American Express Westpac Altitude Platinum Bundle

2019 Winner

Last updated: 12 March 2020

Collect up to 110,000 bonus Altitude Points and earn up to 3 points per $1 spent with this platinum bundle.

Apply for this two-card bundle by 31 March 2020 and you will earn 110,000 bonus Altitude Points when you spend $3,000 on both the Mastercard and the Amex card within the first 90 days.

You’ll also earn Altitude Points for every $1 spent on eligible purchases, save $49 with a discounted annual fee of $150 in the first year and get access to platinum perks including complimentary travel insurance.

110,000

Bonus points

20.49% p.a.

Purchase rate

American Express: 20.24% p.a.
Mastercard: 20.49% p.a.

Up to 2

Reward points per $

American Express: 2
Mastercard: 1

$150 p.a.

Annual fee

for the first year ($199 p.a. thereafter)

Details

Product Name	American Express Westpac Altitude Platinum Bundle
Rewards program	Westpac Altitude Rewards
Purchase rate (p.a.)	20.24% p.a. (AMEX) 20.49% p.a. (Visa/MC)
Annual fee	$150 p.a. annual fee for the first year ($199 p.a. thereafter)
Interest free period	45 days
Cash advance rate (p.a.)	21.49% p.a.
Min credit limit	$9,000
Card type	Mastercard American Express
Foreign currency conversion fee (Visa/Mastercard)	3% of transaction value
Foreign currency conversion fee (American Express)	3% of transaction value
Complimentary travel insurance	Yes

Minimum Income	$50,000
Minimum age	18 years of age
Available to temporary residents	No
Joint application	No

Pros

Up to 110,000 bonus Altitude Points (80,000 on the Mastercard and 30,000 on the Amex)
Reduced $150 first year annual fee
Complimentary retail and travel insurance covers
Access to Amex Offers and Amex Invites

Cons

Only up to 45 days interest-free on purchases, as opposed to most cards with 55 days
Tiered earn rates across both cards makes it tricky to estimate points potential

Rewards program	Westpac Altitude Rewards
Bonus Points	110,000 bonus points
Rewards Points per $ spent (Visa/Mastercard)	1
Rewards Points per $ spent (AMEX)	2
Rewards Points per $ Cap (American Express)	Uncapped

Annual fee	$150 p.a. annual fee for the first year ($199 p.a. thereafter)
Late payment fee	$30
Foreign currency conversion fee (American Express)	3% of transaction value
Foreign currency conversion fee (Visa/Mastercard)	3% of transaction value
Cash Advance Fee	2% or $2.50, whichever is greater
Additional cardholder fee	$0

Expert review

Review by

Amy Bradney-George

amy.bradney-george@finder.com

Amy is an editor and writer at finder.com.au with more than 10 years experience covering credit cards, personal finance and various lifestyle topics. When she’s not sharing her knowledge on money matters, Amy spends her time as an actress.

Expert review

The American Express Westpac Altitude Platinum bundle gives you a way to earn points with both a Mastercard and an Amex, earning from 1 to 3 Altitude Points per $1 spent. To collect the total 110,000 bonus points, you would need to spend $3,000 on each card within the first 90 days. However, if you think meeting the full spend requirement could be tricky, it’s smart to prioritise spending $3,000 on the Mastercard so you can earn 80,000 of the bonus points.

You can transfer Altitude Points to five different frequent flyer programs, including Velocity and Singapore Airlines KrisFlyer, or redeem them directly for rewards such as travel deals, gift cards and merchandise. One important detail to note: while these cards are linked to the same rewards account, American Express issues the Amex and Westpac issues the Mastercard. This means you’ll have two separate credit card accounts and statements to manage.

How to apply

If you already have a Westpac Altitude Rewards credit card, you can see if you're eligible to apply by logging into your account and checking the "offers" tab. If you're a new customer, you can apply for the Westpac Altitude Platinum bundle online via a secure application form.

Note that you can apply for the Westpac Altitude Platinum Mastercard separately but you must apply for both cards if you want the American Express option. Get started by checking that you meet the following eligibility criteria and have all the relevant documents and details on hand.

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 12 months.
Residency. You must be an Australian citizen or permanent resident currently living in Australia.

Age. You must be at least 18 years old to apply.

Required documents

Personal details. You'll be asked for your full name, email address, contact number, residential address and identification such as your driver's licence or passport.
Employment details. This includes your employment status, job title, salary and your employer's contact details. You'll also need to provide documents to verify your income, such as recent payslips or bank statements.
Financial details. This covers any other forms of income – such as superannuation or pensions – savings and other assets, as well as existing cards, debts and other loans. You also need to estimate your share of household expenses, such as rent or mortgage payments, bills and groceries.

Card benefits

Bonus points. You can earn up to a total of 110,000 bonus Altitude points when you apply for this card bundle by 31 March 2020. When you spend $3,000 on eligible purchases within the first 90 days of approval with your Mastercard, you'll get 80,000 bonus Altitude Points. If you meet the same spend requirement with your Amex, you'll earn 30,000 bonus Altitude Points. Points will be credited to your account within 12 weeks of meeting the spend requirement.
Discounted first year annual fee. Apply by 31 March 2020 and save $49 with a discounted annual fee of $150 in the first year (reverts to $199 p.a. thereafter).

Amex 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 and 1 Altitude Point per $1 spent on government transactions (like ATO bills).
Mastercard earn rates. You'll earn 3 Altitude Points per $1 spent (up to $10,000 per calendar month) on flights purchased in Australia directly with Qantas, Jetstar, and Virgin Australia, then 1 point per $1 spent thereafter. You'll get 2 Altitude Points per $1 spent on overseas spend and with Spotify Premium, Uber, Uber Eats and Airbnb, and 1 Altitude Point per $1 spent on all other 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 or the American Express Westpac Altitude Platinum - Velocity bundle.
Complimentary insurances. You can shop and travel with peace of mind thanks to complimentary retail and travel insurance covers, including overseas medical, extended warranty and purchase security.
Access to Amex Offers and Amex Experiences. 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 Experiences lounges at specific venues.
Mobile wallets. You can conveniently tap and pay with your smartphone when you add your Westpac Altitude Platinum Mastercard to your Google Pay or Samsung Pay account. You can also use your fitness tracker to make contactless payments with Fitbit Pay and Garmin Pay. The American Express card is compatible with Apple Pay as well, but does not offer payments through fitness trackers.

Rates & fees

Annual fee. Outside of any promotions, this bundle charges a standard $150 annual fee for the Mastercard and $49 for the American Express. That's a combined annual fee of $199.
Purchase interest rate. The Mastercard charges a variable purchase interest rate of 20.49% p.a. and the American Express purchase rate is 20.24% p.a.

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.
Cash advance interest rate. If you use the Mastercard to make a cash advance (such as an ATM withdrawal), you'll be charged 21.49% 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. You can request an additional cardholder for $0.

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30 Comments

Denis
April 30, 2019

As a retired person with reduced income, I am looking for low or zero annual card membership fee with frequent flyer point benefits with Westpac/Amex/Altitude.
Can you offer card suggestions please?

Reply
- finder Customer Care
  
  Nikki
  May 1, 2019
  
  Hi Denis,
  
  Thanks for getting in touch! Even as a retired person, who can still apply for any credit card you choose and you can see helpful guidelines as provided by banks on this page.
  
  To get started looking for no annual fee frequent flyer credit cards, here is the page. As a friendly reminder, read the eligibility criteria, features, and details of the card, as well as the Product Disclosure Statement and Terms and Conditions of the card before making a decision and consider whether the product is right for you.
  
  Hope this helps!
  
  Best,
  Nikki
  
  Reply
Wayne
November 18, 2018

Hi finder
We took up your previous offer for this by the July 31st 2018
We were approved met the spend criteria but have not received out 90,000 points!!!
Is this a con offer???
It is now November and we have not yet got the points

Reply
- finder Customer Care
  
  Nikki
  November 19, 2018
  
  Hi Wayne,
  
  Thanks for getting in touch! We highly suggest contacting Westpac immediately and give them all the pertinent information needed.
  Hope this was helpful. Don’t hesitate to message us back if you have more questions.
  
  Best,
  Nikki
  
  Reply
Shane
October 23, 2018

I applied for a very similar earlier offer in the end of May which stated that I would receive 90k points total (75k from Westpac and 15k from AMEX). It was approved for me on 1 June 2018 and I have spent the amount that I needed to receive the bonus Qantas points but I have yet to receive the points. Could you please let me know where the hold up might be? Thank you.

Reply
- finder Customer Care
  
  John
  October 23, 2018
  
  Hi Shane M,
  
  Thank you for leaving a question.
  
  For you to track the redemption of your bonus points, you may call 132 032 which is open from 8am – 8pm, 7 days. Kindly provide your account details for the customer support representative for them to pull up your account and track the progress of your points redemption. Hope this helps!
  
  Cheers,
  Reggie
  
  Reply
Brigitte
October 22, 2018

If I was previously named as an additional cardholder on a Westpac Altitude Platinum Card account, will I still be eligible for the bonus points if I sign up for the above offer as the primary cardholder?

Reply
- finder Customer Care
  
  Jhez
  October 23, 2018
  
  Hello Brigitte,
  
  Thank you for your comment.
  
  Yes, you are still eligible to receive the bonus points offer so long as you meet all of the other eligibility criteria. The primary cardholder is the one responsible for the account and it is the primary cardholder’s account to which rewards points are credited. However, you are also advised to call Westpac to confirm your eligibility before you apply.
  
  Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.
  
  Regards,
  Jhezelyn
  
  Reply
Brigitte
October 19, 2018

Hi there,
When the above requirements state that ‘existing Westpac Altitude Platinum card customers’ are not eligible to earn the bonus points, does this include Additional Cardholders? Are they ineligible as well? Or just the primary cardholder?
Thanks
B

Reply
- finder Customer Care
  
  Charisse
  October 19, 2018
  
  Hi Brigitte,
  
  Thanks for reaching out to finder.
  
  This refers to primary cardholders since all the points earned on eligible purchases made by additional cardholders will still be credited to the primary cardholder’s account. Additional cardholders may not claim rewards, only primary cardholders.
  
  I hope this helps.
  
  Cheers,
  Charisse
  
  Reply
San
July 30, 2018

Hi.
If i Spend $3000 in first 90days on my westpac card alone, then how many bonus points will i get?

If i spend $1500 on westpac and $1500 on Amex in first 90days.will u get any bonus points??

If i cancel one card after an year , can i still keep another card
Appreciate your help
Thank you

Reply
- finder Customer Care
  
  Charisse
  August 8, 2018
  
  Hi San,
  
  Thank you for reaching out to finder!
  
  1. If I spend $3000 in first 90 days on my Westpac card alone, then how many bonus points will I get?
  
  -You will receive 60,000 bonus Qantas or Altitude Points when you spend $3,000 on eligible purchases on your new Westpac Altitude Platinum Visa Card within 90 days of card approval.
  
  2. If I spend $1500 on Westpac and $1500 on Amex in first 90 days. Will I get any bonus points?
  
  -You will not be eligible to receive the bonus points on both Westpac Altitude Platinum Visa and Amex cards however, you may still earn points as follows:
  
  American Express Westpac Altitude Platinum Card
  3 Altitude Points for every $1 spent on eligible purchases in foreign currency,
  2 Altitude Points for every $1 spent on eligible purchases in Australia
  1 Altitude Point for every $1 spent at government bodies in Australia such as Australia Post & the Australian Taxation Office
  
  Westpac Altitude Platinum Visa Card
  Altitude Point for every $1 spent on eligible purchases.
  
  3. If I cancel one card after a year, can I still keep another card?
  
  -You cannot cancel the Westpac Altitude Visa credit card because this is where the reward points are collected. However, you can cancel the Amex card as this is just an optional component. If you want to cancel the Amex card, you may also call American Express using the phone number written at the back of the Amex card.
  
  Cheers,
  Charisse
  
  Reply
Tristan
June 6, 2018

Hello!

Can the bonus points be transferred to Qantas points? 1:1 transfer rate etc?

Tristan

Reply
- finder Customer Care
  
  Jeni
  June 6, 2018
  
  Hi Tristan,
  
  Thank you for getting in touch with finder.
  
  The process for transferring frequent flyer points from a rewards credit card varies depending on the credit card provider and the frequent flyer program. Since this offer will give you 2 credit cards, you have to transfer them to Qantas FF differently.
  
  On this page, it will show you the Westpac Altitude Rewards program that you can convert points to a selection of major international airline frequent flyer programs. However Qantas FF is not part of it so I suggest that you verify it with them. You may call the Altitude Reward Centre at 1300 887 820 from 8am – 8pm (AEST), Monday to Friday excluding National Public Holidays.
  
  As a friendly reminder, while we do not represent any company we feature on our pages, we can offer you general advice.
  
  Now for the Amex card that earns Membership Rewards, you can transfer points to a wide range of frequent flyer programs using the following steps:
  
  -Log into your account.
  -Link your frequent flyer membership number to your Membership Rewards account.
  -Select the ‘redeem’ option.
  -Follow the prompts to transfer your Membership Reward points to your chosen frequent flyer program.
  
  1 Membership Rewards point = 0.5 Qantas Points
  
  Please note that the minimum transfer amount is 2,000 points. This is only available for cardholders enrolled in the Business Ascent and Ascent Premium programs.
  
  I hope this helps.
  
  Have a great day!
  
  Cheers,
  Jeni
  
  Reply
Lala
May 31, 2018

I previously had Westpac Altitude Black (not the Qantas version) in the past 12 months. If I apply for this one, will I still be eligible? As this one is the altitude points bonus, not the Qantas.

Reply
- finder Customer Care
  
  Jhez
  May 31, 2018
  
  Hi Lala,
  
  Thank you for your comment.
  
  According to Westpac, existing Westpac customers who currently hold an Altitude Platinum Visa Card or Altitude Black Mastercard, or who have held one in the last 12 months, are not eligible for the said offer. Hence, you’re not qualified to receive the points unfortunately.
  
  Regards,
  Jhezelyn
  
  Reply
Keat
May 31, 2018

Could I convert the 90,000 bonus Altitude Points to Krisflyer points? Please advise.

Reply
- finder Customer Care
  
  Jhez
  May 31, 2018
  
  Hi Ed,
  
  Thank you for your comment.
  
  Yes, you may convert Altitude points to Krisflyer points. Altitude points currently translate to KrisFlyer on a 2:1 basis (2 Altitude points = 1 KrisFlyer mile), with a minimum conversion of 3,000 Altitude points for 1,200 KrisFlyer Miles at a time and higher transfers accepted in multiples of 500 points.
  
  Regards,
  Jhezelyn
  
  Reply
Sam
May 31, 2018

Hi – are existing AMEX cardholders still eligible for the 15K bonus points if the minimum spend is met?

Reply
- Ash Munoz
  May 31, 2018
  
  Hi Sam,
  
  Thank you for visiting finder.
  
  Yes, you may still avail the 90,000 bonus points if you are an existing AMEX cardholder as long as it is not Altitude Platinum Visa Card or Altitude Black Mastercard. To avail the bonus points, you must submit your application before July 31, 2018 and meet the spend requirements within 90 days of your cards’ approval.
  
  I hope this helps.
  
  Let us know if there is anything else that we may assist you with.
  
  Cheers,
  Ash
  
  Reply

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American Express Westpac Altitude Platinum Bundle