Altitude Platinum Plus Mastercard (no longer for sale)
Latest Information
Our Altitude Platinum Plus and Altitude Qantas Platinum Plus credit cards are no longer available. See our credit card comparison for a full range of available credit cards.
Essentials
Points earned per $1 spent on eligible purchases
If you have chosen Altitude Rewards:
1 point - Altitude Platinum Plus Visa or Mastercard®
If you have chosen Altitude Qantas:
- 0.5 Qantas Points - Altitude Qantas Platinum Plus Visa Card
- A $50 Qantas Rewards fee applies for customers who choose to earn Qantas Points through the Altitude Qantas rewards program
Insurance 4
- Complimentary insurance cover. 4
Variable interest rates
- On purchases - 20.24% p.a.
- On cash advances - 21.49% p.a.
Interest free days and more
- Up to 45 days interest free on purchases when you pay the closing balance (excluding any promotional balance transfer amount) in full by the due date shown on your statement
- Annual card fee currently $250
- Minimum card limit $8,000.
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
| Rewards | If you have Altitude Rewards | If you have Altitude Qantas |
|---|---|---|
| Points earned on eligible purchases - Visa or Mastercard | $1 = 1 Altitude Points | $1 = 0.5 Qantas Points |
| Earning Bonus points |
|
|
| Redeeming your points | Redeeming Altitude Points: You can redeem your Altitude Points (minimum 3,000) for a wide range of rewards, including:
You can also use your Altitude Points to redeem frequent flyer points from 4 different frequent flyer programs:
|
|
More about Altitude Points
You do not earn Altitude Points on payments to the Australian Taxation Office.
You must be a member of the relevant frequent flyer program to redeem Altitude Points for frequent flyer points. The Altitude 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:
- View the latest altitude rewards magazine, new rewards and special offers
- Redeem Altitude Points for rewards
- Check your Altitude Rewards account.
More about Qantas Points
You do not earn Qantas Points on payments to the Australian Taxation Office.
You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. The Terms and Conditions of the Qantas Frequent Flyer program also apply. For more details on the Qantas Frequent Flyer program visit qantas.com/frequentflyer or contact the Qantas Frequent Flyer Service Centre on 13 11 31. The Jetstar Any Seat Awards booking service and the Qantas Frequent Flyer Store are operated by Carlson Marketing Group (Aust) Pty Ltd trading as Carlson Leisure Travel Service. Licence No. 2TA 5778, IATA 02-3 59523.
Features
Complimentary Insurances 4
Access to Interstate Flight Inconvenience Insurance and Rental Vehicle Excess in Australia cover, up to 6 months’ complimentary cover for international travel insurance, plus extended warranty, purchase protection for up to 4 months and overseas transit accident insurance. (terms, conditions, exclusions and eligibility criteria apply).
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 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:
- Cardshield™
- Register with Mastercard® SecureCode™ through the Westpac Added Online Security service
- Fraud Protection, 24/7
All mobile payments are backed by our Fraud Money Back Guarantee. Plus, you can choose to enter your mobile banking password each time you make a purchase for added peace of mind or disable mobile payments in your phone’s NFC settings at any time.
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.
Westpac Fraud Money Back Guarantee ensures that any unauthorised transaction claims will be reimbursed provided that the cardholder has not contributed to the loss and contacted us promptly. Refer to the Credit Card Terms and Conditions for full details of when cardholders may be liable. Further information on resolving debit card transactional issues please go to what to do if there is a fraudulent transaction on your card.
Credit card repayment protection
Credit card repayment protection is optional insurance that could help make your repayments if you unexpectedly lose your job, or can’t work because of illness or injury. It could also pay off your outstanding balance (up to $50,000) if you pass away.
If you are a policyholder, your monthly premium appears in your credit card transactions as “Credit Card Repayment Protection” and may be subject to credit card interest charges.
Policy limits and exclusions apply which mean you won’t be covered in some instances as set out in the Product Disclosure Statement (PDS) or policy wording, for example: voluntary redundancy or resignation, if your employment ceases at the end of a contract, or if you’re aged 66 years or over.
To find out more or make a claim; simply visit westpac.com.au/ccrp or call us on 1300 369 989.
Important note: Credit Card Repayment Protection is no longer available for new sales. The following product information is for existing policyholders.
Credit Card Repayment Protection, Flexi Loan Repayment Protection and Personal Loan Protection are issued by Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (AAIL) (issuer of the unfit for work and job loss covers) and TAL Life Insurance Services Limited ABN 31 003 149 157 AFSL 233728 (TLISL) (issuer of the death cover).
TLISL is part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL).
Westpac is a trade mark of Westpac Banking Corporation ABN 33 007 457 141 and is used by AAIL and TLISL under licence.
This information does not take into account your personal circumstances, so please consider the Product Disclosure Statement or policy wording. To obtain a copy please call 1300 369 989.
Fees
Fees overviews
| Fees (these may change) | Amount |
|---|---|
| Annual card fee | Currently $250 |
| Qantas Rewards fee | $50 (Altitude Qantas only) |
| 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
2. Transactions in Australian dollars and the merchant or financial institution accepting the card is located overseas:
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 advance fee | An administrative charge of 3% of the value of the transaction will apply to each cash advance made on your card account. These charges will appear on your credit card statement directly below the relevant cash advance. |
| Missed payment fee | $15 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 Fee will be debited to your account. |
| Overlimit fee | If your card account was opened before 4 June 2012, a fee of $15 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. |
| Non-Westpac Group ATM fee | Although not a Westpac fee, using your card in a non-Westpac Group ATM may result in a charge to you. Avoid this fee by using one of Westpac’s extensive network of ATMS across Australia (including any St.George, BankSA and Bank of Melbourne ATMs) . Find a Westpac Group ATM. |
| Credit card surcharge | In some instances, businesses may administer a ‘surcharge’ for credit card payments. Usually, these are a percentage fee of your purchase amount. Ask the merchant if a surcharge applies and how much it is before paying if you’re unsure. |
Rates
| Transaction | Interest rates |
|---|---|
| Purchases | 20.24% p.a. (variable) |
| Cash advances | 21.49% p.a. (variable) |
Contact us
Please feel free to contact us anytime on 1300 859 100.
Things you should know
Westpac Credit Cards Complimentary Insurance Policy (PDF 149KB) (effective 1 October 2017)
Credit Card Repayment Protection Product Disclosure Statement (PDF 1MB)
Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
4. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), 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 persons to claim under it as third party beneficiaries. Access to the benefit of cover under the Credit Card Complimentary Insurance is provided to eligible Westpac cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). If an eligible persons wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, limits and exclusions contained in the Complimentary Insurance Policy Information booklet (PDF 898KB) which may be amended from time to time. This insurance is underwritten by Allianz. Westpac does not guarantee this insurance. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it.