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up to 120,000 90,000 pts when you spend $3,000 within first 90 days + 30,000 pts when you keep your account for at least 12 months
Westpac Altitude Platinum Credit Card
Westpac Altitude Platinum Credit Card

Westpac Credit Cards

Westpac Altitude Platinum Credit Card

Updated 2 November 2023

Get up to 120,000 bonus Altitude points on a new Westpac Altitude Platinum credit card when you apply by 30 April 2024 - 90,000 Altitude points when spend $3,000 on eligible purchases within 90 days of card approval PLUS 30,000 Altitude points if you continue using your card for at least 12 months. Plus, pay a discounted annual card fee of $49 for the first year ($175 thereafter). Earn more Altitude Rewards Points points at a higher rate at select partners with no rewards fee and get complimentary retail and travel insurances. T&Cs apply.

Points Earn Rate (per $1 spent)

1 point

Altitude

Rewards Program

Altitude Rewards

Bonus Points

up to 120,000 pts

90,000 pts when you spend $3,000 within first 90 days + 30,000 pts when you keep your account for at least 12 months

Pros and cons

  • Receive up to 120,000 bonus Altitude Rewards Points - 90,000 pts when you spend $3,000 within first 90 day + 30,000 pts when you keep your account for at least 12 months
  • Discounted annual card fee of $49 for the first year ($175 thereafter)
  • Redeem points for flights with Singapore, Qantas, Jetstar, and Virgin (participating airlines are subject to change)
  • Earn 3 Altitude points per $1 spent on flights purchased in Australia directly with Qantas and Jetstar. Applies to the first $10,000 spent on flights/calendar month, then 1 point per $1 spent afterwards
  • Earn 2 Altitude points per $1 spent on Overseas Spend (including overseas purchases made from Australia), and with Spotify Premium, Uber, Uber Eats and Airbnb
  • Complimentary International and Domestic Travel Insurance (including COVID-19 coverage effective 30 June 2022, T&Cs apply)
  • Earn 1 Altitude point per $1 spent on eligible purchases
  • Altitude Points do not expire
  • One additional card holder at no extra cost
  • Choose your rewards program: Altitude Rewards or Altitude Qantas

  • No lounge access

Creditcard.com.au review

Editor Review

Westpac Altitude Platinum Credit Card

Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. about this card.

The Westpac Altitude Platinum Credit Card

Offering you the choice of two rewards programs, the Westpac Altitude Platinum Credit Card is a flexible credit card with an excellent range of platinum perks. Apply today and you’ll pay a discounted annual fee for the first year of $49, and benefit from up to 120,000 bonus Altitude Rewards Points - 90,000 pts when you spend $3,000 within first 90 days PLUS 30,000 pts when you keep your account for at least 12 months

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 $75. Regardless which program you choose, you can take advantage of up to 120,000 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 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, all you need to do is apply and be approved by 30 April 2024, and then spend $3,000 on eligible purchases within 90 days of card approval (90,000 pts) and keep your account open for at least 12 months (30,000 pts). After you have reached that spend, the bonus 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.

Altitude Points earn rate on eligible purchases, uncapped:

  • Earn 3 Altitude points per dollar spent up to $10,000 per calendar month on flights purchased in Australia directly with Qantas and Jetstar, then 1 point per $1 spent thereafter.
  • Earn 2 Altitude Points per dollar spent on overseas spend and with Spotify Premium, Uber, Uber Eats and AirBnb.
  • Earn 1 Altitude Point per dollar spent on all other everyday eligible purchases.

Within the Altitude Store, you could redeem 100,000 Altitude points for $250 cashback (using 70,500 points), or you could opt for a gift card, redeeming 79,900 Altitude Points for a $340 Woolworths Supermarket e-Gift card. Point calculations are accurate but may be subject to change without notice.

Westpac Altitude Platinum Credit Card is full packed with attractive offers. Aside from the bonus points offered, you will also enjoy all the card benefits and features with a discounted annual fee for a year. Pay $49 for the first year and save $126 ($175 ongoing annual fee). Both offers are available until 30 April 2024.

What’s not so great…

As with most rewards cards, 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 an affordable ongoing annual fee (for a platinum rewards card, at least) of $175 p.a.

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 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 and up to 120,000 bonus Altitude points on offer. Plus discounted annual card fee of $49 for the first year

User reviews

Westpac Altitude Platinum Credit Card ( based on 14 Creditcard.com.au user reviews )

68% rating based on 14 reviews

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates



Purchase rate 19.99% p.a.

Cash advance rate 21.49% p.a.

Interest free period on purchases up to 45 days

Credit limits

Minimum credit limit $6,000

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 $49

Cash advance fee 3%

Late payment fee $15

Rewards and points

Rewards program

Rewards Program Altitude Rewards Altitude Rewards

Bonus points up to 120,000 points

Annual points cap uncapped

Bonus points spend criteria 90,000 pts when you spend $3,000 within first 90 days + 30,000 pts when you keep your account for at least 12 months

Earning points with this card

Altitude Rewards points 1 point per $1 spent

Points cap per month N/A

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

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.

Key features

  • Receive up to 120,000 bonus Altitude Rewards Points - 90,000 pts when you spend $3,000 within first 90 days + 30,000 pts when you keep your account for at least 12 months
  • Discounted annual card fee of $49 for the first year ($175 thereafter)
  • 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 3 Altitude points per $1 spent on flights purchased in Australia directly with Qantas and Jetstar. Applies to the first $10,000 spent on flights/calendar month, then 1 point per $1 spent afterwards.
  • Earn 2 Altitude points per $1 spent on Overseas Spend (including overseas purchases made from Australia), and with Spotify Premium, Uber, Uber Eats and Airbnb.
  • Earn 1 Altitude point per $1 spent on 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

Pauline is a personal finance expert at CreditCard.com.au, with 8 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

Recently Asked Questions

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

78 questions (showing the latest 10 Q&As)

raewtiger@hotmail.com

[email protected]

16 July 2023
Westpac Altitude Platinum Credit Card Does complementary travel insurance cover for: 1) Covid 2) Card holders spouse and does it include: 3) Additional card for Spouse
Chur

Chur

25 May 2023
Can I pay rent on this card ?
    Pauline - CreditCard.com.au

    Pauline

    26 May 2023
    Hi Chur, technically, paying rent with your credit card is possible, but it ultimately depends on the payment preferences of your managing agent or landlord. It's important to note that there might be a transaction processing fee associated with it too. We have an article that explains how you can pay your rent using your credit card, which may be helpful to you.
Ursula

Ursula

18 May 2023
Hi Pauline We are travelling to Thailand in July and have at this stage booked a oneway departure flight since we were using miles. We are about to book a return flight using a Westpac credit card. Are we eligible for the complimentary travel insurance since we are going to use the credit card for the return flight only? Thanks
    Pauline - CreditCard.com.au

    Pauline

    19 May 2023
    Hi Ursula, I checked this for you, and according to Westpac's official insurance PDS, in order to qualify for the international travel insurance coverage, the following criteria must be met: -At least $500 of your prepaid travel costs should be charged to the account holder's card before departing from Australia. -You need to be an Australian resident. -Your trip must both begin and end in Australia. -You must have a return ticket before departing from Australia. -The age limit for coverage is below 80 years. Hope this helps you have a relaxing trip!
John

John

27 April 2023
Hi Pauline, very interested in complimentary international travel insurance. Does the insurance with this product include snow cover? If not, are you aware of any cards in the market that do? We currently have it with the Citi/Emirates card however this product will cease shortly. Thanks
    Pauline - CreditCard.com.au

    Pauline

    30 April 2023
    Hi John, it looks like snow is classed as a “dangerous activity” in the PDS for this card. As complimentary insurances are for general cover only, it might be worth researching 3rd party cover for your skiing trip.
Mark

Mark

31 March 2023
Is the card holder the only one covered by the travel insurance?
    Pauline - CreditCard.com.au

    Pauline

    3 April 2023
    Hi Mark, I checked the insurance terms of the Westpac Altitude Platinum card and found out that if the primary cardholder meets all the eligibility criteria, their spouse and dependents are also eligible for the insurance. However, each of them must meet the eligibility criteria individually to be eligible. For further information, you can view their official insurance PDS.
Zlata

Zlata

23 March 2023
To receive a complementary travel insurance do I need to buy airfares with the credit card?
    Pauline - CreditCard.com.au

    Pauline

    24 March 2023
    Hi Zlata, yes - you should spend at least “$500 on your prepaid travel costs and charge these costs to your card account before leaving Australia”. There’s also other eligibility requirements listed on Westpac’s Policy Information Booklet that you have to check off to be eligible for the complimentary international travel insurance. Enjoy your trip!
Vandana

Vandana

18 March 2023
difference between velocity and quantas points
    Pauline - CreditCard.com.au

    Pauline

    20 March 2023
    Hi Vandana, Velocity and Qantas Points are two separate loyalty programs available in Australia, with Velocity Points offered by Virgin Australia and Qantas Points offered by Qantas. You can earn points through both programs by using partner credit cards, flying with the respective airlines or their partners, and redeem points for flights, upgrades, and other rewards. To learn about the ins and outs of each program, you can check out our comprehensive guides on the Qantas Frequent Flyer Rewards Program and Velocity Frequent Flyer Points.
isabella

isabella

20 February 2023
WHat do I need to apply for this credit card pls?
    Pauline - CreditCard.com.au

    Pauline

    21 February 2023
    Hi Isabella, to apply for the Westpac Altitude Platinum credit card you must be over 18 years old, have permanent residency in Australia/NZ or hold an acceptable Visa (if non-resident or migrant), with a minimum 1 year before expiry and a minimum income of $30,000 p.a. Westpac will assess your overall ability to make repayments, so it’s important that you have a good credit standing and are financially healthy. They will also ask you to provide documents for proof of identity, income and employment so make sure you have them at hand. If you have specific questions, you can get in touch with Westpac directly on 1300 651 089.
Mandy Lowe

Mandy Lowe

5 February 2023
If i have already put a deposit on a cruise will i still get travel insurance included for that cruise if i apply for this credit card.
    Pauline - CreditCard.com.au

    Pauline

    6 February 2023
    Hi Mandy, it looks like the included travel insurance with this card doesn’t include cover for cruise ships. Allianz is the insurer for Westpac, and you can give them a call on 13 10 00 for the specifics of your trip.
Judy Barrett

Judy Barrett

22 November 2022
Does Westpac Altidude Black credit card cover travel insurance for cruises
    Pauline - CreditCard.com.au

    Pauline

    23 November 2022
    Hi Judy, according to the official insurance PDF, it states you’ll be covered “outside of Australia and its territories, and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters.” Allianz Global Assistance is the underwriter for Westpac and you can reach them on 1800 091 710 to check your cover.
Cameron

Cameron

25 August 2022
Are we able to apply for this card as a business?
Kerri Morris

Kerri Morris

22 August 2022
What does an additional card cost after the free 2nd card?
    Pauline - CreditCard.com.au

    Pauline

    23 August 2022
    Hi Kerri, it’s not stated on Westpac Altitude Platinum card’s terms the fee of adding another cardholder after the first free card. The T&C’s appear to read that you can only have one additional cardholder, as it is never mentioned as a plural. You can reach out to Westpac directly at 1300 651 089 for more information.
Virginia

Virginia

8 August 2022
I'm a sole trader so how do I provide income information?
    Pauline - CreditCard.com.au

    Pauline

    10 August 2022
    Hi Virginia, you will probably need to upload bank statements to the provider. In some instances passing on the details of your accountant is also necessary too. Let us know how you go!
Dani

Dani

28 July 2022
Am I eligible for the offer if I'm transferring from BankSA who is part of the Westpac group?
    Pauline - CreditCard.com.au

    Pauline

    1 August 2022
    Hi Dani, I checked Westpac Altitude Platinum card’s terms and it states that you can only request a transfer from non-Westpac issued credit, charge or store cards. You can however check some of the other balance transfer credit cards available in the market for your options.
Paul

Paul

28 July 2022
what is the overseas surcharge(overseas travel) and currency conversion on Westpac Altitude Platinum
    Pauline - CreditCard.com.au

    Pauline

    1 August 2022
    Hi Paul, indicated on the Westpac Altitude Platinum card’s terms, you’ll cop 3% foreign transaction fee. For the currency conversion, it’ll be dependent on the conversion rate at the time of transaction. It will also depend on whether you let the EFTPOS terminal convert your currency or use the Westpac rate for that day.
Stephanie Cox

Stephanie Cox

15 July 2022
Primary and additional card holder are traveling overseas together (not related). Are we both covered under complementary insurance?
    Pauline - CreditCard.com.au

    Pauline

    19 July 2022
    Hi there Stephane, the good folks over at Westpac and Allianz have created a tool to check if you’re covered. You just need to pop your details in at their eligibility checker.
Cuong Le

Cuong Le

26 June 2022
Does the Westpac Platinum card cover the hospital and treatments for covid while I’m travelling overses with my wife?
Jean Lightbody

Jean Lightbody

22 June 2022
We travel about three times a year. We are going to Bali in December and looking for a credit card that provides travel insurance when we purchase airfares.
    Pauline - CreditCard.com.au

    Pauline

    23 June 2022
    Hi Jean, we’ve got a page that compares credit cards with free travel insurance. It’s not all the offers in the market, but it’s a good place to start and check your options. Have an amazing time in Bali!

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