Westpac Altitude Platinum Credit Card – Rates and Fees

Information verified correct on September 23rd, 2016
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Earn 50,000 bonus Qantas or Altitude Points and enjoy a low introductory interest rate offer on purchases while you redeem 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 concierge service. Along with complimentary insurance covers, you can choose the Altitude Rewards program or the Altitude Qantas reward program. Earn 50,000 bonus points when you apply between 7 July 2016 and 11 October 2016 and spend the minimum amount of $2,500 on eligible purchases, enjoy 0% p.a. for 16 months on balance transfers and a low introductory purchase rate offer of 1% for 12 months.

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.

Product NameWestpac Altitude Platinum 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$150 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 (AMEX)3.5% of transaction value
Complimentary Travel InsuranceYes
Complimentary Travel Insurance Cover3 months
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$150 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 will apply
Overseas Emergency Replacement$0
Overseas ATM Balance check$0
Overseas ATM Withdrawal Fee$5
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
  • Enjoy 0% p.a. on balance transfers for the first 16 months.
  • You can choose from a variety of airlines with which to claim your points as opposed to a set package with one airline.
  • 1% p.a. for 12 for purchases
  • There is no expiry on the points you earn on your card.
  • There are only 45 days interest free when you make a purchase on your card.
  • A high annual fee of $150, so this card is not worth the fees unless you plan to milk your rewards package
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) Cap7,500
Rewards Points per $ (AMEX) Cap7,500
Points ExpiryNever

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

  • 50,000 bonus Qantas or Altitude Points. Apply for the Westpac Altitude Platinum to receive 50,000 bonus Qantas or Altitude Points. To get the bonus points, you need to 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. If you apply for a Westpac Altitude Platinum Credit Card and get approved, you can purchase now pay less interest with its 1% p.a. for 12 months promotional rate (reverts to the standard purchase rate of 20.24% p.a. after the promotional period).
  • Promotional balance transfer offer. This card provides a promotional interest rate of 0% p.a. for 16 months on balance transfers. Offer ends on 11 October 2016.
  • 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.
  • 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 first program you can earn 1 or 2 points for every dollar you spend while the Qantas program gives you 0.5 points to 1 point for each dollar spent.

Features of the Westpac Altitude Platinum credit card

  • Competitive rates, fees, and offers. When you use the Westpac Altitude Platinum credit card you can enjoy competitive interest rates and benefit from special offers too. This credit card has a variable interest rate of 20.24% p.a. on purchases and 20.74% p.a. on cash advances. You’re also subject to over-limit fees, missed payment fees and a cash advance fee.
  • Annual fee. New card customers will have to pay a $150 annual fee on the platinum card and $0 annual fee in the first year for existing Westpac customers.
  • 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.
  • Balance transfer rates. For a limited time new applicants can enjoy a competitive balance transfer rate starting from your card application date. This allows you to take the balance from a higher interest credit card and transfer it to your platinum credit card so you can save money.

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

  • In order to be eligible for this credit card you must be 18 years old and be a permanent resident of Australia. Please note that those holding a student visa aren’t eligible for and temporary visa holders must apply through migrant banking.
  • You must have a good credit history as well as an annual income of $30,000 p.a. in order to be able to apply for this credit card. This is so Westpac knows you can meet your repayment expectations.

Required documents

Once you know whether or not you’re eligible to apply for the card you can begin to apply. The application process can take about 15 or 20 minutes to complete but the process can go smoother if you gather up all necessary documents beforehand:

  • To prove that you are eligible and that you are who you are claiming to be 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 their 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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147 Responses to Westpac Altitude Platinum Credit Card – Rates and Fees

  1. 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

    • Staff
      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.


  2. 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?


    • Staff
      Anndy | 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.


    • 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?


    • Staff
      Anndy | 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.


  3. Default Gravatar
    geoff | July 6, 2016

    Can I transfer Westpac points to QANTAS frequent flyer points?

    • Staff
      May | July 6, 2016

      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.


  4. Default Gravatar
    Mary | June 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

    • Staff
      Anndy | June 6, 2016

      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.


  5. Default Gravatar
    colleen | April 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)

    • Staff
      Anndy | April 27, 2016

      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.


  6. Default Gravatar
    colleen | April 27, 2016

    Hi, I am wanting to know if I will get the 40000 sign up points for Westpac Platinum card. My Husband currently has a Black Altitude card and I am a second card holder.My husband has recently retired and we are now seeking to reduce our annual fee and so plan on transfering from Black to Platinum. I would be the primary card holder with my husband as second card holder.
    Thanks Colleen

    • Staff
      Ysa | April 29, 2016

      Hi Colleen,

      Thanks for your question,

      Since you are currently the secondary card holder, you will still be eligible to apply as the primary card holder on the Westpac Altitude Platinum Credit Card and receive the 40,000 bonus points offer.

      So long as you meet the eligibility requirements, you should have no trouble applying for this credit card.

      Alternatively, you might also like to get in touch with the Westpac customer service team to discuss the eligibility requirements and your likelihood of acceptance.

      I hope this helps.


  7. Default Gravatar
    Alipal | April 21, 2016

    Please explain extended warranty on purchase made with an Altitude card. Does the length of the extension depend on the purchase price? Do I have to register the purchase in any way apart from using my cards?

    • Staff
      May | April 21, 2016

      Hi Alipal,

      Thanks for your inquiry.

      With Westpac Extended Warranty Insurance, the actual length of the warranty extension is usually equivalent to the length of warranty originally issued for the product. For Westpac Altitude Platinum Qantas cardholders, they will have their warranty extended for up to a maximum of 12 months.

      Apart from paying the first A$250 for each claim, you must obtain Zurich’s approval first and present them a copy of the Australian warranty in order to get a claim. I’ve sent to your email the contact details of Zurich for your convenience.

      Hope this helps.


  8. Default Gravatar
    Mingyu | March 27, 2016

    Hi. I would like to do balance transfer for personal loan AUD22000.
    I am 457visa holder. It says I need to go through migrant banking.
    Could you provide more about migrant banking information and other information for temporary visa holders.

    I have good repayment history and income history.
    My income is AUD60000

    Thank you.

    • Staff
      Sharon | March 27, 2016

      Hi Mingyu, thanks for your inquiry.

      You may refer to this page for a comparison of credit cards for temporary residents. However, please note that not all credit card issuers accept personal loan balance transfers.

      Please check this page for credit cards that allow balance transfers from a personal loan.

      I hope this helps.


  9. Default Gravatar
    | March 16, 2016

    Will I get the 40,000 points if I pay with my Altitude Platinum card for my Strata Levy?

    • Staff
      Debbie | March 22, 2016

      Hi Penjoh,

      Thanks for your question.

      Please note that the 40,000 bonus points is only applicable for new approved cardholders of Westpac Altitude Platinum. Paying for your Strata Levy will depend on the transaction, such as if paid via BPay it may be considered as eligible purchase. It is best to contact directly a customer service representative from Westpac.

      I hope this helps.


  10. Default Gravatar
    | March 16, 2016


    • Staff
      Jonathan | March 17, 2016

      Hi Penjoh, thanks for your inquiry!

      Paying your levy with your credit card will depend on which insurer you are a member of. To clarify whether you can pay with your card it would be best to contact your insurer directly.



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