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Looking to apply for a new Altitude Platinum MasterCard?

Our Altitude Platinum MasterCard credit card is no longer available for sale. See our credit card comparison for a full range of available credit cards.

Altitude Platinum MasterCard holders

If you currently have an Altitude Platinum MasterCard, effective 9 November 2014, we will be introducing some changes to the way you earn Altitude Points on ATO payments. Existing benefits, features, fees and the conditions that apply are outlined below.

Essentials

Two cards linked to one account

An Altitude Platinum American Express® Card for maximum points earn and an Altitude Platinum MasterCard® for worldwide acceptance

Points earned per $1 spent on eligible purchases

  • 2 points - Altitude Platinum American Express® Card
  • 1 point - Altitude Platinum MasterCard
  • For each statement cycle a points cap of 7,500 points applies when using either or both cards. Bonus points do not count towards the points cap.

Insurance and Concierge

  • Platinum concierge service
  • Complimentary insurance cover.

Variable interest rates

  • 20.24% p.a. on purchases
  • 20.74% p.a. on cash advances.

Interest free days and more

  • Up to 45 days interest free on purchases when you pay the closing balance (including any promotional balance transfer amount) in full by the due date shown on your statement
  • Minimum card limit $6,000

What is a statement cycle?

The period from one statement date to the next statement date is called the monthly statement cycle. The statement date is the date your statement is issued.

Rewards

Earning reward points:

  • Earn 2 Altitude Points per $1 spent on purchases on your Altitude Platinum American Express® Card for maximum points earning
  • Earn 1 Altitude Point per $1 spent on purchases on your Altitude Platinum MasterCard®
  • For each statement cycle a points cap of 7,500 points applies when using either or both cards. Bonus points do not count towards the points cap.

Bonus rewards points

Earn up to 3 bonus Altitude Points per $1 spent on purchases at participating Bonus Partners. See altituderewards.com.au for details

Redeeming Altitude Points

You can redeem your Altitude reward points (minimum 3,000) for a wide range of rewards, including:

  • Technology, including products from Apple, Sony and Bose
  • Homewares, including products by Dyson, Kitchenaid and Tefal
  • Gift cards and retail vouchers, including from Westfield, David Jones, Myer, Harvey Norman and Bunnings.

You can also use your Altitude points to redeem frequent flyer points from 5 different frequent flyer programs:

  • Virgin Australia’s Velocity
  • Malaysia Airline’s Enrich
  • Air New Zealand Airpoints
  • Singapore Airlines KrisFlyer
  • Cathay Pacific AsiaMiles.

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. Availability of award flights may be limited.

Visit altituderewards.com.au or sign in to Altitude Rewards through Westpac Online Banking to:

Earning Altitude Points on all Altitude Platinum credit cards

The details on how and when you earn Altitude Points, are in the Altitude Rewards and Altitude Qantas Terms and Conditions (PDF 3MB).

Effective 9 November 2014, we will be introducing some changes to the way you earn Altitude Points on ATO payments. For more details see the Terms and Conditions.

For each statement cycle a points cap of 7,500 points applies when using either or both cards. Bonus points do not count towards the points cap.

What is a statement cycle?

The period from one statement date to the next statement date is called the monthly statement cycle. The statement date is the date your statement is issued.

Features

Complimentary Platinum Concierge Service

Concierge is your own personal assistant, providing emergency assistance worldwide as well as helping you find the perfect party venue, or get tickets to your favourite game. It's all just a phone call away. This service is available 24 hours a day, 7 days a week from anywhere in the world.

Complimentary insurance

A range of complimentary insurance covers come with your cards as set out in the Westpac Credit Cards Complimentary Insurance Policy.

Overseas travel insurance

For overseas trips up to 3 months, cover includes:

  • 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 $5,000 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 meet the eligibility criteria, including pre-paid travel costs using your credit card.

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 of your Altitude Platinum credit cards before you leave.

Purchase security insurance

3 months cover against loss, theft or accidental damage for most new items purchased in Australia and overseas provided the purchase is charged to the credit card account.

Extended warranty insurance

Up to 12 months extended warranty insurance cover (in addition to the manufacturer’s expressed Australian warranty) on most new personal items purchased using your Altitude Platinum credit cards.

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 card holder earn Altitude rewards points for the account holder only.

Contactless technology

For a fast and convenient payment option for purchases under $100 - simply hold your contactless card against the terminal wherever you see the contactless symbol or your card logo - no need to enter a PIN or sign (where available).

  • Now you can use your Samsung Galaxy S5, S4 or Note 3 (N9005) smartphone to tap and pay for everyday purchases.
  • Simply download the Westpac Mobile Banking app and choose which debit or credit cards you wish to use for mobile payments
  • To make a payment simply hold the back of your Samsung Galaxy S5, S4 or Note 3 (N9005) smartphone against the contactless terminal.

Card security

As well as an embedded microchip, take advantage of additional security measures helping defend against fraudulent activity:

Fraud Money Back Guarantee

Cardholders will be reimbursed for unauthorised transactions, provided the cardholder didn't contribute to the loss and notified Westpac promptly. Refer to the T&Cs for full details of when cardholders may be liable.

Fees

Fees overviews

Fees (these may change) Amount
Annual fee $150
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

  • MasterCard®: 3.0%
  • American Express®: 3.5%

2. Transactions in Australian dollars and the merchant or financial institution accepting the card is located overseas:

  • MasterCard®: 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.

For more information, see Consumer Credit Card - Conditions of Use (PDF 229KB).

Rates

Transaction Interest rates
Purchases 20.24% p.a. (variable)
Cash advances 20.74% p.a. (variable)

Details

Consumer Credit Cards - Conditions of Use (PDF 229KB)

Altitude Rewards and Altitude Qantas Terms and Conditions (PDF 3MB)

Westpac Rewards Cards Emergency Travel Assistance Terms and Conditions (PDF 116KB)

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

For more details on the Altitude Rewards Program visit altituderewards.com.au

Credit card repayment protection

Optional credit card repayment protection insurance helps cover your card repayment obligations if you lose your job, or are unfit for work due to sickness, injury, or disease.

Credit Card Repayment Protection Product Disclosure Statement (PDF 229KB)

This insurance is issued by Westpac General Insurance Limited ABN 99 003 719 319 (WGIL) and Westpac Life Insurance Services Limited ABN 31 003 149 157 (WLIS) each of which is liable for separate risks under the terms of the policy. This product is distributed by Westpac Banking Corporation ABN 33 007 457 141 (the Bank) and is not an investment in or deposit with the Bank. No Westpac Group company (other than the Bank as policy distributor and WGIL and WLIS as the product issuers) has any liability in connection with the policy or this document. The Bank doesn’t guarantee payments under the policy.

For more information, see Consumer Credit Card - Conditions of Use (PDF 229KB).

Contact us

Please feel free to contact us anytime on 1300 367 228.

Things you should know

World MasterCard®, MasterCard® and the MasterCard brand mark are registered trademarks, and PayPass is a trademark of MasterCard International Incorporated.

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.

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 130 961.