- Limited-time offers: Get up to 120,000 bonus Altitude Rewards Points (90,000 points when you spend $3,000 within the first 90 days + 30,000 points when you keep your card for at least 12 months)
- Discounts: Reduced annual card fee of $99 for the first year ($175 thereafter)
- Earn points: Per $1, earn 3 Altitude points spent on flights purchased in Australia directly with Qantas and Jetstar, plus 2 Altitude points spent on overseas purchases and with Spotify Premium, Uber, Uber Eats and Airbnb. All other eligible purchases earn 1 point per $1.
- Frequent Flyer options: You can redeem your points for flights with Singapore, Qantas, Jetstar, and Virgin (participating airlines are subject to change)
- Travel perks: Complimentary international and domestic travel insurance, plus you can choose your rewards program (either Altitude Rewards or Altitude Qantas). Altitude Rewards Points are uncapped and don't expire.
- 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 Platinum Credit Card
Updated 1 November 2024
Earn 90,000 bonus Altitude points when you apply as a new cardholder plus additional 30,000 Altitude points if you continue using your card for at least 12 months.
Plus, pay a discounted annual card fee of $99 for the first year ($175 thereafter). Earn bonus Altitude Rewards Points points with select partners and get complimentary retail and travel insurances.
T&Cs apply. Offer ends 30 April 2025.Points Earn Rate (per $1 spent)
1 point
AltitudeRewards Program
Altitude Rewards
Bonus Points
90,000 pts
+ 30,000 pts when you keep your account for at least 12 months. Conditions apply.
Pros and cons
- No complimentary lounge access
- Opting to earn Qantas Points costs an additional $75 per year
Creditcard.com.au review
Editor Review
Westpac Altitude 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.
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 or waived annual fee for the first year, 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 2025, 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 $99 for the first year and save $126 ($175 ongoing annual fee). Both offers are available until 30 April 2025.
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. If you're an existing Westpac customer the annual fee is waived for the first year. If not, you'll still get a discounted annual fee of $99 the first year and then an affordable ongoing annual fee (for a platinum rewards card, at least) of $175 p.a. after that.
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 $99 for the first year, or waived for existing Westpac customers.
User reviews
Rates and fees
Interest rates
Purchase rate 20.99% p.a.
Cash advance rate 21.99% 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 $99
Cash advance fee 3%
Late payment fee $15
Rewards and points
Rewards program
Rewards Program
Altitude Rewards
Bonus points 90,000 points
Annual points cap uncapped
Bonus points spend criteria + 30,000 pts when you keep your account for at least 12 months. Conditions apply.
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
Extras
Travel insurance underwritten by Allianz Australia Insurance Limited
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
- 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 $99 for the first year ($175 thereafter) or waived the first year if you're an existing Westpac customer
- 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 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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