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Westpac Altitude Platinum Credit Card
Last updated:
Earn 80,000 bonus Altitude Points and enjoy complimentary insurance covers with the Westpac Altitude Platinum card.
When you apply by 11 November 2020, you’ll earn 80,000 bonus points when you spend $3,000 on eligible purchases within the first 90 days from card approval. It also has a reduced annual fee of $99 in the first year, reverting to $150 p.a. thereafter.
0% p.a.
Balance transfer rate
for 18 months with 1% balance transfer fee
80,000
Bonus points
20.49% p.a.
Purchase rate
1
Reward point
Per $ spent (Visa/Mastercard)
Details
| Product Name | Westpac Altitude Platinum Card |
|---|---|
| Rewards program | Westpac Altitude Rewards |
| Balance transfer rate | 0% p.a. for 18 months with 1% balance transfer fee |
| Balance Transfer Revert Rate | Cash Advance Rate (21.49% p.a.) |
| Balance Transfer Limit | 80% of available limit |
| Purchase rate (p.a.) | 20.49% p.a. |
| Annual fee | $99 p.a. annual fee for the first year ($150 p.a. thereafter) |
| Interest-free period | 45 days |
| Cash advance rate (p.a.) | 21.49% p.a. |
| Min credit limit | $6,000 |
| Max credit limit | $30,000 |
| Card type | Mastercard |
| Foreign currency conversion fee (Visa/Mastercard) | 3% |
| Complimentary travel insurance | Yes |
| Minimum Income | $30,000 |
|---|---|
| Minimum age | 18 years of age |
| Available to temporary residents | Yes - Conditions apply |
| Joint application | No |
Pros
- 80,000 bonus Altitude Points when you spend $3,000 in 90 days
- $99 first-year annual fee ($150 p.a. thereafter)
- Introductory balance transfer of 0% p.a. for the first 18 months
- Earn up to 3 Altitude Points per $1 spent, uncapped
- Complimentary travel insurance covers
Cons
- A one-time 1% balance transfer fee applies
- 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
| Rewards program | Westpac Altitude Rewards |
|---|---|
| Bonus Points | 80,000 bonus points |
| Rewards Points per $ spent (Visa/Mastercard) | 1 |
| Annual fee | $99 p.a. annual fee for the first year ($150 p.a. thereafter) |
|---|---|
| Minimum monthly repayment | 2% of the closing balance or $10, whichever is greater |
| Late payment fee | $15 |
| Foreign currency conversion fee (Visa/Mastercard) | 3% |
| Cash Advance Fee | 2% or $2.50, whichever is greater |
| Overseas cash advance fee | 2% |
| Additional cardholder fee | $0 |
| Number of additional cardholders | 1 |
Expert review
Review by
Sally McMullen
sally.mcmullen@finder.com.auSally McMullen is a creative content producer at Finder, co-hosts our Pocket Money podcast and wrote about credit cards for almost five years. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone. She has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.
