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Westpac Altitude Business Platinum credit card

2 reviews

Apply by 31 May 2019

points over 12 months Calculate your savings icon

Earn rate per $1

1 point
16.77% Complete (success)
Altitude Rewards

Bonus points

80,000 points
80,000% Complete (success)

Annual fee

$0 first year
0% Complete (success)
then $200

Pros

Earn 80,000 bonus Altitude Points when you spend $3,000 on eligible purchases within 90 days from card approval

Save $200 on the annual fee in the first year

You can earn 2 points per $1 on overseas purchases

Cons

No lounge access

Westpac Altitude Business Platinum credit card

With the Westpac Altitude Business Platinum you can take advantage of 80,000 bonus Altitude Points when you spend $3,000 on eligible purchases on your new Altitude Business Platinum card within 90 days from card approval. The $200 annual fee is waived in the first year. On top of that, you can earn up to 2 Altitude points per $1 spent with the exception on government purchases which you earn 0.5 Altitude points per $1. Offer ends 31 May 2019.

Key features

  • Earn 80,000 bonus Altitude Points when you spend $3,000 on eligible purchases on your new Altitude Business Platinum card within 90 days from card approval
  • No annual fee first year, $200 p.a. thereafter
  • 4.99% p.a. for 12 months on balance transfers
  • Complimentary Platinum insurance covers for purchases, business and travel
  • Earn 1 Altitude Point with any Australian merchants
  • Earn 2 Altitude Points with any Overseas merchants
  • Earn 0.5 Altitude Points on government payments
  • No cap on points earning whatsoever.
  • Rates
    98%
  • Fees
    93%
  • Rewards
    88%
  • Customer Service
    100%
  • Value
    95%
100% of customers who have rated this card would recommend it
Overall customer rating 95%
2 reviews
Interest Rates
Purchase rate 20.24% p.a.
Cash advance rate 20.74% p.a.
Interest free on purchases up to 45 days
Balance Transfer
Balance transfer rate 4.99% p.a. for 12 months
Balance transfer fee No fee
Balance Transfer revert rate 20.24% p.a.
Balance transfer limit 80% of your approved new credit limit
Balance transfer from personal loan No
Banks you can't balance transfer from Westpac
Credit limits
Minimum credit limit $20,000
Maximum credit limit $150,000
Fees & repayments
Annual fee $200 p.a.
Annual fee first year $0
Additional cardholder fee $0 p.a.
Cash advance fee 2%
Foreign transaction fee 3%
Minimum repayment 2%
Late payment fee $15
Credit card type Visa
Rewards program
Rewards program Altitude Rewards Altitude Rewards
Bonus points 80,000 Altitude points
Annual points cap uncapped
Bonus points spend criteria Spend $3,000 within first 90 days
Earning points with this card
Altitude points 1 point per $1 spent
Overseas earn rate 2 points per $1 spent
Points cap per month N/A
Complimentary insurance
Overseas travel insurance yes - up to 6 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
Unauthorised transaction insurance
Business inconvenience insurance

The Westpac Altitude Business Platinum Credit Card

Looking for a platinum business card that really packs a punch? If you’ve spent time comparing business credit card options, you’ll know that not all are created equal. As a guide, you’ll usually find platinum options tend to offer more in features and extras, but also tend to charge more in annual fees as well.

Weighing up pretty nicely on the outlay vs. return scale, the Westpac Altitude Business Platinum Credit Card provides an excellent set of features, a great rewards program, plus some very appealing introductory offers, all with an annual fee that you may indeed find reasonable.

What we love...

First on the agenda are the three introductory offers. Designed to save you money on your everyday spending, the Westpac Altitude Business Platinum Credit Card is currently offering 80,000 bonus Altitude Points when you spend $3,000 on eligible purchases on your new card within 90 days from card approval – and as another money-saver, the card also has $0 annual fee for the first year.

The third introductory offer is for cardholders who have existing credit card debt that they want to pay off. With this balance transfer offer, you can benefit from a rate of 4.99% p.a. for 12 months on balance transfers requested at card application.

Now, on to those amazing features we talked about. As the name suggests, the Westpac Altitude Business Platinum Credit Card is a rewards card that earns points on the Altitude program.

In terms of the earn rate, cardholders can earn uncapped points, with 2 points per $1 spent with overseas merchants, and 1 point per $1 spent within Australia. Government payments attract 0.5 points per $1 spent.

You could choose to redeem your points for travel, flights, merchandise and gift vouchers within the Altitude program, or alternatively, redeem them for frequent flyer points within Qantas Frequent Flyer, Virgin Australia's Velocity, Malaysia Airline's Enrich, Air New Zealand Airpoints, Singapore Airlines KrisFlyer or Cathay Pacific AsiaMiles.

What’s not so great...

It’s worth noting that this card has an ample annual fee and a relatively high rate of interest on cash advances and purchases. If you choose to take advantage of the balance transfer offer, keep in mind that there are other options out there offering lower rates of interest, which could allow you to save more money in the long run.

Why should you choose this card?

Want more? Don’t worry, this card has even more features to tempt you. As a cardholder, you can benefit from the services of a platinum concierge, as well as one additional cardholder at no extra cost, up to 45 days interest free on purchases, and easy tax reporting and analysis of your business transactions.

There is also an array of complimentary insurances on offer, which include overseas travel insurance and transit accident insurance, purchase security insurance, extended warranty insurance and guaranteed pricing scheme cover, and unauthorised transaction insurance and business inconvenience insurance.

Overall Rating

A platinum rewards business card that is jam-packed with features, currently offering 80,000 bonus Altitude Points, $0 annual fee for the first year, and 4.99% p.a. on balance transfers for 12 months.

(showing the latest 10 Q&As)

  • Be over 18 years old
  • Good credit and not applied for multiple credit cards recently
  • Australian permanent resident
  • Minimum income of $30,000 p.a.
  • You have your personal details ready to complete the online application
Westpac Altitude Business Platinum credit card
Westpac Altitude Business Platinum credit card

Westpac Credit Cards

Westpac Altitude Business Platinum credit card

4 March 2019

Apply by 31 May 2019

Points Earn Rate (per $1 spent)

1

point

Altitude

Rewards Program

Altitude Rewards

Bonus Points

80,000 pts

Spend $3,000 within first 90 days

0 points over 12 months spend

My monthly card spend

Westpac Altitude Business Platinum credit card

With the Westpac Altitude Business Platinum you can take advantage of 80,000 bonus Altitude Points when you spend $3,000 on eligible purchases on your new Altitude Business Platinum card within 90 days from card approval. The $200 annual fee is waived in the first year. On top of that, you can earn up to 2 Altitude points per $1 spent with the exception on government purchases which you earn 0.5 Altitude points per $1. Offer ends 31 May 2019.

Key features

  • Earn 80,000 bonus Altitude Points when you spend $3,000 on eligible purchases on your new Altitude Business Platinum card within 90 days from card approval
  • No annual fee first year, $200 p.a. thereafter
  • 4.99% p.a. for 12 months on balance transfers
  • Complimentary Platinum insurance covers for purchases, business and travel
  • Earn 1 Altitude Point with any Australian merchants
  • Earn 2 Altitude Points with any Overseas merchants
  • Earn 0.5 Altitude Points on government payments
  • No cap on points earning whatsoever.

Customer Reviews

Westpac Altitude Business Platinum credit card

95% rating based on 2 reviews

Rates
Fees
Rewards
Customer Service
Value

Rates & Fees

Interest rates

Purchase rate 20.24% p.a.

Cash advance rate 20.74% p.a.

Interest free on purchases up to 45 days

Balance transfer

Balance transfer rate 4.99% p.a. for 12 months

Balance transfer revert rate 20.24% p.a.

Balance transfer from personal loan No

Balance transfer fee No fee.

Balance transfer limit 80% of approved credit limit

Banks you can't balance transfer from Westpac

Credit limits

Minimum credit limt $20,000

Maximum credit limit $150,000

Fees & repayments

Annual fee $200 p.a.

Additional card holder fee $0 p.a.

Foreign transaction fee 3%

Minimum repayment 2%

Annual fee the first year $0

Cash advance fee 2%

Late payment fee $15

Rewards & points

Rewards program

Rewards Program Altitude Rewards Altitude Rewards

Bonus points 80,000 Altitude points

Annual points cap uncapped

Bonus points spend criteria Spend $3,000 within first 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 2 points per $1 spent

Additional features

Complimentary insurance

Overseas travel insurance yes - up to 6 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

Unauthorised transaction insurance

Business inconvenience insurance

Our Review

Editor Review

The Westpac Altitude Business Platinum Credit Card

Looking for a platinum business card that really packs a punch? If you’ve spent time comparing business credit card options, you’ll know that not all are created equal. As a guide, you’ll usually find platinum options tend to offer more in features and extras, but also tend to charge more in annual fees as well.

Weighing up pretty nicely on the outlay vs. return scale, the Westpac Altitude Business Platinum Credit Card provides an excellent set of features, a great rewards program, plus some very appealing introductory offers, all with an annual fee that you may indeed find reasonable.

What we love...

First on the agenda are the three introductory offers. Designed to save you money on your everyday spending, the Westpac Altitude Business Platinum Credit Card is currently offering 80,000 bonus Altitude Points when you spend $3,000 on eligible purchases on your new card within 90 days from card approval – and as another money-saver, the card also has $0 annual fee for the first year.

The third introductory offer is for cardholders who have existing credit card debt that they want to pay off. With this balance transfer offer, you can benefit from a rate of 4.99% p.a. for 12 months on balance transfers requested at card application.

Now, on to those amazing features we talked about. As the name suggests, the Westpac Altitude Business Platinum Credit Card is a rewards card that earns points on the Altitude program.

In terms of the earn rate, cardholders can earn uncapped points, with 2 points per $1 spent with overseas merchants, and 1 point per $1 spent within Australia. Government payments attract 0.5 points per $1 spent.

You could choose to redeem your points for travel, flights, merchandise and gift vouchers within the Altitude program, or alternatively, redeem them for frequent flyer points within Qantas Frequent Flyer, Virgin Australia's Velocity, Malaysia Airline's Enrich, Air New Zealand Airpoints, Singapore Airlines KrisFlyer or Cathay Pacific AsiaMiles.

What’s not so great...

It’s worth noting that this card has an ample annual fee and a relatively high rate of interest on cash advances and purchases. If you choose to take advantage of the balance transfer offer, keep in mind that there are other options out there offering lower rates of interest, which could allow you to save more money in the long run.

Why should you choose this card?

Want more? Don’t worry, this card has even more features to tempt you. As a cardholder, you can benefit from the services of a platinum concierge, as well as one additional cardholder at no extra cost, up to 45 days interest free on purchases, and easy tax reporting and analysis of your business transactions.

There is also an array of complimentary insurances on offer, which include overseas travel insurance and transit accident insurance, purchase security insurance, extended warranty insurance and guaranteed pricing scheme cover, and unauthorised transaction insurance and business inconvenience insurance.

Overall Rating

A platinum rewards business card that is jam-packed with features, currently offering 80,000 bonus Altitude Points, $0 annual fee for the first year, and 4.99% p.a. on balance transfers for 12 months.

Pros

  • Earn 80,000 bonus Altitude Points when you spend $3,000 on eligible purchases within 90 days from card approval
  • Save $200 on the annual fee in the first year
  • You can earn 2 points per $1 on overseas purchases

Cons

  • No lounge access
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.

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(showing the latest 10 Q&As)

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