0% p.a. balance transfer for 20 months
Balance transfer and rewards points - all in one card
Add in Altitude Platinum benefits and you’ll only need a single credit card.
Altitude Platinum benefits
Complimentary insurance covers4
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 show or game.
Westpac's rewards program lets you earn more points on some of your favourite everyday and travel brands, with a wealth of ways to use those points.
Hundreds of options at your fingertips, including:
Redeem for gift cards
Mastercard, Bunnings, JB Hi-Fi or any other of our 24 partner retailers.
Redeem for cashback
Help repay your card balance by turning points into credit on your card.
Redeem at the Altitude store
From cinema tickets to spa treatments, and everything in-between.
Redeem for frequent flyer program points
Including oneworld, KrisFlyer, Velocity, Malaysia and Asia Miles.
The important numbers
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 days interest free on purchases when you pay the Closing Balance (or Monthly Payment Balance with a balance transfer) on time.
Minimum credit limit: $6,000
Minimum income required: $30,000 p.a.
Balance transfers: 0% p.a. for 20 months requested at application. No balance transfer fee.#
Taking full advantage of this card
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).
The points earn rates shown here apply to the Altitude Mastercard® Rewards program earning Altitude Rewards. Other programs have their own points earn rates.
A full rundown of partners that you can earn points with as well as use them is available at altituderewards.com.au
Our aim is to offer more points from merchants that are most relevant to our cardholders – including you. With that in mind, it is possible we’ll update them from time-to-time.
There are no limits or caps on the total number of points you can earn each month.
Having said that, there is a limit of $10,000 that you can spend each calendar month to get more points with our airline partners.
Platinum airline partners include Qantas, Jetstar and Virgin Australia. If you do go past the $10,000 monthly limit for more points, you’ll still earn 1 point for each additional $1 spent on flights till the end of that month.
Black airline partners include Qantas, Jetstar, Virgin Australia, Singapore Airlines and Emirates. If you do go past the $10,000 monthly limit for more points, you’ll still earn 1.25 points for each additional $1 spent on flights till the end of that month.
Spotify Premium (monthly Spotify subscriptions) purchases made at Spotify’s Australian website, are eligible for more points. Ticket purchases or merchandise purchased through Spotify are not eligible for more points.
As a current Westpac Altitude Platinum cardholder, you are eligible for complimentary Overseas Travel Insurance cover, provided:
- You either permanently reside in Australia or hold a current and valid residency Visa and reside in Australia; and
- 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
- You have a return overseas travel ticket before departing Australia; and
- You are not over 80 years of age when you first become eligible for this cover by meeting the above conditions.
Overseas travel insurance 4 (see policy for details)
- 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 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
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
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||
Annual rewards program
Altitude Rewards: $0
Foreign transaction fee
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.|
Things you should know
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.
This offer is only available to customers who apply via this website (not available in branch, call centres or other websites) and are approved for a new Altitude Platinum credit card between 15th January 2020 and 31st March 2020.
#Balance transfer promotion: This offer is available when you apply for a new Altitude Platinum credit card between 15th January 2020 and 31st March 2020, and request at card application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. 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.
^Bonus Rewards Points Promotion: The respective bonus points promotion is available when you apply and are approved for a new Altitude Platinum card between 15th January 2020 and 31st March 2020 and spend the minimum amount of $2,000 on eligible purchases on the new 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 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.
< Rewards points & eligible purchases: How you earn and redeem Altitude Points is subject to the Altitude Terms and Conditions. Eligible Purchases include purchases made on your card account, but exclude payments to the Australian Taxation Office, fees, cash, cash equivalent transactions, BPAY and BPAY equivalent transactions, refunds and balance transfers. Excludes Altitude Qantas, Altitude Velocity and Visa Altitude cards. Participating merchants are subject to change.
<< 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 Altitude Qantas, Altitude Velocity and Visa Altitude cards. Participating airlines are subject to change.
Rewards Points: The earning and redemption of Altitude Points is 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. 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.
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 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.
Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.
Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
Registered to BPAY Pty Ltd ABN 69 079 137 518