Westpac Altitude Platinum Card
- Receive up to 60,000 bonus Altitude points
$0 annual fee for the first year
Offer ends 23 October 2018
Eligibility criteria, terms and conditions, fees and charges apply
Earn 60,000 bonus Altitude Points and save with $0 annual fee for the first year with the Westpac Altitude Platinum card.
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 a $0 annual fee for the first year, 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 12 June 2018 and 23 October 2018 and spend the minimum amount of $3,000 on eligible purchases within 90 days from card approval.
| Product Name | Westpac Altitude Platinum Card |
|---|---|
| Rewards Program | Westpac Altitude Rewards |
| Purchase rate (p.a.) | 20.24% p.a. |
| Offer end date | 23 October 2018 |
| Annual fee | $0 p.a. annual fee for the first year ($150 p.a. thereafter) |
| 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. | $30,000 |
| Card Type | Visa |
| 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 |
| Complimentary Travel Insurance | Yes |
| Minimum Income | $30,000 |
|---|---|
| Minimum Age | 18 years of age |
| Available To Temporary Residents | Yes - Conditions apply |
| Joint Application | No |
| Annual fee | $0 p.a. annual fee for the first year ($150 p.a. thereafter) |
|---|---|
| Minimum Monthly Repayment | 2% or $10, whichever is greater |
| Late Payment Fee | $15 |
| Cash Advance Fee | 2% of the value of the transaction or a minimum charge of $2.50 will apply |
| Overseas Cash Advance Fee | 2% |
| Foreign Currency Conversion Fee 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% |
| Gambling Transactions Allowed | Yes |
| Additional Cardholder Fee | $0 |
| Number of Additional Cardholders | 1 |
Pros
- Receive 60,000 bonus Altitude points if you spend $3,000 on eligible purchases within 90 days of card approval.
- Save with $0 annual fee for the first year.
- There is no expiry on the points you earn on your card.
Cons
- There are only up to 45 days interest-free on purchases, as opposed to most cards with 55 days.
| Rewards Program | Westpac Altitude Rewards |
|---|---|
| Bonus Points | 60,000 bonus points |
| Rewards Points per $ spent (VISA/MC) | 1 |
| Rewards Points per $ (VISA/MC) Cap | Uncapped |
Benefits of the Westpac Altitude Platinum credit card
- 60,000 bonus Altitude Points. Apply for the Westpac Altitude Platinum to receive 60,000 bonus Altitude Points. To get the bonus points, you need to apply before 23 October 2018 and spend a minimum amount of $3,000 on eligible purchases within 90 days from card approval.
- $0 first year annual fee. Apply by 23 October 2018 and benefit from an annual fee waiver in the first year.
- Rewards program. With your Altitude Platinum credit card, you can earn point per $1 you spend, uncapped.
- 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.
- Additional cardholder. Earn points faster by adding 1 additional cardholder for $0.
- Mobile Payment Technology. You can link your Westpac Altitude Platinum credit card with Samsung Pay or Google Pay to make contactless payments at the checkout with your Samsung or Android 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. After the $0 first year annual fee offer, this card charges an annual fee of $150 p.a.
- Interest-free days. Westpac offers you a period of up to 45 days where you won’t be charged any interest on purchases.
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 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 rewards and gives you the option of what you'd like to earn. 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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Eligible purchases do not include fees, cash, cash equivalent transactions, BPAY. Does this means bills (not through bpay) are ineligible?
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
Thanks. So paying at a post office is eligible?
Hi Lozz,
Thanks for getting back. Yes, since payments through post office are not excluded. I would also suggest that you contact Westpac to get more information about earning of points on eligible purchases.
Cheers,
May
I currently have an American Express Platinum Edge, will that affect my eligibility for this offer? Or will it be fine because it’s a bank issued card?
Hi ShaneM,
Thank you for your inquiry.
Existing Westpac customers who currently hold an Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months are not eligible for this offer.
Kindly refer to Altitude Rewards Terms and Conditions for more information.
Hope this helps.
Cheers,
Jonathan
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?
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
when it says you need to spend $3000 on eligible purchases in the first 3 months, what is an ineligible purchase?
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
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?
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
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
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
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!
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
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
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
Can I transfer Westpac points to QANTAS frequent flyer points?
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
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
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
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)
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