- 80,000 bonus Altitude points when you spend $3,000 on eligible purchases in the first 90 days of card approval. New cards only.
- 0% p.a. for 18 months on balance transfers requested at card application. 1% balance transfer fee applies.
- Discounted annual card fee of $99 for the first year. $150 p.a. thereafter
- Redeem points for flights with Singapore, Cathay Pacific, Malaysia & Air NZ
- 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 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
- Altitude Points do not expire
- One additional card holder at no extra cost
- Choose your rewards program: Altitude Rewards or Altitude Qantas
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Westpac Credit Cards
Westpac Altitude Platinum Credit Card
Updated 12 November 2020
Get 80,000 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, discounted annual card fee of $99 for the first year. Earn 1 Altitude point per $1 spent on eligible purchases. Complimentary overseas travel insurance. 0% p.a. for 18 months on balance transfers requested at card application. 1% balance transfer fee applies.
T&Cs apply. Offer ends 31 March 2021
Points Earn Rate (per $1 spent)
1 point
AltitudeRewards Program
Altitude Rewards
Bonus Points
80,000 pts
Spend $3,000 in first 90 days
Pros and cons
- 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. Ask Roland a Question 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 will pay a discounted annual fee for the first year of $99, plus you can also benefit from 80,000 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 18 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 80,000 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 2021, and then spend $3,000 on eligible purchases within 90 days of card approval. After you have reached that spend, the bonus 80,000 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 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.
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 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 80,000 bonus Altitude points on offer. Plus discounted annual card fee of $99 for the first year and 0% p.a. for 18 months on balance transfers requested at card application. 1% balance transfer fee applies.
User reviews
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 18 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 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 $99
Cash advance fee 2%
Late payment fee $15
Rewards and points
Rewards program
Rewards Program
Altitude Rewards
Bonus points 80,000 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.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
Key features
- 80,000 bonus Altitude points when you spend $3,000 on eligible purchases in the first 90 days of card approval. New cards only.
- 0% p.a. for 18 months on balance transfers requested at card application. 1% balance transfer fee applies.
- Discounted annual card fee of $99 for the first year. $150 p.a. thereafter
- Redeem points for flights with Singapore, Cathay Pacific, Malaysia & Air NZ
- 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 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.
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