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Westpac Altitude Rewards has a range of frequent flyer partners for earning points on credit card spends. These include Qantas for cards linked to ‘Altitude Qantas’, or Virgin Australia, Singapore Airlines KrisFlyer, Cathay (Asia Miles) and more, for cards linked to Altitude Rewards.
Westpac’s high-end Altitude Black and Altitude Platinum cards are well worth a look for their increased frequent flyer points earn rates.
| Card | Current offer | Min. spend | Annual fee | Earn rate | Estimated points | Benefits | Apply |
|---|---|---|---|---|---|---|---|
 Westpac Lite Credit Card | The Westpac Lite Credit Card has no foreign transaction fees including for shopping and offer a low variable purchase rate of 9.90% per annum. The card has a monthly fee of $9 for a total of $108 annually. Offer ends 21 May 30 | $0 | $108 | n.a. | 0 | <ul><li>No fees on foreign transactions</li><li>Up to 45 days interest-free</li><li>9.90% p.a. variable purchase rate</li></ul> | Find out more & Apply |
 Westpac Altitude Rewards Black | The Westpac Altitude Rewards Black has up to 200,000 Altitude Points plus a reduced first year annual card fee on offer for new cardholders, the points can be transferred to Velocity Frequent Flyer, KrisFlyer or Cathay miles at a 4:1 ratio. The card offers high points earn rates plus ongoing benefits, including Priority Pass lounge invites. Offer ends 25 Mar 35 | $12,000 | $295 | 3 Altitude Points per $1 on international transactions, 2 Altitude Points per $1 on everyday spend, and 1 Altitude Points per $1 on all other eligible spend up to $10,000 per statement period. Then 0.5 Points per $1 thereafter, uncapped | 148,000 | <ul> <li>Up to 200,000 bonus Altitude Points</li> <li>2 Priority Pass Invites</li> <li>$200 card fee for the first year, $295 p.a. ongoing</li> </ul> | Offer Currently Not Available |
 Westpac Altitude Qantas Black | Westpac is offering up to 150,000 bonus Qantas Points + 50 Status Credits for new cardholders of the Westpac Altitude Qantas Black. New cardholders will receive 90,000 Qantas Points + 50 Status Credits when you spend $6,000 or more on eligible purchases within 90 days of approval and an additional 60,000 Qantas Points after spending $6,000 on eligible purchases within 90 days of card anniversary in year 2. This card also earns up to 1.5 Qantas Points per $1 spent on eligible purchases, and includes two Qantas Club Complimentary Lounge Invitations each year plus complimentary international travel insurance. The annual card fee is $295, plus a $155 Qantas Rewards program fee. Offer ends 25 Mar 35 | $6,000 | $450 | Earn 1.5 Qantas Points per $1 on international transactions, 0.8 Qantas Points per $1 on everyday spend, and 0.4 Qantas Points per $1 on all other eligible spend up to $10,000 per statement period. Then 0.25 Qantas Points per $1 thereafter | 109,200 | <ul> <li>Up to 150,000 Qantas Points</li> <li>50 Qantas Status Credits</li> <li>2 Qantas Club Complimentary Lounge Invitations each year</li> <li>Complimentary insurances</li> </ul> | Offer Currently Not Available |
 Westpac Altitude Business Gold | The Westpac Altitude Business Gold has no annual fee for the first year on offer for new cardholders. Earns 1 Altitude point per $1 on eligible spend and comes with Travel, Purchase and Business insurances. Offer ends 29 Sep 30 | $0 | $150 | 1 Altitude Rewards point per $1 on eligible spend, 0.5 Altitude Rewards point per $1 on Government transactions | 24,000 | <ul><li>No annual fee for the first year</li><li>Earn flexible points</li><li>Complimentary insurances</li></ul> | Offer Currently Not Available |
 Westpac Altitude Rewards Platinum | The Westpac Altitude Platinum Credit Card has up to 100,000 bonus Altitude Rewards Points on offer for new cardholders. Comes with a discounted first-year annual fee, complimentary insurance, and earns decent Altitude Points on spend. Offer ends 25 Mar 35 | $3,000 | $250 | 2 Altitude Points per $1 on international spend, 1.25 Altitude Point per $1 on everyday spend, and 1 Altitude Point per $1 on all other eligible spend, capped at $5,000 per statement period. Then 0.5 per $1 thereafter | 105,000 | <ul><li>Up to 100,000 Altitude Rewards Points</li><li>Earn flexible points on spend</li><li>Discounted first year annual fee</li></ul> | Offer Currently Not Available |
 Westpac Altitude Qantas Platinum | Receive 70,000 Qantas Points when you spend $4,000 on eligible purchases within 90 days of card approval and an additional 30,000 Qantas Points when you spend $4,000 on eligible purchases within 90 days of card anniversary in year 2. Offer ends 31 Jul 35 | $4,000 | $300 | Earn 0.75 Qantas Points per $1 on international transactions, 0.5 Qantas Points per $1 on everyday spend, and 0.35 Qantas Points per $1 on all other eligible spend up to $5,000 per statement period. Then 0.20 Qantas Points per $1 thereafter. | 82,000 | <ul> <li>Up to 100,000 bonus Qantas Points</li> <li>Earn Qantas Points on spend</li> </ul> | Offer Currently Not Available |
 Westpac Altitude Velocity Black | Get up to 150,000 Velocity Points with the Westpac Altitude Velocity Black card. Receive 90,000 Velocity Points when you spend $6,000 or more on eligible purchases within 90 days of approval and an additional 60,000 Velocity Points after spending $6,000 on eligible purchases within 90 days of card anniversary in year 2.
Offer ends 30 Apr 35 | $6,000 | $450 | Earn 1.2 Velocity Points per $1 on international transactions, 0.8 Velocity Points per $1 on everyday spend, and 0.5 Velocity Points per $1 on all other eligible spend up to $10,000 per statement period. Then 0.25 Velocity Points per $1 thereafter | 109,200 | <ul> <li>Up to 150,000 Velocity Points</li> <li>2 Virgin Australia Domestic Lounge invites</li> <li>Complimentary insurances</li> </ul> | Offer Currently Not Available |
 Westpac Altitude Velocity Platinum | The Westpac Altitude Velocity Platinum Credit Card has up to 100,000 bonus Velocity Points for new cardholders, comes with complimentary insurance, and provides decent Velocity Points earn rates on eligible spend. Offer ends 30 Apr 35 | $4,000 | $300 | Earn 0.75 Velocity Points per $1 on international transactions, 0.5 Velocity Points per $1 on everyday spend, and 0.35 Velocity Points per $1 on all other eligible spend up to $5,000 per statement period. Then 0.20 Velocity Points per $1 thereafter. | 82,000 | <ul> <li>Up to 100,000 bonus Velocity Points</li> <li>Earn Velocity Points on spend</li> </ul> | Offer Currently Not Available |
Frequently Asked Questions
Yes—Altitude Rewards is Westpac’s own flexible points program, while Qantas-branded cards earn directly into your Qantas account.
Altitude points can be transferred to Velocity, KrisFlyer, Asia Miles, and more.
Black cards offer higher earn rates, travel perks like lounge passes, and better insurance. Platinum cards are a step down but still offer rewards.
Most Platinum and Black cards include international travel insurance—check activation requirements.
Generally, bonus points are for new cardholders who haven’t held a Westpac card of the same rewards type in the last 12–18 months.
Yes, Westpac has low-fee options and sometimes first-year fee waivers on higher-tier cards.
Yes—Westpac supports major mobile wallets.
Some Altitude cards may earn points on government charges, but check the exclusions.
No, Altitude and Qantas points earned via Westpac cannot be pooled, but you can book flights for others.
You’ll need to apply for a different product. Points earned can’t be switched once allocated.
