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.
Westpac Altitude Platinum Credit Card
![Westpac Altitude Platinum Card](https://www.finder.com.au/niche-builder/6452faa3b671a.png)
- 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)
- $49 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.
Pros
-
Up to 120,000 bonus Altitude Points offer
-
First-year annual fee: $49 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
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 $49 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 |
Your reviews
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Amy Finder
Editor
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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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Muhammad
April 19, 2019
What is cancellation fee for this Altitude Platinum credit card? Also if I apply for one more card from other bank, would that effect getting this
Altitude Platinum credit card?
Jeni Finder
April 20, 2019
Hi Muhammad,
Thank you for getting in touch with Finder.
There’s no cancellation fee if you cancel this card. If you apply for another credit card from a different bank, it will not affect your application for this card unless there are too many credit enquiries or card applications which results to a low credit limit.
Please make sure though to read the eligibility criteria, features, and details of the card, as well as the relevant PDS/ T&Cs of the card before making a decision and consider whether the product is right for you.
I hope this helps.
Thank you and have a wonderful day!
Cheers,
Jeni
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Maureen
February 28, 2019
With Westpac Altitude Platinum credit card, how many points per $1 do you achieve?
Jeni Finder
March 02, 2019
Hi Maureen,
Thank you for getting in touch with Finder.
You’ll earn 1 Altitude Rewards point per $1 you spend on eligible purchases, uncapped.
I hope this helps.
Thank you and have a wonderful day!
Cheers,
Jeni
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lozz
March 27, 2018
Eligible purchases do not include fees, cash, cash equivalent transactions, BPAY. Does this means bills (not through bpay) are ineligible?
May Finder
March 27, 2018
Hi Lozz,
Thanks for your inquiry.
Yes, that’s correct. If you pay the bills direct from the providers and they would consider it as a “purchase”, then you would earn points for those payments. But when you pay your bills through BPAY, those are not considered as eligible purchases.
Cheers,
May
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Ivan Brookfield
August 03, 2023
Westpac Black and Westpac Platinum cards – what exactly does Travel Insurance cover?