Pay with Points
Why use Pay with Points?
Points on, points off
Instantly switch Pay with Points on and off in the Westpac App.
Spend ‘em if you got ‘em
If you've got $3 of points or more, then you can spend them anywhere Mastercard is accepted. Your move.
Anywhere, anytime
Brunch, baguettes, or a box of chocolates, spend your points on anything.
Points forever, no cap
There’s no limit on how many points you can spend in one go and they don’t expire.
Not available for Altitude Qantas or Altitude Velocity credit cards.
So how does it work?
1. Switch it on in the Westpac App
Search Pay with Points in the app and then activate it for your next purchase as a one-off or for all eligible purchases. You’ll need at least $3 of points available.
2. Shop
Spend with your Altitude Rewards card on any purchase of $3 or more.
3. Get a credit
You’ll get a credit back for the amount of points used^.
Pay with Points anywhere Mastercard® is accepted
There’s something wonderful about points. You’ve worked hard to earn them, and when you spend them, it doesn’t feel like you’re spending money, it just feels free.
Pay with Points gives you the flexibility and freedom to use your points on everyday items – from your morning coffee to your grocery shop. You can use your Altitude points anywhere and everywhere Mastercard is accepted*.
Explore our Rewards cards
Up to 120,000 bonus Altitude Points>
Earn up to 120,000 bonus Altitude Points on the Altitude Rewards Platinum card. T&Cs apply.
Offer not available if you’ve held an Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas or Velocity in the last 24 months.
Up to 150,000 bonus Altitude Points^
Earn up to 150,000 bonus Altitude Rewards Points on the Altitude Rewards Black card. T&Cs apply.
Offer not available if you’ve held an Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas or Velocity in the last 24 months.
Frequently asked questions
What if I return a Pay with Points purchase?
You will be refunded for your purchase by the merchant back into your credit card account. As you've already received your Pay with Points cashback, your Altitude Points will not be reimbursed.
What if I have more than one Altitude Rewards card?
If you have more than one Altitude Rewards card (including Business Altitude Rewards cards), the redemption amount available will be your total cumulative Altitude points Balance.
What if I don't have enough points?
If you don't have enough Reward Points to cover your purchase, you will only receive a cashback for part of the purchase.
What else do I need to know?
Pay with Points is a way of redeeming Altitude Reward points for a reward under the Altitude Reward Terms & Conditions.
Altitude Reward Points don't have a cash value, where we display a dollar amount to you, this is simply the amount of cashback you are currently able to receive by using Pay with Points.
What do I need to check before using Pay with Points?
Purchases that use Pay with Points will temporarily reduce your available balance until the Pay with Points credit is posted. So, check that you have enough credit to complete the transaction.
What purchases can I make using Pay with Points?
Pay with Points can be used for most purchases (instore and online), including recurring payments such as subscriptions. These are also known as 'automatic payments'. Pay with Points can be used in Australia or overseas.
What about pending or pre-authorised transactions?
Any pending or pre-authorised transactions will be treated as Pay with Points redemptions, even if the amount changes when the transaction is finalised.
What about additional cardholders?
Only the primary cardholder can activate Pay with Points. Once you've switched it on, it's also activated for any additional cardholder spend.
Are there any excluded transactions?
You can't use Pay with Points to repay your credit card balance, or for some other transactions, such as gambling, government payments or cash equivalent transactions. However, you may redeem your points for a cashback, and this could be used to pay part or the full amount of your credit card balance.
Am I eligible to use Pay with Points?
You must have enough Altitude points to redeem $3. There is also a minimum spend of $3.
You may not be eligible to use Pay with Points if you're not up to date on your payments, if your card is blocked or cancelled, or your card has been reported as lost or stolen.
If I have an Altitude Qantas or Altitude Velocity credit card, can I use Pay with Points?
No, it’s unavailable on these credit cards. You need to have an Altitude Rewards Platinum or Black credit card to use Pay with Points.
Things you should know
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.
^You will receive a credit (cashback) to your account shortly after making an eligible purchase. This amount is applied to your credit card balance and will appear on your statement as a separate transaction. Your Rewards Available figure is based on your current balance and our current conversion rate, which we may change from time to time.>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 31st October 2024 and 25th March 2025. 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 24 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 $99 is available when you apply and are approved for a new Altitude Rewards Platinum card between 31st October 2024 and 25th March 2025. 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 31st October 2024 and 25th March 2025. 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.
†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.
^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 31st October 2024 and 25th March 2025. 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 24 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 Black: The discounted first year Card Fee of $200 is available when you apply and are approved for a new Altitude Rewards Black credit card between 31st October 2024 and 25th March 2025. 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 31st October 2024 and 25th March 2025. 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.
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