While CBA adds travel, Big 4 rival Westpac’s added the capability for its Altitude credit card rewards program customers to pay with their loyalty points in-store in the Westpac app. When Westpac New Zealand launched the same service in 2020 for their equivalent of Altitude (hotpoints), the Pay With Points redemption option accounted for 40% of redemptions after 4 months, cannibalising other reward types.