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Special offer for a limited time

    

Annual card fee: $0 for the first year (usually $150)~

Annual membership fee: $50 (when you select Altitude Qantas or Altitude Velocity)

Variable purchase rate: 8% p.a. for the first year (usually 20.49% p.a.)#

Variable cash advance rate: 21.49% p.a.

Interest free days on purchases: Up to 45

Minimum credit limit: $6,000

Minimum income required: $30,000

 

Upgrades only, offer not available to existing Altitude Platinum credit card customers. Exclusions apply.


Choose your rewards program:

Velocity Points earn rate on eligible purchases, uncapped:6

Earn 0.5 Velocity Points per dollar spent on all eligible purchases. 


Why choose the Altitude Platinum credit card?

Economy X Seat Upgrade Vouchers

If you choose Altitude Velocity you'll also get 2 complimentary Economy X Seat Upgrade Vouchers each year to use on selected domestic Virgin Australia flights.*

Available when you spend with Virgin Australia on your Mastercard®.

Complimentary insurance covers4

Complimentary cover for overseas travel, extended warranty, purchase security and transit accidents, subject to the terms and conditions set out in the Westpac Credit Cards Complimentary Insurance Policy.

Get rewarded sooner

Earn points faster by adding one additional cardholder (16 years or older) at no extra cost.6

Easy cashback

Enjoy being rewarded by Westpac when you shop, dine, travel or are entertained. Our Extras loyalty program gives you cashback for life’s simple pleasures.

Altitude Points earn rate on eligible purchases, uncapped:6

  • Earn 2 points per dollar spent^6^ overseas ^^ and with Spotify Premium, Airbnb, Uber and Uber Eats plus overseas transactions.
  • Earn 1 point per dollar^6^ on all other everyday eligible purchases^†^.
  • You can also earn additional Altitude Points with selected airlines.<<

Why choose the Altitude Platinum credit card?

Complimentary insurance covers 4

Complimentary cover for overseas travel, extended warranty, purchase security, transit accidents, subject to the terms and conditions set out in the Westpac Credit Cards Complimentary Insurance Policy.

Get rewarded sooner

Earn points faster by adding one additional cardholder (16 years or older) at no extra cost.6

Apple Pay is here

Apple Pay offers a fast and secure way to pay in-store and online, using your favourite Apple device.

Qantas Points earn rate on eligible purchases, uncapped:6

Earn 0.5 Qantas Points per dollar spent on all eligible purchases. 


Why choose the Altitude Platinum credit card?

Complimentary insurance covers 4

Complimentary cover for overseas travel, extended warranty, purchase security, transit accidents, subject to the terms and conditions set out in the Westpac Credit Cards Complimentary Insurance Policy.

Get rewarded sooner

Earn points faster by adding one additional cardholder (16 years or older) at no extra cost.6

Apple Pay is here

Apple Pay offers a fast and secure way to pay in-store and online, using your favourite Apple device.


How to upgrade

Via Online Banking

You can upgrade your credit card within Online Banking.

You’ll need your 8 digit customer number, password and promotional code.

 

By telephone

Call us on 1300 651 089 and quote your promotional code when upgrading.

 

In branch

Visit a Westpac branch and quote your promotional code when upgrading.

Things you should know

Conditions, fees and credit criteria apply. Offer only available to the addressees of related offer email communication. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion. This information is general in nature and has been prepared without taking your objectives, needs and overall financial situation into account. For this reason, you should consider the appropriateness of the information to your own circumstances and, if necessary, seek appropriate professional advice.

~The first-year annual card fee waiver is available when you are an existing Westpac credit cardholder, apply and are approved for an upgrade to a new Altitude Platinum credit card before the offer end date. The first full annual card fee will be debited on the 12-month anniversary of the first transaction on your account and annually thereafter.

#Purchase Rate Promotion: The first-year reduced purchase rate of 8% p.a. is available when you are an existing Westpac credit cardholder, apply and are approved for an upgrade to a new Altitude Platinum credit card during the promotional period. The promotional purchase rate will only apply for the promotional period from the date your card upgrade is approved. After the end of the promotional period, the rate will switch to the standard variable purchase rate then applicable to your card account.

6. Rewards Points: The earning and redemption of Altitude Points, Velocity 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 you have not paid the Minimum Payment Due in full and on time and in other circumstances. Qantas and Velocity Points earned during a statement cycle are added to your respective Points balance on a monthly basis.

Registered to BPAY Pty Ltd ABN 69 079 137 518

Altitude Velocity or Qantas: In order to earn and redeem points, you must be a member of the relevant Frequent Flyer program. An annual $50 Rewards fee applies for customers who choose this option.

2. Westpac Extras: The Westpac Extras program is subject to the terms and conditions at Westpac.com.au/extras. Offers will also be subject to their own terms and conditions.

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 321KB) which may be amended from time to time. Westpac does not guarantee this insurance.

*Economy X Seat Upgrade Vouchers: Two complimentary Economy X Seat Upgrade Vouchers (for eligible domestic flights only) are available to Westpac Altitude Platinum Mastercard and Westpac Altitude Black Mastercard primary cardholders earning Velocity Points through the Altitude Velocity rewards program. To be eligible, your card account must not be in arrears for more than two consecutive statement cycles in accordance with the Altitude Terms and Conditions, you must have provided Westpac with your Velocity Frequent Flyer number and you have made a direct spend with Virgin Australia (Eligible Spend) on your Altitude Platinum Mastercard or Altitude Black Mastercard every year from card open date. Economy X Seat Upgrade Vouchers are valid for 12 months from date of issuance and will appear on your Velocity Frequent Flyer membership account within 10 business days of meeting Eligible Spend. Economy X Seat Upgrades are available to other passengers travelling on the same itinerary as the primary cardholder. Each Economy X Seat Upgrade Voucher can only be redeemed on an eligible non-stop Virgin Australia operated domestic Australian flight. The Economy X Upgrade Voucher is valid per single flight sector only.  All Economy X Seat Upgrade Voucher redemptions are subject to availability. All travel is subject to the Virgin Australia Fare Conditions and Virgin Australia Conditions of Carriage as amended from time to time. No Velocity Points or Status Credits will be awarded for Economy X Seat Upgrade Voucher redemptions. To redeem, book an eligible domestic flight with Virgin Australia on your Altitude Velocity Mastercard and then call the Virgin Australia Guest Contact Centre on 1300 038 373 at least 24 hours prior to your flight to apply your Economy X Seat Upgrade. All Economy X Seat Upgrade Voucher redemptions are subject to availability and neither Virgin Australia nor Westpac guarantee that Economy X seats will be available on the flight you may wish to redeem on.  All travel is subject to the Economy X standard Terms and Conditions and the Virgin Australia Fare Conditions and Virgin Australia Conditions of Carriage as amended from time to time. 

<< Altitude Points Accelerated Earn: Available for Altitude Rewards cards only, excludes Westpac Altitude Qantas and Altitude Velocity cards. For details on Accelerated Earn partner airlines and merchants visit Altitude Platinum or Altitude Black. Accelerated Earn partners are subject to change.