- Limited-time offers: Earn up to 100,000 bonus Altitude Rewards Points (75,000 points when you spend $3,000 within the first 90 days + 25,000 points when you keep your card for at least 12 months).
- Discounts: Reduced annual card fee of $99 for the first year ($175 thereafter)
- Earn points: Per $1, earn 2 Altitude points spent on overseas purchases, 1.25 Altitude points on everyday spend and all other eligible purchases earn 1 point per $1.
- Frequent Flyer options: You can redeem your points for flights with Cathay Pacific, Singapore Airlines, Air New Zealand and Virgin Australia.
- Travel perks: Complimentary international and domestic travel insurance, rental vehicle excess and overseas transit accident insurance.
- Extras: Add one free additional cardholder, and sync your card with Apple Pay, Google Pay and Samsung Pay.
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Westpac Credit Cards
Westpac Altitude Platinum Credit Card
Updated 19 September 2025
Fly higher 🪁 with up to 100,000 bonus Altitude Points over 12 months that you can redeem for travel, online products, cashback and more. You can earn 1 point per $1 and bonus points with partner brands and eligible flights.
You’ll also receive a bushel of money-saving travel insurances, car hire excess cover and a discounted annual fee for the first year, down to $99.
Points Earn Rate (per $1 spent)
1.25 points
capped at $5,000, 0.5 Altitude points per $1 on further eligible purchases
Rewards Program
Altitude Rewards
Bonus Points
Up to 100,000 pts
75k points when you spend $3,000 within the first 90 days + 25k points when you keep your card for at least 12 months
Pros and cons
- No complimentary lounge access
- Opting to earn Qantas Points costs an additional $75 per year
Creditcard.com.au review
Editor Review
Westpac Altitude Platinum Credit Card
Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Ask Pauline a Question about this card.
Overall rating
The big bonus points are impressive, especially considering this card has a nominal annual fee for a rewards card. It doesn’t earn frequent flyer points, but the Altitude Rewards program is flexible and gives you plenty of options for spending your points, or converting to miles if you want.
The bonus points per dollar are also neat, especially if you fly a lot, spend overseas and like ad-free music streaming. It puts a lot of emphasis on travel with an extensive range of insurances.
Editor’s Review: What I love about the Westpac Altitude Platinum credit card
The fun part of a rewards card is always the bonus points. You might have noticed Westpac has split the bonus offer up into 2 lots over 12+ months, but that’s becoming standard practice as banks try to keep customers longer.
Even if you decide not to keep the card after the first year, 75k is still a huge amount of bonus points to earn. Here’s how the current bonus offers look:
Bonus points: You can earn 75,000 Rewards Points in the first year if you apply , get approved, and spend $3000 on eligible purchases within 90 days of your card being approved, plus another 25,000 points after your first eligible purchase in the second year.
Annual fee discount: The first year, you’ll pay a $99 annual fee, and then $175 each year after that.
Points are added to your account within 12 weeks of meeting the spending criteria. Just note these bonuses aren’t available if you’ve held an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card in the previous 12 months.
Westpac says: “Eligible purchases do not include interest, fees, charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited to the card account”.
Earning and redeeming points
With the Westpac Altitude Platinum Credit Card, you’ll earn points on your eligible everyday purchases. The standard earn rate is 1.25 points per $1 spent on eligible transactions.
Points can be redeemed through the Altitude Rewards program for a wide range of options including gift cards, merchandise, frequent flyer points (via partner transfers), and more.
Note: Some transactions—such as flight bookings made through third-party providers—may not be eligible for points. Always check the full terms and conditions for details on eligible spend categories.
TravelRedeem points for flights, hotels and car hire |
MerchandiseShop for gift cards, technology, homewares and more |
CashbackTrade points for cashback or pay with points |
Insurance and card benefits
The Westpac Altitude Platinum has a decent range of retail and travel insurances, plus other helpful extras. Remember all insurances have specific terms and eligibility criteria, so read the PDS carefully.
International travel insurance. You can use up to 3 months’ cover for international travel when you meet the eligibility criteria for your trip. Eligibility includes prepaying $500 of your travel costs to your eligible card and holding a return overseas ticket before leaving Australia (check the insurance terms for the full criteria).
Overseas transit accident insurance. This insurance covers against specific circumstances of accidental death or injury overseas while riding, boarding or alighting as a passenger in a plane, bus, train or shorthaul ferry. You must have purchased the trip’s fare on your card to be eligible.
Domestic travel insurance. This card comes with Interstate Flight Inconvenience insurance, which covers against specific instances of flight cancellation, flight delay, luggage delay and funeral expenses when you charge the entire cost of the return interstate flight to your eligible credit card.
Rental vehicle excess insurance in Australia. If your hire car is lost or damaged, you could be covered for the excess amount specified in your rental agreement of $5500, whichever is lesser.
Retail insurance. Where eligible, you’ll be covered for up to 24 months of extended warranty insurance and purchase protection for up to 4 months.
Additional cardholders. You can add 1 additional cardholder over the age of 16 at no cost. Extra cardholders can be requested through your Westpac online account.
Instalment plans. Westpac’s PartPay feature works like Buy now pay later, where purchases over $100 can be split into 4 payments over 6 weeks. Westpac also has SmartPlan, which lets you nominate a purchase or your balance and repay it over 3, 6 or 12 months. An establishment fee applies to SmartPlan.
What’s not so great?
The interest rate is 20.99% p.a., which can quickly erode the value of your points if you’re paying interest each month. If possible, aim to pay off the card in full every statement period.
You can transfer Altitude Rewards points to partner airlines including Cathay Pacific, Singapore Airlines, Air New Zealand and Virgin Australia’s Velocity. But, Westpac specifies that Qantas Points are a no-go unless you pay an additional $75 per year frequent flyer opt-in fee.
Who suits the Westpac Altitude Platinum card?
Westpac’s Altitude Rewards program has loads of flexibility in its redemption options, which can be helpful if you want to use points for more than flights. It could make for a good entry-level rewards card since it has a lower annual fee than others.
It also suits people looking for complimentary international travel insurances with coverage for Australian trips and car hire, too.
User reviews
Rates and fees
Interest rates
Purchase rate 20.99% p.a.
Cash advance rate 21.99% p.a.
Interest free period on purchases up to 45 days
Credit limits
Minimum credit limit $3,000
Maximum credit limit $50,000
Fees & repayments
Annual fee $175 p.a.
Additional cardholder fee $0 p.a.
Foreign transaction fee 3%
Minimum repayment 2% or $10 whichever is greater (personal); 3% or $10 whichever is greater (business); $40 (Westpac Flex)
Annual fee the first year $99
Cash advance fee 3%
Late payment fee $15
Rewards and points
Rewards program
Rewards Program
Altitude Rewards
Bonus points Up to 100,000 points
Annual points cap uncapped
Bonus points spend criteria 75k points when you spend $3,000 within the first 90 days + 25k points when you keep your card for at least 12 months
Earning points with this card
Altitude Rewards points 1.25 points per $1 spent
Points cap per month capped at $5,000, 0.5 Altitude points per $1 on further eligible purchases
Overseas earn rate 2 points per $1 spent
Additional features
Complimentary insurance
International Travel Insurance Yes - up to 3 months
Flight Inconvenience Insurance Yes
Transit Accident Insurance Yes
Smartphone Screen Insurance No
Purchase Protection Insurance Yes
Extended Warranty Insurance Yes
Rental Vehicle Excess In Australia Insurance Yes
Extras
Travel insurance underwritten by Allianz Australia Insurance Limited
Overview
Westpac Altitude Platinum Credit Card
Disclaimer: The interest-free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest-free period for purchases, to be entitled to that interest-free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
Key features
- Receive up to 100,000 bonus Altitude Rewards Points - 75,000 pts when you spend $3,000 within first 90 days + 25,000 pts when you keep your account for at least 12 months.
- Discounted annual card fee of $99 for the first year ($175 thereafter) or waived the first year if you're an existing Westpac customer
- Redeem points for flights with Singapore, Qantas, Jetstar, and Virgin (participating airlines are subject to change.)
- One additional card holder at no extra cost
- Earn 2 Altitude points per $1 spent on overseas spending (including overseas purchases made from Australia).
- Earn 1.25 Altitude points on everyday spending and 1 Altitude point per $1 spent on all other eligible purchases
- Choose your rewards program: Altitude Rewards or Altitude Qantas
- Altitude Points do not expire
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 $30,000 p.a.
You have your personal details ready to complete the online application
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger
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