All the benefits of the Altitude card, plus Platinum concierge and complimentary insurance covers.
Two cards linked to one account
Platinum extras and your choice of two great rewards programs.
- 50,000 bonus rewards points when you spend $2500 within 90 days from card approval. New cards only. Exclusions apply
- 0% p.a. on purchases for up to 6 months from card approval
- Plus, 0% p.a. for 12 months on balance transfers requested at card application. Calculate how much you could save
After the promotional period, the balance transfer and purchase rate switch to the applicable standard variable purchase rate. See ‘Rates’.
Special Offer for Existing Westpac Customers
- $0 annual fee in the first year when you apply via the Westpac customers 'Apply now’ button.
All special offers are for new cards only and are valid until 20th April 2017. See ‘Things you should know’ below.
Choose between two great rewards programs:
- Altitude Rewards - Earn Altitude Points on eligible purchases you can redeem for a wide range of merchandise and frequent flyer points with a range of airlines
- Altitude Qantas - Earn Qantas Points on eligible purchases you can redeem for Reward Flights with Qantas, as well as merchandise and gift cards from the online Qantas Store
|Rewards||If you choose Altitude Rewards||If you choose Altitude Qantas|
|Points earned on eligible purchases - American Express Card||$1 = 2 Altitude Points||$1 = 1 Qantas Point|
|Points earned on eligible purchases - Visa Card||$1 = 1 Altitude Point||$1 = 0.5 Qantas Points|
|Points cap - for each statement cycle using your cards||7,500 (bonus points don't count towards the cap)||3,750 (bonus points don't count towards the cap)|
|Earning Bonus points||
|Redeeming your points||
Redeem your Altitude Points for:
Redeem your Qantas Points for:
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.
Extended complimentary insurances
Your Altitude Platinum rewards credit card features a range of complimentary insurance covers as set out in the Westpac Credit Cards Complimentary Insurance Policy.
Overseas travel insurance
For overseas trips up to 3 months, overseas travel insurance includes cover for:
- Specified medical expenses incurred overseas
- Up to $15,000 per person cover for loss or damage to personal property
- Up to $550 per person for loss or damage to travel documents
- Limit of $2.5 million of personal liability cover
- Up to $5,000 rental vehicle excess cover as specified in the policy for loss or damage to rental vehicle.
You, your spouse and your dependent children could be automatically covered for Complimentary Overseas Travel Insurance on your journey, if each of you meets the eligibility criteria, including pre-paid travel costs using your credit card. See Details for eligibility criteria and full terms and conditions.
Transit accident insurance
Up to $250,000 transit accident insurance cover against specified accidental death or injury when sustained while riding as a passenger in a plane, bus, train or ferry when you have purchased the tickets for the journey using either one of your Altitude Platinum cards before you leave.
Purchase security insurance
3 months cover against loss, theft or accidental damage for a range of personal items purchased in Australia and overseas provided the item is purchased using either one of your Altitude Platinum cards.
Extended warranty insurance
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 your either one of your Altitude Platinum cards.
Access to American Express Connect
American Express Connect opens the door to unforgettable experiences and exclusive offers for American Express Card Members.
- Access pre-sale tickets and reserved seating offers for a variety of events
- Relax before the show in exclusive card member lounges
- Receive special offers for dining experiences worldwide
- Enjoy special offers for a wide range of retailers
More reasons to choose a Westpac credit card
When you combine your Westpac rewards credit card with our online banking experience you can:
- See your rewards points and card balance at a glance with Quick Balance
- Login quickly and securely using fingerprint login
- Leave your card at home and tap and pay using an eligible Samsung device
- Make automatic credit card repayments easy, with Card Autopay
- Take the hassle out of cancelling a card you later find, by placing a temporary lock on it in seconds
|Fees (these may change)||Amount|
|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:
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 advances/withdrawal fee||An administrative charge of 2% of the value of the transaction will apply to each cash advance made on your card account, where your account has a negative (debit) balance after the transaction has been posted to it. A minimum charge of $2.50 and a maximum charge of $150 will apply. Where your account has a positive (credit) balance after the transaction has been posted to it, only a charge of $2.50 will apply. These charges will appear on your credit card statement directly below the relevant cash advance.|
|Missed payment charge||$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 Charge will be debited to your account.|
|Over-limit 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.|
|Duplicate statement fee||$7.50 may be debited from your credit card account if you, or an additional cardholder, order a copy of a statement that has already been issued for your account. This fee is debited from your account on or after the day you order the duplicate statement.|
|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 2,900 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.|
Follow these tips to minimise credit card fees and charges.
|Purchases||20.24% p.a. (variable)|
|Cash advances||20.74% p.a. (variable)
Special purchase rate promotion:
See 'Things you should know' below for terms and conditions.
|0% p.a. on purchases for up to 6 months from card approval.
Rate then switches to standard variable purchase rate.
Special balance transfer promotion:
See 'Things you should know' below for terms and conditions.
|0% p.a. for 12 months on balance transfers requested at card application.|
- 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 rewards points for the account holder only.
Minimum card limit: $6,000
Recommended income to apply: $30,000
Overseas travel insurance eligibility criteria
To be eligible for this complimentary overseas travel insurance, before leaving Australia on an overseas journey, you must have a return overseas travel ticket, and need to have prepaid at least AUD$500 of your travel costs using your eligible card.
If you are eligible for overseas travel insurance, your spouse and/or dependent children also become eligible provided:
- They are travelling with you for the entire journey
- They each have a return overseas travel ticket
- AUD$500 of each of their prepaid travel costs has been charged to your Altitude Black credit card.
Please note for overseas travel insurance, the cover is only available to persons up to and including 80 years of age.
Things you should know
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, customers accessing employee benefits or packaged cards are ineligible.
Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.
Bonus points promotion: The bonus points promotion is available when you apply for a new Altitude Platinum, or Altitude Black card between 31st January 2017 and 20th April 2017 and spend the minimum amount of $2500 on eligible purchases within 90 days from card approval on one or more transactions. Eligible purchases do not include BPAY transaction, fees, cash, cash equivalent transactions, refunds and balance transfers debited from the card account.
Existing Westpac customers who currently hold an Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months, are not eligible for this offer. The bonus Altitude Points or Qantas Points will be credited to your points balance within 12 weeks after the eligible spend criteria being met.
Rewards Points: The earning and redemption of Altitude Points and Qantas Points is subject to the Altitude Rewards and Altitude Qantas Terms and Conditions. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances. For each statement cycle a points cap of 7,500 Altitude Points or 3,750 Qantas Points applies when using either or both cards. Bonus points do not count towards the points cap.
Effective from 9 November 2014 we will be introducing some changes to the way you earn Altitude Points and Qantas Points on ATO payments. Please see the Terms and Conditions for full details.
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.
Qantas & Partner Classic Reward Seats are subject to capacity controls and availability is limited. The number of seats available depends on the flight, date, season and destination. Some flights may not have any Classic Reward seats available. For Classic Reward flights, taxes, fees and carrier charges are payable in addition to the points required, are subject to change and are quoted at the time of booking. Reward flights must be booked at least 24 hours before scheduled departure (and other advance booking requirements may apply).
Flight Upgrades are subject to capacity controls and availability is limited. Flight upgrades are not available on Classic Rewards or on international airfares booked in E, N, O, P, Q, and X class (which includes some Any Seat Rewards and some Red e-Deals). You must have an eligible paid and confirmed ticket on a Qantas operated service (with a QF flight number on your ticket).
Qantas & Jetstar Any Seat Rewards are available on any flight with a QF or JQ flight number. The points required will be quoted when booked. There is no fixed relationship between the cash price charges by the applicable airline for a seat and the points required to redeem an Any Seat Reward through Qantas Frequent Flyer. Special promotional fares may not apply. Reward flights must be booked at least 24 hours before scheduled departure (and other advanced booking requirements may apply). For more information see qantas.com/frequentflyer. The Jetstar Any Seat Rewards booking service is operated by Carlson Marketing Group (Aust) Pty Ltd trading as Carlson Leisure Travel Service Licence No. 2TA 5778, IATA 02-3-59523.
For more information on the Qantas Frequent Flyer program, visit qantas.com/frequentflyer.
Complimentary insurance covers: QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 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 130 961.
^$0 annual fee in first year for existing Westpac customers promotion: To be eligible for this promotion you must be an existing Westpac customer that applies for a new Low Rate, Altitude, Altitude Platinum or Altitude Black card by clicking on the Westpac customers 'Apply now’ button via westpac.com.au between 31st January 2017 and 20th April 2017. The first annual fee will be debited on the 12 month anniversary of the first transaction on your account and annually thereafter on the anniversary of the first annual fee.
Balance transfer promotion: The promotional balance transfer rate is available when you apply for a new Westpac credit card between 31st January 2017 and 20th April 2017 and request at application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. The rates will apply to balance(s) transferred (min $200 up to 95% of your approved available credit limit) for the promotional period, unless the amount is paid off earlier. Card activation will trigger the processing of the balance transfer. The variable purchase rate will apply to balance(s) transferred but left unpaid 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). The variable purchase interest rate applies to balance transfers requested at any other time. Interest free days don’t apply to balance transfers.
Purchase rate promotion: The introductory rate of 0% p.a. on purchases is available when you apply for a new Westpac credit card between 31st January 2017 and 20th April 2017. The introductory rate will be applied from the date of the first purchase on your account and expires 6 months after the date of card approval. At the end of this period the introductory purchase rate will switch to the variable purchase rate then applicable to your card account and any purchases that remain unpaid at that time will revert to the standard variable purchase rate then applicable to your card account.
Westpac is the credit provider and credit licensee under National Consumer Credit Laws.
Samsung is a trademark of Samsung Electronics Co. Ltd.
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.