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Terms and conditions apply

Bonus points: 120,000
Purchase rate: 20.99% p.a.
Reward point per $ spent: 1
Annual fee for the first year ($175 p.a. thereafter): $99 p.a.

Our verdict

Offers up to 120,000 bonus Altitude Points, a discounted annual fee in the first year and up to 3 points per $1 on eligible spending.

The Westpac Altitude Platinum Credit Card is suited to people who want flexible rewards and a competitive annual fee (for this type of card). A key feature is the higher number of points per $1 earned with partnered brands including Qantas, Jetstar, Uber and Spotify Premium – earning up to 3 points per $1. You can also get 90,000 bonus Altitude Points when you apply as a new cardholder by 30 April 2025 and spend $3,000 or more on eligible purchases in the first 90 days. Plus 30,000 bonus points after your first eligible purchase in the second year.

If you collected all the bonus points on offer, you could redeem them for $400 cashback on your account. Altitude Rewards also offers gift cards, retail items, travel rewards and frequent flyer point transfers to Velocity Frequent Flyer, Air New Zealand Airpoints, Asia Miles and Singapore Airlines KrisFlyer. But you have to log in to the Altitude Rewards website to see exactly how many points you need for most rewards. As well as points, this card offers complimentary travel insurance and extended warranty cover for eligible purchases. You'll also save in the first year with a waived annual fee for existing Westpac customers or a discounted annual fee of $99 for new cardholders, which goes to $175 thereafter. This annual fee is on par with similar platinum rewards cards, but you should still check that the value you’ll get from points and other perks is worth it after the first year.

Pros

Up to 120,000 bonus Altitude Points offer
First-year annual fee: $99 for new customers or $0 for existing customers
Earn up to 3 Altitude Points per $1 spent, uncapped
Complimentary travel insurance covers

Cons

The standard annual fee of $175 p.a. is relatively high
Only offers up to 45 days interest-free on purchases, as opposed to most cards with 55 days
Tiered earn rate makes points potential more difficult to estimate

The Westpac Altitude Rewards Platinum Card earns between 1 and 3 points per $1 on eligible spending, with the highest earn rate offered to flights booked with Qantas or Jetstar. It also has a 20.99% p.a. variable interest rate for purchases if you’re not eligible for interest-free days. It doesn’t come with other travel perks like airport lounge passes or vouchers that you can expect with more premium rewards cards – but they often have higher annual fees too.

Details

Product details

Product Name	Westpac Altitude Platinum Card
Purchase rate p.a.	Purchase rate p.a. 20.99%
Interest-free period	Up to 45 days on purchases
Cash advance rate p.a.	21.99%
Min credit limit	$6,000
Max credit limit	$50,000
Card type	Mastercard

Eligibility

Available to temporary residents	Yes - Conditions apply
Minimum income	$30,000
Joint application	No

Rewards

Rewards program	Westpac Altitude Rewards
Bonus points	120,000
Rewards points per $ spent	1

Fees

Annual fee	Annual fee $99 first year ($175 after)
Minimum monthly repayment	2% of the closing balance or $10, whichever is greater
Late payment fee	$15
Foreign currency conversion fee	Foreign currency conversion fee 3%
Cash advance fee	3%
Overseas cash advance fee	2%
Additional cardholder fee	$0
Number of additional cardholders	1

How to apply

You can apply for the Altitude Platinum Credit Card by filling out the online application and receive a response within 60 seconds. To apply for this credit card, you have to make sure you meet the eligibility requirements first.

Eligibility criteria

New customer. To be eligible for the bonus points offer, you cannot hold or have held a Westpac rewards card in the previous 24 months.
Minimum income. You must earn an annual income of at least $30,000.

Residency. You must be a permanent Australian resident or Australian citizen. Please note that those holding a student visa aren't eligible and temporary visa holders must apply through migrant banking.
Age. You must be at least 18 years of age.
Existing customers. You must be an existing Westpac customer to be eligible for the $0 first-year annual fee offer.

Required documents

Proof of identification. This can be your Australian driver's licence, Medicare card or Australian passport.
Income and expenses. You'll need proof of your income and financial history, such as payslips or tax documents. You'll also need to provide information regarding any liabilities and dependents.
Employment details. You'll need to list your employer's details like the address and phone number, and proof of any other financial commitments like investment properties.

Go to Westpac's site More info

Card benefits

Up to 120,000 bonus Altitude Points. Apply for the Westpac Altitude Platinum by 30 April 2025 and you'll get 90,000 bonus Altitude Points when you spend at least $3,000 on eligible purchases in the first 90 days from card approval. You'll get another 30,000 points after making your first eligible purchase in the second year. You can redeem Altitude Rewards points for cashback, gift cards, retail items, travel or transfer points to your Velocity Frequent Flyer, Singapore Airlines KrisFlyer, Asia Miles or Air New Zealand Airpoints account. Your bonus Altitude Points will be credited to your account within 12 weeks of meeting the spend criteria.
Discounted first-year annual fee. This card offers a reduced annual fee of $99 in the first year when you apply as a new cardholder by 30 April 2025. If you're already banking with Westpac, you'll get an annual fee waiver in the first year. The annual fee will revert to $175 p.a. thereafter.

Rewards. With your Altitude Platinum credit card, you can earn up to 3 points per $1 spent on eligible purchases. Earn 3 Altitude points per dollar spent (up to $10,000 per calendar month) on flights purchased in Australia directly with Qantas or Jetstar, then 1 point per $1 spent thereafter. Earn 2 Altitude Points per $1 spent on overseas spend and with Spotify Premium, Uber, Uber Eats and Airbnb. Earn 1 Altitude Point per $1 spent on all other eligible purchases (uncapped).
Complimentary insurances. You get a wide range of insurance covers with your platinum credit card. You can benefit from overseas travel insurance that includes medical expenses, lost or damaged property, personal liability, and more. You'll also enjoy transit accident insurance, purchase security insurance and extended warranty coverage.
Mobile Wallets. You can link your Westpac Altitude Platinum credit card with Apple Pay, Samsung Pay or Google Pay to make contactless payments at the checkout with your Apple, Samsung or Android device. You can also pay with your eligible fitness tracker, thanks to Garmin Pay.

Rates & fees

Annual fee. Outside of any promotions, this card charges an annual fee of $175.
Interest rates. This credit card charges a variable interest rate of 20.99% p.a. on purchases and 21.99% p.a. on cash advances.

Interest-free period. You will receive up to 45 days interest-free on new purchases when you pay your monthly payment balance listed on your statement in full by the payment due date. Note that these interest-free days are separate from any longer-term interest rate promotions and the monthly payment balance excludes current balance transfers.
Additional cardholder. You can earn points faster by adding 1 additional cardholder for $0.

Go to Westpac's site More info

Sources

Westpac Altitude Rewards Platinum card information PDF

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Sal

December 06, 2024

For existing customers, is it 12 or 24 months that I cant hold a reward card with Westpac?

This is from the T&Cs of the card “Existing Westpac customers who currently hold an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card, or who have held one in the last 24 months, are not eligible for this offer”

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Richard Whitten Finder

December 09, 2024

Hi Sal,

It’s 24 months. We’ve corrected this on our site. Thank you for letting us know.

Jake

October 31, 2024

Where it says you can transfer points into the Velocity Program, is that a 1:1 conversion?

Angus Kidman Finder

November 02, 2024

Hi Jake, 3 Altitude Points converts to 1 Velocity Point.

Hans

September 10, 2024

If I get this card but have to cancel it in the future will I lose all my points?

Angus Kidman Finder

September 15, 2024

Hi Hans, Yes, if you cancelled the card you’d lose any points – the strategy in that case would be to convert your points into cashback or transfer them into a frequent flyer program before cancelling the card, so you don’t miss out. Hope this helps.

Ivan Brookfield

August 03, 2023

Westpac Black and Westpac Platinum cards – what exactly does Travel Insurance cover?

Amy Bradney-George Finder

August 04, 2023

Hi Ivan,

Westpac Black credit cards offer complimentary, comprehensive international travel insurance for trips of up to 6 consecutive months – which includes benefits related to hospital and medical emergencies, cancellation, luggage and travel delays. With Westpac Platinum cards, the cover is available for trips of up to 3 consecutive months. Different claim limits also apply, so it’s a good idea to view the full policy document available on the bank’s website. Alternatively, you could call the insurance provider, Allianz on 1800 091 710. I hope this helps.

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Dos

May 16, 2019

Hi, I had this card previously but cancelled it in December last year. Will I still be eligible for the Qantas points if I apply? Thanks!

Jhez Finder

May 16, 2019

Hello Dos,

Thank you for your comment.

According to the terms and conditions of Westpac Altitude Platinum Card, existing Westpac customers who currently hold an Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months, are not eligible for this offer. Therefore, you’re not eligible to receive the bonus points if you reapply, unfortunately.

Regards,

Jhezelyn

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Westpac Altitude Platinum Credit Card

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