Westpac Altitude Credit Card – Rates and Fees

Information verified correct on September 29th, 2016
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The award-winning Westpac Altitude credit card offers 50,000 bonus points when you meet the minimum spend of $2,500 within 90 days from approval, plus a low balance transfer and purchase rate offer.

If you’re after a credit card that rewards you with choice, then the Westpac Altitude card is worth considering. You’ll have a choice of two lucrative rewards programs — the Altitude program or the Altitude Qantas — plus you’ll earn rewards points with either program you choose. New cardholders have a range of benefits to take advantage of, like 50,000 bonus points when they spend a minimum amount of $2,500 on eligible purchases within 90 days from card approval, 0% p.a. for 16 months on balance transfers and a low purchase offer of 1% for 12 months.

Product NameWestpac Altitude Card
Rewards ProgramWestpac Altitude Rewards
Balance transfer rate (p.a.)0% p.a. for 16 months
Balance Transfer Revert Rate
The interest rate after the balance transfer ends.
Purchase Rate (20.24% p.a.)
Balance Transfer Limit95% of available credit limit
Purchase rate (p.a.)1% p.a. for 12 months (reverts to 20.24% p.a.)
Offer end date11 October 2016
Annual fee$100 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.
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.
Minimum Monthly Repayment2% or $10, whichever is greater
Minimum Income$30,000
Card TypeAmerican Express/Visa
Late Payment Fee$9
Foreign Currency Conversion Fee (VISA)3% of transaction value
Foreign Currency Conversion Fee (AMEX)3.5% of transaction value
Complimentary Travel InsuranceNo
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.
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.
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.
Annual Fee$100 p.a.
Minimum Repayment2% or $10, whichever is greater
Late Payment Fee$9
Over Limit Fee$9
Cash Advance Fee2% of the value of the transaction or a minimum charge of $2.50
Overseas Emergency Replacement$0
Overseas ATM Balance check$0
Overseas ATM Withdrawal Fee$5
Foreign Currency Conversion Fee (VISA)3% of transaction value
Foreign Currency Conversion Fee (AMEX)3.5% of transaction value
Gambling Transactions AllowedYes
Gambling Transactions Interest RateCash Advance Rate
Additional Cardholder Fee$0 p.a.
Number of Additional Cardholders1
Direct DebitYes
Phone BankingYes
Internet Banking TransfersYes
In BranchYes


  • This card also comes with a balance transfer offer of 0% p.a. for 16 months.
  • Introductory interest rate offer of 1% p.a. for 12 months on purchases.
  • Get 50,000 after meeting the spend criteria.
  • This is a companion card which is both a MasterCard and an American Express linked to the one account. This lets you earn rewards more quickly.


  • This card only offers up to 45 days interest-free period when you make a purchase on this card.
The interest purchase rate of interest of 20.24% p.a. is high compared to other cards with a comparable annual fee.
Rewards ProgramWestpac Altitude Rewards
Bonus Points on Sign-up50,000
Rewards Points per $ (VISA/MC)1
Rewards Points per $ (AMEX)2
Rewards Points per $ (VISA/MC) Cap5,000
Rewards Points per $ (AMEX) Cap5,000
Points ExpiryNever

Westpac Altitude credit card review

The Altitude Credit Card allows you to earn Altitude Points on purchases you make using your credit card. As your account comes with two credit cards linked to one account, you can use whichever card offers the highest bonus points on purchases at any time.

You’ll automatically receive an American Express Card and a Visa Card that is linked to the same account, so you never have to worry about whether a retail outlet accepts your type of card.

Your cards are linked to the same account on the same credit limit, so you only ever receive one statement, yet you can benefit from accruing Altitude Points in plenty of ways.

You’re able to redeem your Westpac Altitude Points for items such as gift cards for major retail outlets, electrical goods, home-wares, wine, travel, clothing, technology or financial products.

Benefits of the Westpac Altitude credit card

  • 50,000 bonus points. Apply for the Westpac Altitude Platinum and receive 50,000 bonus points if you apply between 7 July 2016 and 11 October 2016 and spend a minimum amount of $2,500 on eligible purchases within 90 days from card approval.
  • Introductory purchase rate offer. Westpac Altitude Card customers can enjoy low interest purchasing with a 1% for 12 months introductory offer (reverts to the standard purchase rate of 20.24% p.a. after the promotional offer expires).
  • Balance transfer offer. Cardholders can benefit and manage their manage existing credit card debt with 0% p.a. for 16 months on balance transfers. This offer ends on 11 October 2016.
  • Dual card benefits. When you sign up for this card you will receive the Altitude American Express credit card and Altitude Visa credit card, allowing more points earnings and payment convenience.
  • Reward points earnings. Earn 2 points per dollar spent with your Altitude American Express Card. Earn 1 point per dollar spent with your Altitude Visa.

Features of the Westpac Altitude credit card

Your Altitude Points never expire, so save up your points for that special trip or anything else you want.

  • Annual fee. For new card customers, the annual fee is $100 and $0 annual fee in the first year for existing Westpac customers.
  • Reward programs. You can choose to earn either Altitude Rewards Points or Qantas Points.
  • Competitive rates. The Westpac Altitude credit card offers competitive interest rates for purchases and balance transfers. When it comes to purchases, you have a low interest rate of 1% for 12 months and a rate of 0% p.a. on transferred balances for up to 16 months. At the end of the balance transfer period, any unpaid balance from a balance transfer promotion will be charged at the variable purchase rate of 20.24% p.a.
  • Points cap. Earn a maximum of 5,000 Altitude Points on total purchases posted to your account in each statement cycle. Bonus points do not count towards the points cap.
  • Two credit cards. Get two credit cards – the Altitude American Express® Card and the Altitude Visa Credit Card.
  • Reward points. Earn 2 points per dollar spent with your Altitude American Express Card. Earn 1 point per dollar spent with your Altitude Visa.
  • Bonus points on travel service. Earn bonus points with our personalised travel service – Altitude Travel.
  • Credit card protection. Optional – Credit Card Repayment Protection is available to Westpac Altitude credit cardholders.
  • Additional cardholder. Get 1 additional cardholder for $0.

How to apply for a Westpac Altitude credit card

You’re able to submit your application online, but there are some information you’ll need to have handy before you apply.

Application requirements

  • Full name and contact details, including email address. Remember, you’ll need to provide a form of identification to your local Westpac branch to verify your full name and date of birth, so be sure you fill in these fields correctly.
  • You will need to be over 18 at the time of application.
  • You should be an Australian Citizen or permanent resident.
  • Westpac may also ask for your income details, which you’ll need to verify by providing copies of your pay slips or tax returns, or your accountant’s details if you’re self-employed. You also need to fill in your employer’s company name, address and contact details.

Once you’ve completed filling in the assets and liabilities section of the application, you’re almost done.

Your information remains private and confidential via Westpac’s secure online system, so there’s never any worry about your information getting into the wrong hands.

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43 Responses to Westpac Altitude Credit Card – Rates and Fees

  1. Default Gravatar
    Jack | August 28, 2016

    Temporary residents need to apply through migrant banking. Could u explain this T&C for me pls. Can full-time 573visa student apply for this card? What is requirement for to apply this card? How to apply through migrant banking?

    • Staff
      May | August 29, 2016

      Hi Jack,

      Thank you for your inquiry. Please note that you’ve come through to finder.com.au, not actually Westpac.

      Unfortunately, this Westpac Altitude Credit Card is only available for Australian citizens and permanent residents. I suggest that you contact Westpac’s Migrant Banking customer service team if you wish to apply for a Westpac credit card that is suitable to your current situation.

      Alternatively, you may like to read this article about credit cards available to temporary residents, which you may find useful.


  2. Default Gravatar
    RJ | July 26, 2016


    I have an Altitude Platinum Visa Already, this is connected to all other Westpac accounts. if for example I transfer $5000 from my Credit card to my savings account, what would be the charges?

    • Staff
      May | July 28, 2016

      Hi RJ,

      Thanks for your inquiry.

      When you conduct a fund transfer from your credit card to a bank account, that is considered as a cash advance. Generally, a cash advance has fees and interest and will be charged to your account at the time you made the transaction. So for your Westpac Altitude Credit Card, you’ll be charged:

      Cash Advance Fee = 2% of the value of the transaction or a minimum charge of $2.50
      Cash advance interest rate = 20.74% p.a.

      Please feel free to read this article on what transactions are considered as cash advance.


  3. Default Gravatar
    janelle | July 22, 2016

    i am an existing customer , can i upgrade to this card from the 55 day platinum ?

    • Staff
      Anndy | July 22, 2016

      Hi Janelle,

      Thanks for your question.

      If you are an existing Westpac credit card holder and would like to change into another Westpac card, this is possible by visiting a local branch, signing an online form or by calling them. I’ve sent you an email with Westpac contact number and link to the online form.


  4. Default Gravatar
    Sonya | May 25, 2016

    If I want to redeem my points as a credit card payment what are the points worth per dollar

    • Staff
      Anndy | May 25, 2016

      Hi Sonya,

      Thanks for your question.

      I’ve checked with Westpac and unfortunately, the cashback option to redeem Westpac points is no longer available. We have already updated our Westpac Altitude Credit Card page regarding this.


  5. Default Gravatar
    Margaret | December 4, 2015

    What is the minimum income to get a Westpac credit card

    • Staff
      Sally | December 7, 2015

      Hi Margaret,

      Thanks for your question.

      The Westpac Credit Card doesn’t advertise a minimum income. Instead, the application approval will be based on a number of factors including the credit history and income you provide.

      If you’d like to discuss your likelihood of acceptance before applying, you would benefit from getting in touch with the Westpac customer service team directly.



  6. Default Gravatar
    Paul | November 12, 2015

    Hi ,

    If I have a cc with a bank can I get another cc with the same bank and use the balance transfer offer.


    • Staff
      Sally | November 13, 2015

      Hi Paul,

      Thanks for your question.

      Whether you can complete the balance transfer will depend on a few things. For example, Westpac only accepts balance transfers from up to 3 non-Westpac Australian issued credit, charge or store cards. The debt you’re transferring can be a minimum of $200 up to 95% of your approved credit limit. To take advantage of the promotional balance transfer, you’ll need to apply before 17 January 2016. Make sure to read the terms and conditions to confirm that you’re eligible to apply before submitting your application.



  7. Default Gravatar
    terry | May 28, 2015

    How do I get flights from my points that I have earned?

    • Staff
      Jonathan | May 28, 2015

      Hi Terry, thanks for your inquiry!

      Please refer to the link I have sent to your email to redeem travel rewards with Westpac Altitude rewards points.



  8. Default Gravatar
    Vanessa | February 1, 2015

    Can I get a credit card on my age pension as I’m going overseas .

    • Staff
      Jonathan | February 2, 2015

      Hi Vanessa, thanks for your inquiry!

      Please see our guide on applying for a credit card service when receiving pension benefits on this page.

      I hope this helps!



  9. Default Gravatar
    Yvonne | November 11, 2014

    I currently have a Westpac Altitude Black credit card. When redeeming for flights i don’t feel you get a good deal. For example i had $350,000 altitude points and i couldn’t get a return flight to the UK. Other friends seem to get free flights with a lot less points. Does Westpac offer a credit card which offers good deals on redeeming points for flights?

    • Default Gravatar
      Roslyn | November 20, 2015

      What is the fee rebate mentioned in the below questions?

    • Staff
      Ally | November 20, 2015

      Hi Roslyn,

      Thanks for your inquiry.

      The Westpac Altitude no longer offers rebate on the card. It may have been a promotion at some point, but now they are offering existing Westpac customers a $0 annual fee in the first year instead.

      On the other hand, the rebate offer is still available on their 55 day card where if you spend $5,000 annually, you can get next year’s annual fee waived.

      I hope this answers your question.


    • Staff
      Elizabeth | November 12, 2014

      Hy Yvonne,

      Thanks for your question.

      Some Westpac credit cards give you a choice of rewards program – the Altitude rewards program or the Qantas Frequent Flyer program. You can compare Westpac credit cards on this page to see if a card that offers a choice of rewards programs might be better suited to your needs.

      I hope this has helped.



  10. Default Gravatar
    Colleen | June 26, 2014

    how do I receive a rebate on my annual card fee?

    • Staff
      Shirley | June 27, 2014

      Hi Colleen,

      Thanks for your question.

      On the Westpac website it states that, “the Fee Rebate process is automated. Cardholder will not receive a voucher, the fee is simply credited to your credit card account.”


    • Default Gravatar
      Colleen | June 27, 2014

      Thank you Shirley for prompt reply, do I assume that the credit will appear on my next statement as fee is charged on June 15th 2014?

    • Staff
      Shirley | June 30, 2014

      Hi Colleen,

      Thanks for your question.

      That’s a reasonable assumption; if the credit hasn’t appeared during the period, I would contact the customer service team at Westpac to enquire about it.


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