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40,000 Spend $2,000 in first 90 days
Westpac Altitude Platinum Credit Card
Westpac Altitude Platinum Credit Card

Westpac Credit Cards

Westpac Altitude Platinum Credit Card

Updated 20 January 2020

Get 0% p.a. on balance transfers for 20 months plus 40,000 bonus Altitude points on a new Westpac Altitude Platinum credit card when you spend $2,000 on eligible purchases within 90 days of card approval. 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.

T&Cs apply. Offer ends 31 March 2020

Purchase Rate (p.a)

20.49%

Balance Transfer (p.a)

0% for 20 months No BT fee. reverts to 21.49% p.a.

Annual Fee (p.a)

$150

$0 over 20 months

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • 0% p.a. on balance transfers for 20 months
  • 40,000 bonus Altitude points when you spend $2,000 in the first 90 days of card approval. New cards only.
  • $150 annual card fee
  • 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 3 Altitude points per $1 spent on flights purchased in Australia directly with QANTAS, Jetstar and Virgin Australia. 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
  • Altitude Points do not expire
  • One additional card holder at no extra cost
  • Choose your rewards program: Altitude Rewards, Altitude Velocity or Altitude Qantas

  • No lounge access

Creditcard.com.au review

Editor Review

Westpac Altitude Platinum Credit Card

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. about this card.

The Westpac Altitude Platinum Credit Card

If you apply by 31 March 2020, you can also benefit from 40,000 bonus Altitude points when you spend $2,000 within 90 days of card approval. Plus get 0% p.a. on balance transfers for 20 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 $50. Regardless which program you choose, you can take advantage of 40,000 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 31 March 2020, and then spend $2,000 on eligible purchases within 90 days of card approval. After you have reached that spend, the bonus 40,000 Altitude points will be credited to your account within 12 weeks.

If you need to move over an existing credit card debt, the Westpac Altitude Platinum comes with 0% p.a. on balance transfers for 20 months. This offer ends 31 March 2020.

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, Jetstar, and Virgin Australia, 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.

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, 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 an affordable annual fee (for a platinum rewards card, at least) of $150 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 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 and 40,000 bonus Altitude points plus 0% p.a. on balance transfers for 20 months on offer.

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 20.49% p.a.

Cash advance rate 21.49% p.a.

Interest free period on purchases up to 45 days

Balance transfer

Balance transfer rate 0% p.a. for 20 months

Balance transfer revert rate 21.49% 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 $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%

Cash advance fee 2%

Late payment fee $15

Rewards and points

Rewards program

Rewards Program Altitude Rewards Altitude Rewards

Bonus points 40,000 points

Annual points cap uncapped

Bonus points spend criteria Spend $2,000 in first 90 days

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 No

Transit Accident Insurance Yes

Smartphone Screen Insurance No

Purchase Protection Insurance Yes

Extended Warranty Insurance Yes

Rental Vehicle Excess In Australia Insurance No

Extras

24/7 personal concierge service

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

  • 0% p.a. on balance transfers for 20 months
  • 40,000 bonus Altitude points when you spend $2,000 in the first 90 days of card approval. New cards only.
  • $150 annual card fee
  • 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
  • Altitude Points do not expire
  • One additional card holder at no extra cost
  • Earn 3 Altitude points per $1 spent on flights purchased in Australia directly with QANTAS, Jetstar and Virgin Australia. 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, Altitude Velocity or Altitude Qantas

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

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.

51 questions (showing the latest 10 Q&As)

Tina Maas

Tina Maas

7 January 2020
IVE JUST TRIED TO USE MY CARD INSHORE BUT IT SAYS PIN INCORRECT WICH IT WASNT BUT I ONLY JUST SET IT UP THIS MORNING CAN YOU PLEASE HELP ME ASAP OR RING ME ON ASAP PLEASE
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    8 January 2020
    Hi Tina, give Westpac credit card support a call on 1300 130 961.
ALAN

ALAN

6 December 2019
Hi Roland If I have a Westpac Altitude Platinum Credit Card and a separate velocity or quantas frequent flyers , can I use the credit card for all my purchases and transfer over a couple of times a year. So that way I can get my $1-1point at point of purchase and 3 points for $1 if I am flying ?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    9 December 2019
    Hi Alan, have a look at the Altitude Rewards site - https://altituderewards.com.au/public/info.aspx?name=frequent_flyer_info. You will need to sign in to view the transfer rates before you wish to do so. Yes you can transfer at any time, therefore a couple of times a year works. Checking the terms on the << Accelerated Earn - Flights: Earn 3 points per dollar on the first $10,000 on flights per calendar month, then 1 point per $1 spent thereafter on the Altitude Platinum Mastercard. Points earn applies to flights purchased in Australia directly with the above listed participating airlines using your Altitude Platinum Mastercard. Excludes flights not purchased directly with the participating airlines for example flights purchased through a travel agent, online aggregators or other airlines such as a code-share etc. Participating airlines are subject to change.
Alan

Alan

3 December 2019
By paying the $150 annual fee, do you sign me up to the Quantas Frequent Flyers club
Davina

Davina

1 October 2019
Hi Roland What constitutes an eligible purchase? Thank you :)
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    2 October 2019
    Hi Davina, Eligible purchases do not include fees, cash, cash equivalent transactions, payments to the Australian Tax Office, BPAY, BPAY equivalent transaction, refunds and balance transfers debited from the card account. Its easier to look at what are not than to label what are ;)
Eva Protogeros

Eva Protogeros

12 May 2019
Which airlines I can get points
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.

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