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Westpac Altitude Platinum (Altitude Rewards)

Purchase Rate
20.49% p.a.
Cash Advance Rate
21.49% p.a.
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Interest Free
Up to 45 days
Annual Fee
$200.00
  • Earn 80,000 Altitude Points when you spend $3,000 on eligible purchases with a new Altitude Platinum credit card within 90 days of card approval. Exclusions apply.
  • Special promotions are available on new credit cards only and are valid until 5 August 2020.
  • Offer excludes customers who hold/held any Westpac Rewards credit card in the last 12 months.^
  • Platinum concierge service.
  • Complimentary insurance cover.
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Key Features
Rewards Program
Rewards
Joining Fee
$0.00
Annual Fee
$200.00
Insurance Cover
for Purchases
Overseas ATM
Availability
Automatic Travel
Insurance

Rewards Program
  • If you choose Altitude Rewards:
  • Earn 1 Altitude Point per $1 spent on eligible purchases with Altitude Platinum Visa, in accordance with the Altitude Rewards Terms and Conditions. For each statement cycle a points cap of 7,500 points applies.
  • If you choose Altitude Qantas:
  • Earn 0.5 Qantas Points per $1 spent on eligible purchases with Altitude Platinum Visa, in accordance with the Altitude Rewards Terms and Conditions. For each statement cycle a points cap of 3,750 points applies.

Fee & Repayments

Annual Fee $200.00
Annual Fee First Year $0.00
Rewards Joining Fee $0.00
Supplementary Card Fee $0.00
Minimum Repayment Greater of 2% or $10.00
Interest Charged From PurchaseDate
Late Payment Fee $15.00

Rewards Program

Rewards Points per Dollar 1
Linked to Frequent Flyer
Spend to Redeem $100 Gift Card* $8,475.00
Frequent Flyer Ratio 1
Spend at Loyalty Partner for $100 Gift Card*
SPEND FOR SYD/MEL RETURN* $16,000.00
Lifetime of Points
Rewards Program Partners Malaysia Airline's Enrich, Air New Zealand Airpoints, Singapore Airlines KrisFlyer, Cathay Pacific AsiaMiles.
Rewards Bonus Points Partners Earn 1 Altitude Point per $1 spent on eligible purchases with Altitude Platinum Visa, in accordance with the Altitude Rewards Terms and Conditions. For each statement cycle a points cap of 7,500 points applies. Earn 0.5 Qantas Points per $1 spent on eligible purchases with Altitude Platinum Visa, in accordance with the Altitude Rewards Terms and Conditions. For each statement cycle a points cap of 3,750 points applies.
Domestic Airlines Qantas
International Airlines
Conditions You must be a member of the relevant frequent flyer program to redeem Altitude Points for frequent flyer points. The Altitude Rewards Terms and Conditions and relevant frequent flyer program apply.

Other Charges

Duplicate Statement Fee $7.50
Overseas ATM Balance Fee $0.00
Transaction Verification Fee $0.00
Overseas ATM Withdrawal Fee $2.50
Over Limit Fee $15.00
Overseas Emergency Card Replacement Fee $0.00
Terms & Conditions
>Bonus Altitude or Qantas Points Promotion Altitude Platinum: To qualify for this promotion you must apply and be approved for a new Altitude Platinum card between 1st April 2020 and 5th August 2020 and spend the minimum amount of $3,000 on eligible purchases on an Altitude Platinum card within 90 days from card approval in one or more transactions. The bonus Altitude Points or Qantas Points will be added to your points balance within 12 weeks once you meet the eligible spend criteria. Existing Westpac customers who currently hold an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months, are not eligible for this offer. Qantas Points earned during a statement cycle are added to your Qantas Points balance on a monthly basis.. †Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, payments to the Australian Tax Office, government charges, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account. < Rewards points: How you earn and redeem Altitude Points is subject to the Altitude Terms and Conditions. Excludes Westpac Altitude Qantas. << Accelerated Earn - Flights: Earn 6 points per dollar on the first $10,000 spent on flights per calendar month, then 1.25 points per $1 spent thereafter on the Altitude Black Mastercard. Or earn 3 points per dollar on the first $10,000 on flights per calendar month, then 1 point per $1 spent thereafter on the Altitude Platinum Mastercard. Points earn applies to flights purchased in Australia directly with the above listed participating airlines using your Altitude Black Mastercard or Altitude Platinum Mastercard. Excludes flights not purchased directly with the participating airlines for example flights purchased through a travel agent, online aggregators or other airlines such as a code-share etc. Excludes Westpac Altitude Qantas. Participating airlines are subject to change. 6. Rewards Points: The earning and redemption of Altitude Points and Qantas Points are subject to the Altitude Terms and Conditions. Purchases that are not eligible to earn Rewards Points are set out in the Altitude Terms and Conditions. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances. Refer to the Altitude Terms and Conditions for information on how you earn points on transactions. Qantas Points earned during a statement cycle are added to your respective Points balance on a monthly basis. Qantas products and services: Selected Qantas products and services are Qantas passenger flights with a QF flight number purchased directly from Qantas.com; Qantas Frequent Flyer and Qantas Club membership joining and/ or annual fees. For full Qantas Frequent Flyer Terms and Conditions, visit Qantas.com/terms. 4. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible Westpac cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the Westpac Credit Cards Complimentary Insurance Policy (PDF 297KB) which may be amended from time to time. Westpac does not guarantee this insurance. Concierge Services: Concierge Services are subject to the Westpac Rewards Credit Cards Concierge Service Terms and Conditions (PDF 67KB). As of 1 May 2020, Westpac Concierge and Emergency Travel Assistance will no longer be available through Westpac Platinum Credit Cards. American Express Westpac Altitude Platinum Card Altitude Points: The earning of Altitude Points and bonus Altitude Points using an American Express issued Altitude Card is subject to the American Express® Westpac Altitude Cards Points Terms and Conditions available at americanexpress.com/australia/altitude-points-t&c Redemption of Altitude Points is subject to the Altitude Rewards Terms and Conditions available at altituderewards.com.au. You may not be able to redeem Altitude Points if your Card account is in arrears for 2 consecutive statement cycles and in other circumstances. Eligible purchases do not include cash advances, interest, balance transfers, fees and charges for traveller’s cheques and foreign currencies. For the full list of exclusions, please refer to the American Express Westpac Altitude Cards Points Terms and Conditions available at americanexpress.com/australia/altitude-points-t&c Bonus Points will be awarded to the eligible Card Member’s account 8-10 weeks after the spend criteria have been met. Government: Merchants classified as “government” include the Australian Taxation Office, the Australian Postal Corporation (Australia Post), federal/state and local government bodies. Qantas Points: You must be a member of the Qantas Frequent Flyer program to earn and redeem points. Membership and Qantas Points are subject to the Terms and Conditions of the Qantas Frequent Flyer program. Qantas Points are earned on Eligible Purchases in accordance with and subject to the American Express Westpac Altitude Cards Points Terms and Conditions as long as your account remains current and in good standing. Qantas products and services: Selected Qantas products and services are Qantas passenger flights with a QF flight number purchased directly from Qantas.com; Qantas Frequent Flyer and Qantas Club membership joining and/ or annual fees. For full Qantas Frequent Flyer Terms and Conditions, visit Qantas.com/terms. 4. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible American Express Westpac Altitude cardholders to claim under it as third party beneficiaries. You must use your American Express Westpac Altitude Card to prepay $500 of travel costs in order to be covered under the overseas travel insurance. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the American Express Westpac Altitude Card Insurance Policy which may be amended from time to time. Westpac does not guarantee this insurance. Westpac is the credit provider and credit licensee under National Consumer Credit Laws. Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Registered to BPAY Pty Ltd ABN 69 079 137 518

* For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

Visa® is a registered trademark of Visa International Services Association.
The MasterCard® brand is a registered trademark of MasterCard International Incorporated.

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