Westpac Altitude Platinum Credit Card – Rates and Fees

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 9 August 2018 and 27 November 2018 and spend the minimum amount of $3,000 on eligible purchases within 90 days from card approval.

Product NameWestpac Altitude Platinum Card
Rewards ProgramWestpac Altitude Rewards
Purchase rate (p.a.)20.24% p.a.
Offer end date27 November 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 TypeVisa
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 InsuranceYes
Minimum Income$30,000
Minimum Age18 years of age
Available To Temporary ResidentsYes - Conditions apply
Joint ApplicationNo
Annual fee$0 p.a. annual fee for the first year ($150 p.a. thereafter)
Minimum Monthly Repayment2% or $10, whichever is greater
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
Cash Advance Fee2% of the value of the transaction or a minimum charge of $2.50 will apply
Overseas Cash Advance Fee2%
Gambling Transactions AllowedYes
Additional Cardholder Fee$0
Number of Additional Cardholders1

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 ProgramWestpac Altitude Rewards
Bonus Points60,000 bonus points
Rewards Points per $ spent (VISA/MC)1
Rewards Points per $ (VISA/MC) CapUncapped

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 27 November 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 27 November 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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159 Responses

  1. Default Gravatar
    lozzMarch 27, 2018

    Eligible purchases do not include fees, cash, cash equivalent transactions, BPAY. Does this means bills (not through bpay) are ineligible?

    • finder Customer Care
      MayMarch 27, 2018Staff

      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

    • Default Gravatar
      March 27, 2018

      Thanks. So paying at a post office is eligible?

    • finder Customer Care
      MayMarch 27, 2018Staff

      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

  2. Default Gravatar
    ShaneMNovember 10, 2017

    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?

    • Default Gravatar
      JonathanNovember 10, 2017

      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

  3. 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?

    • Default Gravatar
      JonathanAugust 5, 2017

      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

  4. 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?

    • Default Gravatar
      LiezlAugust 4, 2017

      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

  5. 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?

    • finder Customer Care
      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

  6. 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

    • finder Customer Care
      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

  7. 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!

    • finder Customer Care
      LouJuly 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

    • finder Customer Care
      LouJuly 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

  8. Default Gravatar
    geoffJuly 6, 2016

    Can I transfer Westpac points to QANTAS frequent flyer points?

    • finder Customer Care
      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

  9. 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

    • finder Customer Care
      LouJune 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

  10. 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)

    • finder Customer Care
      LouApril 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

Credit Cards Comparison

Rates last updated October 22nd, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Low Fee Platinum Card - Exclusive Offer
19.74% p.a.
0% p.a. for 25 months
$90 p.a.
finder Exclusive: Take advantage of 0% p.a. interest for 25 months on balance transfers with no balance transfer fee.
Qantas Premier Everyday
19.99% p.a.
4.9% p.a. for 24 months
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Take advantage of up to 40,000 bonus Qantas Points, a $0 first year annual fee plus complimentary overseas travel insurance.
Westpac Low Rate Card
13.49% p.a.
0% p.a. for 24 months with 1% balance transfer fee
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
Offers a 0% for 24 month balance transfer option, first year annual fee waiver and a competitive purchase rate.
ANZ Low Rate
12.49% p.a.
0% p.a. for 15 months
$58 p.a.
Save with a 0% p.a. introductory rate on balance transfers for 15 months with no BT fee. Plus a low 12.49% p.a. interest rate on purchases.
Citi Clear Platinum Credit Card
12.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a 0% p.a. for 14 months balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks.
NAB Qantas Rewards Signature Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$295 p.a. annual fee for the first year ($395 p.a. thereafter)
Collect 90,000 bonus Qantas Points when you spend $4,000 within 60 days of account opening. Plus, a $295 annual fee in the first year.
St.George Vertigo Platinum
12.74% p.a.
0% p.a. for 26 months with 2% balance transfer fee
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a long-term balance transfer, $0 first year annual fee, complimentary travel insurance and access to a 24/7 personal concierge service.

Compare up to 4 providers

* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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