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Platinum features at no extra charge.

You can accept your complimentary upgrade by activating the card(s) you’ll receive in the mail in November.

Westpac Altitude Platinum Visa rewards card

What does this mean for you and your account?

Our rewards credit cards are changing.

On 1 July 2017, the Reserve Bank of Australia introduced new regulations which affect all credit cards issued by Australian banks, particularly American Express cards. As a result, Westpac has reviewed its rewards cards and will close all Westpac-issued American Express cards from 4 April 2018.   

If you have an Earth American Express® Card linked to your card account, you can continue to use it as usual, until 4 April 2018, with no change to the number of points you earn on eligible purchases. However, if your card is due to expire in March 2018, your Earth American Express card will not be renewed, and will close slightly earlier.

As a valued customer, you deserve Platinum benefits.

We understand the effect these changes may have and value you as a customer, so would like to offer you a complimentary upgrade from Earth to our Altitude Platinum credit card. This brings you access to great new benefits, including:

  • travel insurance for overseas trips up to 3 months, in accordance with the policy
  • purchase insurance including 3 months cover against loss, theft or accidental damage, in accordance with the policy
  • personal concierge services on call 24/7 to help you book restaurants and events
  • unlimited points earn on eligible purchases from 4 April 2018 (currently capped at 3,750 points per statement cycle).

There will be no change to your Annual Card Fee, interest rate, PIN and credit limit as a result of this upgrade.
If you choose not to activate your new Altitude Platinum cards, you can continue to use your Earth cards as usual.
Below, we’ve outlined what will change for both your current Earth cards and your Altitude Platinum upgrade, should you choose to activate the cards when they arrive in November.

Changes to Earth & Altitude Platinum.

Existing Earth accounts.

Qantas Points
Earned per $1 spent on eligible purchases
4 April 2018
Mastercard 0.4 (no change) 0.4 (no change)
American Express Card 0.8
Points cap (per statement cycle) 2,500 2,500


New Altitude Platinum accounts.

Qantas Points
Earned per $1 spent on eligible purchases
4 April 2018
Visa Card 0.5 (no change) 0.5 (no change)
American Express Card 1
Points cap (per statement cycle) 3,750 Uncapped


Enjoy the benefits of Altitude Platinum.

Benefits Altitude
Altitude Platinum
Overseas Travel Insurance for persons up to 80 years of age N/A Up to 3 months cover
(in accordance with the policy.)
Purchase Security Insurance N/A Up to 3 months cover
(in accordance with the policy.)
Extended Warranty Insurance N/A Up to 12 months cover
(in accordance with the policy.)


24/7 Platinum Concierge N/A Yes
24/7 Priority Service Line N/A Yes


Frequently asked questions.


Here are some FAQs to help you:

Why am I being upgraded?
Will there be any additional fees as a result of the upgrade?
Will my card numbers and expiry dates change?
How do I activate my replacement card?
When I activate my replacement card, what happens to my existing credit card account balance and any balance transfer amounts?
Will I still have access to my past statements through Westpac Live Online Banking?
Will I need to change my existing automatic payments to merchants or BPAY®?
What about my Card Autopay arrangement to pay down my credit card balance?
Will my statements change?
Will the monthly repayment date on my statement remain the same?
What should I do with my current cards?
What happens if I don’t want the replacement cards?
Why will my existing Westpac-issued American Express card no longer be available?
If I don’t currently have a Westpac-issued American Express Card linked to my card account, can I still request one?
What happens if I have switched rewards program or changed credit cards recently?
Things you should know

Consumer Credit Cards - Conditions of Use (PDF 280KB)

Terms and conditions, fees and charges apply. These may change or we may introduce new ones in the future.

Qantas Points: The earning and redemption of Qantas Points on Earth cards is subject to the Earth Conditions of Use and the earning and redemption of Qantas Points on Altitude cards is subject to the Altitude Terms and Conditions. You must be a member of the Qantas Frequent Flyer program to earn and redeem points in accordance with the terms and conditions of the Qantas Frequent Flyer program. You do not receive points if your card account is in arrears and in other circumstances. Bonus points do not count towards the points cap.

Complimentary insurance covers: AWP Australia Pty Ltd, ABN 52 097 227 177, AFSL 245631, of 74 High Street, Toowong, QLD 4066 (trading as Allianz Global Assistance) under a binder from the underwriter, 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), of 275 Kent Street, Sydney, NSW 2000 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 or download it from

 Additional cardholder: An additional credit card can be issued on the primary cardholder’s account to any nominated person 16 years or over. All transactions using the additional credit card will be the responsibility of the primary card holder. All Altitude or Qantas points remain the benefit of the primary cardholder.

Concierge Services are subject to the terms and conditions available here.

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