn rewards points for the account holder only.

Important numbers

Minimum card limit: $500

Recommended income to apply: $30,000

Earning points

The details on how and when you earn Altitude and Qantas Points are in the Altitude Terms and Conditions (PDF 213KB).

Things you should know

Credit criteria, fees and charges apply. Offers are not available in conjunction with any special offers that are not listed on Switches, upgrades or customers accessing employee benefits are ineligible. Offer may be withdrawn or extended at any time.

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

Rewards Points: The earning and redemption of Altitude Points and Qantas Points is subject to the Altitude Terms and Conditions. For each statement cycle a points cap of 5,000 Altitude Points or 2,500 Qantas Points applies when using either or both Altitude cards. Purchases that are not eligible to earn Rewards Points are set out in the Altitude Terms and Conditions. For example: payments to the Australian Taxation Office, cash advances and BPAY payments do not earn Reward Points. Bonus points do not count towards the points cap. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances.

Altitude Rewards: You must be a member of the relevant frequent flyer program to redeem Altitude Points for frequent flyer points. The Altitude Rewards 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. For more information on the Altitude Rewards program, visit

Altitude Qantas: In order to earn and redeem points, you must be a member of the Qantas Frequent Flyer program.

Qantas Store Products are for delivery in Australia and New Zealand only (and different products are available in each delivery location). Redemption of points through the online store is subject to terms and conditions (including store terms of use and voucher terms and conditions). See for details.

Qantas & Partner Classic Reward Seats are subject to capacity controls and availability is limited. The number of seats available depends on the flight, date, season and destination. Some flights may not have any Classic Reward seats available. For Classic Reward flights, taxes, fees and carrier charges are payable in addition to the points required, are subject to change and are quoted at the time of booking. Reward flights must be booked at least 24 hours before scheduled departure (and other advance booking requirements may apply).

Flight Upgrades are subject to capacity controls and availability is limited. Flight upgrades are not available on Classic Rewards or on international airfares booked in E, N, O, P, Q, and X class (which includes some Any Seat Rewards and some Red e-Deals). You must have an eligible paid and confirmed ticket on a Qantas operated service (with a QF flight number on your ticket).

Qantas & Jetstar Any Seat Rewards are available on any flight with a QF or JQ flight number. The points required will be quoted when booked. There is no fixed relationship between the cash price charges by the applicable airline for a seat and the points required to redeem an Any Seat Reward through Qantas Frequent Flyer. Special promotional fares may not apply. Reward flights must be booked at least 24 hours before scheduled departure (and other advanced booking requirements may apply). For more information see The Jetstar Any Seat Rewards booking service is operated by Carlson Marketing Group (Aust) Pty Ltd trading as Carlson Leisure Travel Service Licence No. 2TA 5778, IATA 02-3-59523.

For more information on the Qantas Frequent Flyer program, visit

Uber promotion: To be eligible for this offer, customers must apply for a new Westpac Altitude credit card between 27th October 2017 and 31st January 2018, and register their Westpac Altitude credit card as their payment option on their Uber account. Westpac will cover up to $20 for every 3rd  Uber ride paid for using the new Westpac Altitude credit card until 31st August 2018 ("Offer Period"). Discounted rides must be used before 31st August 2018 (one use per ride). This promotion is not available to existing Westpac Altitude credit card holders. Rides cannot be saved. A maximum of $250 in free rides per customer applies during the Offer Period. The offer is valid for Uber rides in Australia only. Only rides paid for using your Personal profile are eligible. The offer excludes Business and Family profiles, uberTAXI rides and rides using the split fare option. You will be notified in the Uber app when the promotion has been activated on your Uber account. If the ride cost exceeds $20, the remaining balance will be charged to your Westpac card. The promotion will end at the end of the Offer Period or when the maximum of $250 in discounted rides has been taken by the eligible customer. This offer includes Uber accounts that are linked to a Westpac Altitude credit card with a joint account. Valid in Australia only. Eligible rides are rides paid for using Personal profile only. Excludes Business & Family profiles, uberTAXI rides and rides using split fare option.) Terms and conditions apply.

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

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American Express® is a registered trademark of American Express. The Westpac American Express Card is issued by Westpac Banking Corporation pursuant to a license from American Express.