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American Express Westpac Altitude Platinum Card Bundle
points over 12 months Calculate your savings icon

Earn rate per $1

1 point
16.77% Complete (success)
Altitude Rewards

Bonus points

75,000 points
75,000% Complete (success)

Annual fee

$199
p.a.
199% Complete (success)

Pros

Up to 75,000 bonus Altitude Points when you apply, are approved and meet the minimum spend criteria for each card

Earn up to 3 Altitude Points using the American Express and earn 1 Altitude Point per $1 spent using the Mastercard

Higher points earn on overseas spend

Complimentary overseas travel insurance

Cons

High purchase rate and cash advance rate

American Express Westpac Altitude Platinum Card Bundle

Receive up to 75,000 bonus Altitude Points when you apply, are approved and meet the minimum spend criteria for each card. Get 60,000 bonus Altitude Points when you spend $3,000 on eligible purchases on your new Mastercard® within the first 90 days plus get 15,000 bonus Altitude Points when you spend $3,000 on eligible purchases on your new American Express. Offer ends 15 October 2019. The American Express Westpac Altitude Platinum card two-card bundle comes with the benefit of both a Mastercard and an American Express credit card. The Mastercard is issued and serviced by Westpac, American Express card issued and serviced by American Express. If you are looking to earn Qantas points, see the American Express Westpac Altitude Platinum Card Bundle – Qantas

Key features

  • Receive 60,000 bonus Altitude Points when you apply, are approved and spend $3,000 on eligible purchases on your new Westpac Altitude Platinum Mastercard within 90 days of card approval
  • Receive 15,000 bonus Altitude Points when you apply, are approved and spend $3,000 on eligible purchases on your new American Express® Westpac Altitude Platinum Card within 90 days of Card approval
  • Annual fees of $199 for the Altitude Platinum Bundle (Mastercard $150 p.a. and American Express card $49 p.a.)
  • Altitude Rewards - Mastercard earn rate: 1 Altitude Point for every $1 spent on eligible purchases
  • Altitude Rewards - American Express earn rate: 3 Altitude Points for every $1 spent overseas, 2 Altitude Points for every $1 spent in Australia and 1 Altitude Point for every $1 spent at government bodies in Australia such as Australia Post & the ATO
100% of customers who have rated this card would recommend it
  • Rates
    49%
  • Fees
    85%
  • Rewards
    93%
  • Customer Service
    100%
  • Value
    82%
Overall user rating 82%
1 reviews
Interest Rates
Purchase rate 20.49% p.a.
Cash advance rate 21.49*% p.a.
Interest free on purchases up to 45 days
Balance Transfer
Credit limits
Minimum credit limit $6,000
Maximum credit limit $50,000
Fees & repayments
Annual fee $199 p.a.
Additional cardholder fee Up to 1 - $0 p.a.
Cash advance fee 2%
Foreign transaction fee 3%
Minimum repayment 2.5%
Late payment fee $15
Credit card type American Express
Rewards program
Rewards program Altitude Rewards Altitude Rewards
Bonus points 75,000 Altitude points
Annual points cap uncapped
Bonus points spend criteria Spend $3,000 (Mastercard) and $3,000 (Amex) within 90 days
Earning points with this card
Altitude points 1 point per $1 spent
Overseas earn rate same as standard earn rate
Points cap per month N/A
Complimentary insurance
Overseas travel insurance yes - up to months
Flight inconvenience insurance No
Transport accident cover Yes
Smartphone screen insurance No
Purchase protection insurance Yes
Extended warranty insurance Yes
Rental vehicle excess cover No
Extras
24/7 platinum concierge service

American Express Westpac Altitude Platinum Card Bundle with up to 75,000 bonus Altitude Points

Dual card power! Excellent points earning potential, one application, two cards - one Mastercard issued by Westpac and one American Express card issued and serviced by American Express. Massive bonus points offer with 75,000 Altitude points. If you are looking to earn Qantas points, check out the American Express Westpac Altitude Platinum Card Bundle – Qantas

What we love...

It is hard to go past the introductory bonus points offer of 75,000 Altitude points. The American Express Westpac Altitude Platinum Bundle require a spend criteria to be met on each card to be eligible for this offer. After you have applied and been approved for this two-card bundle offer, before the first 90 days of card approval you need to have spent $3,000 on the Westpac Altitude Platinum Mastercard on eligible purchases to get 60,000 bonus Altitude Points. To get a further 15,000 bonus Altitude Points you need to spend $3,000 on the American Express® Westpac Altitude Platinum Card within 90 days of Card approval.

Second would be having the option to use the American Express for higher points earn when needed and the flexibility of spending with a Mastercard. Any spend in foreign currency earn more points and as for other perks, there are complimentary insurances like overseas travel, transit accident, purchase security and extended warranty.

Let’s look at the annual fee of $199 and break it down. $150 is for the Mastercard and $49 is for the Amex card per year.

What’s not so great...

As with other rewards cards it comes with a high purchase rate and high cash advance rate. Be sure you pay off any purchases before you start paying any interest. There is worth noting there is no balance transfer offer if you need to move over debt from another credit card provider.

This card doesn’t come with lounge access. If you are looking for this check out the American Express Westpac Altitude Black Card Bundle

Why should you choose this card?

Apart from the great introductory bonus points offer this card comes with a reasonable annual fee and the flexibility of a Mastercard and American Express card. Earn up to 3 Altitude Points using the American Express and earn 1 Altitude Point per $1 spent using the Mastercard.

Overall Rating

A great rewards program, dual credit cards for added convenience and a great bonus points offer.

6 questions (showing the latest 10 Q&As)

manjula sharma

manjula sharma

21 February 2019
please advice me best Amex with No Annual fee, at the moment I have black amex altitude and just about to cancel because of fee.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    21 February 2019
    Hi Manjula, there are 3 no annual fee AMEX cards - The best one for you will depend on the rewards you want to gain. Qantas Discovery - earns Qantas points and would be my favourite. If you fly Virgin or want to earn Velocity points then the Velocity Escape would be the one. The last is the AMEX essential. This is my least favourite as I feel the points value in both other cards are worth more. Though this gives you flexibility to transfer the points to a range of airline partners (not inc Qantas).
ifni

ifni

16 January 2019
Are you aware of any fees or penalties for opening the card, making minimum spend, receiving the points and then closing it?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    17 January 2019
    Hi ifni, there is no fees or penalties for doing this. You can close a credit card at any time you can pay off the balance, without penalty.
judith bartnicki

judith bartnicki

7 November 2018
i have a westpac card the black card. can i change over to the westpac and Amex bundle and transfer the yearly charge for the mastercard to the new bundle
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    7 November 2018
    Hi Judith, I would reach out directly to Westpac credit card customer service. Basically they are 2 seperate cards and the annual fees are billed within each of them. They call it a bundle but the AMEX Card is issued by American Express. Therefore I believe the process would be just to apply for the AMEX card ontop of your current card. If you can spend a good amount on your AMEX each year then it may be worth getting the Qantas Ultimate which has higher points earning.
Tim Atkinson

Tim Atkinson

9 August 2018
When will the 75,000 qantas frequent flyers points become available to use?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    9 August 2018
    Hi Tim, the 75k Qantas points will be added to your points balance within 12 weeks once you meet the eligible spend criteria. I have seen it happen much quicker but this is the general terms provided by the Westpac. I had applied for a card with a different issuer which had the same time-frame. I had the points credited in around 3 weeks from meeting the spend requirement. I met the spend requirement within a few days of receiving the card to get the bonus points credited as soon as possible.
Crinel

Crinel

6 August 2018
How many additional card holders can I have on this card? How much is the additional card holder charge?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    7 August 2018
    Hi Crinel, you can have 1 additional cardholder at no extra cost. This is the maximum amount you can add to this American Express Westpac Altitude Platinum bundle.
ANNE

ANNE

5 August 2018
Can I close only one card and keep the other one when getting this Westpac Altitude Platinum Card Bundle?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    6 August 2018
    Hi Anne, the cards are separately issued. I am sure it is possible to do so. You would need to make sure in the least that you receive all the bonus points before doing so.
  • Be over 18 years old
  • Good credit and not applied for multiple credit cards recently
  • Resident or citizen of Australia
  • Minimum income of $50,000 p.a.
  • You have your personal details ready to complete the online application
American Express Westpac Altitude Platinum Card Bundle
American Express Westpac Altitude Platinum Card Bundle

American Express Credit Cards

American Express Westpac Altitude Platinum Card Bundle

Updated 18 June 2019

Apply by 15 October 2019

Points Earn Rate (per $1 spent)

1

point

Altitude

Rewards Program

Altitude Rewards

Bonus Points

75,000 pts

Spend $3,000 (Mastercard) and $3,000 (Amex) within 90 days

0 points over 12 months spend

My monthly card spend

Pros and cons

  • Up to 75,000 bonus Altitude Points when you apply, are approved and meet the minimum spend criteria for each card
  • Earn up to 3 Altitude Points using the American Express and earn 1 Altitude Point per $1 spent using the Mastercard
  • Higher points earn on overseas spend
  • Complimentary overseas travel insurance

  • High purchase rate and cash advance rate

Creditcard.com.au review

Editor Review

American Express Westpac Altitude Platinum Card Bundle with up to 75,000 bonus Altitude Points

Dual card power! Excellent points earning potential, one application, two cards - one Mastercard issued by Westpac and one American Express card issued and serviced by American Express. Massive bonus points offer with 75,000 Altitude points. If you are looking to earn Qantas points, check out the American Express Westpac Altitude Platinum Card Bundle – Qantas

What we love...

It is hard to go past the introductory bonus points offer of 75,000 Altitude points. The American Express Westpac Altitude Platinum Bundle require a spend criteria to be met on each card to be eligible for this offer. After you have applied and been approved for this two-card bundle offer, before the first 90 days of card approval you need to have spent $3,000 on the Westpac Altitude Platinum Mastercard on eligible purchases to get 60,000 bonus Altitude Points. To get a further 15,000 bonus Altitude Points you need to spend $3,000 on the American Express® Westpac Altitude Platinum Card within 90 days of Card approval.

Second would be having the option to use the American Express for higher points earn when needed and the flexibility of spending with a Mastercard. Any spend in foreign currency earn more points and as for other perks, there are complimentary insurances like overseas travel, transit accident, purchase security and extended warranty.

Let’s look at the annual fee of $199 and break it down. $150 is for the Mastercard and $49 is for the Amex card per year.

What’s not so great...

As with other rewards cards it comes with a high purchase rate and high cash advance rate. Be sure you pay off any purchases before you start paying any interest. There is worth noting there is no balance transfer offer if you need to move over debt from another credit card provider.

This card doesn’t come with lounge access. If you are looking for this check out the American Express Westpac Altitude Black Card Bundle

Why should you choose this card?

Apart from the great introductory bonus points offer this card comes with a reasonable annual fee and the flexibility of a Mastercard and American Express card. Earn up to 3 Altitude Points using the American Express and earn 1 Altitude Point per $1 spent using the Mastercard.

Overall Rating

A great rewards program, dual credit cards for added convenience and a great bonus points offer.

User reviews

American Express Westpac Altitude Platinum Card Bundle ( based on 1 Creditcard.com.au user review )

82% rating based on 1 review

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates

Purchase rate 20.49% p.a.

Cash advance rate 21.49*% p.a.

Interest free on purchases up to 45 days

Credit limits

Minimum credit limt $6,000

Maximum credit limit $50,000

Fees & repayments

Annual fee $199 p.a.

Additional card holder fee Up to 1 - $0 p.a.

Foreign transaction fee 3%

Minimum repayment 2.5%

Cash advance fee 2%

Late payment fee $15

Rewards and points

Rewards program

Rewards Program Altitude Rewards Altitude Rewards

Bonus points 75,000 Altitude points

Annual points cap uncapped

Bonus points spend criteria Spend $3,000 (Mastercard) and $3,000 (Amex) within 90 days

Earning points with this card

Altitude pointsAltitude points 1 point per $1 spent

Points cap per month N/A

Overseas earn rateOverseas earn rate same as standard earn rate

Additional features

Complimentary insurance

Overseas travel insurance yes

Flight inconvenience insurance No

Transport accident cover Yes

Smartphone screen insurance No

Purchase protection insurance Yes

Extended warranty insurance Yes

Rental vehicle excess cover No

Extras

24/7 platinum concierge service

Overview

American Express Westpac Altitude Platinum Card Bundle

Receive up to 75,000 bonus Altitude Points when you apply, are approved and meet the minimum spend criteria for each card. Get 60,000 bonus Altitude Points when you spend $3,000 on eligible purchases on your new Mastercard® within the first 90 days plus get 15,000 bonus Altitude Points when you spend $3,000 on eligible purchases on your new American Express. Offer ends 15 October 2019. The American Express Westpac Altitude Platinum card two-card bundle comes with the benefit of both a Mastercard and an American Express credit card. The Mastercard is issued and serviced by Westpac, American Express card issued and serviced by American Express. If you are looking to earn Qantas points, see the American Express Westpac Altitude Platinum Card Bundle – Qantas

Key features

  • Receive 60,000 bonus Altitude Points when you apply, are approved and spend $3,000 on eligible purchases on your new Westpac Altitude Platinum Mastercard within 90 days of card approval
  • Receive 15,000 bonus Altitude Points when you apply, are approved and spend $3,000 on eligible purchases on your new American Express® Westpac Altitude Platinum Card within 90 days of Card approval
  • Annual fees of $199 for the Altitude Platinum Bundle (Mastercard $150 p.a. and American Express card $49 p.a.)
  • Altitude Rewards - Mastercard earn rate: 1 Altitude Point for every $1 spent on eligible purchases
  • Altitude Rewards - American Express earn rate: 3 Altitude Points for every $1 spent overseas, 2 Altitude Points for every $1 spent in Australia and 1 Altitude Point for every $1 spent at government bodies in Australia such as Australia Post & the ATO

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Resident or citizen of Australia

  • Minimum income of $50,000 p.a.

  • You have your personal details ready to complete the online application

Roland B Bleyer

Roland B Bleyer founded creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

Recently Asked Questions

Something you need to know about this card? Ask a our credit card expert a question.

6 questions (showing the latest 10 Q&As)

manjula sharma

manjula sharma

21 February 2019
please advice me best Amex with No Annual fee, at the moment I have black amex altitude and just about to cancel because of fee.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    21 February 2019
    Hi Manjula, there are 3 no annual fee AMEX cards - The best one for you will depend on the rewards you want to gain. Qantas Discovery - earns Qantas points and would be my favourite. If you fly Virgin or want to earn Velocity points then the Velocity Escape would be the one. The last is the AMEX essential. This is my least favourite as I feel the points value in both other cards are worth more. Though this gives you flexibility to transfer the points to a range of airline partners (not inc Qantas).
ifni

ifni

16 January 2019
Are you aware of any fees or penalties for opening the card, making minimum spend, receiving the points and then closing it?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    17 January 2019
    Hi ifni, there is no fees or penalties for doing this. You can close a credit card at any time you can pay off the balance, without penalty.
judith bartnicki

judith bartnicki

7 November 2018
i have a westpac card the black card. can i change over to the westpac and Amex bundle and transfer the yearly charge for the mastercard to the new bundle
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    7 November 2018
    Hi Judith, I would reach out directly to Westpac credit card customer service. Basically they are 2 seperate cards and the annual fees are billed within each of them. They call it a bundle but the AMEX Card is issued by American Express. Therefore I believe the process would be just to apply for the AMEX card ontop of your current card. If you can spend a good amount on your AMEX each year then it may be worth getting the Qantas Ultimate which has higher points earning.
Tim Atkinson

Tim Atkinson

9 August 2018
When will the 75,000 qantas frequent flyers points become available to use?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    9 August 2018
    Hi Tim, the 75k Qantas points will be added to your points balance within 12 weeks once you meet the eligible spend criteria. I have seen it happen much quicker but this is the general terms provided by the Westpac. I had applied for a card with a different issuer which had the same time-frame. I had the points credited in around 3 weeks from meeting the spend requirement. I met the spend requirement within a few days of receiving the card to get the bonus points credited as soon as possible.
Crinel

Crinel

6 August 2018
How many additional card holders can I have on this card? How much is the additional card holder charge?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    7 August 2018
    Hi Crinel, you can have 1 additional cardholder at no extra cost. This is the maximum amount you can add to this American Express Westpac Altitude Platinum bundle.
ANNE

ANNE

5 August 2018
Can I close only one card and keep the other one when getting this Westpac Altitude Platinum Card Bundle?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    6 August 2018
    Hi Anne, the cards are separately issued. I am sure it is possible to do so. You would need to make sure in the least that you receive all the bonus points before doing so.

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