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Our Altitude Platinum credit card brings you uncapped points as well as platinum benefits including complimentary insurances4.

Choose your rewards program:

Special Offer: Balance Transfer and rewards points - all in one card

Add in Altitude Platinum benefits and you'll only need a single credit card.

Earn 80,000 bonus Altitude Points

When you spend $3,000 on eligible purchases in the first 90 days. Eligibility criteria applies>.

0% p.a. for 18 months

On balance transfers requested at card application. 1% balance transfer fee applies. After 18 months the rate reverts to the variable cash advance rate.>>

Plus, discounted annual card fee

of $99 for the first year ($150 thereafter)++.


The important numbers

 

    

Ongoing annual card fee: $150

Variable purchase rate: 20.49% p.a.

Variable cash advance rate: 21.49% p.a.

Interest free days on purchases: Up to 45 days2

Minimum credit limit: $6,000

Minimum income required: $30,000


Altitude Points earn rate on eligible purchases, uncapped:<

  • Earn 2 points per dollar spent< overseas and with Spotify Premium, Airbnb, Uber and Uber Eats plus overseas transactions.
  • Earn 1 point per dollar< on all other everyday eligible purchases.
  • You can also earn additional Altitude Points with selected airlines.<<

 

Find out more


Why choose the Altitude Platinum credit card?

Complimentary insurance covers 4

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.

Get rewarded sooner

Earn points faster by adding one additional cardholder (16 years or older) at no extra cost.1

Apple Pay is here

Apple Pay offers a fast and secure way to pay in-store and online, using your favourite Apple device.


    

Frequently asked questions
 

Westpac will not cancel your other Card Account(s). If your aim is to pay down your balances and reduce the number of credit cards you hold, it may be helpful to cancel your old card account(s) once the balance transfer is complete so you don’t use them and accrue more debt. You can cancel a credit card online or over the phone (although you are still liable to pay off any balance).

As a current Westpac Altitude Platinum cardholder, you are eligible for complimentary Overseas Travel Insurance cover, provided:

  1. You either permanently reside in Australia or hold a current and valid residency Visa and reside in Australia; and

  2. You spend at least $A500 on your prepaid travel costs (i.e. your travel costs that you pay for before leaving Australia) and you charge these costs to your Altitude Platinum card.  This could include return travel tickets, airport or departure taxes, overseas accommodation etc.; and

  3. You have a return overseas travel ticket before departing Australia; and

  4. You are not over 80 years of age when you first become eligible for this cover by meeting the above conditions.  

For full details on complimentary insurance, please read the Westpac Credit Cards Complimentary Insurance Policy (PDF 297KB).

Spotify Premium (monthly Spotify subscriptions) purchases made at Spotify’s Australian website, are eligible for Accelerated Earn. Ticket purchases or merchandise purchased through Spotify are not eligible for Accelerated Earn Bonus Points.

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 297KB) 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.
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 297KB) 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 insurance 4 

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 297KB) 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 297KB) 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.

Ongoing annual card fee

$150

Ongoing annual rewards program

fee

Altitude Rewards: $0

Altitude Qantas: $50

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).  If account has a positive balance after the transaction: $2.50 (regardless of transaction value). 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.

Follow these tips to minimise credit card fees and charges.

   

Earn 60,000 bonus Velocity Points>

Earn 60,000 bonus Velocity points when you spend $3,000 or more on eligible purchases on a new Altitude Platinum credit card within 90 days of new card approval.>

Offer excludes customers who hold/held any Westpac Rewards credit card in the last 12 months. New cards only. Offer ends 11th November 2020. T&Cs apply.

 

 


The important numbers

 

    

Uncapped points earn rate: 0.5 Velocity Points per dollar spent on eligible purchases6

Annual card fee: $150

Annual Altitude Velocity fee: $50

Variable purchase rate: 20.49% p.a.

Variable cash advance rate: 21.49% p.a.

Interest free days on purchases: Up to 45

Minimum credit limit: $6,000

Minimum income required: $30,000


Why choose the Altitude Platinum credit card?

Economy X Seat Upgrade Vouchers

If you choose Altitude Velocity you'll also get 2 complimentary Economy X Seat Upgrade Vouchers each year to use on selected domestic Virgin Australia flights.*

Available when you spend with Virgin Australia on your Mastercard. See FAQs for details.

Complimentary insurance covers 4

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


    

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 297KB) 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.
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 297KB) 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 insurance 4 

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 297KB) 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 297KB) 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.

When you choose Altitude Velocity rewards you can also enjoy 2 Economy X seat upgrades a year, on selected domestic Virgin Australia flights.* To receive the upgrades, simply provide us with your Velocity Frequent Flyer number and make a direct spend at Virgin Australia on your Altitude Platinum Mastercard. Vouchers will then be available in your Velocity Frequent Flyer account within 10 business days.*

To redeem your Economy X Seat Upgrade vouchers you must first book an eligible domestic flight directly with Virgin Australia. Once you have booked an eligible domestic flight with Virgin Australia, you will need to call the Virgin Australia Guest Contact Centre on 1300 038 373 to redeem your Economy X Seat Upgrade vouchers.*

Annual card fee

$150

Annual rewards program

fee

Altitude Rewards: $0

Altitude Velocity: $50

Altitude Qantas: $50

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).  If account has a positive balance after the transaction: $2.50 (regardless of transaction value). 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.

Follow these tips to minimise credit card fees and charges.

   

Looking for the American Express® Westpac Altitude Platinum Card bundle?

Find out more

Special Offer: Balance Transfer and rewards points - all in one card

Add in Altitude Platinum benefits and you'll only need a single credit card.

Earn 60,000 bonus Qantas Points

When you spend $3,000 on eligible purchases in the first 90 days. Eligibility criteria applies>.

0% p.a. for 18 months

On balance transfers requested at card application. 1% balance transfer fee applies. After 18 months the rate reverts to the variable cash advance rate>>.

Plus, discounted annual card fee

of $99 for the first year ($150 thereafter)++ and $0 Qantas Rewards Fee for the first year ($50 p.a. thereafter)>>>.


The important numbers

 

    

Uncapped points earn rate: 0.5 Qantas Points per dollar spent on eligible purchases6

Ongoing annual card fee: $150

Ongoing annual Altitude Qantas fee: $50

Variable purchase rate: 20.49% p.a.

Variable cash advance rate: 21.49% p.a.

Interest free days on purchases: Up to 45 days2

Minimum credit limit: $6,000

Minimum income required: $30,000


Why choose the Altitude Platinum credit card?

Complimentary insurance covers 4

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.

Get rewarded sooner

Earn points faster by adding one additional cardholder (16 years or older) at no extra cost.1

Apple Pay is here

Apple Pay offers a fast and secure way to pay in-store and online, using your favourite Apple device.


    

Frequently asked questions
 

Westpac will not cancel your other Card Account(s). If your aim is to pay down your balances and reduce the number of credit cards you hold, it may be helpful to cancel your old card account(s) once the balance transfer is complete so you don’t use them and accrue more debt. You can cancel a credit card online or over the phone (although you are still liable to pay off any balance).

As a current Westpac Altitude Platinum cardholder, you are eligible for complimentary Overseas Travel Insurance cover, provided:

  1. You either permanently reside in Australia or hold a current and valid residency Visa and reside in Australia; and

  2. You spend at least $A500 on your prepaid travel costs (i.e. your travel costs that you pay for before leaving Australia) and you charge these costs to your Altitude Platinum card.  This could include return travel tickets, airport or departure taxes, overseas accommodation etc.; and

  3. You have a return overseas travel ticket before departing Australia; and

  4. You are not over 80 years of age when you first become eligible for this cover by meeting the above conditions.  

For full details on complimentary insurance, please read the Westpac Credit Cards Complimentary Insurance Policy (PDF 297KB).

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 297KB) 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.
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 297KB) 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 insurance 4 

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 297KB) 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 297KB) 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.

Ongoing annual card fee

$150

Ongoing annual rewards program

fee

Altitude Rewards: $0

Altitude Qantas: $50

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).  If account has a positive balance after the transaction: $2.50 (regardless of transaction value). 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.

Follow these tips to minimise credit card fees and charges.

   


Before you apply

To improve the likelihood your application is approved and in a timely manner, please read this section carefully before applying.

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:


If you’re an existing Westpac customer, you’ll also need to:

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

Read the Apple Pay Terms and Conditions (PDF 1MB) before making a decision and consider if it is right for you. To use Apple Pay you will need an eligible card and a compatible device with a supported operating system. See our Apple Pay FAQs for more information. Apple, the Apple logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.