In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
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Westpac Altitude Platinum Credit Card

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Westpac Altitude Platinum Card
Terms and conditions apply
Bonus points
120,000
Purchase rate
19.99% 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 and a discounted $49 annual fee in the first year, which goes to $175 after that.

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 31 July 2024 and spend 90 or more on eligible purchases in the first 90 days. Plus 30,000 bonus points after your first eligible purchase in the second year.

Pros

  • Up to 120,000 bonus Altitude Points offer
  • $49 first-year annual fee
  • 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

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question

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 19.99% 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. 19.99%
Interest-free period Up to 45 days on purchases
Cash advance rate p.a. 21.49%
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 $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 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 12 months.
  • Minimum income. You must earn an annual income of at least $30,000.

Card benefits

  • Up to 120,000 bonus Altitude Points. Apply for the Westpac Altitude Platinum by 31 July 2024 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 $49 in the first year when you apply by 31 July 2024. After the first year, the annual fee is $175 p.a.

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 19.99% p.a. on purchases and 21.49% p.a. on cash advances.

Your reviews

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Amy Finder

Editor

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Avatar

Ivan Brookfield

August 03, 2023

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


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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!


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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?


Avatar

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?


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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?


Avatar

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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