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.
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
On Uber, Uber Eats, Spotify Premium, Airbnb and on Overseas Spend (including overseas purchases made from Australia)
Get up to 120,000 bonus Altitude Rewards Points > — 90,000 Rewards Points in year 1 if you spend $3k+ on eligible purchases † within 90 days of new card approval and an extra 30,000 points after your first eligible purchase in year 2.
Plus, a reduced first year card fee of $49 ≈ (reverts to $175 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.
Variable purchase rate: 20.99% p.a. Variable cash advance rate: 21.99% p.a.
Interest free days on purchases: Up to 45 days 2 Minimum credit limit: $6,000 Minimum income required: $30,000
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).
There's no cost for a card for an additional cardholder aged 16 or older, and you'll earn points even faster
| Annual card fee | $175 |
| Annual Rewards Program fee | Altitude Rewards: $0 |
| Foreign transaction fee | 3% |
Payable as a percentage of the Australian dollar value of any foreign transaction.
Applies for transactions in a foreign currency, or in Australian dollars but processed by an overseas merchant or financial institution.
You’ll be assessed on your ability to repay the money you borrow. Three things you can do to help:
- other credit cards or loans (including lenders such as afterpay and zip pay)
- rent as well as utilities such as your phone, internet and electricity.
2. Check the details on your credit report are correct before applying. Head to CreditSmart.org.au and follow the links to a free credit report. More about credit reports.
3. Don’t make multiple applications (with us or any other lender). Every application is listed as an enquiry on your credit report. Too many can be seen as a red flag and reduce your chances of approval.
Make sure you have everything in the list below:
o Australian driver licence
o Medicare card
o Australian birth certificate
o NSW photo card.
o Two payslips from your main employer from the last two months
o A Government Authority statement from the last two months confirming your pension or allowance
o Rental income proof covering the last three months
o Self-employed? You’ll need to show you’ve been in business for at least 18 months, the last two months’ business bank statements and last year’s Notice of Assessment.
If you’re already a Westpac customer, you’ll also need to:
Additional eligibility criteria or documentation may be required.
You can obtain written confirmation of eligibility for cover for your overseas journey from the issuer of the insurance, 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, based on the answers you give AGA, by applying online at: checkyourcover.com.au/westpac. If you provide AGA with incorrect answers to the questions we ask you, you may not be eligible for cover under the group policy issued to Westpac. 4
Spotify Premium (monthly Spotify subscriptions) purchases made at Spotify’s Australian website, are eligible for Accelerated Earn. Ticket purchases or merchandise purchased through Spotify are not eligible for Accelerated Earn Bonus Points.
Access to up to 6 months' complimentary cover for International Travel Insurance when you meet the eligibility criteria as set out in the Credit Card Complimentary Insurance Policy including prepaying $500 of your travel costs to your eligible card and holding a return overseas ticket before departing Australia, (see policy document for full eligibility criteria, terms, conditions, and exclusions).
Overseas Transit Accident Insurance covers against specified accidental death or injury when sustained overseas while riding, boarding or alighting as a passenger in a plane, bus, train or shorthaul ferry when you have purchased the tickets for the entire trip using your Credit Card before you leave (terms, conditions, exclusions and eligibility criteria apply).
Access to up to 4 months Purchase Protection Insurance on eligible purchases, as set out in the Credit Card Complimentary Insurance Policy (terms, conditions, exclusions and eligibility criteria apply).
Up to 24 months extended warranty insurance cover (in addition to the manufacturer's expressed Australian warranty) on a range of personal items purchased using your Credit Card (terms, conditions, exclusions and eligibility criteria apply).
8am – 8pm Sydney Time, 7 days
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
On Uber, Uber Eats, David Jones, Myer, THE ICONIC, Spotify Premium and Airbnb
On all other eligible purchases 6 .
Mastercard, Bunnings, JB Hi-Fi or any other of our 24 partner retailers.
Help repay your card balance by turning points into credit on your card.
From cinema tickets to spa treatments, and everything in-between.
Anywhere, Anytime Mastercard is accepted.
Get up to 150,000 bonus Altitude Rewards Points ^ — 100,000 Rewards Points in year 1 if you spend $6k+ on eligible purchases † within 120 days of new card approval and an extra 50,000 points after your first eligible purchase in year 2.
You can redeem 150,000 Altitude Rewards Points for up to $700 in eGift cards at a range of retailers or choose merchandise from our online store 5 .
Plus, a reduced first year card fee of $150 ## (reverts to $295 thereafter).
Already with Westpac? Sign in to apply for a $99 ** card fee for the first year (reverts to $295 thereafter).
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.
Variable purchase rate: 20.99% p.a.
Variable cash advance rate: 21.99% p.a.
Interest free days on purchases: Up to 45
Minimum credit limit: $15,000
Minimum income required: $75,000
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).
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
Including two complimentary Priority Pass airport lounge passes each year, one of which you can share with your travel companion 3 . See FAQs on how to redeem.
Annual card fee
Foreign transaction fee
Payable as a percentage of the Australian dollar value of any foreign transaction.
Applies for transactions in a foreign currency, or in Australian dollars but processed by an overseas merchant or financial institution.
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.
3% of the value of the transaction will apply to each cash advance made on your card account.
These charges will appear on your credit card statement directly below the relevant cash advance.
Follow this section to improve the likelihood your application is approved.
You’ll be assessed on your ability to repay the money you borrow. Three things you can do to help:
- other credit cards or loans (including lenders such as afterpay and zip pay)
- rent as well as utilities such as your phone, internet and electricity.
2. Check the details on your credit report are correct before applying. Head to CreditSmart.org.au and follow the links to a free credit report. More about credit reports.
3. Don’t make multiple applications (with us or any other lender). Every application is listed as an enquiry on your credit report. Too many can be seen as a red flag and reduce your chances of approval.
Make sure you have everything in the list below:
o Australian driver licence
o Medicare card
o Australian birth certificate
o NSW photo card.
o Two payslips from your main employer from the last two months
o A Government Authority statement from the last two months confirming your pension or allowance
o Rental income proof covering the last three months
o Self-employed? You’ll need to show you’ve been in business for at least 18 months, the last two months’ business bank statements and last year’s Notice of Assessment.
If you’re already a Westpac customer, you’ll also need to:
Additional eligibility criteria or documentation may be required.
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.
Spotify Premium (monthly Spotify subscriptions) purchases made at Spotify’s Australian website, are eligible for Accelerated Earn. Ticket purchases or merchandise purchased through Spotify are not eligible for Accelerated Earn Bonus Points.
You can obtain written confirmation of eligibility for cover for your overseas journey from the issuer of the insurance, 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, based on the answers you give AGA, by applying online at: checkyourcover.com.au/westpac. If you provide AGA with incorrect answers to the questions we ask you, you may not be eligible for cover under the group policy issued to Westpac. 4
Access to up to 6 months' complimentary cover for International Travel Insurance when you meet the eligibility criteria as set out in the Credit Card Complimentary Insurance Policy including prepaying $500 of your travel costs to your eligible card and holding a return overseas ticket before departing Australia, (see policy document for full eligibility criteria, terms, conditions, and exclusions).
Overseas Transit Accident Insurance covers against specified accidental death or injury when sustained overseas while riding, boarding or alighting as a passenger in a plane, bus, train or shorthaul ferry when you have purchased the tickets for the entire trip using your Credit Card before you leave (terms, conditions, exclusions and eligibility criteria apply).
Access to up to 4 months Purchase Protection Insurance on eligible purchases, as set out in the Credit Card Complimentary Insurance Policy (terms, conditions, exclusions and eligibility criteria apply).
Up to 24 months extended warranty insurance cover (in addition to the manufacturer's expressed Australian warranty) on a range of personal items purchased using your Credit Card (terms, conditions, exclusions and eligibility criteria apply).
We’ve recently partnered with Ten Lifestyle Services. Westpac Altitude Black cardholders will now be able to browse and book experiences with ease, purchase hard-to-get tickets, make last-minute restaurant reservations and more, all online. You can find out more here, or reach our Lifestyle Managers on 1300 651 999 (option 4) for 24/7 personalised assistance.
8am – 8pm Sydney Time, 7 days
Credit criteria, fees and charges apply. Credit Card Product 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 Rewards Platinum Bonus Points Promotion: To be eligible for up to 120,000 bonus Altitude Reward Points, you must apply and be approved for a new Altitude Rewards Platinum card between 2nd November 2023 and 30th November 2024. You will receive an initial 90,000 bonus points if you spend $3k or more on eligible purchases within 90 days of card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria. You will receive an additional 30,000 bonus points if you keep your account open for more than 12 months and continue to use the card. These additional points will be credited to your points balance within 12 weeks, after the first eligible purchase is made in the second year of your card account being active. If you do not meet the minimum spend criteria within 90 days of card approval, you forfeit the initial 90,000 bonus points only. However, you are still eligible for the additional 30,000 bonus points in the second year if you continue to use your card. 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. Credit Card Product Switches, upgrades or Westpac group staff are ineligible for this offer.
^Bonus Altitude Points Promotion Altitude Black: To be eligible for up to 150,000 bonus Altitude Points, you must apply and be approved for a new Altitude Black Rewards credit card with Altitude Rewards between 2nd November 2023 and 30th November 2024. You will receive an initial 100,000 bonus points if you spend $6k or more on eligible purchases within 120 days of card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria. You will receive an additional 50,000 bonus points if you keep your account open for more than 12 months and continue to use the card. These additional points will be credited to your points balance within 12 weeks, after the first eligible purchase is made in the second year of your card account being active. If you do not meet the minimum spend criteria within 120 days of card approval, you forfeit the initial 100,000 bonus points only. However, you are still eligible for the additional 50,000 bonus points in the second year if you continue to use your card. 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. Credit Card Product Switches, upgrades or Westpac group staff are ineligible for this offer.
≈Reduced First year Card Fee for Altitude Rewards Platinum: The discounted first year Card Fee of $49 is available when you apply and are approved for a new Altitude Rewards Platinum card between 2nd November 2023 and 30th November 2024. After the first year, the Card Fee reverts to $175 thereafter, and will be debited to your card account on the 12-month anniversary of the Card Fee date and annually thereafter.
>>> Existing customers only - Altitude Rewards Platinum First Year Card Fee Waiver: is available for existing Westpac customers when you apply and are approved for a new Altitude Rewards Platinum credit card between 2nd November 2023 and 30th November 2024. After the first year, the Card Fee reverts to $175 thereafter, and will be debited to your account annually on the 12-month anniversary of the Card Fee date.
## Reduced First year Card Fee for Altitude Rewards Black: The discounted first year Card Fee of $150 is available when you apply and are approved for a new Altitude Rewards Black credit card between 2nd November 2023 and 30th November 2024. After the first year, the Card Fee reverts to $295 thereafter, and will be debited to your account annually on the 12-month anniversary of the Card Fee date.
** Existing Customers Only - Reduced First year Card Fee for Altitude Rewards Black: The discounted first year Card Fee of $99 is available for existing Westpac customers when you apply and are approved for a new Altitude Rewards Black credit card between 2nd November 2023 and 30th November 2024. After the first year, the Card Fee reverts to $295 thereafter, and will be debited to your account annually on the 12-month anniversary of the Card Fee date.
†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.
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 2nd November 2023 and is subject to change without notification. All redemption of Altitude Rewards points are subject to availability and the Altitude Terms and Conditions (PDF 117KB) .
6. Rewards Points: The earning and redemption of Altitude Points, Velocity Points and Qantas Points are subject to the Altitude Terms and Conditions (PDF 117KB) . Purchases that are not eligible to earn Rewards Points are set out in the Altitude Terms and Conditions (PDF 117KB) . You do not receive points if you have not paid the Minimum Payment Due in full and on time and in other circumstances. Points earnt for PartPay (PDF 96KB) Purchases are based on the full value of the purchase, and not on each instalment amount. 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 when you pay the Closing Balance (or the Monthly Payment Balance if you have a Balance Transfer, a SmartPlan or a PartPay Card) 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. It 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 member/guest visit fee, which can be found on the Priority Pass website https://www.prioritypass.com/join-prioritypass. The additional fee 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 898KB) 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.
Westpac is the credit provider and credit licensee under National Consumer Credit Laws.
Registered to BPAY Pty Ltd ABN 69 079 137 518
Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
