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How to earn more Westpac Altitude Rewards points

The simple tips you need to earn more Westpac Altitude Rewards Points to redeem rewards faster.


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The Westpac Altitude Rewards program lets you earn points on your everyday credit card spending which you can then redeem for rewards including travel, frequent flyer points, merchandise and even Holden vouchers you can put towards car purchases.

Here, we look at the key details of the program, including a comparison of Westpac Altitude credit cards and how to earn more points. We also look at essential details to consider so you can make the most of your Westpac Altitude Rewards credit card and account.

westpac logo with altitude rewards

How does the Westpac Altitude Rewards program work?

Credit cards linked to the Westpac Altitude Rewards program come a Visa or Mastercard. The program also includes these key requirements and features:

  • Eligible purchases. Most everyday purchases are eligible for earning points, but common exclusions include cash advances, BPAY transactions, government payments and bank fees. Note that ATO payments are not eligible transactions on the Visa or Mastercard.
  • Point caps. There is no limit to the number of points you can earn with the Westpac Altitude Black and Westpac Altitude Platinum.
  • Rewards. Reward options include travel, gift cards, merchandise and frequent flyer points. You can also make donations, offset your credit card fees, make Westpac home loan fee rebate redemptions or even convert your points into BT superannuation funds.
  • Online account access. You can manage your membership, track points and make redemptions via the Altitude Rewards website using your secure login email and password.

Note that with this program you could also choose to earn Qantas Points instead of Altitude Rewards. This requires you to opt-in to the Altitude Qantas program, where different earn rates and points caps apply and rewards are available as per the Westpac Altitude Classic caters for basic users, while the Westpac Altitude Platinum caters for higher spenders. Above that, the Westpac Altitude Black packs even more premium perks and an uncapped higher points earn rate at the cost of higher annual fees.

Compare Westpac Altitude Rewards credit cards

Data indicated here is updated regularly
Name Product Bonus points Rewards program Rewards points per $ spent Purchase rate Annual fee
Westpac Altitude Platinum Card
Westpac Altitude Rewards
20.49% p.a.
$99 annual fee for the first year ($150 p.a. thereafter)
Earn 80,000 bonus Altitude Points when you spend $3,000 within 90 days. Plus, a first-year annual fee discount and a long-term balance transfer offer.
Westpac Altitude Black
Westpac Altitude Rewards
20.49% p.a.
Earn 150,000 bonus Altitude Points when you meet the spend requirement. Plus, 2 yearly Priority Pass lounge invitations.

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7 ways to earn more Westpac Altitude Rewards points

  1. Compare cards. Before applying, it's important to compare Westpac Altitude Rewards credit cards to find the card that is most suited to your budget and spending habits. This will also ensure that you don't end up overpaying for a card that has features you may not use.
  2. Take advantage of bonus points offers. Depending on when you apply, a Westpac Altitude Rewards credit card may include an introductory bonus points offer for new customers. With a substantial bonus points giveaway, you can sometimes earn as much as a free flight simply for signing up and meeting spending requirements.
  3. Request additional cardholders. Additional cardholders can double or triple your points-earning potential by increasing spending on your card account. But account expenditure would still be capped by your credit limit and you would still be responsible for managing all repayments.
  4. Use your card for big-ticket items. Charging major purchases to your credit card allows you to earn more rewards points for your spending. But be careful to make punctual repayments in order to avoid paying high interest costs.
  5. Pay for everyday expenses with your credit card. Where possible, pay for regular purchases using your credit card instead of a debit card or cash.
  6. Use your card for overseas purchases. If you have a Westpac Altitude Black credit card, you can earn 2 points per $1 spent with overseas merchants using either your Visa/Mastercard.
  7. Check out bonus partners. Westpac Altitude Rewards has a number of bonus partners including hotels, wine companies and mobile phone retailers that allow you to earn up to 1.25 bonus points per $1 spent. Visit the Altitude Rewards website to see a list of current bonus partner offers.

Earning Westpac Altitude Rewards points on everyday spending

lady with groceries and bill
Jo has just obtained a new Westpac Altitude Platinum card, which she plans to use for the following everyday expenses:

  • Groceries: $200 per week
  • Fuel: $50 per week
  • Total: $250 per week

If she used her Visa/Mastercard, this would earn her 13,000 Altitude points over a year (or 52 weeks).

What else do I need to know?

To get the most value from your rewards points, you'll need to keep card costs to a minimum. Therefore if you're looking for ways to earn more Westpac Altitude Rewards points, also consider the following factors:

  • Repayments and interest charges. Making punctual and full monthly repayments will ensure that you reduce or avoid interest fees on your card.
  • The annual fee. Depending on your card usage, lifestyle and spending habits, your card annual fee should not cost more than the value of rewards and benefits it provides you in a year. Consider your average spending, the points this will yield, rewards you could redeem and perks such as complimentary travel insurances and concierge services to get a basic idea of whether the card will be worth it for you.
  • Foreign transaction fees. Westpac Altitude Rewards credit cards have a foreign currency fee worth 3% of the total transaction made with Visa/Mastercard. This charge is particularly relevant if you intend to use your card abroad or shop online with international retailers.
  • Cash advance fees. Also consider cash advance fees and cash advance interest rates before making cash advances on your credit card. Since these fees tend to be high, the best way to avoid them would be to avoid making cash advances altogether.
  • Point expiry. Altitude Rewards points don't have a fixed lifespan and stay valid as long as your account is active. If you close your account, they expire 90 days from the time you cancel your credit card.

While shopping for a rewards credit card, it is also important to factor in projected card costs so that your earned rewards are worth it. You may also wish to compare Westpac Altitude Rewards with other credit card reward programs before deciding on the option that will suit you best.

Pictures: Shutterstock

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2 Responses

  1. Default Gravatar
    HelenApril 21, 2013

    Are the altitude points capped on our Westpac Altitude Cards?

    • Avatarfinder Customer Care
      JacobApril 22, 2013Staff

      Hi Helen. Thanks for your question. According to the Westpac website, ‘a points cap of 7,500 points applies when using either or both cards. Bonus points do not count towards the points cap.’ This will commence from 17 June 2013. Jacob.

Credit Cards Comparison

Data indicated here is updated regularly
Name Product Purchase rate Balance transfer rate Annual fee
Skye Mastercard - Exclusive Offer
23.99% p.a.
0% p.a. for 25 months
Finder Exclusive
Save with 0% p.a. on balance transfers for 25 months, up to 110 days interest-free on purchases and flexible instalment plan options.
ANZ Low Rate - Exclusive Offer
12.49% p.a.
0% p.a. for 25 months with 1.5% balance transfer fee
$0 annual fee for the first year ($58 p.a. thereafter)
Finder Exclusive
Save with 0% p.a. on balance transfers for 25 months (with a one-time 1.5% BT fee) and $0 first year annual fee. Ends 30 Sept 2020.
NAB Qantas Rewards Signature Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$295 annual fee for the first year ($395 p.a. thereafter)
Collect up to 130,000 bonus Qantas Points. Get 100k when you spend $3,000 on eligible purchases in the first 60 days and 30k after 12 months.
ANZ Platinum Credit Card
0% for 17 months, reverts to 20.24% p.a.
20.24% p.a.
$0 annual fee for the first year ($87 p.a. thereafter)
Receive a 0% purchase rate offer for 17 months and a $0 first-year annual fee. Plus, complimentary overseas travel and medical insurance.

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* The credit card offers compared on this page are chosen from a range of credit cards has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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