Westpac Altitude Credit Card Information
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The award-winning Westpac Altitude credit card offers a great rewards program that can be redeemed for plenty of consumer items.
| Product Name | Westpac Altitude Card | |
|---|---|---|
| Balance Transfer Rate | 3.99% p.a. for 6 months | |
| Interest Rate on Purchases | 19.99% p.a. | |
| Offer end date | 1 July 2013 | |
| Annual Fee | $100 p.a. | |
| Interest Free Period | up to 45 days | |
| Interest Rate on Cash Advances | 21.59% p.a. | |
| Minimum 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.
|
$1,000 | |
| Max Credit Limit | $30,000 | |
| Minimum Monthly Repayment | 2% | |
| Credit Card Type | American Express/MasterCard | |
| Late Payment Fee | $9 | |
| Complimentary Travel Insurance | No | |
| Available to Temporary Residents | Yes | |
| Joint Application | No |
Your Altitude points never expire, so save up your points for that special trip or anything else you want.
- 3.99% p.a. for 6 months balance transfer offer
- 10000 bonus Altitude rewards points* (offer excludes packages and switchers)
Key Features
- Get two credit cards – the Altitude AmericanExpress® Card and the Altitude MasterCard
- Earn 2.00 points per dollar spent with your Altitude American Express Card
- Earn 1.00 point per dollar spent with your Altitude MasterCard
- Earn bonus points with our personalised travel service – Altitude Travel
- Optional – Credit Card Repayment Protection
Westpac Altitude Credit Card Review
The Westpac 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 have the option of applying for either a MasterCard or a Visa Card and you automatically receive an American Express 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. You can even choose to have your rewards points redeemed as a cash-back amount paid back onto your credit card balance if you choose.
The Westpac Altitude American Express credit cards were awarded ‘Best Rewards Credit Card’ for 2010 by Money Magazine, which prides itself on uncovering the best financial products for consumers and providing a clear award system so you always know you’re getting the best value.
Westpac Altitude Credit Card – Application
You’re able to submit your Westpac Altitude credit card application online, but there is some information you’ll need to have handy before you apply.
On the easy, secure online application, you’ll be asked to fill in your 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 and 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 Westpac Altitude credit card 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.
Read the Westpac Altitude Card terms and conditions.
| Minimum Age | 18 years of age | |
|---|---|---|
| Available to Temporary Residents | Yes - Conditions apply | |
| Credit Rating Requirement | Good | |
| 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. | $1,000 | |
| Max Credit Limit | $30,000 |
| Annual Fee | $100 p.a. | |
|---|---|---|
| Minimum Repayment | 2% | |
| Late Payment Fee | $9 | |
| Over Limit Fee | $9 | |
| Overseas Emergency Replacement | $0 | |
| Overseas ATM Balance check | $0 | |
| Overseas ATM Withdrawal | $2.50 | |
| Foreign Currency Conversion Fee | 2% | |
| Gambling Transactions Allowed | No | |
| Additional Cardholder Fee | $0 |
Pros
- 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.
Cons
- 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 19.99% is high compared to other cards with a comparable annual fee.
Read the Westpac Altitude Card terms and conditions.
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11 Responses to Westpac Altitude Credit Card Information
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I have one of these and it\’s a scam.
You have to spend $30,000 a year to earn enough points for a $200 store voucher (eg Myer, DJ\’s). The annual card fee is $150, so it almost cancels the benefit out unless you\’re spending more than $30k a year or you travel a lot and need a lot of insurance. I\’m going to cash in my points and cancel this card before the next annual fee is due! (by the way, it has gone up by $25 a year for the past few years, next year it\’ll probably be $175, or maybe even $200!!).
Editor
The $150 card fee is quite a bit. I personally have the altitude rewards card which only has a $100 card fee. I know what you mean by it taking a long time to get enough reward points I just recently converted my points into a Cannon digital camera. I had 100,000 points but it took me 7 years to get them. That included: Buying my finances engagement ring, going on 3 holidays and pretty much running my life on that 1 card all that time. I also only have a $1,000 limit and so I think that has dragged the process out even longer. The only thing is that I got the camera for free when I really needed one and I appreciated the convenience of the credit card, i.e. not having to transfer funds in and out of my savings account all the time and instead gaining the interest on the funds. I can understand that paying $150 per year might be a bit much when you could just wait 2 years and buy that camera without the card. I guess it goes back to why do you need a credit card in the first place.
I tried recently to redeem a one way flight from Perth to Sydney with this card. I was getting quoted up to 80,000 points. If using QANTAS FF points, its only 18,000. Why is there such a huge difference. It begs the question as to why bother with this card if i mainly want a CC to earn QANTAS FF points. It would seem the Westpac Earth card is the way to go. Regards
How do I redeem altitude points from my Platinum visa card into cash?
I have about 84,000 pts. What is the monetary value?
Hi Hendrik. You are not able to redeem your altitude rewards for cash-back. You can redeem your points to cover your credit card’s annual fee, Westpac Home Loan Fee rebates and invest them into your superannuation account. You can also redeem your points for gift cards at popular stores and Australian chains. Please refer to the Altitude Rewards website for further information. Thanks for your question.
Hi, we have Westpac Altitude credit cards, Visa & American Express. Are our rewards capped?
Regards Helen
Hi Helen. Thanks for your question. According to the Westpac website, ‘a points cap of 5,000 points applies when using either or both cards. Bonus points do not count towards the points cap.’ This applies from 17 June 2013. Jacob.
I have received an application for an Altitude Black Card, however, after reading the info I can not see at what level on my old Westpac Altitude Card the ‘capping of points’ is activated. This is an important issue in deciding whether I proceed with the ‘Black Card’ or not.
Hi Lynne. Thanks for your question. According to the Westpac website, ‘a points cap of 5,000 points applies when using either or both cards. Bonus points do not count towards the points cap.’ This applies from 17 June 2013. The Altitude Black Card does not have a points cap. Jacob.
Hi , I have a question , I got an invitation to the Westpac Black credit card . Can I redeem points for the annual rebate fees ? At the moment I have The Altide Platinum card …and with 25000 points I redeem $ 150.00 to my annual fee !I have been to my Westpac branch last week and they don’t know ! Thank you . Maria
Hi Maria. Great question. Although you will have a new card, you will continue to earn Altitude Rewards, which is the same rewards program as your old card. You can continue to redeem your points for a rebate on your card. The annual fee may be higher; however, you can still redeem your points for a fee rebate. Jacob.