Altitude Rewards Credit Cards | Review, Compare & Apply

Altitude Rewards Credit Cards

Compare credit cards linked to Westpac’s Altitude rewards program. Redeem points for consumer goods, cinema tickets, gift cards, flights & hotels.

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rewards program
earn rate
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Points earned
American Express Westpac Altitude Black Credit Card Bundle® (Altitude)
Apply by 31 mar 20
Earn up to 140,000 bonus Altitude Points when you apply for the two-card bundle issued by Westpac and Amex until 31 March 2020. (Conditions Apply)
Reduced Annual Fee of $349 p.a. in the first year.
Earn up to 5 Altitude points per $1 spent on eligible overseas purchases. (Amex)
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Altitude Rewards
Altitude Rewards
3 pts
per $1 spent
140,000
points
after spend criteria
Westpac Altitude Black Credit Card (Altitude)
Apply by 31 mar 20
39 reviews
Receive 100,000 Altitude bonus points (terms and conditions apply).
Earn up to 6 Altitude points per $1 spent (terms and conditions apply).
2 complimentary passes per year to use at over 700 VIP Priority Pass airport lounges worldwide.
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Altitude Rewards
Altitude Rewards
-
100,000
points
after spend criteria
Westpac Altitude Black Credit Card (Velocity)
Apply by 31 mar 20
Receive 80,000 bonus Velocity points (terms and conditions apply).
Get two (2) complimentary Economy X seat Upgrade vouchers each year (terms and conditions apply)
Enjoy two (2) Virgin Australia Lounge passes per anniversary year.
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Velocity Frequent Flyer
Velocity Frequent Flyer
0.75 pts
per $1 spent
80,000
points
after spend criteria
American Express Westpac Altitude Platinum Credit Card Bundle® (Altitude)
Apply by 31 mar 20
Earn up to 110,000 bonus Altitude Points when you apply for the two-card bundle issued by Westpac and Amex until 31 March 2020. (Conditions Apply)
Reduced Annual Fee of $150 p.a. in the first year.
Earn up to 3 Altitude points per $1 spent on eligible overseas purchases. (Amex)
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Altitude Rewards
Altitude Rewards
2 pts
per $1 spent
110,000
points
after spend criteria
Westpac Altitude Platinum Credit Card (Altitude)
Apply by 31 mar 20
30 reviews
Receive 80,000 Altitude bonus points when you spend $3,000 on eligible purchases within 90 days of card approval.
Choose to earn into two great rewards programs: Altitude Rewards or Altitude Qantas.
Earn up to 3 Altitude points per $1 spent (terms and conditions apply).
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Altitude Rewards
Altitude Rewards
1 pt
per $1 spent
80,000
points
after spend criteria
Westpac Altitude Platinum Credit Card (Qantas)
Apply by 31 mar 20
New! Now, you can choose to directly earn Qantas points with this Westpac card!
Receive 60,000 bonus Qantas points (terms and conditions apply).
Earn 0.5 Qantas points per $1 spent with this card.
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Qantas Frequent Flyer
Qantas Frequent Flyer
0.5 pts
per $1 spent
60,000
points
after spend criteria
Westpac Altitude Platinum Credit Card (Velocity)
Apply by 31 mar 20
New! Now, you can choose to directly earn Velocity points with this Westpac card!
Receive 60,000 bonus Velocity points (terms and conditions apply).
Earn 0.5 Velocity points per $1 spent.
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Velocity Frequent Flyer
Velocity Frequent Flyer
0.5 pts
per $1 spent
60,000
points
after spend criteria

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Q&As about Altitude Rewards Credit Cards from customers

Do all Westpac credit cards earn either Altitude Rewards points or Qantas Frequent Flyer points?

No. Only the Altitude-branded cards (with the word ‘Altitude’ in the card’s name) earn Altitude Rewards points or Qantas Frequent Flyer points. Cardholders can choose which kind of points they would like to earn.

How do I switch from Altitude Rewards points to Qantas Frequent Flyer points?

When you apply for your new card you will be asked to nominate whether you want to earn Altitude Rewards points or Qantas points, and this will also determine the flavour of the first-purchase points you receive if you meet the spending target within the specified time limit. But you can switch between the two programs as often as you like by contacting the Westpac card customer service centre using the telephone number supplied when you first receive your card.

What are first-purchase bonus points?

From time to time Westpac will offer bonus points to new cardholders on some Altitude cards. In order to qualify for the points, cardholders will usually be required to spend a set amount within a specified period. E.g. 80,000 Qantas or Altitude points in return for spending $5,000 in the first 90 days after card account approval.

Is there any limit to the number of points I can earn?

Yes. There are monthly points caps currently in place on both the Westpac Altitude Credit Card and the Westpac Altitude Platinum Credit Card. Once the points limit (e.g. 7,500 Altitude points or 3,750 Qantas points) is reached in any statement cycle, no more points can be earned until the start of the next statement cycle. If you find the points cap limits your earning, consider upgrading to the Westpac Altitude Black Credit Card, which has no points cap (although the annual fee is significantly higher).

Does all Altitude card spending earn points?

Almost. You will certainly earn points on all your everyday spending at supermarkets, departments stores and petrol stations, and if you pay utility bills directly with your card (i.e. not by a BPAY transaction funded by the card). All standard purchases, including travel, entertainment and dining, qualify for points. But you won’t earn points on payments to the ATO and other government bodies, BPAY payments, cash advances, card account fees and interest charges.

Do supplementary cardholders earn points?

Yes. All eligible purchases made using a supplementary card will earn points. However, the points are credited to the points account of the primary cardholder, who is the only person allowed to operate the account, choose redemptions or make points transfers.

Do Altitude points expire?

Your Altitude points will not expire as long as your card account is current. But if your card account is closed or cancelled, any points earned will expire within 90 days and will therefore need to be spent quickly.

Do Qantas points expire?

Qantas points don’t expire as long as you keep your Qantas points account active. If there is no activity – either earning or using points – in your QFF account for 18 months, all your points will expire.

What can Altitude Rewards points be exchanged for?

The following redemption types are available:

  • Select merchandise from an online rewards catalogue. E.g. homewares, technology, fashion, toys, sporting goods, magazine subscriptions.
  • Choose gift cards to spend at major national retailers.
  • Swap points for movie tickets.
  • Exchange Altitude Rewards points for frequent flyer points or miles with Virgin Australia, Singapore Airlines, Air New Zealand, Cathay Pacific or Malaysian Airlines.
  • Book travel: flights, hotels, car hire and activities.
  • Get a cashback to your card account.
  • Obtain a rebate on the purchase price of a new Holden.
  • Top up your BT Financial Group superannuation account.
  • Make a donation to charity.

What can Qantas points be exchanged for?

The following redemption types are available:

  • Award flights and seat upgrades with Qantas and its airline partners
  • Merchandise from an online catalogue, including electronics, travel, homewares, sporting goods, fashion, toys, food and wine
  • Retail, entertainment and leisure gift cards and vouchers
  • Charity donations

What if I don’t have enough points for my chosen redemption?

Most redemptions have a Points + Pay option, allowing you to pay the balance in cash if you don’t have enough points.

What other benefits are available with Altitude Rewards credit cards?

You can expect a range of complimentary benefits to come with your card. Unsurprisingly, the higher the annual fee, the more items you are likely to receive from the following list of benefits:

  • Overseas travel insurance
  • Domestic travel insurance
  • Worldwide rental vehicle insurance excess waiver
  • Purchase protection insurance
  • Extended warranty cover
  • Price guarantee program
  • Airport lounge passes
  • Concierge service

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