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130,000 Spend $3,000 in first 90 days
Westpac Altitude Platinum Credit Card
Westpac Altitude Platinum Credit Card

Westpac Credit Cards

Westpac Altitude Platinum Credit Card

Updated 31 August 2021

Get 130,000 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. Plus, you’ll get a discounted annual card fee of $49 for the first year ($150 thereafter). Earn 1 Altitude point per $1 spent on eligible purchases. 0% p.a. for 22 months on balance transfers requested at card application. 1% balance transfer fee applies. New cards only.

T&Cs apply. Offer ends 30 November 2021

Points Earn Rate (per $1 spent)

1 point

Altitude

Rewards Program

Altitude Rewards

Bonus Points

130,000 pts

Spend $3,000 in first 90 days

Pros and cons

  • 130,000 bonus Altitude Points when you spend $3,000 on eligible purchases with a new Altitude Platinum credit card within 90 days of card approval
  • 0% p.a. for 22 months on balance transfers requested at card application. 1% balance transfer fee applies, reverts to the variable cash advance rate
  • Discounted annual card fee of $49 for the first year ($150 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 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
  • Choose your rewards program: Altitude Rewards 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

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 130,000 bonus Altitude points when you spend $3,000 on eligible purchases within 90 days of card approval. If you need to transfer over credit card debt from another provider, this offer also has that covered. It comes with 0% p.a. for 22 months on balance transfers requested at card application. A one off 1% balance transfer fee applies.

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 130,000 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 November 2021, and then spend $3,000 on eligible purchases within 90 days of card approval. After you have reached that spend, the bonus 130,000 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.

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 130,000 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.

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 $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 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 130,000 bonus Altitude points on offer. Plus discounted annual card fee of $49 for the first year and 0% p.a. for 22 months on balance transfers requested at card application. 1% balance transfer fee applies.

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 22 months

Balance transfer revert rate 21.49% p.a.

Balance transfer from personal loan No

Balance transfer fee 1% one off

Balance transfer limit 80% of approved credit limit

Banks you can't balance transfer from Westpac

Credit limits

Minimum credit limit $6,000

Maximum credit limit $50,000

Fees & repayments

Annual fee $150 p.a.

Additional cardholder fee $0 p.a.

Foreign transaction fee 3%

Minimum repayment 2% or $10, whichever is greater

Annual fee the first year $49

Cash advance fee 2% or $2.50, whichever is greater

Late payment fee $15

Rewards and points

Rewards program

Rewards Program Altitude Rewards Altitude Rewards

Bonus points 130,000 points

Annual points cap uncapped

Bonus points spend criteria Spend $3,000 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

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

  • 130,000 bonus Altitude Points when you spend $3,000 on eligible purchases with a new Altitude Platinum credit card within 90 days of card approval
  • 0% p.a. for 22 months on balance transfers requested at card application. 1% balance transfer fee applies, reverts to the variable cash advance rate
  • Discounted annual card fee of $49 for the first year ($150 thereafter)
  • Redeem points for flights with Singapore, Qantas, Jetstar, and Virgin (participating airlines are subject to change.)
  • Complimentary overseas travel insurance for trips up to 3 months
  • 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

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.

55 questions (showing the latest 10 Q&As)

Kunj

Kunj

1 September 2021
hi I have recently commenced a small business which is on track to generate upwards of $30000 a year. Given my clean credit history would I be eligible to apply for this credit card?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    3 September 2021
    Hi Kunj, every card provider has different eligibility criteria. As long as you meet the eligibility, can provide proof of income, and are not bankrupt, you may apply. It’s important to note sometimes banks will call your accountant to verify income, and you’ll need to show other supporting documentation too.
Wilson

Wilson

8 August 2021
Am i eligible for the bonus points?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    9 August 2021
    Hi Wilson, thanks for your question! If you apply for the Westpac Altitude Platinum Credit Card and are approved between 24 June 2021 and 30 November 2021, and have met the minimum spend requirement, you qualify for the 130,000 bonus Altitude Rewards points. Happy points hunting
Ami Chand

Ami Chand

15 May 2021
I want to book flight with ALTITUDE pOINTS
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    17 May 2021
    Hi Ami, thanks for your question! You can redeem your Altitude Points via the Altitude website. Sign in to Westpac Online Banking or the Westpac App, select or search Rewards & Offers, click Altitude Reward Points and follow the prompts. Hope this helps!
simonrichardson1@hotmail.co.uk

[email protected]

24 March 2020
does the altitude platinum card include vehicle rental excess cover overseas.i know its no good for Australia
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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