Altitude Platinum
Special offer for a limited time
Enjoy 60,000 bonus Qantas or Altitude points when you spend $3,000 on eligible purchases on a new Altitude Platinum credit card within 90 days from card approval.^
Plus, pay no annual card fee for the first year, saving $150.+ Offer ends 2nd April 2019. New cards only.
The important numbers
Annual card fee: $0 annual card fee in the first year (saving $150)+
Qantas Rewards fee: A $50 Qantas Rewards fee applies annually for customers who choose to earn Qantas Points through the Altitude Qantas rewards program.
Variable purchase rate: 20.24% p.a.
Variable cash advance rate: 20.74% p.a.
Interest free days on purchases: Up to 45
Minimum credit limit: $6,000
Why choose the Altitude Platinum credit card?
Complimentary insurance covers 4
Shop and travel with confidence with 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.
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.
Get rewarded sooner
Earn points faster by adding one additional cardholder (16 years or older) at no extra cost.1
Your choice of rewards program
Choose the rewards program to suit you.
Opt in for either Altitude Points or Qantas Points and earn points on every eligible purchase, with no monthly cap.
A $50 Qantas Rewards fee applies annually for customers who choose to earn Qantas Points through the Altitude Qantas rewards program.
Altitude Rewards
For those who want lifestyle rewards, and to be able to redeem points across a range of frequent flyer programs.
Earn rate on all eligible purchases:
$1 = 1 Altitude point
Altitude Qantas
For those who want Qantas travel rewards, as well as merchandise from the Qantas store.
Earn rate on all eligible purchases:
$1 = 0.5 Qantas points
Frequently asked questions
Overseas travel insurance 4 (see policy for details)
The following is a summary only of some of the benefits available under the Overseas travel insurance (Terms, conditions and exclusions apply. Refer to the Westpac Credit Cards Complimentary Insurance Policy (PDF 6MB) for further information).
- Medical and hospital expenses incurred overseas;
- Loss or damage to personal property;
- Loss or damage to travel documents;
- Personal liability cover;
- Rental vehicle excess cover for loss or damage to rental vehicle.
Extended warranty insurance 4
The following is a summary only of the benefit available under the Extended warranty insurance (Terms, conditions and exclusions apply. Refer to theWestpac Credit Cards Complimentary Insurance Policy (PDF 6MB) for further information).
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 one of your Altitude Platinum cards.
Transit accident insurance 4
The following is a summary only of the benefit available under the Transit accident insurance policy (Terms, conditions and exclusions apply. Refer to the Westpac Credit Cards Complimentary Insurance Policy (PDF 6MB) for further information).
Transit accident insurance cover against specified accidental death or injury when sustained overseas while riding, boarding or alighting as a passenger in a plane, bus, train or ferry when you have purchased the tickets for the entire trip using either one of your Altitude Platinum cards before you leave.
Purchase security
The following is a summary only of the benefit available under the Purchase security insurance 4 (Terms, conditions and exclusions apply. Refer to the Westpac Credit Cards Complimentary Insurance Policy (PDF 6MB) for further information).
3 months cover against loss, theft or accidental damage for a range of purchases in Australia and overseas provided the item is purchased using either one of your Altitude Platinum cards.
Extended warranty insurance 4
The following is a summary only of the benefit available under the Extended warranty insurance (Terms, conditions and exclusions apply. Refer to the Westpac Credit Cards Complimentary Insurance Policy (PDF 6MB) for further information).
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 one of your Altitude Platinum cards.
| Annual card fee | $0 annual card fee for the first year (saving $150)+ |
| Qantas Rewards fee | $50 Applies annually for customers who choose to earn Qantas Points through the Altitude Qantas rewards program. |
Foreign transaction fee |
3.0% Payable as a percentage of the Australian dollar value of any foreign transaction. Applies for transactions in a foreign currency, or in Australian dollars but processed by an overseas merchant or financial institution. 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 |
2.0% or $2.50, whichever is higher (max. $150; an additional $2.50 charge applies if account has a positive balance after the transaction). These charges will appear on your statement directly below the relevant cash advance. |
| Duplicate statement fee | $2 |
| Missed payment charge | $15 each statement cycle that the minimum monthly payment is not paid by the statement due date. |
Looking for the American Express® Westpac Altitude Platinum Card bundle?
Things you should know
Consumer Credit Cards - Conditions of Use (PDF 304KB)
Westpac Credit Cards Complimentary Insurance Policy (PDF 6MB)
Find out what information you need to provide to become a customer (PDF 768KB)
Westpac Rewards Credit Cards Concierge Service Terms and Conditions (PDF 917KB)
Westpac Rewards Cards Emergency Travel Assistance Terms and Conditions (PDF 116KB)
In respect of Westpac credit card applications started after 1 March 2019:
- All approved credit cards will be Mastercard branded
- The “55 Day Classic” card will be withdrawn from sale and replaced by the “Westpac Low Fee” card, and
- The “55 Day Platinum” card will be withdrawn from sale and replaced by the “Westpac Low Fee Platinum” card
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 or Westpac group staff are ineligible. Offer may be withdrawn or extended at any time. Terms and conditions available on request.
Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.
1. Additional cardholder: The account holder (primary cardholder) is liable for all transactions made on the primary card as well as the transactions made on any additional cards associated with the account.
^Bonus Rewards Points Promotion for Westpac Altitude Cards: The respective bonus points promotion is available when you apply and are approved for a new Altitude Platinum or Altitude Black card between 28th November 2018 and midnight 2nd April 2019 and spend the minimum amount of $3,000 on eligible purchases on an Altitude Black card or $3,000 on eligible purchases on an Altitude Platinum card within 90 days from card approval in one or more transactions.
Eligible purchases do not include fees, cash, cash equivalent transactions, payments to the Australian Tax Office, BPAY, BPAY equivalent transaction, refunds and balance transfers debited from the card account. The bonus Altitude Points or Qantas Points will be added to your points balance within 12 weeks once you meet the eligible spend criteria. Existing Westpac customers who currently hold an Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months, are not eligible for this offer. Qantas Points earned during a statement cycle are added to your Qantas Points balance on a monthly basis.
+No annual card fee in the first year promotion: The first year annual card fee waiver is available when you apply for a new Low Rate or Altitude Platinum card between 28th November 2018 and 2nd April 2019. The first annual card fee will be debited on the 12 month anniversary of the first transaction on your account and annually thereafter.
Rewards Points: The earning and redemption of Altitude Points and Qantas Points is subject to the Altitude Rewards and Altitude Qantas Terms and Conditions. Purchases that are not eligible to earn Rewards Points are set out in the Altitude Rewards Terms and Conditions. For example: payments to the Australian Taxation Office, cash advances, BPAY and BPAY equivalent transactions do not earn Reward Points. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances.
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. An annual $50 Qantas Rewards card fee applies for customers who choose to earn Qantas Points through Altitude Qantas rewards program.
Qantas products and services: Selected Qantas products and services are Qantas passenger flights (with a QF flight number) purchased on the Qantas merchant account, i.e. directly with Qantas or some travel agents, and Qantas Frequent Flyer and Qantas Club membership joining and annual fees apply. Excludes Jetstar, Qantas Holidays, Qantas branded non airfare products, Qantas Freight and Qantas Staff Travel. For full Qantas Frequent Flyer Terms and Conditions, visit qantas.com/terms.
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 6MB) which may be amended from time to time. Westpac does not guarantee this insurance.
Westpac is the credit provider and credit licensee under National Consumer Credit Laws.