Westpac Altitude Platinum Credit Card – Rates and Fees

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Earn 60,000 bonus Qantas or Altitude Points and enjoy interest-free days on purchases while you redeem for travel rewards like flight upgrades, or for merchandise and gift cards.

When you have a Westpac Altitude Platinum credit card, you can choose between two different rewards programs and enjoy all of the benefits of a platinum card. Along with complimentary insurance covers and a personal concierge service, you can choose the Altitude Rewards program or the Altitude Qantas rewards program. Earn 60,000 bonus points when you apply between 29 June 2017 and 26 October 2017 and spend the minimum amount of $3,000 on eligible purchases.

The Altitude Platinum American Express card combines two cards into one account. It allows you to earn maximum points while the Altitude Platinum Visa card allows you to use the card worldwide.

Product NameWestpac Altitude Platinum Card
Rewards ProgramWestpac Altitude Rewards
Purchase rate (p.a.)20.24% p.a.
Offer end date26 October 2017
Annual fee$150 p.a.
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 45 days on purchases
Cash advance rate (p.a.)20.74% p.a.
Min credit limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
$6,000
Max credit limit
This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account.
$50,000
Minimum Monthly Repayment2% or $10, whichever is greater
Minimum Income$30,000
Card TypeAmerican Express/Visa
Late Payment Fee$15
Foreign Currency Conversion Fee (VISA)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3% of transaction value
Foreign Currency Conversion Fee (AMEX)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3.5% of transaction value
Complimentary Travel InsuranceYes
Available To Temporary ResidentsYes - Conditions apply
Joint ApplicationNo
Minimum Income$30,000
Minimum Age18 years of age
Available to Temporary ResidentsYes - Conditions apply
Credit Rating Requirement
Credit rating requirement is provided only as a guide. Understanding your credit file helps you make more informed decisions in regards to your finances. Learn more about what this means here.
Good
Min Credit Limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
$6,000
Max Credit Limit
This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account.
$50,000
Annual Fee$150 p.a.
Minimum Repayment2% or $10, whichever is greater
Late Payment Fee$15
Over Limit Fee$15
Cash Advance Fee2% of the value of the transaction or a minimum charge of $2.50 will apply
Overseas Emergency Replacement$0
Foreign Currency Conversion Fee (VISA)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3% of transaction value
Foreign Currency Conversion Fee (AMEX)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3.5% of transaction value
Gambling Transactions AllowedYes
Gambling Transactions Interest RateCash Advance Rate
Additional Cardholder Fee$0 p.a.
Number of Additional Cardholders1
BPAYYes
ChequeYes
Direct DebitYes
Internet Banking TransfersYes
In BranchYes
MailYes

Pros

  • Receive 60,000 bonus points if you spend $3,000 on eligible purchases within 90 days of card approval.
  • You can choose from a variety of airlines with which to claim your points as opposed to a set package with one airline.
  • There is no expiry on the points you earn on your card.

Cons

  • This credit card does not currently offer any introductory rates on purchases or balance transfers.
  • There are only up to 45 days interest-free on purchases, as opposed to most cards with 55 days.
  • This card charges a relatively high annual fee of $150.
Rewards ProgramWestpac Altitude Rewards
Bonus Points on Sign-up60,000
Rewards Points per $ (VISA/MC)1
Rewards Points per $ (AMEX)2
Rewards Points per $ (VISA/MC) Cap7,500
Rewards Points per $ (AMEX) Cap7,500
Points ExpiryNever

Westpac Altitude Platinum credit card review

Earn 2 Altitude Points for every dollar spent through American Express and 1 point for each dollar spent through Visa. If you choose the Qantas Points program, you’ll earn 1 Qantas Point for every dollar spent through American Express and you’ll earn 0.5 Qantas Points for each dollar spent through Visa.

The Altitude Platinum credit card from Westpac can be used to make everyday purchases since it is backed by both American Express and Visa. It can be used worldwide so you can earn points even while travelling abroad. You can also benefit from competitive variable interest rates for purchases and cash advances.

There are also additional features like a concierge service that is available 24/7. Complimentary insurance covers including travel insurance is also available through this credit card. You can also add additional card users and take advantage of excellent security features.

Benefits of the Westpac Altitude Platinum credit card

  • 60,000 bonus Qantas or Altitude Points. Apply for the Westpac Altitude Platinum to receive 60,000 bonus Qantas or Altitude Points. To get the bonus points, you need to apply between 29 June 2017 and 26 October 2017 and spend a minimum amount of $3,000 on eligible purchases within 90 days from card approval.
  • Rewards program. With your Altitude Platinum credit card, you can choose between the Altitude Rewards program, where you can earn points towards rewards like merchandise and gift cards, or the Altitude Qantas program that allows you to earn Qantas Points toward travel expenses. With the Altitude program, you can earn 1 per $1 with the Visa or 2 points for every dollar you spend on your American Express. If you opt to earn Qantas Points, you'll earn 0.5 points per $1 on your Visa and 1 point for each dollar spent with your American Express.
  • Complimentary insurances. You get a wide range of insurance covers with your platinum credit card. You can benefit from overseas travel insurance that includes medical expenses, lost or damaged property, personal liability, and more. You’ll also enjoy transit accident insurance, purchase security insurance and extended warranty coverage.
  • Samsung Pay. You can link your Westpac Altitude Platinum credit card with Samsung Pay to make contactless payments at the checkout with your Samsung device.

Features of the Westpac Altitude Platinum credit card

  • Purchase rate. This credit card has a variable interest rate of 20.24% p.a. on purchases.
  • Cash advance rate. You'll collect 20.74% p.a. on cash advances.
  • Annual fee. New card customers will have to pay an annual fee of $150.
  • Interest-free days. Westpac offers you a period of up to 45 days where you won’t be charged any interest on purchases. This means that you can make purchases during this time period and you won’t have to worry about paying interest. This lets you save money while you continue to earn reward points by making purchases.
  • Security features. You can feel secure knowing that your platinum card is protected through multiple security features. For instance, your card will have an embedded microchip while the Cardshield program defends against fraud. You can also benefit from the Fraud Money Back Guarantee that will reimburse you for any unauthorised transactions that may happen. You can also get optional repayment protection that covers repayments if you lose your job or become temporarily or permanently disabled or ill. There are also other insurance programs available for additional security like purchase protection.

How to apply for the Westpac Altitude Platinum credit card

You can apply for the Altitude Platinum credit card by filling out the online application and receive a response within 60 seconds. In order to apply for this credit card you have to make sure you meet the eligibility requirements first.

Eligibility criteria

  • You must be at least 18 years of age.
  • You must have a good credit rating.
  • You must be a permanent Australian resident or Australian citizen. Please note that those holding a student visa aren’t eligible for and temporary visa holders must apply through migrant banking.
  • You must earn an annual income of at least $30,000.

Required documents

Once you know whether you’re eligible to apply for the card you can begin to apply. The application process takes about 15 minutes to complete but the process can go quicker if you gather up all necessary documents beforehand:

  • You’ll need proof of identification. This can be your driver’s license (complete with the number on it) or a valid passport.
  • You’ll also need proof of your income and financial history. This can be payslips or tax documents.
  • You’ll also need your employer’s details like the address and phone number and proof of any other financial commitments like investment properties.

The Westpac Altitude Platinum credit card takes the benefits of two credit cards and links them to one account. You can earn reward points toward things like travel expenses or gift cards. Remember to compare similar credit card offers in order to get the most fitting deal in regards to your financial situation.

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153 Responses

  1. Default Gravatar
    DanCAugust 4, 2017

    Can I check if the Altitude Platinum card’s annual fee is $150 per card or each?
    Also do we get first year annual fee waived? Or the fee is charged upfront?

    • Staff
      JonathanAugust 5, 2017Staff

      Hello DanC,

      Thank you for your inquiry.

      The annual fee is charged per account (meaning for both cards Visa and AMEX). Currently, there is no first year waiver promo. It will be charged (where a fee applies) following the first transaction. The fee is then charged in subsequent years on or after the anniversary of the first Cash Advance or purchase transaction.

      You can refer to page 25 of Consumer Credit Cards – Conditions of Use located in Altitude Platinum webpage.

      Hope this helps.

      Cheers,
      Jonathan

  2. Default Gravatar
    MichaelAugust 4, 2017

    when it says you need to spend $3000 on eligible purchases in the first 3 months, what is an ineligible purchase?

    • Staff
      LiezlAugust 4, 2017Staff

      Hi Michael,

      Thanks for your question. Eligible purchases do not include fees, cash, cash equivalent transactions, BPAY, refunds and balance transfers debited from the card account. Moreover, cash equivalent transactions include, but not limited to, using the card account to purchase gambling chips or tokens, traveller’s cheques or money orders, or to load value to a stored value card or facility.

      Cheers,
      Liezl

  3. Default Gravatar
    PaulFebruary 5, 2017

    it says 3% for Foreign Currency Conversion Fee on the AMEX.
    does that mean there is no Foreign Currency Conversion Fee on the visa card?
    Also where can i read about the included travel insurance?

    • Staff
      MayFebruary 6, 2017Staff

      Hi Paul,

      Thanks for your question.

      The foreign currency conversion fee for the Westpac Altitude Platinum Visa card is actually 3.0% whilst for the AMEX card, it’s 3.5%.

      Cheers,
      May

  4. Default Gravatar
    August 11, 2016

    Hi, I have the low rate Westpac credit card. Would I be eligible for this card (with promotion)? Also if I apply online, would it automatically switch from low rate to the platinum (rather than having two cards)? Cheers

    • Staff
      MayAugust 11, 2016Staff

      Hi The_starts_above,

      Thank you for your inquiry.

      You can actually apply for the Westpac Altitude Platinum Credit Card and you may not be eligible for the special promotion for the 50,000 bonus Qantas or Altitude points. Please note that you will only be ineligible for the special promotion if you currently hold an Altitude, Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months, as stated in the fine prints. You can find more details about the conditions in the fine prints when you click on the ‘Go to site’ button above.

      Also, it is not automatic to switch to one card only if you will be approved for another card, for instance, this Westpac Altitude Platinum Credit Card. If you want to keep just one card, you may need to cancel/close your existing card (Low rate card) by calling Westpac. Please note though that you can only close your current card if you have paid off all your outstanding balance.

      Cheers,
      May

  5. Default Gravatar
    HannahJuly 22, 2016

    Hi there,
    Just wanted to find out if I were to add an additional card holder to my Altitude Platinum Credit card, will the additional card holder also be covered for the complimentary travel insurance?

    Thanks!

    • Staff
      AnndyJuly 28, 2016Staff

      Hi Hannah,

      Thanks for your question.

      Yes, cardholders and additional cardholders of Westpac Altitude Platinum Credit Card are entitled to receive complimentary travel insurance coverage, provided that the eligibility criteria to receive such benefits are met. However, please note that if you are travelling as a family, only one person can claim the benefits payable to the cardholder while the other members of your family can claim as a spouse or dependent child.

      Cheers,
      Anndy

    • Default Gravatar
      HannahJuly 28, 2016

      Hi Anndy,
      Thanks for your response. What are the eligibility criteria to receive the benefits?

      So, if say for example, I’m going to go on holidays with my parents, my father (the primary card holder) purchases the all 3 tickets on his card.

      And, I (over 18 years old, non-dependant child), being an additional card holder, will I be covered for travel insurance?

      Cheers,
      Hannah

    • Staff
      AnndyJuly 28, 2016Staff

      Hi Hannah,

      Thanks for getting back and you’re welcome.

      I’ve sent you an email with a link to Westpac Credit Cards Complimentary Insurance Policy where you can find the eligibility criteria to be eligible for the insurance cover.

      With regard to your situation, I’m not really sure if you will be covered or not since you are no longer considered a dependent child and is travelling with the primary cardholder. I suggest that you directly inquire from QBE about your situation. I’ve also sent you their contact details for your convenience.

      Cheers,
      Anndy

  6. Default Gravatar
    geoffJuly 6, 2016

    Can I transfer Westpac points to QANTAS frequent flyer points?

    • Staff
      MayJuly 6, 2016Staff

      Hi Geoff,

      Thanks for your question.

      Just to confirm, what type of Westpac card do you have?

      Yes, if you are a member of a frequent flyer program participating in Altitude you may convert your Altitude Points to your nominated participating airline’s frequent flyer points, like Qantas. It takes three business days to convert your Altitude Points to Qantas frequent flyer points.

      You also have the option to change between earning points with the Qantas Frequent Flyers program and Altitude Rewards Points by contacting the Altitude team. I’ve forwarded to your email the Westpac Altitude Rewards Centre contact details.

      In case you wish to switch from Altitude Rewards to Qantas Frequent Flyers, you must use your Altitude points within 90 days. Switches from Qantas Frequent Flyers to Altitude Rewards points will allow the Qantas points earned to stay in your Qantas account.

      I hope this has helped.

      Cheers,
      May

  7. Default Gravatar
    MaryJune 3, 2016

    I have an altitude platinum visa and Amex card do these come with complimentary passes into the qantas club or associated airlines lounges here and overseas
    Regards Mary

    • Staff
      AnndyJune 6, 2016Staff

      Hi Mary,

      Thanks for your comment.

      Unfortunately, the Westpac Altitude Platinum Credit Card does not come with Free Airport Lounge Access. If you want a credit card that gives you access to airport lounges around the world, you can compare your options here.

      I hope this helps.

      Cheers,
      Anndy

  8. Default Gravatar
    colleenApril 27, 2016

    Hello, I want to know if I qualify for the 40000 sign up points for Altitude Platinum card.
    My husband currently has a Altitude Black card and I am the secondary card holder but he has recently retired and we wish to reduce our annual fee whilst retaining the Altitude benefits.
    My husband will be cancelling his card and he will become the secondary card holder, given that I am now the income earner (still working)

    • Staff
      AnndyApril 27, 2016Staff

      Hi Colleen,

      Thanks for your inquiry.

      If you will be the primary card holder for the Westpac Altitude Platinum Credit Card and you have not been an existing primary card holder for Westpac, ST George, Bank of Melbourne or Bank SA in the past 12 months, you will be eligible to receive the bonus points.

      I hope this answers your question.

      Cheers,
      Anndy

  9. Default Gravatar
    colleenApril 27, 2016

    Hi, I am wanting to know if I will get the 40000 sign up points for Westpac Platinum card. My Husband currently has a Black Altitude card and I am a second card holder.My husband has recently retired and we are now seeking to reduce our annual fee and so plan on transferring from Black to Platinum. I would be the primary card holder with my husband as second card holder.
    Thanks Colleen

    • Staff
      YsaApril 29, 2016Staff

      Hi Colleen,

      Thanks for your question,

      Since you are currently the secondary card holder, you will still be eligible to apply as the primary card holder on the Westpac Altitude Platinum Credit Card and receive the 40,000 bonus points offer.

      So long as you meet the eligibility requirements, you should have no trouble applying for this credit card.

      Alternatively, you might also like to get in touch with the Westpac customer service team to discuss the eligibility requirements and your likelihood of acceptance.

      I hope this helps.

      Cheers,
      Ysa

  10. Default Gravatar
    AlipalApril 21, 2016

    Please explain extended warranty on purchase made with an Altitude card. Does the length of the extension depend on the purchase price? Do I have to register the purchase in any way apart from using my cards?

    • Staff
      MayApril 21, 2016Staff

      Hi Alipal,

      Thanks for your inquiry.

      With Westpac Extended Warranty Insurance, the actual length of the warranty extension is usually equivalent to the length of warranty originally issued for the product. For Westpac Altitude Platinum Qantas cardholders, they will have their warranty extended for up to a maximum of 12 months.

      Apart from paying the first A$250 for each claim, you must obtain Zurich’s approval first and present them a copy of the Australian warranty in order to get a claim. I’ve sent to your email the contact details of Zurich for your convenience.

      Hope this helps.

      Cheers,
      May

Credit Cards Comparison

Rates last updated October 22nd, 2017
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Premium Card - Exclusive Offer
19.74% p.a.
0% p.a. for 24 months
$90 p.a.
Exclusive to finder.com.au and available until 12 November 2017, enjoy a no BT fee, long-term balance transfer offer and complimentary insurances.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
20.74% p.a.
0% p.a. for 18 months
$129 p.a.
Earn 3 bonus Velocity Points per $1 for the first 3 months, a first year annual fee refund and a yearly $129 Virgin Australia Gift Voucher.
St.George Vertigo Platinum
12.74% p.a.
0% p.a. for 24 months with 2% balance transfer fee
$99 p.a.
Offers complimentary travel insurance, complimentary purchase insurance and access to a 24/7 personal concierge service.
ANZ Platinum Credit Card - Exclusive Offer
0% p.a. for 3 months (reverts to 19.74% p.a.)
0% p.a. for 12 months
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
Exclusive to finder, receive 0% p.a. interest on purchases for 3 months and 0% p.a. on balance transfers for 12 months with no balance transfer fee.

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