Altitude Platinum
Our Altitude Platinum credit card brings you uncapped points as well as platinum benefits including complimentary insurances4.
Choose your rewards program:
Before you apply
To improve the likelihood your application is approved and in a timely manner, please read this section carefully before applying.
- You’re regularly meeting your repayment obligations for other credit card or loan accounts
- You’ve considered whether you need to keep any credit accounts you no longer use – e.g.: store cards.
As part of reviewing your application we look at the information on your credit report, which is produced by an independent credit bureau. This report shows a snapshot of your liabilities, available credit, and your repayment behaviour for these accounts. To learn more about credit reporting in Australia visit www.westpac.com.au/ccr.
It’s a good idea to view your own credit report and check your details are correct before starting your application. You can do this for free by visiting the credit bureau website directly, or via CreditSmart.org.au. We work with three bureaus: Equifax, illion and Experian, so you might like to check the report produced by each of them.
Before starting your application, make sure you have everything in the list below:
- All existing liabilities that are in your name (e.g. personal loans, other credit or store cards, ‘interest-free’ instalment purchases, home loan)
- Your income information from the last 3 months, such as payslips, bank statements and rental income (you won’t need this if your pay already goes into a Westpac bank account)
- All your regular monthly expenses (including school fees, insurance, bills etc.)
- Your frequent flyer number (if applying for a Rewards card)
- Your balance transfer credit card details (if applying for a Balance Transfer).
If you’re an existing Westpac customer, you’ll also need to:
- Apply as an existing customer in the application form, which includes logging in to your account
- Once logged in, double-check that your personal details (name, address etc) are up-to-date. If not, log in to internet banking to update them.
Any errors in the details you provide could delay your process, or even mean you are declined. Again, checking against your credit report can help here.
Every time you apply for any form of credit, your credit history is checked by the credit provider. This is listed as an enquiry on your report. Multiple applications can be seen as a red flag and reduce your chances of approval.
Response to Virgin Australia's Voluntary Administration Announcement
If you currently use one of our credit cards to earn Velocity Points, either directly or by converting your Altitude Points, rest assured we’re working closely with Velocity Frequent Flyer to minimise any disruption. The Altitude Velocity rewards program is currently not available when applying for a new Altitude credit card. You can find our more at our FAQ page.
Things you should know
Altitude Terms and Conditions (PDF 2MB)
Credit criteria, fees and charges apply. Switches, upgrades or Westpac group staff are ineligible.
This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.
Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.
>>Altitude Platinum Balance Transfer Promotion: This offer is available when you apply and are approved for a new Altitude Platinum credit card between 6th August 2020 and 11th November 2020, and request at card application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. A balance transfer fee of 1% will apply to balance(s) transferred to a new Altitude Platinum credit card. The balance transfer fee will be charged to the card account on the same day the balance(s) are debited to the account. The promotional rate will apply to balance(s) transferred (min $200 up to 80% of your approved available credit limit) for the promotional period. Activating your card triggers the processing of the balance transfer. The applicable variable cash advance rate will apply to any unpaid balance transfer amount remaining at the end of the promotional period. Westpac will not be responsible for any delays that may occur in processing payment to your other card account(s) and will not close the account(s). If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the 'Monthly Payment Balance' listed on your statement of account (not the full closing balance) by the relevant payment due date.
++Reduced First year Annual Card Fee: The discounted first year annual card fee of $99 is available when you apply and are approved for a new Altitude Platinum card between 6th August 2020 and 11th November 2020. After the first year, the $150 annual card fee applies and will be debited to your card account on the 12-month anniversary of the first transaction on your account and annually thereafter.
>>>First year Qantas Reward Fee waiver: A first year Annual $50 Qantas Rewards fee waiver is available when you apply and are approved for a new Altitude Platinum card between 6th August 2020 and 11th November 2020. After the first year, the Annual $50 Qantas Rewards fee applies and will be debited to your card account annually on the 12-month anniversary of the first transaction on your account and annually thereafter.
>Bonus Altitude or Qantas Points Promotion Altitude Platinum: To qualify for this promotion you must apply and be approved for a new Altitude Platinum card between 6th August 2020 and 11th November 2020 and spend the minimum amount of $3,000 on eligible purchases on an Altitude Platinum card within 90 days from card approval in one or more transactions. 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 Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, 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.
†Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, payments to the Australian Tax Office, government charges, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account.
< Rewards points: How you earn and redeem Altitude Points is subject to the Altitude Terms and Conditions. Excludes Westpac Altitude Qantas.
<< Accelerated Earn - Flights: Earn 6 points per dollar on the first $10,000 spent on flights per calendar month, then 1.25 points per $1 spent thereafter on the Altitude Black Mastercard. Or earn 3 points per dollar on the first $10,000 on flights per calendar month, then 1 point per $1 spent thereafter on the Altitude Platinum Mastercard. Points earn applies to flights purchased in Australia directly with the above listed participating airlines using your Altitude Black Mastercard or Altitude Platinum Mastercard. Excludes flights not purchased directly with the participating airlines for example flights purchased through a travel agent, online aggregators or other airlines such as a code-share etc. Excludes Westpac Altitude Qantas. Participating airlines are subject to change.
1. 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 cardholder. All Altitude or Qantas Points remain the benefit of the primary cardholder.
2. Interest free period is available on purchases when you pay the Closing Balance (or the Monthly Payment Balance with a balance transfer) in full by the payment due date.
6. Rewards Points: The earning and redemption of Altitude 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 your card account is in arrears for 2 consecutive statement cycles and in other circumstances. Refer to the Altitude Terms and Conditions for information on how you earn points on transactions. Qantas Points earned during a statement cycle are added to your respective Points balance on a monthly basis.
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 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 directly from Qantas.com; Qantas Frequent Flyer and Qantas Club membership joining and/ or annual fees. 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 297KB) which may be amended from time to time. Westpac does not guarantee this insurance.
Registered to BPAY Pty Ltd ABN 69 079 137 518
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