American Express Westpac Altitude Platinum Bundle

4 February 2019

Collect up to 75,000 bonus Altitude Points when you meet the spend requirement and save with a $49 annual fee for the first year.

The American Express Westpac Altitude Platinum card bundle offers the flexibility of spending with a Visa and the prestige of an American Express. When you apply by 2 April 2019, you'll score 75,000 bonus Altitude Points when you spend $3,000 on each card within 90 days, plus you can save with $49 annual fee for the first year with this offer. Cardholders can also look forward to earning Altitude Points for every $1 spent on eligible purchases and platinum perks including complimentary travel insurance and access to Amex Invites.

This review explains how this card bundle works plus the rates, fees and features you can expect if you apply. If you prefer frequent flyer points, you could also consider the American Express Westpac Altitude Platinum - Qantas bundle.

Features and benefits of the American Express Westpac Altitude Platinum Bundle

These are the benefits you can look forward to with the American Express Westpac Altitude Platinum Bundle:

• Bonus points. You can earn up to a total of 75,000 bonus Altitude points when you apply for this card bundle by 2 April 2019. When you spend $3,000 on eligible purchases in the first 90 days of approval with your Visa, you’ll get 60,000 bonus points. If you meet the same spend requirement with your Amex, you’ll earn 15,000 bonus Altitude Points. If you hold or have held a Westpac Altitude Platinum Visa or Westpac Altitude Black Mastercard within the last 12 months, you are not eligible for the bonus points promotion.
• Annual fee discount. When you sign up by 2 April 2019, you'll save with a $49 annual fee for the first year. This reverts to $199 p.a. thereafter.
• Standard earn rates. With the American Express, you’ll earn 3 Altitude Points per $1 spent on purchases in a foreign currency, 2 Altitude Points per $1 spent in Australia as well as 1 Altitude Point per $1 spent on government transactions (such as ATO bills). On the Visa, you’ll earn 1 Altitude Point per $1 spent on all eligible purchases.
• Rewards and frequent flyer options. You can redeem your points for merchandise from the Altitude Rewards store or exchange them for frequent flyer points with partnered programs including Virgin Australia's Velocity, Cathay Pacific Asia Miles, Air New Zealand Airpoints, Malaysia Airlines Enrich and Singapore Airlines KrisFlyer. You should consider the exchange rates before you move your Altitude Points to frequent flyer points. For example, you’ll receive 1 Velocity Point for every 3 Altitude Points. If you prefer frequent flyer points, you could also consider the American Express Westpac Altitude Platinum - Qantas bundle.
• Complimentary insurances. You can shop and travel with peace of mind thanks to complimentary retail and travel insurance covers.
• Access to Amex Offers and Amex Invites. Thanks to your American Express card, you’ll get access to exclusive discounts, dining perks with participating restaurants, pre-sale access to concert and events, passes to Amex Invites lounges at specific venues.

Rates and fees of the American Express Westpac Altitude Platinum Bundle

Weigh up these account costs to help you decide if the American Express Westpac Altitude Platinum Bundle suits your needs:

• Annual fee. Outside of any promotions, this bundle charges a standard $150 annual fee for the Visa and $49 for the American Express. That's a combined annual fee of $199.
• Purchase interest rate. These cards have a variable purchase interest rate of 20.24% p.a.
• Interest-free days. If you pay your balance in full, you can save on future purchases with up to 45 interest-free days.
• Cash advance interest rate. If you use the Visa to make a cash advance (such as an ATM withdrawal), you’ll be charged 20.74% p.a. You can’t use the American Express to make cash advances.
• Foreign transaction fee. If you use either of these cards overseas or to shop online with an international merchant, you’ll be charged a foreign currency fee worth 3% of the transaction amount.
• Additional card fee. There is $0 additional card fee if you want to add a secondary cardholder to your account.

Changes coming 1 March 2019

Westpac Altitude Platinum cards issued following applications started on or after 1 March 2019 will be Mastercard branded. The American Express card will continue to be issued, serviced and branded as American Express.

How to apply for the American Express Westpac Altitude Platinum Bundle

If you’re already an existing Westpac Altitude Platinum card customer, you can only apply for the Amex card if you’ve been invited to via Online Banking, email or post. If you were invited, you should’ve received a promotional code which you can use to apply. If you are a new Altitude Platinum customer, you can only apply for the American Express card if you also apply for the Visa card.

If you want to take advantage of the bonus points offer and annual fee discount, you must apply by 2 April 2019. You can apply for the card online and the application should only take around 10 minutes. For this two-card bundle, you submit only one application to Westpac and then your information is passed on to American Express. Before you apply, make sure you meet the eligibility requirements and have the necessary documents on hand:

Eligibility criteria

You should only apply for this card if:

• You're at least 18 years old.
• You're a permanent Australian resident.

Necessary documents and information

You'll need to provide the following information to complete your application:

• Personal details. You'll need to include personal details including your full name, address and contact details.
• Identification. You can verify your identity by providing copies of your Australian driver's licence, Medicare card, Australian passport or foreign tax details if necessary.
• Income and expenses. You'll need to provide recent payslips or bank statements.
• Employment details. You'll need to include employment details including where you work and how long you've been employed there.

The American Express Westpac Altitude Platinum bundle offers competitive earn rates and complimentary extras. But as it’s not the only rewards card on the market, it’s best to compare a few options before you apply. Although this card is bundled with the two platinum products together, you can apply for the Westpac Altitude Black and the American Express Westpac Altitude Platinum bundled together or vice versa depending on the perks you want from your card and the eligibility criteria you satisfy.

Back to top