Ask Roland a Question

Hi, I’m the site founder and I will personally answer your question within a business day.

By submitting this question you agree to our privacy policy.

Westpac Altitude Platinum credit card

14 reviews

Apply by 2 April 2019

points over 12 months Calculate your savings icon

Earn rate per $1

1 point
16.77% Complete (success)
Altitude Rewards

Bonus points

60,000 points
60,000% Complete (success)

Annual fee

$0 first year
0% Complete (success)
then $150

Pros

$0 annual card fee in the first year - save $150

60,000 bonus Altitude points when you spend $3,000 in the first 90 days of card approval.

Redeem points for flights with Virgin, Singapore, Cathay Pacific, Malaysia & Air NZ

Cons

No lounge access

Westpac Altitude Platinum credit card

Receive 60,000 Bonus Altitude points on a new Westpac Altitude Platinum credit card when you spend $3,000 on eligible purchases within 90 days of card approval. $0 annual card fee in the first year – saving you $150. Earn 1 Altitude point per $1 spent on eligible purchases. Comes with complimentary overseas travel insurance cover for trips up to 3 months and a 24/7 Concierge Service. Offer ends 2 April 2019. If you want to earn Qantas points, see the Westpac Altitude Platinum Credit Card – Qantas.

Key features

  • 60,000 bonus Altitude points when you spend $3,000 in the first 90 days of card approval. New cards only.
  • $0 annual card fee in the first year - save $150
  • Redeem points for flights with Virgin, Singapore, Cathay Pacific, Malaysia & Air NZ
  • Platinum concierge service
  • Complimentary overseas travel insurance for trips up to 3 months
  • Earn 1 Altitude point per $1 spent on eligible purchases
  • Altitude Points do not expire
  • One additional card holder at no extra cost
  • Want to earn Altitude Qantas points?
  • Rates
    65%
  • Fees
    66%
  • Rewards
    71%
  • Customer Service
    68%
  • Value
    68%
86% of customers who have rated this card would recommend it
Overall customer rating 68%
14 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
Credit limits
Minimum credit limit $6,000
Maximum credit limit $50,000
Fees & repayments
Annual fee $150 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 Mastercard
Rewards program
Rewards program Altitude Rewards Altitude Rewards
Bonus points 60,000 Altitude points
Annual points cap uncapped
Bonus points spend criteria Spend $3,000 in first 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 3 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 personal concierge service

The Westpac Altitude Platinum Credit Card

If you apply by 2 April 2019, you will pay $0 annual fee for the first year (save $150), plus you can also benefit from 60,000 bonus Altitude points when you spend $3,000 within 90 days of card approval.

What we love…

One of the great things about the Westpac Altitude Platinum Credit Card is its flexibility and that as a cardholder, you can choose to earn points on the Altitude program, or you can opt in to the Qantas program for an additional fee of $50. Regardless which program you choose, you can take advantage of 60,000 bonus points to get you started on your points-earning journey. In this review we will be taking a look at the Altitude Rewards. If you are want to earn Qantas points instead, please have a look at Westpac Altitude Platinum Credit Card – Qantas.

To get your hands on those bonus points is apply and be approved by 2 April 2019, and then spend $3,000 on eligible purchases within 90 days of card approval. After you have reached that spend, the bonus 60,000 Altitude points will be credited to your account within 12 weeks.

Altitude

So, should you choose Altitude or should you opt for Qantas? Let’s look at the Altitude program. If you opt in to Altitude, you can earn 1 Altitude point for every $1 you spend on eligible purchases. The points you earn can be redeemed within the Altitude Store for a wide range of gift cards, travel and products, such as tech, homewares and fashion.

Within the Altitude Store, you could redeem your 60,000 Altitude points for $200 cashback (using 56,400 points), or you could opt for a gift card, redeeming 59,350 Altitude Points for a $250 Westfield Red Card.

If you’re a Velocity Rewards member, you may choose to convert your Altitude points to Velocity Points, either in a one-off transfer or by auto-redemption at a rate of 1 Velocity Point for every 2 Altitude Points. Within the Velocity program, your 60,000 bonus Altitude points would convert to 30,000 Velocity points, allowing you to fly from Sydney to Singapore, or from Melbourne to Hong Kong (redeeming 27,800 Velocity points).

What’s not so great…

As most rewards card, the interest charge is not low and the Westpac Altitude Platinum Credit Card is no exception. With both the purchase rate and cash advance rate being relatively high, it’s best to avoid cash advances and to clear your balance month-to-month.

Why should you choose this card?

If you’re looking for a flexible rewards card with some nice extras on the side, the Westpac Altitude Platinum Credit Card could be well worth looking into. As a cardholder, you will pay $0 annual fee for the first year, and then an affordable annual fee (for a platinum rewards card, at least) in the years that follow.

You also have the opportunity to earn points faster, by adding one additional cardholder at no extra cost. As for features, cardholders can benefit from a 24/7 personal concierge service, and a range of complimentary insurance covers, including cover for overseas travel, extended warranty, purchase security and transit accidents, as set out in the policy.

Overall Rating

The Westpac Altitude Platinum Credit Card is a flexible rewards card with platinum perks, $0 annual fee for the first year, and 60,000 bonus Altitude points on offer.

46 questions (showing the latest 10 Q&As)

Joanna

Joanna

5 July 2018
On the Westpac website, it says a $50 fee applies for customers who choose to earn Qantas Points through the Altitude Qantas rewards program. I already have a Qantas membership - would I need to pay this fee?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    6 July 2018
    Hi Joanna, yes this is a fee above and beyond your Qantas membership. Applies for customers who choose to earn Qantas Points through the Altitude Qantas rewards program.
Kirsty Wells

Kirsty Wells

23 May 2018
To whom it may concern,I'm wondering which credit card I would be best off applying for, in order to buy a second-hand/used car, since I've been unsuccessful for a personal loan?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    24 May 2018
    Hi Kirsty, if you have been unsuccessful for a car loan then it may be difficult to get approved for a credit card. Car loans or secured personal loans are on of the easiest forms of credit to be approved for. If you applied for a non-secure personal loan this is harder. I would suggest that you contact a specialist car loan lender like www.carloanworld.com.au. See what they can do to assist.
Mark

Mark

21 April 2018
what is the conversion for altitude points to singapore airline points
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    23 April 2018
    Hi Mark, I believe it is 0.4 Krisflyer per Altitude point.
Brian Johnston

Brian Johnston

19 April 2018
What are the overseas transaction fees
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    20 April 2018
    Hi Brian, the foreign transaction fee on this card is 3%. This means that you would be charged this on any purchases you make overseas. If you are travelling for an extended period of time or planning to spend a decent amount of money. It can make sense to get a credit card with no foreign fees e.g. ANZ Rewards Travel Adventure.
Doris

Doris

11 April 2018
I wanted to apply for the Amex Westpac Altitude & I had a code no. I thought it was before 15th April but now I see it is March What do I do.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    12 April 2018
    Hi Doris, I would reach out to Westpac credit card customer service. You should still be able to get the offer.
Tony

Tony

8 March 2018
The new amex card will have an annual fee of $199.00 pa ,what will the existing altitude card fee now be? Currently for both cards ,it is $200.00 p.a. The new amex card alone is only $1.00 less ????
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    9 March 2018
    Hi Tony, I annual fee of the Platinum card should $150. I believe the new AMEX card has an annual fee of $199. In the end this is a completely new card and is basically separate now, issued through AMEX. If you like earning Qantas or Velocity points, AMEX has 2 no annual fee cards for life with 1 point per $1 spend uncapped. These could be another options to replace the AMEX with no fee - Qantas Discovery and the Velocity Escape.
  • Be over 18 years old
  • Good credit and 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
Westpac Altitude Platinum credit card
Westpac Altitude Platinum credit card

Westpac Credit Cards

Westpac Altitude Platinum credit card

14 March 2019

Apply by 2 April 2019

Points Earn Rate (per $1 spent)

1

point

Altitude

Rewards Program

Altitude Rewards

Bonus Points

60,000 pts

Spend $3,000 in first 90 days

0 points over 12 months spend

My monthly card spend

Westpac Altitude Platinum credit card

Receive 60,000 Bonus Altitude points on a new Westpac Altitude Platinum credit card when you spend $3,000 on eligible purchases within 90 days of card approval. $0 annual card fee in the first year – saving you $150. Earn 1 Altitude point per $1 spent on eligible purchases. Comes with complimentary overseas travel insurance cover for trips up to 3 months and a 24/7 Concierge Service. Offer ends 2 April 2019. If you want to earn Qantas points, see the Westpac Altitude Platinum Credit Card – Qantas.

Key features

  • 60,000 bonus Altitude points when you spend $3,000 in the first 90 days of card approval. New cards only.
  • $0 annual card fee in the first year - save $150
  • Redeem points for flights with Virgin, Singapore, Cathay Pacific, Malaysia & Air NZ
  • Platinum concierge service
  • Complimentary overseas travel insurance for trips up to 3 months
  • Earn 1 Altitude point per $1 spent on eligible purchases
  • Altitude Points do not expire
  • One additional card holder at no extra cost
  • Want to earn Altitude Qantas points?

Customer Reviews

Westpac Altitude Platinum credit card

68% rating based on 14 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

Credit limits

Minimum credit limt $6,000

Maximum credit limit $50,000

Fees & repayments

Annual fee $150 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 60,000 Altitude points

Annual points cap uncapped

Bonus points spend criteria Spend $3,000 in 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 same as standard earn rate

Additional features

Complimentary insurance

Overseas travel insurance yes - up to 3 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 personal concierge service

Our Review

Editor Review

The Westpac Altitude Platinum Credit Card

If you apply by 2 April 2019, you will pay $0 annual fee for the first year (save $150), plus you can also benefit from 60,000 bonus Altitude points when you spend $3,000 within 90 days of card approval.

What we love…

One of the great things about the Westpac Altitude Platinum Credit Card is its flexibility and that as a cardholder, you can choose to earn points on the Altitude program, or you can opt in to the Qantas program for an additional fee of $50. Regardless which program you choose, you can take advantage of 60,000 bonus points to get you started on your points-earning journey. In this review we will be taking a look at the Altitude Rewards. If you are want to earn Qantas points instead, please have a look at Westpac Altitude Platinum Credit Card – Qantas.

To get your hands on those bonus points is apply and be approved by 2 April 2019, and then spend $3,000 on eligible purchases within 90 days of card approval. After you have reached that spend, the bonus 60,000 Altitude points will be credited to your account within 12 weeks.

Altitude

So, should you choose Altitude or should you opt for Qantas? Let’s look at the Altitude program. If you opt in to Altitude, you can earn 1 Altitude point for every $1 you spend on eligible purchases. The points you earn can be redeemed within the Altitude Store for a wide range of gift cards, travel and products, such as tech, homewares and fashion.

Within the Altitude Store, you could redeem your 60,000 Altitude points for $200 cashback (using 56,400 points), or you could opt for a gift card, redeeming 59,350 Altitude Points for a $250 Westfield Red Card.

If you’re a Velocity Rewards member, you may choose to convert your Altitude points to Velocity Points, either in a one-off transfer or by auto-redemption at a rate of 1 Velocity Point for every 2 Altitude Points. Within the Velocity program, your 60,000 bonus Altitude points would convert to 30,000 Velocity points, allowing you to fly from Sydney to Singapore, or from Melbourne to Hong Kong (redeeming 27,800 Velocity points).

What’s not so great…

As most rewards card, the interest charge is not low and the Westpac Altitude Platinum Credit Card is no exception. With both the purchase rate and cash advance rate being relatively high, it’s best to avoid cash advances and to clear your balance month-to-month.

Why should you choose this card?

If you’re looking for a flexible rewards card with some nice extras on the side, the Westpac Altitude Platinum Credit Card could be well worth looking into. As a cardholder, you will pay $0 annual fee for the first year, and then an affordable annual fee (for a platinum rewards card, at least) in the years that follow.

You also have the opportunity to earn points faster, by adding one additional cardholder at no extra cost. As for features, cardholders can benefit from a 24/7 personal concierge service, and a range of complimentary insurance covers, including cover for overseas travel, extended warranty, purchase security and transit accidents, as set out in the policy.

Overall Rating

The Westpac Altitude Platinum Credit Card is a flexible rewards card with platinum perks, $0 annual fee for the first year, and 60,000 bonus Altitude points on offer.

Pros

  • $0 annual card fee in the first year - save $150
  • 60,000 bonus Altitude points when you spend $3,000 in the first 90 days of card approval.
  • Redeem points for flights with Virgin, Singapore, Cathay Pacific, Malaysia & Air NZ

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.

Recently Asked Question

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

46 questions (showing the latest 10 Q&As)

Joanna

Joanna

5 July 2018
On the Westpac website, it says a $50 fee applies for customers who choose to earn Qantas Points through the Altitude Qantas rewards program. I already have a Qantas membership - would I need to pay this fee?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    6 July 2018
    Hi Joanna, yes this is a fee above and beyond your Qantas membership. Applies for customers who choose to earn Qantas Points through the Altitude Qantas rewards program.
Kirsty Wells

Kirsty Wells

23 May 2018
To whom it may concern,I'm wondering which credit card I would be best off applying for, in order to buy a second-hand/used car, since I've been unsuccessful for a personal loan?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    24 May 2018
    Hi Kirsty, if you have been unsuccessful for a car loan then it may be difficult to get approved for a credit card. Car loans or secured personal loans are on of the easiest forms of credit to be approved for. If you applied for a non-secure personal loan this is harder. I would suggest that you contact a specialist car loan lender like www.carloanworld.com.au. See what they can do to assist.
Mark

Mark

21 April 2018
what is the conversion for altitude points to singapore airline points
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    23 April 2018
    Hi Mark, I believe it is 0.4 Krisflyer per Altitude point.
Brian Johnston

Brian Johnston

19 April 2018
What are the overseas transaction fees
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    20 April 2018
    Hi Brian, the foreign transaction fee on this card is 3%. This means that you would be charged this on any purchases you make overseas. If you are travelling for an extended period of time or planning to spend a decent amount of money. It can make sense to get a credit card with no foreign fees e.g. ANZ Rewards Travel Adventure.
Doris

Doris

11 April 2018
I wanted to apply for the Amex Westpac Altitude & I had a code no. I thought it was before 15th April but now I see it is March What do I do.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    12 April 2018
    Hi Doris, I would reach out to Westpac credit card customer service. You should still be able to get the offer.
Tony

Tony

8 March 2018
The new amex card will have an annual fee of $199.00 pa ,what will the existing altitude card fee now be? Currently for both cards ,it is $200.00 p.a. The new amex card alone is only $1.00 less ????
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    9 March 2018
    Hi Tony, I annual fee of the Platinum card should $150. I believe the new AMEX card has an annual fee of $199. In the end this is a completely new card and is basically separate now, issued through AMEX. If you like earning Qantas or Velocity points, AMEX has 2 no annual fee cards for life with 1 point per $1 spend uncapped. These could be another options to replace the AMEX with no fee - Qantas Discovery and the Velocity Escape.

Similar Credit Cards

31 reviews

Apply by 30 Apr 19

More info
points earned over 12 months
1 point
16.77% Complete (success)
Velocity Frequent Flyer
90,000
points
16.77% Complete (success)
Velocity Frequent Flyer
$289
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

6 reviews
More info
points earned over 12 months
0.5 points
16.77% Complete (success)
Qantas Frequent Flyer
25,000
points
16.77% Complete (success)
Qantas Frequent Flyer
$95
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

4 reviews
More info
points earned over 12 months
0.75 points
16.77% Complete (success)
Qantas Frequent Flyer
75,000
points
16.77% Complete (success)
Qantas Frequent Flyer
$295
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon
Help us improve

By submitting this feedback you agree to our privacy policy.

My credit card is not listed

By submitting this form you agree to our privacy policy.