Westpac Altitude Platinum Credit Card – Rates and Fees

29 June 2017

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.

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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