Skip to main content Skip to main navigation
Skip to accessibility page Skip to search input

How to get the most of your rewards card

Rewards cards often come with a range of attractive benefits and bonuses. Knowing what they are can help you use them to your advantage at home and away. Here are 3 tips to help you do just that.


1. Choose a card that suits your lifestyle

Rather than changing the way you spend your money to make the most of your rewards card, you might want to choose a card that complements your lifestyle so you earn points just by doing what you normally do. Similarly, you probably want to be able to redeem your points for the types of rewards you’ll use.


If you're looking for a tailored rewards program, Westpac Altitude rewards credit cards help you earn and spend points your way. Our rewards cards lets you choose between the Altitude Qantas Rewards Program (which is good for Qantas Frequent Flyers) and the Altitude Rewards Program (which lets you redeem rewards for flights with other airlines, as well as shopping, travel and lifestyle products).

2. Make the most of your earn rate

Different types of cards earn different amounts of points per dollar, so make sure you choose a card with an earn rate that suits you. Once you have the card, think about how you can use it as part of your everyday spend to earn more points. You might consider running eligible transactions such as groceries, petrol or even coffee through your card – every little bit helps.


Remember, you won’t need to pay any interest charges if you pay off the entire balance on your statement each month.

3. Take advantage of all the extras

Being familiar with all your card’s built-in benefits can help you make the most of them whenever possible. For instance, complimentary travel insurance can save you buying insurance for your next trip. Similarly, purchase security insurance (available on Westpac Altitude Black and Platinum cards) can mean you’re already covered if something happens to items bought with your card. While you’re at it, why not check out whether you’re entitled to perks such as room upgrades, rental car discounts and what your concierge service can help you with?


Related articles

Things you should know

Consumer Credit Cards - Conditions of Use (PDF 258KB)

Altitude Rewards Terms and Conditions (PDF 124KB)

Westpac Credit Cards Complimentary Insurance Policy (PDF 312KB)

Westpac Rewards Credit Cards Concierge Service Terms and Conditions (PDF 917KB)

Credit criteria, fees and charges apply.

Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.
This information does not take into account your financial needs, individual circumstances or objectives. Read the terms and conditions before making a decision and consider whether the product is appropriate for you.

Rewards points: Depending on your choice of rewards program, you can earn Altitude Points or Qantas Points on your eligible purchases. The earning and redemption of Altitude Points and Qantas Points is subject to the Altitude Rewards and Altitude Qantas Terms and Conditions. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances. You do not earn Altitude Points or Qantas Points on payments to the Australian Taxation Office. A points cap per statement cycle applies to the Altitude and Altitude Platinum Cards. For details, see the Rewards tab on the Altitude or Altitude Platinum product page.

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.

Complimentary insurance covers: Under a binder from the underwriter Allianz Australia Insurance Limited (ABN 15 000 122 850, AFSL 234708), AWP Australia Pty Ltd (ABN 52 097 227 177, AFSL 245631, of 74 High Street, Toowong, QLD 4066, trading as Allianz Global Assistance) has issued an insurance group policy to Westpac Banking Corporation (ABN 33 007 457 141 AFSL, Australian credit licence 233714 [Westpac]) of 275 Kent Street, Sydney, NSW 2000 that allows eligible Westpac account holders and cardholders to claim under it as third party beneficiaries. The terms, conditions, limits and exclusions of the group policy are set out in the Westpac Credit Cards Complimentary Insurance Policy which may be amended from time to time. Westpac does not guarantee the insurance. You can get a copy of the policy booklet by downloading the Westpac Credit Cards Complimentary Insurance Policy.

Concierge: Concierge Services are subject to the Westpac Rewards Credit Cards Concierge Service Terms and Conditions available at