- 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 after your first eligible purchase in year 2).
- Discounts: Reduced annual card fee of $99 for the first year ($175 thereafter), or $49 if you’re an existing Westpac customer. A $75 annual Altitude Rewards Program fee also applies.
- 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 Medical Travel Insurance, Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia, plus a Complimentary Flight Delay Access Pass. Eligibility, limits and exclusions apply.
- 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 Rewards Platinum Credit Card
Updated 6 October 2026
Fly higher 🪁 with up to 100,000 bonus Altitude Points over 12 months that you can redeem for travel, online products, cashback and more. Earn up to 2 Altitude Points per $1 on international spend, 1.25 points on everyday spend and 1 point on all other eligible purchases.
You’ll also receive a bushel of money-saving travel insurances, car hire excess cover and a discounted annual card fee for the first year, down to $99 ($175 thereafter, plus a $75 annual Altitude Rewards Program fee).
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 after your first eligible purchase in year 2
Pros and cons
- No complimentary lounge passes (lounge access only with the Flight Delay Access Pass when your flight is delayed 120+ minutes)
- $75 annual Altitude Rewards Program fee on top of the card fee
Creditcard.com.au review
Editor Review
Westpac Altitude Rewards 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 Rewards 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. A $75 annual Altitude Rewards Program fee also applies.
Points are added to your account within 12 weeks of meeting the spending criteria. Just note these bonuses aren’t available if you currently hold, or have held in the last 24 months, an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card.
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 Rewards Platinum Credit Card, you’ll earn points on your eligible everyday purchases. Earn 2 Altitude Points per $1 on international spend, 1.25 on everyday spend and 1 on other eligible purchases. After $5,000 eligible spend in a statement cycle, further eligible purchases earn 0.5 points per $1.
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.
Eligible purchases earn points at the applicable category rate. Refer to the Altitude Rewards terms for excluded transactions.
 TravelRedeem points for flights, hotels and car hire | Merchandise Shop for gift cards, technology, homewares and more | Cashback Trade points for cashback or pay with points |
Insurance and card benefits
The Westpac Altitude Rewards Platinum provides international medical travel cover, domestic travel cover and rental vehicle excess cover in Australia, plus a Complimentary Flight Delay Access Pass. Remember all insurances have specific terms and eligibility criteria, so read the policy documents carefully.
International Medical Travel Insurance. You can access up to 1 month of Complimentary International Medical Travel Insurance, subject to eligibility, limits and exclusions. Eligibility includes charging at least $500 in prepaid travel costs to your eligible card, holding a return overseas ticket and activating cover before leaving Australia. See the policy for all eligibility criteria.
Domestic travel insurance. Domestic Travel Insurance includes cancellation, flight delay, luggage and luggage delay benefits, subject to eligibility, limits and exclusions. Funeral expenses are no longer covered under the new domestic policy.
Rental vehicle excess insurance in Australia. Rental Vehicle Excess Insurance in Australia may cover an eligible rental vehicle that is involved in an accident, damaged or stolen. Eligibility, limits and exclusions apply; see the current policy booklet.
Flight Delay Access Pass. From 1 October 2026, you get a Complimentary Flight Delay Access Pass, which gives you access to more than 1,800 participating airport lounges worldwide if your flight is delayed for more than 120 minutes (registration required). Terms and conditions apply.
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 23.98% 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 Qantas isn’t a transfer partner, so if you want Qantas Points, consider the Altitude Qantas Platinum card instead. There’s also a $75 annual Altitude Rewards Program fee on top of the card fee, and from 30 September 2026 airline transfer rates became less generous.
Who suits the Westpac Altitude Rewards 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 23.98% p.a.
Cash advance rate 23.99% 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 (Low Fee, Low Rate, Lite); 2.5% or $25 whichever is greater (Altitude Platinum, Altitude Black); 3% or $10 whichever is greater (business)
Annual fee the first year $99
Cash advance fee 3.5% (personal cards) ; 3% (business cards)
Late payment fee $20
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 after your first eligible purchase in year 2
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 1 months
Flight Inconvenience Insurance Yes
Transit Accident Insurance No
Smartphone Screen Insurance No
Purchase Protection Insurance No
Extended Warranty Insurance No
Rental Vehicle Excess In Australia Insurance Yes
Extras
Travel insurance underwritten by Allianz Australia Insurance Limited
Complimentary Flight Delay Access Pass
Overview
Westpac Altitude Rewards 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 after your first eligible purchase in year 2. Not available if you currently hold, or have held in the last 24 months, an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card.
- Discounted annual card fee of $99 for the first year ($175 thereafter) or $49 for the first year if you're an existing Westpac customer. A $75 annual Altitude Rewards Program fee also applies.
- Transfer points to airline partners including Singapore Airlines, Virgin Australia, Cathay Pacific and Air New Zealand (participating airlines are subject to change)
- One additional card holder at no extra cost
- Complimentary International Medical Travel Insurance for trips up to 1 month; activation before departure and eligibility criteria apply
- Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia, subject to eligibility, limits and exclusions
- Complimentary Flight Delay Access Pass. Providing you with access to more than 1,800 participating airport lounges worldwide if your flight is delayed for more than 120 minutes (registration required). Terms and conditions apply.
- 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
- Prefer Qantas Points? See the Altitude Qantas Platinum
- 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
-
Australian or New Zealand citizen, Australian permanent resident, or temporary residence visa holder with at least 1 year before expiry. Must live at a fixed Australian address and receive a regular, verifiable Australian taxable income.
-
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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