Westpac Altitude Business Gold Mastercard

Credit card rewards calculator

Westpac Altitude Business Gold Points Calculator

Estimate how many Westpac Altitude Rewards Points the Westpac Altitude Business Gold Mastercard earns and what they're worth, based on your spending, the perks you use, and the annual fee. Add or pair other cards to compare your combined rewards value.

Written By: Robert Flowers III

Last Updated: 12 April 2026

Annual fee $150 annual fee

Auth. user fee No fee for additional cardholders

Foreign trans. fee 3%

Issuer Westpac

Calculate your Westpac Altitude Business Gold Mastercard rewards

What the Westpac Altitude Business Gold Mastercard calculator works out

This is an interactive calculator for the Westpac Altitude Business Gold Mastercard. It estimates how many Westpac Altitude Rewards Points the card earns from your own spending, what those points are worth at a valuation you set, and what the card is worth across a year once benefits and the annual fee are accounted for. The figures below are the card's published rates; enter your spending to replace them with your own numbers.

Westpac Altitude Business Gold Mastercard earning rates

The calculator applies these rates to the spending you enter, dropping to the lower rate automatically once a cap is reached.

Spending category	Rate	Cap
Everything Else	1X, then 0X thereafter	For each statement cycle, a cap of 20,000 points applies.
Government Bodies	0.5X, then 0X thereafter	For each statement cycle, a cap of 20,000 points applies.

Example: Westpac Altitude Business Gold Mastercard earnings on Everything Else

Putting $1,000 a month into Everything Else ($12,000 a year) with the Westpac Altitude Business Gold Mastercard earns about 12,000 Westpac Altitude Rewards Points a year. At a baseline of 0.44¢–0.65¢ per point, that's about $53.10–$78 in value, against $150 in annual fee. You can set your own value per point in the calculator. Change the spending figures to work this out for your own budget across every category at once.

How the Westpac Altitude Business Gold Mastercard result is calculated

Net annual value = (Westpac Altitude Rewards Points earned from your spending × your value per point) + the value you assign to the card's credits and benefits − the $150 annual fee.

Westpac Altitude Rewards Points start at a baseline of 0.44¢–0.65¢ each. That figure is a starting point, not a fixed rate — the calculator lets you replace it with your own.

Every input is adjustable: spending per category, the value of a single point, what each credit or benefit is worth to you, and whether to count the intro bonus. Up to 10 cards or multi-card wallets can be compared side by side, and each card can be set to earn a different rewards currency, including any of the 6 programs Westpac Altitude Rewards Points transfer to — so a card can be valued at what its points are worth after a transfer rather than at the baseline rate.

How This Credit Card Rewards Calculator Works

This tool uses a Net Value framework to estimate what you earn minus the costs of holding the card, based on your inputs.

The formula: Net Value = ((Rewards Earned from Spend × Value per points) + Perk Value) − (Annual Fee + Foreign Transaction Fees)
If you include intro bonuses in the calculator, they're added to annual value using the same points valuation you set.
Total customization: Baseline estimates may pre-fill for convenience, but you can override values (valuations, spend, perks, and fees) to match your strategy.
Transfer modeling: For transferable rewards, conversions are modeled using standard ratios for your region. You can adjust ratios to reflect transfer bonuses or recent changes.
Verified rates: Default earning multipliers and fees are based on current issuer/program terms, then your calculator inputs determine the final result.

Full breakdown: For data sources and deeper math, see our Full Rewards Methodology.