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Westpac Altitude Platinum Credit Card

Sally McMullen
Sally McMullen
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

We’re committed to our readers and editorial independence. We don’t compare all products in the market and may receive compensation when we refer you to our partners, but this does not influence our opinions or reviews. Learn more about Finder .

Details

Product NameWestpac Altitude Platinum Card
Rewards programWestpac Altitude Rewards
Balance transfer rate0% p.a. for 18 months with 1% balance transfer fee
Balance transfer revert rateCash Advance Rate (21.49% p.a.)
Balance transfer limit80% of available limit
Purchase rate20.49% p.a.
Annual fee$99 annual fee for the first year ($150 p.a. thereafter)
Interest-free period45 days
Cash advance rate21.49% p.a.
Min credit limit$6,000
Max credit limit$30,000
Card typeMastercard
Foreign currency conversion fee3%
Minimum income$30,000
Available to temporary residentsYes - Conditions apply
Joint applicationNo

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 programWestpac Altitude Rewards
Bonus points80,000
Rewards points per $ spent1
Annual fee$99 annual fee for the first year ($150 p.a. thereafter)
Minimum monthly repayment2% of the closing balance or $10, whichever is greater
Late payment fee$15
Foreign currency conversion fee3%
Cash advance fee2% or $2.50, whichever is greater
Overseas cash advance fee2%
Additional cardholder fee$0
Number of additional cardholders1
Go to Westpac's siteMore info

Expert review

Sally McMullen

Review by

Sally 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.

Expert review

The Westpac Altitude Platinum credit card is suited to points hunters looking for a modest rewards program and low annual fee. If you regularly shop with the increased earn rate partners, you could get a lot of value for your spend. Keep in mind however, that regular spending like groceries and petrol will only earn 1 Altitude Point per $1 spent.

This card offers complimentary travel insurance, but it doesn’t come with other travel perks like airport lounge passes or vouchers that you can expect with more premium rewards cards. If you prefer to earn frequent flyer points for your spending, check out our review of the Westpac Altitude Platinum - Velocity card or the Westpac Altitude Platinum - Qantas card.

How to apply

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

Eligibility criteria

  • Minimum income. You must earn an annual income of at least $30,000.
  • Residency. 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.
Go to Westpac's siteMore info

Card benefits

  • 80,000 bonus Altitude Points. Apply for the Westpac Altitude Platinum by 11 November 2020 to receive 80,000 bonus Altitude Points when you spend a minimum amount of $3,000 on eligible purchases within 90 days from card approval. As an example, you could redeem these points for $250 cashback on your account (70,500 points for two $100 redemptions and one $50 redemption) or $340 worth of Woolworths Group WISH eGift cards (79,900 points for three $100 eGift cards and two $20 eGift cards). The bonus points will be credited to your account within 12 weeks of meeting the spend criteria.
  • Discounted first-year annual fee. Save with a reduced annual fee of $99 for the first year, reverting to $150 p.a. thereafter when you apply by 11 November 2020.

Rates & fees

  • Annual fee. Outside of any promotions, this card charges an annual fee of $150.
  • Interest rates. This credit card charges a variable interest rate of 20.49% p.a. on purchases and 21.49% p.a. on cash advances.
Go to Westpac's siteMore info

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165 Comments

  1. Default Gravatar
    Dos
    May 16, 2019

    Hi, I had this card previously but cancelled it in December last year. Will I still be eligible for the Qantas points if I apply? Thanks!

    Reply
    • Avatarfinder Customer Care
      Jhez
      May 17, 2019

      Hello Dos,

      Thank you for your comment.

      According to the terms and conditions of Westpac Altitude Platinum Card, existing Westpac customers who currently hold an Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months, are not eligible for this offer. Therefore, you’re not eligible to receive the bonus points if you reapply, unfortunately.

      Regards,
      Jhezelyn

      Reply
  2. Default Gravatar
    Muhammad
    April 19, 2019

    What is cancellation fee for this Altitude Platinum credit card? Also if I apply for one more card from other bank, would that effect getting this
    Altitude Platinum credit card?

    Reply
    • Avatarfinder Customer Care
      Jeni
      April 20, 2019

      Hi Muhammad,

      Thank you for getting in touch with Finder.

      There’s no cancellation fee if you cancel this card. If you apply for another credit card from a different bank, it will not affect your application for this card unless too many credit card applications result to low credit limit – credit enquiries.

      Please make sure though to read the eligibility criteria, features and details of the card, as well as the relevant PDS/ T&Cs of the card before making a decision and consider whether the product is right for you.

      I hope this helps.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

      Reply
  3. Default Gravatar
    Maureen
    February 28, 2019

    With Westpac Altitude Platinum credit card, how many points per $1 do you achieve?

    Reply
    • Avatarfinder Customer Care
      Jeni
      March 2, 2019

      Hi Maureen,

      Thank you for getting in touch with Finder.

      You’ll earn 1 Altitude Rewards point per $1 you spend on eligible purchases, uncapped.

      I hope this helps.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

      Reply
  4. Default Gravatar
    lozz
    March 27, 2018

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

    Reply
    • Avatarfinder Customer Care
      May
      March 27, 2018

      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

      Reply
    • Default Gravatar
      Lozz
      March 27, 2018

      Thanks. So paying at a post office is eligible?

      Reply
    • Avatarfinder Customer Care
      May
      March 27, 2018

      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

      Reply
  5. Default Gravatar
    ShaneM
    November 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?

    Reply
    • Default Gravatar
      Jonathan
      November 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

      Reply
  6. Default Gravatar
    DanC
    August 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?

    Reply
    • Default Gravatar
      Jonathan
      August 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

      Reply
  7. Default Gravatar
    Michael
    August 4, 2017

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

    Reply
    • Default Gravatar
      Liezl
      August 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

      Reply
  8. Default Gravatar
    Paul
    February 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?

    Reply
    • Avatarfinder Customer Care
      May
      February 6, 2017

      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

      Reply
  9. Default Gravatar
    The_starts_above
    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

    Reply
    • Avatarfinder Customer Care
      May
      August 11, 2016

      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

      Reply
  10. Default Gravatar
    Hannah
    July 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!

    Reply
    • Avatarfinder Customer Care
      Dee
      July 28, 2016

      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

      Reply
    • Default Gravatar
      Hannah
      July 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

      Reply
    • Avatarfinder Customer Care
      Dee
      July 28, 2016

      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

      Reply
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