Altitude Platinum credit card

All the benefits of the Altitude card, plus Platinum concierge and complimentary insurance covers.
Two cards linked to one account. Your choice of Altitude Rewards Points or Qantas Points.
  •  

    Westpac customers

    Apply online in 10 minutes.
    Get a response in 60 seconds.

    $0 annual fee for the first year. New cards only. ^See conditions below.

    Apply now
  • New customers

    Apply online in 10 minutes.
    Get a response in 60 seconds.

    Apply now

Essentials

Step up to platinum rewards.

Special offers

  • 50,000 bonus Qantas or Altitude Points on a new card, when you spend $2500 within 90 days from card approval. Exclusions apply.
  • 1% p.a. on purchases for up to 12 months from card approval
  • Plus, 0.00% p.a. for 16 months on balance transfers requested at card application.

After the promotional period, the balance transfer and purchase rate switch to the applicable standard variable purchase rate. See 'Rates'.

Special offer for existing Westpac customers

  • $0 annual fee in the first year when you apply via the Westpac customers 'Apply now’ button.

All special offers are for new cards only and are valid until 11 October 2016. See 'Things you should know' below.

Choose your rewards

Depending on your choice of rewards program, you can earn Altitude Points or Qantas Points on your eligible purchases.

Altitude Rewards.

Shop smarter with discounts on holidays, gift cards and premium brand products. Convert your points to frequent flyer points for a range of airlines. Up to 2 Altitude Points per $1 on eligible purchases. For each statement cycle a points cap of 7,500 points applies.

Altitude Qantas.

Travel more with Qantas Points on Qantas, Jetstar and partner airlines. Fly high with Qantas flight upgrades, where available. Up to 1 Qantas Point per $1 on eligible purchases. For each statement cycle a points cap of 3,750 points applies.

Platinum benefits

  • Personal concierge services - your very own 24/7 worldwide personal assistant
  • Complimentary insurance covers
  • 2 cards linked to 1 account - American Express® to earn points faster and Visa for worldwide use
  • Earn points faster by adding one additional cardholder at no extra cost
  • Access to American Express® Connect benefits.
  •  

    Westpac customers

    Apply online in 10 minutes.
    Get a response in 60 seconds.

    $0 annual fee for the first year. New and selected cards only. ^See conditions below.

    Apply now
  •  

    New customers

    Apply online in 10 minutes.
    Get a response in 60 seconds.

    Apply now
  •  

    Give us a call

    1300 130 961 

    8am-8pm, 7 days a week

Things you should know
  • American Express® is a registered trademark of American Express.

    The Westpac American Express Card is issued by Westpac Banking Corporation pursuant to a license from American Express. 

  • Credit criteria, fees and charges apply. Offers are not available in conjunction with any special offers that are not listed on www.westpac.com.au. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible.

    Westpac is the credit provider and credit licensee under National Consumer Credit Laws.

  • Samsung is a trademark of Samsung Electronics Co. Ltd

    Rewards Points: The earning and redemption of Altitude Points and Qantas Points is subject to the Altitude Rewards and Altitude Qantas Terms and Conditions. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances. For each statement cycle a points cap of 5,000 Altitude Points or 2,500 Qantas Points applies when using either or both cards. Bonus points do not count towards the points cap.
    Effective from 9 November 2014 we will be introducing some changes to the way you earn Altitude Points and Qantas Points on ATO payments. Please see the Terms and Conditions for full details.

    Altitude Rewards: 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 the terms and conditions of the relevant frequent flyer program apply. A joining fee may apply. Availability of Reward flights may be limited. For more information on the Altitude Rewards program, visit altituderewards.com.au.

    Altitude Qantas: In order to earn and redeem points, you must be a member of the Qantas Frequent Flyer program.

    Qantas Store Products are for delivery in Australia and New Zealand only (and different products are available in each delivery location). Redemption of points through the online store is subject to terms and conditions (including store terms of use and voucher terms and conditions). See qantas.com/store for details.

    Qantas & Partner Classic Reward Seats are subject to capacity controls and availability is limited. The number of seats available depends on the flight, date, season and destination. Some flights may not have any Classic Reward seats available. For Classic Reward flights, taxes, fees and carrier charges are payable in addition to the points required, are subject to change and are quoted at the time of booking. Reward flights must be booked at least 24 hours before scheduled departure (and other advance booking requirements may apply).

    Flight Upgrades are subject to capacity controls and availability is limited. Flight upgrades are not available on Classic Rewards or on international airfares booked in E, N, O, P, Q, and X class (which includes some Any Seat Rewards and some Red e-Deals). You must have an eligible paid and confirmed ticket on a Qantas operated service (with a QF flight number on your ticket).

    Qantas & Jetstar Any Seat Rewards are available on any flight with a QF or JQ flight number. The points required will be quoted when booked. There is no fixed relationship between the cash price charges by the applicable airline for a seat and the points required to redeem an Any Seat Reward through Qantas Frequent Flyer. Special promotional fares may not apply. Reward flights must be booked at least 24 hours before scheduled departure (and other advanced booking requirements may apply). For more information see qantas.com/frequentflyer. The Jetstar Any Seat Rewards booking service is operated by Carlson Marketing Group (Aust) Pty Ltd trading as Carlson Leisure Travel Service Licence No. 2TA 5778, IATA 02-3-59523.
    For more information on the Qantas Frequent Flyer program, visit qantas.com/frequentflyer.

    Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.

  • Complimentary insurance covers: QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 which allows eligible Westpac account holders and cardholders to claim under it as third party beneficiaries. The terms, conditions, limits and exclusions, of the group policy, are set out in the Westpac Credit Cards Complimentary Insurance Policy, which may be amended from time to time. Westpac does not guarantee the insurance. You can get a copy of the policy booklet by calling 1300 859 100.


  • ^$0 annual fee in first year for existing Westpac customers promotion
    : To be eligible for this promotion you must be an existing Westpac customer that applies for a new Low Rate, Altitude, Altitude Platinum or Altitude Black card by clicking on the Westpac customers 'Apply now’ button via westpac.com.au or westpac.com.au/mobile between 7 July 2016 and 11 October 2016. The first annual fee will be debited on the 12 month anniversary of the first transaction on your account and annually thereafter on the anniversary of the first annual fee.

  • Balance transfer promotion: The promotional balance transfer rate is available when you apply for a new Westpac credit card between 7 July 2016 and 11 October 2016 and request at application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. The rates will apply to balance(s) transferred (min $200 up to 95% of your approved available credit limit) for the promotional period, unless the amount is paid off earlier. Card activation will trigger the processing of the balance transfer. The variable purchase rate will apply to balance(s) transferred but left unpaid at the end of the promotional period. Westpac will not be responsible for any delays that may occur in processing payment to your other card account(s) and will not close the account(s). The variable purchase interest rate applies to balance transfers requested at any other time. Interest free days don’t apply to balance transfers.

  • Purchase rate promotion: The introductory rate of 1% p.a. on purchases is available when you apply for a new Westpac credit card between 7 July 2016 and 11 October 2016. The introductory rate will be applied from the date of the first purchase on your account and expires 12 months after the date of card approval. At the end of this period the introductory purchase rate will switch to the variable purchase rate then applicable to your card account and any purchases that remain unpaid at that time will revert to the standard variable purchase rate then applicable to your card account.

  • Bonus points promotion: The bonus points promotion is available when you apply for a new Altitude, Altitude Platinum, Altitude Black card between 7 July 2016 and 11 October 2016 and spend the minimum amount of $2500 on eligible purchases within 90 days from card approval on one or more transactions. Eligible purchases do not include fees, cash, cash equivalent transactions, refunds and balance transfers debited from the card account. The bonus points depend on your choice of Rewards Program. The bonus Altitude Points or Qantas Points will be credited to your points balance within 12 weeks after the eligible spend criteria being met. Existing Westpac customers who currently hold an Altitude, Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months, are not eligible for this offer.

Rewards

Choose between two great rewards programs:

  • Altitude Rewards - Earn Altitude Points on eligible purchases you can redeem for a wide range of merchandise and frequent flyer points with a range of airlines
  • Altitude Qantas - Earn Qantas Points on eligible purchases you can redeem for Qantas Reward Flights and upgrades, in the Qantas Store and more

Rewards If you choose Altitude Rewards If you choose Altitude Qantas
Points earned on eligible purchases - American Express Card $1 = 2 Altitude Points $1 = 1 Qantas Point
Points earned on eligible purchases - Visa Card $1 = 1 Altitude Point $1 = 0.5 Qantas Points
Points cap - for each statement cycle using your cards

7,500 (bonus points don't count towards the cap)

3,750 (bonus points don't count towards the cap)

Earning Bonus points
  • Special promotion:  50,000 bonus Qantas or Altitude Points on a new card, when you spend $2500 within 90 days from card approval. Exclusions apply. Offer ends 11 October 2016.
  • Earn up to 3 bonus Altitude Points per $1 spent on purchases at participating Bonus Partners. See altituderewards.com.au for details
  • Special promotion: Earn 40,000 bonus Qantas Points with a new Altitude Platinum card when you spend $1,000 on eligible purchases within 90 days from card approval*. Offer ends 6 July 2016
  • Earn 1 bonus Qantas Point for every $1 you spend on selected Qantas products and services
  • Earn Qantas Points twice with Qantas Frequent Flyer Program partners. Earn Points once on your Altitude cards and again with the partner by presenting your Qantas Frequent Flyer membership card.
Redeeming your points

Redeeming Altitude Points:

  • Gift vouchers
  • Homewares 
  • Technology 
  • Holidays 
  • Frequent Flyer Points from 5 different programs: 
      • Virgin Australia 
      • Velocity 
      • Singapore Airlines - KrisFlyer 
      • Malaysia Airlines - Enrich 
      • Air New Zealand - Airpoints 
      • Cathay Pacific - AsiaMiles.

Redeeming Qantas Points:

  • Reward flights with Qantas and over 30 partner airlines and affiliates 
  • A Flight Upgrade Reward on eligible Qantas domestic and international flights
  • A range of merchandise and gift cards from the online Qantas Store 
  • Flexibility to book your next Reward flight using Points Plus Pay.
  •  

    Westpac customers

    Apply online in 10 minutes.
    Get a response in 60 seconds.

    $0 annual fee for the first year. New and selected cards only. ^See conditions below.

    Apply now
  •  

    New customers

    Apply online in 10 minutes.
    Get a response in 60 seconds.

    Apply now
  •  

    Give us a call

    1300 130 961 

    8am-8pm, 7 days a week

Things you should know
  • American Express® is a registered trademark of American Express.

    The Westpac American Express Card is issued by Westpac Banking Corporation pursuant to a license from American Express. 

  • Credit criteria, fees and charges apply. Offers are not available in conjunction with any special offers that are not listed on www.westpac.com.au. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible.

    Westpac is the credit provider and credit licensee under National Consumer Credit Laws.

  • Samsung is a trademark of Samsung Electronics Co. Ltd

    Rewards Points: The earning and redemption of Altitude Points and Qantas Points is subject to the Altitude Rewards and Altitude Qantas Terms and Conditions. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances. For each statement cycle a points cap of 5,000 Altitude Points or 2,500 Qantas Points applies when using either or both cards. Bonus points do not count towards the points cap.
    Effective from 9 November 2014 we will be introducing some changes to the way you earn Altitude Points and Qantas Points on ATO payments. Please see the Terms and Conditions for full details.

    Altitude Rewards: 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 the terms and conditions of the relevant frequent flyer program apply. A joining fee may apply. Availability of Reward flights may be limited. For more information on the Altitude Rewards program, visit altituderewards.com.au.

    Altitude Qantas: In order to earn and redeem points, you must be a member of the Qantas Frequent Flyer program.

    Qantas Store Products are for delivery in Australia and New Zealand only (and different products are available in each delivery location). Redemption of points through the online store is subject to terms and conditions (including store terms of use and voucher terms and conditions). See qantas.com/store for details.

    Qantas & Partner Classic Reward Seats are subject to capacity controls and availability is limited. The number of seats available depends on the flight, date, season and destination. Some flights may not have any Classic Reward seats available. For Classic Reward flights, taxes, fees and carrier charges are payable in addition to the points required, are subject to change and are quoted at the time of booking. Reward flights must be booked at least 24 hours before scheduled departure (and other advance booking requirements may apply).

    Flight Upgrades are subject to capacity controls and availability is limited. Flight upgrades are not available on Classic Rewards or on international airfares booked in E, N, O, P, Q, and X class (which includes some Any Seat Rewards and some Red e-Deals). You must have an eligible paid and confirmed ticket on a Qantas operated service (with a QF flight number on your ticket).

    Qantas & Jetstar Any Seat Rewards are available on any flight with a QF or JQ flight number. The points required will be quoted when booked. There is no fixed relationship between the cash price charges by the applicable airline for a seat and the points required to redeem an Any Seat Reward through Qantas Frequent Flyer. Special promotional fares may not apply. Reward flights must be booked at least 24 hours before scheduled departure (and other advanced booking requirements may apply). For more information see qantas.com/frequentflyer. The Jetstar Any Seat Rewards booking service is operated by Carlson Marketing Group (Aust) Pty Ltd trading as Carlson Leisure Travel Service Licence No. 2TA 5778, IATA 02-3-59523.
    For more information on the Qantas Frequent Flyer program, visit qantas.com/frequentflyer.

    Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.

  • Complimentary insurance covers: QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 which allows eligible Westpac account holders and cardholders to claim under it as third party beneficiaries. The terms, conditions, limits and exclusions, of the group policy, are set out in the Westpac Credit Cards Complimentary Insurance Policy, which may be amended from time to time. Westpac does not guarantee the insurance. You can get a copy of the policy booklet by calling 1300 859 100.


  • ^$0 annual fee in first year for existing Westpac customers promotion
    : To be eligible for this promotion you must be an existing Westpac customer that applies for a new Low Rate, Altitude, Altitude Platinum or Altitude Black card by clicking on the Westpac customers 'Apply now’ button via westpac.com.au or westpac.com.au/mobile between 7 July 2016 and 11 October 2016. The first annual fee will be debited on the 12 month anniversary of the first transaction on your account and annually thereafter on the anniversary of the first annual fee.

  • Balance transfer promotion: The promotional balance transfer rate is available when you apply for a new Westpac credit card between 7 July 2016 and 11 October 2016 and request at application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. The rates will apply to balance(s) transferred (min $200 up to 95% of your approved available credit limit) for the promotional period, unless the amount is paid off earlier. Card activation will trigger the processing of the balance transfer. The variable purchase rate will apply to balance(s) transferred but left unpaid at the end of the promotional period. Westpac will not be responsible for any delays that may occur in processing payment to your other card account(s) and will not close the account(s). The variable purchase interest rate applies to balance transfers requested at any other time. Interest free days don’t apply to balance transfers.

  • Purchase rate promotion: The introductory rate of 1% p.a. on purchases is available when you apply for a new Westpac credit card between 7 July 2016 and 11 October 2016. The introductory rate will be applied from the date of the first purchase on your account and expires 12 months after the date of card approval. At the end of this period the introductory purchase rate will switch to the variable purchase rate then applicable to your card account and any purchases that remain unpaid at that time will revert to the standard variable purchase rate then applicable to your card account.

  • Bonus points promotion: The bonus points promotion is available when you apply for a new Altitude, Altitude Platinum, Altitude Black card between 7 July 2016 and 11 October 2016 and spend the minimum amount of $2500 on eligible purchases within 90 days from card approval on one or more transactions. Eligible purchases do not include fees, cash, cash equivalent transactions, refunds and balance transfers debited from the card account. The bonus points depend on your choice of Rewards Program. The bonus Altitude Points or Qantas Points will be credited to your points balance within 12 weeks after the eligible spend criteria being met. Existing Westpac customers who currently hold an Altitude, Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months, are not eligible for this offer.

Features

24/7 personal concierge services

Dedicated Westpac Concierge services are on-call 24/7 to fulfil your requests, from restaurant bookings and party planning, to tickets to your favourite game.

Extended complimentary insurances

Your Altitude Platinum rewards credit card features a range of complimentary insurance covers as set out in the Westpac Credit Cards Complimentary Insurance Policy.

Overseas travel insurance

For overseas trips up to 3 months, overseas travel insurance includes cover for:

  • Specified medical expenses incurred overseas
  • Up to $15,000 per person cover for loss or damage to personal property
  • Up to $550 per person for loss or damage to travel documents
  • Limit of $2.5 million of personal liability cover
  • Up to $5,00 rental vehicle excess cover as specified in the policy for loss or damage to rental vehicle.

You, your spouse and your dependent children could be automatically covered for Complimentary Overseas Travel Insurance on your journey, if each of you meets the eligibility criteria, including pre-paid travel costs using your credit card. See Details for eligibility criteria and full terms and conditions.

Transit accident insurance

Up to $250,000 transit accident insurance cover against specified accidental death or injury when sustained while riding as a passenger in a plane, bus, train or ferry when you have purchased the tickets for the journey using either one of your Altitude Platinum cards before you leave.

Purchase security insurance

3 months cover against loss, theft or accidental damage for a range of personal items purchased in Australia and overseas provided the item is purchased using either one of your Altitude Platinum cards.

Extended warranty insurance

Up to 12 months extended warranty insurance cover (in addition to the manufacturer's expressed Australian warranty) on a range of personal items purchased using your either one of your Altitude Platinum cards.

For more information about our complimentary insurance covers, refer to the Westpac Credit Cards Complimentary Insurance Policy.

Access to American Express Connect

American Express Connect opens the door to unforgettable experiences and exclusive offers for American Express Card Members.

  • Access pre-sale tickets and reserved seating offers for a variety of events
  • Relax before the show in exclusive card member lounges
  • Receive special offers for dining experiences worldwide
  • Enjoy special offers for a wide range of retailers

More reasons to choose a Westpac credit card

When you combine your Westpac rewards credit card with our online banking experience you can:

  • See your rewards points and card balance at a glance with Quick Balance
  • Login quickly and securely using fingerprint login
  • Leave your card at home and tap and pay using an eligible Samsung device
  • Make automatic credit card repayments easy, with Card Autopay
  • Take the hassle out of cancelling a card you later find, by placing a temporary lock on it in seconds

Security

  •  

    Westpac customers

    Apply online in 10 minutes.
    Get a response in 60 seconds.

    $0 annual fee for the first year. New and selected cards only. ^See conditions below.

    Apply now
  •  

    New customers

    Apply online in 10 minutes.
    Get a response in 60 seconds.

    Apply now
  •  

    Give us a call

    1300 130 961 

    8am-8pm, 7 days a week

Things you should know
  • American Express® is a registered trademark of American Express.

    The Westpac American Express Card is issued by Westpac Banking Corporation pursuant to a license from American Express. 

  • Credit criteria, fees and charges apply. Offers are not available in conjunction with any special offers that are not listed on www.westpac.com.au. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible.

    Westpac is the credit provider and credit licensee under National Consumer Credit Laws.

  • Samsung is a trademark of Samsung Electronics Co. Ltd

    Rewards Points: The earning and redemption of Altitude Points and Qantas Points is subject to the Altitude Rewards and Altitude Qantas Terms and Conditions. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances. For each statement cycle a points cap of 5,000 Altitude Points or 2,500 Qantas Points applies when using either or both cards. Bonus points do not count towards the points cap.
    Effective from 9 November 2014 we will be introducing some changes to the way you earn Altitude Points and Qantas Points on ATO payments. Please see the Terms and Conditions for full details.

    Altitude Rewards: 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 the terms and conditions of the relevant frequent flyer program apply. A joining fee may apply. Availability of Reward flights may be limited. For more information on the Altitude Rewards program, visit altituderewards.com.au.

    Altitude Qantas: In order to earn and redeem points, you must be a member of the Qantas Frequent Flyer program.

    Qantas Store Products are for delivery in Australia and New Zealand only (and different products are available in each delivery location). Redemption of points through the online store is subject to terms and conditions (including store terms of use and voucher terms and conditions). See qantas.com/store for details.

    Qantas & Partner Classic Reward Seats are subject to capacity controls and availability is limited. The number of seats available depends on the flight, date, season and destination. Some flights may not have any Classic Reward seats available. For Classic Reward flights, taxes, fees and carrier charges are payable in addition to the points required, are subject to change and are quoted at the time of booking. Reward flights must be booked at least 24 hours before scheduled departure (and other advance booking requirements may apply).

    Flight Upgrades are subject to capacity controls and availability is limited. Flight upgrades are not available on Classic Rewards or on international airfares booked in E, N, O, P, Q, and X class (which includes some Any Seat Rewards and some Red e-Deals). You must have an eligible paid and confirmed ticket on a Qantas operated service (with a QF flight number on your ticket).

    Qantas & Jetstar Any Seat Rewards are available on any flight with a QF or JQ flight number. The points required will be quoted when booked. There is no fixed relationship between the cash price charges by the applicable airline for a seat and the points required to redeem an Any Seat Reward through Qantas Frequent Flyer. Special promotional fares may not apply. Reward flights must be booked at least 24 hours before scheduled departure (and other advanced booking requirements may apply). For more information see qantas.com/frequentflyer. The Jetstar Any Seat Rewards booking service is operated by Carlson Marketing Group (Aust) Pty Ltd trading as Carlson Leisure Travel Service Licence No. 2TA 5778, IATA 02-3-59523.
    For more information on the Qantas Frequent Flyer program, visit qantas.com/frequentflyer.

    Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.

  • Complimentary insurance covers: QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 which allows eligible Westpac account holders and cardholders to claim under it as third party beneficiaries. The terms, conditions, limits and exclusions, of the group policy, are set out in the Westpac Credit Cards Complimentary Insurance Policy, which may be amended from time to time. Westpac does not guarantee the insurance. You can get a copy of the policy booklet by calling 1300 859 100.


  • ^$0 annual fee in first year for existing Westpac customers promotion
    : To be eligible for this promotion you must be an existing Westpac customer that applies for a new Low Rate, Altitude, Altitude Platinum or Altitude Black card by clicking on the Westpac customers 'Apply now’ button via westpac.com.au or westpac.com.au/mobile between 7 July 2016 and 11 October 2016. The first annual fee will be debited on the 12 month anniversary of the first transaction on your account and annually thereafter on the anniversary of the first annual fee.

  • Balance transfer promotion: The promotional balance transfer rate is available when you apply for a new Westpac credit card between 7 July 2016 and 11 October 2016 and request at application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. The rates will apply to balance(s) transferred (min $200 up to 95% of your approved available credit limit) for the promotional period, unless the amount is paid off earlier. Card activation will trigger the processing of the balance transfer. The variable purchase rate will apply to balance(s) transferred but left unpaid at the end of the promotional period. Westpac will not be responsible for any delays that may occur in processing payment to your other card account(s) and will not close the account(s). The variable purchase interest rate applies to balance transfers requested at any other time. Interest free days don’t apply to balance transfers.

  • Purchase rate promotion: The introductory rate of 1% p.a. on purchases is available when you apply for a new Westpac credit card between 7 July 2016 and 11 October 2016. The introductory rate will be applied from the date of the first purchase on your account and expires 12 months after the date of card approval. At the end of this period the introductory purchase rate will switch to the variable purchase rate then applicable to your card account and any purchases that remain unpaid at that time will revert to the standard variable purchase rate then applicable to your card account.

  • Bonus points promotion: The bonus points promotion is available when you apply for a new Altitude, Altitude Platinum, Altitude Black card between 7 July 2016 and 11 October 2016 and spend the minimum amount of $2500 on eligible purchases within 90 days from card approval on one or more transactions. Eligible purchases do not include fees, cash, cash equivalent transactions, refunds and balance transfers debited from the card account. The bonus points depend on your choice of Rewards Program. The bonus Altitude Points or Qantas Points will be credited to your points balance within 12 weeks after the eligible spend criteria being met. Existing Westpac customers who currently hold an Altitude, Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months, are not eligible for this offer.

Fees

Fees overviews
Fees (these may change) Amount
Annual fee

$150

  • Special promotion: $0 annual fee in the first year for existing Westpac customers, when you apply via the Westpac customers 'Apply now’ button. New cards only. Offer ends 11 October 2016.
Foreign transaction fee

A Foreign Transaction Fee is payable as a percentage of the Australian dollar value of any Foreign Transaction. The percentage will vary depending on the applicable credit card scheme:

  1. Transactions in foreign currency
    • Visa: 3.0%
    • American Express®: 3.5%
  2. Transactions in Australian dollars and the merchant or financial institution accepting the card is located overseas:
    • Visa: 3.0%
    • American Express®: 0.0%

Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia. More about this fee.

Cash advances/withdrawal fee

An administrative charge of 2% of the value of the transaction will apply to each cash advance made on your card account, where your account has a negative (debit) balance after the transaction has been posted to it. A minimum charge of $2.50 and a maximum charge of $150 will apply. 

Where your account has a positive (credit) balance after the transaction has been posted to it, only a charge of $2.50 will apply.

These charges will appear on your credit card statement directly below the relevant cash advance.

Missed payment charge

$9 may be payable each statement cycle that the whole of the minimum monthly payment is not paid by the statement due date. If charged, the Missed Payment Charge will be debited to your account.

Over-limit fee

If your card account was opened before 4 June 2012, a fee of $9 may be debited from your credit card account every time you exceed your credit limit during a statement cycle. It is debited from your account in that statement cycle, on or after the day(s) your credit limit is exceeded. This fee may also be charged whenever your account is over limit at the commencement of a statement cycle.

Duplicate statement fee

$7.50 may be debited from your credit card account if you, or an additional cardholder, order a copy of a statement that has already been issued for your account. This fee is debited from your account on or after the day you order the duplicate statement.

Things you should know

For more information see the Consumer Credit Cards Conditions of Use (PDF 258kb),Westpac Rewards Credit Cards Concierge Service Terms and Conditions (PDF 437kb)

  •  

    Westpac customers

    Apply online in 10 minutes.
    Get a response in 60 seconds.

    $0 annual fee for the first year. New and selected cards only. ^See conditions below.

    Apply now
  •  

    New customers

    Apply online in 10 minutes.
    Get a response in 60 seconds.

    Apply now
  •  

    Give us a call

    1300 130 961 

    8am-8pm, 7 days a week

Things you should know
  • American Express® is a registered trademark of American Express.

    The Westpac American Express Card is issued by Westpac Banking Corporation pursuant to a license from American Express. 

  • Credit criteria, fees and charges apply. Offers are not available in conjunction with any special offers that are not listed on www.westpac.com.au. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible.

    Westpac is the credit provider and credit licensee under National Consumer Credit Laws.

  • Samsung is a trademark of Samsung Electronics Co. Ltd

    Rewards Points: The earning and redemption of Altitude Points and Qantas Points is subject to the Altitude Rewards and Altitude Qantas Terms and Conditions. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances. For each statement cycle a points cap of 5,000 Altitude Points or 2,500 Qantas Points applies when using either or both cards. Bonus points do not count towards the points cap.
    Effective from 9 November 2014 we will be introducing some changes to the way you earn Altitude Points and Qantas Points on ATO payments. Please see the Terms and Conditions for full details.

    Altitude Rewards: 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 the terms and conditions of the relevant frequent flyer program apply. A joining fee may apply. Availability of Reward flights may be limited. For more information on the Altitude Rewards program, visit altituderewards.com.au.

    Altitude Qantas: In order to earn and redeem points, you must be a member of the Qantas Frequent Flyer program.

    Qantas Store Products are for delivery in Australia and New Zealand only (and different products are available in each delivery location). Redemption of points through the online store is subject to terms and conditions (including store terms of use and voucher terms and conditions). See qantas.com/store for details.

    Qantas & Partner Classic Reward Seats are subject to capacity controls and availability is limited. The number of seats available depends on the flight, date, season and destination. Some flights may not have any Classic Reward seats available. For Classic Reward flights, taxes, fees and carrier charges are payable in addition to the points required, are subject to change and are quoted at the time of booking. Reward flights must be booked at least 24 hours before scheduled departure (and other advance booking requirements may apply).

    Flight Upgrades are subject to capacity controls and availability is limited. Flight upgrades are not available on Classic Rewards or on international airfares booked in E, N, O, P, Q, and X class (which includes some Any Seat Rewards and some Red e-Deals). You must have an eligible paid and confirmed ticket on a Qantas operated service (with a QF flight number on your ticket).

    Qantas & Jetstar Any Seat Rewards are available on any flight with a QF or JQ flight number. The points required will be quoted when booked. There is no fixed relationship between the cash price charges by the applicable airline for a seat and the points required to redeem an Any Seat Reward through Qantas Frequent Flyer. Special promotional fares may not apply. Reward flights must be booked at least 24 hours before scheduled departure (and other advanced booking requirements may apply). For more information see qantas.com/frequentflyer. The Jetstar Any Seat Rewards booking service is operated by Carlson Marketing Group (Aust) Pty Ltd trading as Carlson Leisure Travel Service Licence No. 2TA 5778, IATA 02-3-59523.
    For more information on the Qantas Frequent Flyer program, visit qantas.com/frequentflyer.

    Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.

  • Complimentary insurance covers: QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 which allows eligible Westpac account holders and cardholders to claim under it as third party beneficiaries. The terms, conditions, limits and exclusions, of the group policy, are set out in the Westpac Credit Cards Complimentary Insurance Policy, which may be amended from time to time. Westpac does not guarantee the insurance. You can get a copy of the policy booklet by calling 1300 859 100.


  • ^$0 annual fee in first year for existing Westpac customers promotion
    : To be eligible for this promotion you must be an existing Westpac customer that applies for a new Low Rate, Altitude, Altitude Platinum or Altitude Black card by clicking on the Westpac customers 'Apply now’ button via westpac.com.au or westpac.com.au/mobile between 7 July 2016 and 11 October 2016. The first annual fee will be debited on the 12 month anniversary of the first transaction on your account and annually thereafter on the anniversary of the first annual fee.

  • Balance transfer promotion: The promotional balance transfer rate is available when you apply for a new Westpac credit card between 7 July 2016 and 11 October 2016 and request at application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. The rates will apply to balance(s) transferred (min $200 up to 95% of your approved available credit limit) for the promotional period, unless the amount is paid off earlier. Card activation will trigger the processing of the balance transfer. The variable purchase rate will apply to balance(s) transferred but left unpaid at the end of the promotional period. Westpac will not be responsible for any delays that may occur in processing payment to your other card account(s) and will not close the account(s). The variable purchase interest rate applies to balance transfers requested at any other time. Interest free days don’t apply to balance transfers.

  • Purchase rate promotion: The introductory rate of 1% p.a. on purchases is available when you apply for a new Westpac credit card between 7 July 2016 and 11 October 2016. The introductory rate will be applied from the date of the first purchase on your account and expires 12 months after the date of card approval. At the end of this period the introductory purchase rate will switch to the variable purchase rate then applicable to your card account and any purchases that remain unpaid at that time will revert to the standard variable purchase rate then applicable to your card account.

  • Bonus points promotion: The bonus points promotion is available when you apply for a new Altitude, Altitude Platinum, Altitude Black card between 7 July 2016 and 11 October 2016 and spend the minimum amount of $2500 on eligible purchases within 90 days from card approval on one or more transactions. Eligible purchases do not include fees, cash, cash equivalent transactions, refunds and balance transfers debited from the card account. The bonus points depend on your choice of Rewards Program. The bonus Altitude Points or Qantas Points will be credited to your points balance within 12 weeks after the eligible spend criteria being met. Existing Westpac customers who currently hold an Altitude, Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months, are not eligible for this offer.

Rates

Transaction Interest rates
Purchases 20.24% p.a. (variable)
Cash advances 20.74% p.a. (variable)
Special purchase rate promotion:
See 'Things you should know' below for terms and conditions’
1% p.a. on purchases for up to 12 months from card approval
Rate then switches to standard variable purchase rate.
Special balance transfer promotion:
See 'Things you should know' below for terms and conditions’
0.00% p.a. for 16 months on balance transfers requested at card application.
  •  

    Westpac customers

    Apply online in 10 minutes.
    Get a response in 60 seconds.

    $0 annual fee for the first year. New and selected cards only. ^See conditions below.

    Apply now
  •  

    New customers

    Apply online in 10 minutes.
    Get a response in 60 seconds.

    Apply now
  •  

    Give us a call

    1300 130 961 

    8am-8pm, 7 days a week

Things you should know
  • American Express® is a registered trademark of American Express.

    The Westpac American Express Card is issued by Westpac Banking Corporation pursuant to a license from American Express. 

  • Credit criteria, fees and charges apply. Offers are not available in conjunction with any special offers that are not listed on www.westpac.com.au. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible.

    Westpac is the credit provider and credit licensee under National Consumer Credit Laws.

  • Samsung is a trademark of Samsung Electronics Co. Ltd

    Rewards Points: The earning and redemption of Altitude Points and Qantas Points is subject to the Altitude Rewards and Altitude Qantas Terms and Conditions. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances. For each statement cycle a points cap of 5,000 Altitude Points or 2,500 Qantas Points applies when using either or both cards. Bonus points do not count towards the points cap.
    Effective from 9 November 2014 we will be introducing some changes to the way you earn Altitude Points and Qantas Points on ATO payments. Please see the Terms and Conditions for full details.

    Altitude Rewards: 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 the terms and conditions of the relevant frequent flyer program apply. A joining fee may apply. Availability of Reward flights may be limited. For more information on the Altitude Rewards program, visit altituderewards.com.au.

    Altitude Qantas: In order to earn and redeem points, you must be a member of the Qantas Frequent Flyer program.

    Qantas Store Products are for delivery in Australia and New Zealand only (and different products are available in each delivery location). Redemption of points through the online store is subject to terms and conditions (including store terms of use and voucher terms and conditions). See qantas.com/store for details.

    Qantas & Partner Classic Reward Seats are subject to capacity controls and availability is limited. The number of seats available depends on the flight, date, season and destination. Some flights may not have any Classic Reward seats available. For Classic Reward flights, taxes, fees and carrier charges are payable in addition to the points required, are subject to change and are quoted at the time of booking. Reward flights must be booked at least 24 hours before scheduled departure (and other advance booking requirements may apply).

    Flight Upgrades are subject to capacity controls and availability is limited. Flight upgrades are not available on Classic Rewards or on international airfares booked in E, N, O, P, Q, and X class (which includes some Any Seat Rewards and some Red e-Deals). You must have an eligible paid and confirmed ticket on a Qantas operated service (with a QF flight number on your ticket).

    Qantas & Jetstar Any Seat Rewards are available on any flight with a QF or JQ flight number. The points required will be quoted when booked. There is no fixed relationship between the cash price charges by the applicable airline for a seat and the points required to redeem an Any Seat Reward through Qantas Frequent Flyer. Special promotional fares may not apply. Reward flights must be booked at least 24 hours before scheduled departure (and other advanced booking requirements may apply). For more information see qantas.com/frequentflyer. The Jetstar Any Seat Rewards booking service is operated by Carlson Marketing Group (Aust) Pty Ltd trading as Carlson Leisure Travel Service Licence No. 2TA 5778, IATA 02-3-59523.
    For more information on the Qantas Frequent Flyer program, visit qantas.com/frequentflyer.

    Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.

  • Complimentary insurance covers: QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 which allows eligible Westpac account holders and cardholders to claim under it as third party beneficiaries. The terms, conditions, limits and exclusions, of the group policy, are set out in the Westpac Credit Cards Complimentary Insurance Policy, which may be amended from time to time. Westpac does not guarantee the insurance. You can get a copy of the policy booklet by calling 1300 859 100.


  • ^$0 annual fee in first year for existing Westpac customers promotion
    : To be eligible for this promotion you must be an existing Westpac customer that applies for a new Low Rate, Altitude, Altitude Platinum or Altitude Black card by clicking on the Westpac customers 'Apply now’ button via westpac.com.au or westpac.com.au/mobile between 7 July 2016 and 11 October 2016. The first annual fee will be debited on the 12 month anniversary of the first transaction on your account and annually thereafter on the anniversary of the first annual fee.

  • Balance transfer promotion: The promotional balance transfer rate is available when you apply for a new Westpac credit card between 7 July 2016 and 11 October 2016 and request at application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. The rates will apply to balance(s) transferred (min $200 up to 95% of your approved available credit limit) for the promotional period, unless the amount is paid off earlier. Card activation will trigger the processing of the balance transfer. The variable purchase rate will apply to balance(s) transferred but left unpaid at the end of the promotional period. Westpac will not be responsible for any delays that may occur in processing payment to your other card account(s) and will not close the account(s). The variable purchase interest rate applies to balance transfers requested at any other time. Interest free days don’t apply to balance transfers.

  • Purchase rate promotion: The introductory rate of 1% p.a. on purchases is available when you apply for a new Westpac credit card between 7 July 2016 and 11 October 2016. The introductory rate will be applied from the date of the first purchase on your account and expires 12 months after the date of card approval. At the end of this period the introductory purchase rate will switch to the variable purchase rate then applicable to your card account and any purchases that remain unpaid at that time will revert to the standard variable purchase rate then applicable to your card account.

  • Bonus points promotion: The bonus points promotion is available when you apply for a new Altitude, Altitude Platinum, Altitude Black card between 7 July 2016 and 11 October 2016 and spend the minimum amount of $2500 on eligible purchases within 90 days from card approval on one or more transactions. Eligible purchases do not include fees, cash, cash equivalent transactions, refunds and balance transfers debited from the card account. The bonus points depend on your choice of Rewards Program. The bonus Altitude Points or Qantas Points will be credited to your points balance within 12 weeks after the eligible spend criteria being met. Existing Westpac customers who currently hold an Altitude, Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months, are not eligible for this offer.

Details

Additional cardholder

  • Add one additional cardholder (16 years or older) at no extra cost
  • The account holder (primary cardholder) is liable for all transactions on these cards and their own card
  • Purchases made by an additional cardholder earn rewards points for the account holder only.

Important numbers

Minimum card limit: $6,000

Recommended income to apply: $30,000

Earning points

The details on how and when you earn Altitude and Qantas Points are in the Altitude Terms and Conditions.

Overseas travel insurance eligibility criteria

To be eligible for this complimentary overseas travel insurance, before leaving Australia on an overseas journey, you must have a return overseas travel ticket, and need to have prepaid at least AUD$500 of your travel costs using your eligible card.

If you are eligible for overseas travel insurance, your spouse and/or dependent children also become eligible provided:

  • They are travelling with you for the entire journey
  • They each have a return overseas travel ticket
  • AUD$500 of each of their prepaid travel costs has been charged to your Altitude Black credit card.

Please note for overseas travel insurance, the cover is only available to persons up to and including 80 years of age.

For full terms and conditions see the Complimentary Insurance Terms and Conditions.

  •  

    Westpac customers

    Apply online in 10 minutes.
    Get a response in 60 seconds.

    $0 annual fee for the first year. New and selected cards only. ^See conditions below.

    Apply now
  •  

    New customers

    Apply online in 10 minutes.
    Get a response in 60 seconds.

    Apply now
  •  

    Give us a call

    1300 130 961 

    8am-8pm, 7 days a week

Things you should know
  • American Express® is a registered trademark of American Express.

    The Westpac American Express Card is issued by Westpac Banking Corporation pursuant to a license from American Express. 

  • Credit criteria, fees and charges apply. Offers are not available in conjunction with any special offers that are not listed on www.westpac.com.au. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible.

    Westpac is the credit provider and credit licensee under National Consumer Credit Laws.

  • Samsung is a trademark of Samsung Electronics Co. Ltd

    Rewards Points: The earning and redemption of Altitude Points and Qantas Points is subject to the Altitude Rewards and Altitude Qantas Terms and Conditions. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances. For each statement cycle a points cap of 5,000 Altitude Points or 2,500 Qantas Points applies when using either or both cards. Bonus points do not count towards the points cap.
    Effective from 9 November 2014 we will be introducing some changes to the way you earn Altitude Points and Qantas Points on ATO payments. Please see the Terms and Conditions for full details.

    Altitude Rewards: 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 the terms and conditions of the relevant frequent flyer program apply. A joining fee may apply. Availability of Reward flights may be limited. For more information on the Altitude Rewards program, visit altituderewards.com.au.

    Altitude Qantas: In order to earn and redeem points, you must be a member of the Qantas Frequent Flyer program.

    Qantas Store Products are for delivery in Australia and New Zealand only (and different products are available in each delivery location). Redemption of points through the online store is subject to terms and conditions (including store terms of use and voucher terms and conditions). See qantas.com/store for details.

    Qantas & Partner Classic Reward Seats are subject to capacity controls and availability is limited. The number of seats available depends on the flight, date, season and destination. Some flights may not have any Classic Reward seats available. For Classic Reward flights, taxes, fees and carrier charges are payable in addition to the points required, are subject to change and are quoted at the time of booking. Reward flights must be booked at least 24 hours before scheduled departure (and other advance booking requirements may apply).

    Flight Upgrades are subject to capacity controls and availability is limited. Flight upgrades are not available on Classic Rewards or on international airfares booked in E, N, O, P, Q, and X class (which includes some Any Seat Rewards and some Red e-Deals). You must have an eligible paid and confirmed ticket on a Qantas operated service (with a QF flight number on your ticket).

    Qantas & Jetstar Any Seat Rewards are available on any flight with a QF or JQ flight number. The points required will be quoted when booked. There is no fixed relationship between the cash price charges by the applicable airline for a seat and the points required to redeem an Any Seat Reward through Qantas Frequent Flyer. Special promotional fares may not apply. Reward flights must be booked at least 24 hours before scheduled departure (and other advanced booking requirements may apply). For more information see qantas.com/frequentflyer. The Jetstar Any Seat Rewards booking service is operated by Carlson Marketing Group (Aust) Pty Ltd trading as Carlson Leisure Travel Service Licence No. 2TA 5778, IATA 02-3-59523.
    For more information on the Qantas Frequent Flyer program, visit qantas.com/frequentflyer.

    Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.

  • Complimentary insurance covers: QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 which allows eligible Westpac account holders and cardholders to claim under it as third party beneficiaries. The terms, conditions, limits and exclusions, of the group policy, are set out in the Westpac Credit Cards Complimentary Insurance Policy, which may be amended from time to time. Westpac does not guarantee the insurance. You can get a copy of the policy booklet by calling 1300 859 100.


  • ^$0 annual fee in first year for existing Westpac customers promotion
    : To be eligible for this promotion you must be an existing Westpac customer that applies for a new Low Rate, Altitude, Altitude Platinum or Altitude Black card by clicking on the Westpac customers 'Apply now’ button via westpac.com.au or westpac.com.au/mobile between 7 July 2016 and 11 October 2016. The first annual fee will be debited on the 12 month anniversary of the first transaction on your account and annually thereafter on the anniversary of the first annual fee.

  • Balance transfer promotion: The promotional balance transfer rate is available when you apply for a new Westpac credit card between 7 July 2016 and 11 October 2016 and request at application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. The rates will apply to balance(s) transferred (min $200 up to 95% of your approved available credit limit) for the promotional period, unless the amount is paid off earlier. Card activation will trigger the processing of the balance transfer. The variable purchase rate will apply to balance(s) transferred but left unpaid at the end of the promotional period. Westpac will not be responsible for any delays that may occur in processing payment to your other card account(s) and will not close the account(s). The variable purchase interest rate applies to balance transfers requested at any other time. Interest free days don’t apply to balance transfers.

  • Purchase rate promotion: The introductory rate of 1% p.a. on purchases is available when you apply for a new Westpac credit card between 7 July 2016 and 11 October 2016. The introductory rate will be applied from the date of the first purchase on your account and expires 12 months after the date of card approval. At the end of this period the introductory purchase rate will switch to the variable purchase rate then applicable to your card account and any purchases that remain unpaid at that time will revert to the standard variable purchase rate then applicable to your card account.

  • Bonus points promotion: The bonus points promotion is available when you apply for a new Altitude, Altitude Platinum, Altitude Black card between 7 July 2016 and 11 October 2016 and spend the minimum amount of $2500 on eligible purchases within 90 days from card approval on one or more transactions. Eligible purchases do not include fees, cash, cash equivalent transactions, refunds and balance transfers debited from the card account. The bonus points depend on your choice of Rewards Program. The bonus Altitude Points or Qantas Points will be credited to your points balance within 12 weeks after the eligible spend criteria being met. Existing Westpac customers who currently hold an Altitude, Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months, are not eligible for this offer.