Westpac Altitude Platinum Credit Card – Details & Application

Information verified correct on September 28th, 2016
Westpac Altitude Platinum Card Find out more Go to site

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  • Clicking Go to site will take you to your Online Application on the bank's website. You do not need to be an existing customer of this bank to apply.
  • Your application will typically take you no more than 10-15 minutes to complete
  • Once approved, you will typically receive your credit card within 1-2 weeks
Click here to start your application >>

Enjoy 1% p.a. on purchases when you apply before 11 October 2016. This purchase rate is valid for 12 months.

Enjoy purchase rates of 1% p.a. for a period of 12 months with the Westpac Altitude Platinum Credit Card. This card also comes with a limited offer on balance transfers which gives new cardholders a rate of 0% p.a. for 16 months. You can link two credit cards into one account and use the American Express (Amex) card to earn double Altitude Rewards and Altitude Qantas points or switch to the Visa Card when the Amex card is not accepted.

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

Westpac Altitude Platinum Credit Card offers an introductory offer on balance transfers of 0% p.a. and this offer is available for 16 months. Credit cardholders also enjoy a purchase rate of 1% p.a. for 12 months.

Cardholders can enjoy two rewards programs: the Altitude Rewards and the Altitude Qantas rewards program. With Altitude Rewards, you earn 2 Altitude points with every dollar spent using the Altitude Platinum Amex card or 1 Altitude point with the Visa card. With the Altitude Qantas program, you earn one Qantas point with the Amex card and 0.5 Qantas points with the Visa card.

Compare the features available with this credit card by assessing the interest rates and applicable fees and features.

Purchase rate offer: 1% p.a. for 12 months

  • Application deadline is 11 October 2016 If you apply for the Westpac Altitude Platinum Credit Card before 11 October 2016, you will be eligible for the introductory purchase rate offer.
  • Up to 45-days interest-free purchases If you pay off your closing balance and any other applicable promotional balance transfer sum by your due date, you will enjoy up to 45 days of interest-free purchases.
  • 1% interest duration The introductory purchase rate offer is only available for 12 months and this begins from the time of approval (not when your card is sent). After this period, the purchase rate will revert to the variable rate applicable to your account.


The special purchase rate is not eligible to customers upgrading or switching to this credit card. It’s also not eligible to customers who are accessing the card as part of employee benefits. The introductory rate is only available with other promotions when stated.

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Altitude Rewards and Altitude Qantas

  • Points earned with the Westpac Altitude Platinum American Express Credit Card If you make purchases using your Amex card, you get to earn more points with both the Altitude Rewards and Altitude Qantas. With Altitude Rewards, you get 2 reward points for every dollar spent with your Amex card. If you choose to earn Altitude Qantas rewards, you get 1 Qantas point for each dollar spent.
  • Points earned with the Westpac Altitude Platinum Visa Credit Card The Visa card gives you fewer points than the Amex card but because it has a wider reach, so you can accumulate more points. With Altitude Rewards you earn 1 point per dollar spent while you can earn 0.5 Qantas Points per dollar spent.
  • Points capped at 7,500 and 3,750 for each statement period You can redeem a minimum of 3000 Altitude points and the maximum is capped at 7,500 regardless of the credit card. When it comes to Qantas Points, you can redeem as much as 3,450 points and bonus points will not count towards both caps.
  • Bonus points You can also earn bonus points with your Westpac Altitude Platinum Credit Card. If you make purchases at participating outlets, you can earn as many as 2 bonus points per dollar spent. Gain 1 bonus Altitude point for each dollar spent trading with Westpac Online Investing. Bonus points also apply with Qantas rewards and for every dollar spent on selected Qantas products or on Qantas services, you earn 1 bonus point. Earn double bonus points with Qantas Frequent Flyer Program partners when you present your membership card.
  • Redeeming points Altitude points can be redeemed for homewares, technology products, retail vouchers and gift cards. They can also be redeemed with five frequent flyer programs namely: Cathay Pacific Asia Miles, Singapore Airlines KrisFlyer, Malaysia Airline’s Enrich, Air New Zealand Airpoints and Virgin Australia’s Velocity. Qantas points are redeemable for flight upgrades and airline tickets.
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Complimentary insurance

  • Overseas travel insurance Credit cardholders get overseas travel insurance for 3 months trips and this covers the cardholder, their spouse and children. The policy provides coverage for overseas medical expenses, personal liability, rental vehicle excess, loss/damage of travel documents and personal property.
  • Transit accident insurance With transit accident insurance, you get coverage for injury or accidental death as a passenger in a passenger train, bus, ferry or airplane. Tickets must have been purchased using the Altitude Platinum credit card. Coverage limit is $250,000.
  • Purchase security insurance This is a 3 months cover that insures items purchased using the credit card for accidental damage, theft and loss.
  • Extended warranty insurance This insurance policy covers most personal items that are purchased using your credit card. You get an extended warranty on your manufacturer’s warranty for up to 12 months.

Learn more about Westpac Credit Card Complimentary Insurance Policy features.

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Westpac Altitude Platinum Credit Card Features

  • Fees: You have an annual fee of $150 Other fees are charged for foreign transactions, cash advances and withdrawals, missed payments, duplicate statement and going over your limit.
  • Security: The card is embedded with a microchip giving you additional security against fraud. You also have Card Shield, Falcon Fraud Protection and Westpac Added Online Security.
  • Fraud money back guarantee: Cardholders are protected against losses arising from fraudulent transactions.
  • Credit card repayment protection: You have an additional insurance policy which covers your credit card obligations should an unfortunate event occur, making you unable to meet your repayments.
  • Special promotions: New cardholders can access a special balance transfer rate of 0% p.a. for 16 months. You also get a purchase rate of 1% p.a. for a year.
  • Link two cards to one account: You can link both the Altitude Platinum American Express Card and Altitude Platinum Visa Card into one account.
  • Standard variable interest rates: You get variable interest rates of 20.74% p.a. on cash advances and 20.24% p.a. on purchases.
  • Rewards program: Cardholders can choose to earn Altitude Qantas or Altitude Rewards.
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How to apply for the Westpac Altitude Platinum Credit Card

Application criteria for the Westpac Altitude Platinum Credit Card

You can apply for the Westpac Altitude Platinum Credit Card if you are:

  • 18 years or older
  • A permanent resident of Australia
  • You earn at least $30,000 p.a.

Information required with your application includes:

  • After-tax monthly income
  • Current financial commitments
  • Current employment details
  • Valid driver’s license number

You must complete all fields with an asterisk to proceed to the next page of your application. Click on ‘apply’ to benefit from the 1% p.a. purchase rate offer valid for 12 months.

Westpac Altitude Platinum Credit Card offers an introductory purchase rate of 1% p.a. for 12 months. Apply for this card to enjoy an array of features and benefits.

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22 Responses to Westpac Altitude Platinum Credit Card – Details & Application

  1. Default Gravatar
    SAm | June 14, 2015

    Form for Pre-existing Medical Conditions

    • Staff
      sally.mcmullen@hiveempire.com | June 15, 2015

      Hi Sam,

      Thanks for your comment.

      Just to confirm, you have come through to finder.com.au, not Westpac.

      If your pre-existing medical condition is not automatically covered by the Westpac Altitude Platinum Credit Card complimentary insurance, you will need to contact Zurich Assist directly. Their team of medical professionals will then assess your condition and if they decide to cover your pre-existing medical condition, will send you a letter of confirmation and further information regarding any additional fees or charges.

      I have emailed you the contact number directly.

      I hope this has helped.



  2. Default Gravatar
    Laurence | June 17, 2013

    Would it be possible to email me a link to download the form to fill in the claim of all my medical expenses incurred overseas? I have checked and I am entitled to all my claims.

    Many Thanks

    • Staff
      Jacob | June 17, 2013

      Hi Laurence. Thanks for your question. I have sent a link to your email. Jacob.

  3. Default Gravatar
    George | October 31, 2012

    What is the transfer rate to Velocity.

  4. Default Gravatar
    Siripong | September 27, 2012

    can i redeem my points for thai airways if so how can i manage that. regards

    • Staff
      Jacob | September 28, 2012

      Hi Siripong. The following is taken from the Altitude Rewards Frequent Flyer Calculator, ‘With Altitude Rewards, you can choose to convert your Altitude points to a selection of major international airlines’, including Thai Airways. Thanks for your question.

  5. Default Gravatar
    Malcolm | July 28, 2012

    Is it possible to transfer existing Frequent Flyer points to this card from other airlines programmes?

    • Staff
      Jacob | August 3, 2012

      Hi Malcolm. Frequent Flyer points are linked to a Frequent Flyer membership. This means if a new credit card is opened, cardholders simply need to link their existing Frequent Flyer account with the new card to continue earning points. Thanks for your question.

  6. Default Gravatar
    Joe | July 12, 2012

    What can the reward points be converted to? Myers / QFF / Velocity / others??

    • Staff
      Jacob | March 20, 2013

      Hi Joe. Please refer to our points transfer guide for information about what you can do with your Westpac Altitude Points. Thanks for your question.

  7. Default Gravatar
    Jodi | April 9, 2012

    Can you please tell me if the Westpac Platinum insurance would cover a campervan in NZ.

    Thank you

    • Staff
      Jacob | April 5, 2013

      Hi Jodie. Not sure if this answer is still relevant; however, this information may be of use to other users. Yes, provided you meet the eligibility requirements set out under the policy’s terms and conditions (I have emailed you the document). To be brief, the policy document states: ‘Overseas travel insurance is a benefit available to current Westpac cardholders who by use of the cardholder’s eligible credit card account paid for in full the cost of their return overseas travel tickets prior to leaving Australia. It is also available to the cardholder’s spouse and the cardholder’s dependent children, who travel with the cardholder for the entire journey, provided their return overseas travel tickets were paid for in full by use of the cardholder’s eligible credit card account.’
      Thanks for your question and apologies about the time it’s taken to get you this answer. Jacob.

  8. Default Gravatar
    Slattery | April 3, 2012

    we have a platinum card with 200,000.points how many Qantas Points for their frequent program would that be or how many westpac flyer points

    • Staff
      Jacob | April 5, 2013

      Hi Slattery. Thanks for your question. The Altitude Rewards program does not allow you to transfer your points directly to the Qantas Frequent Flyer program, please see this page for the airline partners Westpac allow you to transfer to. But you can redeem your Altitude points for Qantas and other airline flights through the Altitude Travel Program (operated by the PinPoint Travel Group). Sorry for the delayed response. Jacob.

  9. Default Gravatar
    Steve | February 12, 2012

    Hello there. We have the altitude platinum card and wish to use the travel insurance. Do we need to contact westpac or fill in any forms?

    • Staff
      Jacob | October 9, 2012

      Hi Steve. Thanks for your question. The travel insurance cover is automatic provided you meet with the eligibility requirements in the terms and conditions, mainly that you spend a certain amount of your prepaid travel expenses on your credit card and that you are completing a return journey to Australia. Check the terms and conditions for further information on this. Cheers.

  10. Default Gravatar
    Maureen | January 24, 2012

    We are currently looking for a business credit card with reward points & interest free days with min $50000 limit. However we are not currently banking with Westpac can we still apply for this card. thanks

    • Staff
      Jeremy | February 10, 2012

      Hi Maureen,

      There are a number of business credit cards available that meet your requirements – please refer to – http://www.creditcardfinder.com.au/business-credit-cards for a comparative list of all the available options – Banks are always looking for new customers and not previously being with a bank is no reason not to apply. Your application will be assessed as a new customer. Thanks for your question.


Credit Cards Comparison

Rates last updated September 28th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
11.99% p.a. $0 p.a. Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards CreditCardFinder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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