Westpac Altitude Rewards Points Calculators

Altitude Points Calculators for earning with Westpac credit cards, calculating the cash value based on redemption, and transferring to airline partners.

Program Details

Westpac is an Australian bank and financial services provider based out of Sydney, Australia. They are one of Australia's "big four" banks. Westpac offers credit cards for their Altitude Rewards Program as well as credit cards for the Qantas Frequent Flyer Program.

Credit Card Rewards Calculators

The Westpac Credit Card Calculators will calculate how many Altitude Rewards Points you can earn based on your monthly/yearly spend across categories. Each calculator will also output the cash value of the card based on your spend, how much you value the benefits of each card, and any annual fees the card may have.

compare westpac rewards points
Compare credit cards side by side based on spend, benefits and annual fees.

You can compare the results side by side any credit cards featured on the site to find out which earns you the most rewards and the best return. All spend entered (primary/first column only) will carry over to all credit card calculators on the website.

Westpac Credit Card Calculators

Westpac offers two Altitude Rewards credit cards. The Altitude Black Card earns a high 6 points per $1 spent across Qantas, Jetstar, Singapore and Emirates along double points across a spread of different categories. The Altitude Platinum featuers a solid return on Qantas and Jetstar along with several of the same 2x categories. Both cards are great for anyone looking to build up points transferable to top frequent flyer programs.

Redeeming Rewards & Cash Value

You have a decent amount of options when it comes to redeeming Westpac Altitude Rewards Points. Altitude Points can be redeemed towards:

  • Travel
  • Gift Cards
  • Cash Back
  • Mechandise
  • Mortgage Fee Discount
  • Annual Fee Rebate
  • Donations To Charity
  • Transfers To Frequent Flyer Partners

Redeeming For Travel

In most instances, redeeming your Altitude Rewards Points towards travel will give you the best value. This includes redeeming them through Altitude Travel as well as transferring your points to frequent flyer programs in order to redeem for flights. The value you receive from either of these will depend on the travel you're booking. Vacation packages booked through Altitude Travel can yield some great results as I've seen some examples across the internet that gives 1 to 3 cents or more in value.

Gift Cards

Altitude Rewards Points can be redeemed towards gift cards which will give you up to 0.46 cents in value per point. Gift cards include a range of stores including David Jones, Myer, Woolworths, and many more. Both physical and eGfit cards are available through the Altitude Rewards portal.

Cash Back

Redeeming your Altitude Rewards Points for cash back will give your points a value of 0.33 cents each. You can redeem your points in various increments to help reduce your card's balance. The table below lists the available increments and the cost in points for each.

Redeem Altitude Points For Cashback
Denominations Cost In Points
$50 15,000 Points
$100 30,000 Points
$500 150,000 Points
$1,000 300,000 Points


Altitude Rewards Points can be redeemed towards merchandise in the Altitude Store. Like many rewards programs, this options has the chance to give you the lowest redemption values. That being said, there are usually some hidden gems that can be found when redeeming points towards merchandise as well. If you're planning on making a purchase, checking the price of the item in the Altitude Store is not a bad thing to do as you never know what value you could get out of your points. Generally speaking, you'd be better off purchasing the item with your card and then redeeming your points for cash back to use towards that purchase.

Mortage Fee Discount

You can redeem your Altitude Rewards Points towards a rebate on your Westpac mortgage fees. You can use your points to pay off all or part of monthly loan maintenance fees or package fees. Redemptions start at 9,600 Altitude Points and this can only be done by phone.

Annual Fee Rebate

If you want to apply your Altitude Rewards Points towards your annual fee, you can do so. Redemptions must be made in $25, $75, $100, $125, or $150 increments.

Donations To Charity

If you're in a giving mood, you can donate your Altitude Rewards Points to charity. Charities include Cancer Council Australia, Westpac Rescue Helicopter, and Surf Life Saving Australia.

Transfer Partners

Altitude Rewards Points can be transferred to a small handful of frequent flyer partners. This gives you the ability to earn miles in other programs by using your Altitude Rewards credit cards.

The Altitude Points Transfer Calculator below will calculate the transfer of Altitude Rewards Points to airline miles with Westpac's partners.


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