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.

Altitude Rewards credit cards are linked to Westpac’s Altitude Rewards loyalty program, allowing cardholder to earn points on their eligible spending. Points can be exchanged for merchandise, entertainment, gift cards, travel, and frequent flyer points with five airlines. Alternatively, Altitude cardholders can choose to earn Qantas points, best exchanged for flights and upgrades with Qantas and its airline partners, although the usual merchandise, gift card and travel options are also available.

Types of Altitude credit card

There are three levels of card: Altitude, Altitude Platinum and Altitude Black. The Westpac Altitude Black Credit Card has the highest annual fee, the highest points earning rate and the most extensive complimentary benefits.

Switch between Altitude Rewards points and Qantas Frequent Flyer points

All three card levels offer the option of earning either Qantas Frequent Flyer points or Westpac Altitude Rewards points, with the added bonus that cardholders can change their minds, as regularly as they wish, about which kind of points they would like to earn. The only caveats are that it may take a few days to process each change request, and points must remain in the program in which they were earned. That is, points cannot be transferred from Qantas Frequent Flyer to Altitude, and vice versa.

Complimentary QFF membership

If you opt to earn Qantas points and are not already a Qantas Frequent Flyer member, Westpac will pay your joining fee.

Bonus points

Westpac regularly offers first-purchase bonus points to new cardholders, in return for reaching a specified spending target within a limited time. E.g. 60,000 Qantas or Altitude points in return for spending $3,000 in the first 90 days after card account approval.

Points caps

The Westpac Altitude Credit Card and Westpac Altitude Platinum Credit Card both currently have a monthly points cap (e.g. 7,500 Altitude points or 3,750 Qantas points) beyond which no further points can be earned until the beginning of the next statement cycle. The Westpac Altitude Black Credit Card currently has no points cap.

No Altitude points expiry – almost

Altitude points do not expire as long as your card account is current, so you can take your time accumulating enough points for a significant redemption, such as a long-haul flight. However, if you cancel your card account, you have 90 days in which to use the points before they expire.

Qantas points will not expire provided you either use or earn Qantas points at least once in each 18-month period.

Some spending doesn’t earn points

Although most of your everyday spending (groceries, petrol, department store purchases, technology, utility bills, travel, &c) will earn points, be aware that some spending types don’t qualify for points earning. These include payments to the ATO and other government bodies, BPAY payments, cash advances, card account fees and interest charges.

Also note that if you fail to make at least the minimum payment on your card account for two consecutive months, your account is considered to be in arrears and you will not earn points until you bring your account back into order.

Complimentary benefits

Your Altitude credit card will come with complimentary benefits which may include travel insurance, rental vehicle insurance excess waiver, shopper’s insurance (purchase protection, extended warranty, price protection), airport lounge passes and a concierge service. The higher the card level, the more complimentary benefits you are likely to receive.

Supplementary cardholders earn points too

Supplementary cardholders also earn points on their spending, but all points they earn are credited to the points account of the primary cardholder.

Review the types of Altitude credit card listed on this page, and choose the one that’s right for your circumstances.

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Points earned
American Express Westpac Altitude Black Card Bundle (Altitude)
Apply by 02 apr 19
Earn up to 120,000 bonus Altitude Points when you apply for the two-card bundle issued by Westpac and Amex until 2nd April 2019. (Conditions Apply)
Earn up to 5 Altitude points per $1 spent on eligible overseas purchases. (Amex)
Westpac Mastercard issued and serviced by Westpac. AMEX Westpac Altitude Card issued & serviced by American Express.
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Altitude Rewards
Altitude Rewards
3 pts
per $1 spent
120,000
points
after spend criteria
Westpac Altitude Black Credit Card
Apply by 02 apr 19
42 reviews
80,000 bonus Qantas or Altitude points when you spend $3,000 on eligible purchases within 90 days of card approval. Exclusions apply. Qantas rewards fee applies.
2 complimentary passes per year to use at over 700 VIP Priority Pass airport lounges worldwide.
24/7 Altitude Black Card Priority Service line.
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Altitude RewardsQantas Frequent Flyer
Altitude Rewards or Qantas Frequent Flyer
0.75 pts
per $1 spent
80,000
points
after spend criteria
American Express Westpac Altitude Platinum Card Bundle (Altitude)
Apply by 02 apr 19
Earn up to 75,000 bonus Altitude points when you apply for the two-card bundle issued by Westpac and Amex until 2nd April 2018. (Conditions Apply)
Earn up to 3 Altitude points per $1 spent on eligible overseas purchases. (Amex)
Westpac Visa issued and serviced by Westpac. AMEX Westpac Altitude Card issued & serviced by American Express.
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Altitude Rewards
Altitude Rewards
2 pts
per $1 spent
75,000
points
after spend criteria
Westpac Altitude Platinum Credit Card
Apply by 02 apr 19
33 reviews
60,000 bonus Qantas or Altitude points when you spend $3,000 on eligible purchases within 90 days of card approval.
No annual fee for the first year (saving $150). Exclusions apply. Qantas rewards fee applies.
Earn 0.5 pts per $1 spent on the Visa card (Altitude Qantas).
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Altitude RewardsQantas Frequent Flyer
Altitude Rewards or Qantas Frequent Flyer
0.5 pts
per $1 spent capped
60,000
points
after spend criteria

Q&A's about Altitude Rewards Credit Cards from customers

Q: 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.

Q: 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.

Q: 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.

Q: 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).

Q: 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.

Q: 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.

Q: 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.

Q: 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.

Q: 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.
Q: 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
Q: 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.

Q: 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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