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Platinum features at no extra charge.

You can accept your complimentary upgrade by activating the card(s) you’ll receive in the mail in November.

Westpac Altitude Platinum Visa rewards card

What does this mean for you and your account?

Our rewards credit cards are changing.

On 1 July 2017, the Reserve Bank of Australia introduced new regulations which affect all credit cards issued by Australian banks, particularly American Express cards. As a result, Westpac has reviewed its rewards cards and will close all Westpac-issued American Express cards from 4 April 2018.  

If you have an Altitude American Express® Card linked to your card account, you can continue to use it as usual, until 4 April 2018, with no change to the number of points you earn on eligible purchases. However, if your card is due to expire in March 2018, your Altitude American Express card will not be renewed, and will close slightly earlier.

A new Qantas Rewards fee will also apply if you have selected the Altitude Qantas rewards program on your card.

As a valued customer, you deserve Platinum benefits.

We understand the effect these changes may have and value you as a customer, so would like to offer you a complimentary upgrade from Altitude to Altitude Platinum. This brings you access to great new benefits, including:

  • travel insurance for overseas trips up to 3 months
  • purchase insurance including 3 months cover against loss, theft or accidental damage
  • personal concierge services on call 24/7 to help you book restaurants and events
  • unlimited points earn on eligible purchases after 4 April 2018.


There will be no change to your Annual Card Fee, interest rate, PIN and credit limit as a result of this upgrade.
If you choose not to activate your new Altitude Platinum cards, you can continue to use your Altitude cards as usual.
Below, we’ve outlined what will change for both your current and new cards, should you choose to activate them when they arrive in November.

Changes to Altitude Rewards

Existing Altitude account.

Altitude Points
Earned per $1 spent on eligible purchases
Current
4 April 2018
Mastercard/Visa Card 1 (no change)
1 (no change)
American Express Card 2
Closed
Points cap (per statement cycle) 5,000 5,000

 

New Altitude Platinum account.

Altitude points
Earned per $1 spent on eligible purchases
Current
4 April 2018
Visa Card 1 (no change)
American Express Card 2 Closed
Points cap (per statement cycle) 7,500 Uncapped

 

Changes to Altitude Qantas

Existing Altitude account.

Qantas points
Earned per $1 spent on eligible purchases
Current
4 April 2018
Mastercard/Visa 0.5 (no change)
American Express Card 1
Closed
Points cap (per statement cycle) 2,500 (no change)
Qantas Rewards Fee^ $0 $50

 

New Altitude Platinum account.

Qantas points
Earned per $1 spent on eligible purchases
Current
4 April 2018
Visa card 0.5 (no change)
American Express Card 1
Closed
Points cap (per statement cycle) 3,750   Uncapped
Qantas Rewards Fee^ $0 $50

 

Enjoy the benefits of Altitude Platinum

Benefits Altitude
Altitude Platinum
Overseas Travel Insurance for persons up to 80 years of age N/A Up to 3 months cover
(in accordance with the policy.)
Purchase Security Insurance N/A 3 months
(in accordance with the policy.)
Extended Warranty Insurance N/A Up to 12 months cover
(in accordance with the policy.)

 

24/7 Platinum Concierge N/A Yes
24/7 Priority Service Line N/A Yes

 

Frequently asked questions

 

Here are some FAQs to help you:

Your Annual Card Fee will remain the same and will not change as a result of this upgrade.

If applicable, a Qantas Rewards Fee will be charged if your card is linked to the Altitude Qantas rewards program, on either your existing or replacement card account. This fee is not a result of the upgrade. For more information on the Qantas Rewards Fee refer to question “What is the Qantas Rewards Fee?”

Yes. Your replacement Altitude Platinum cards will have different card numbers and expiry date.

To activate your new Altitude Platinum cards visit westpac.com.au/activate or call 1300 308 930.

Your credit card account balances and any balance transfers on your current card account will be transferred to the replacement Altitude Platinum account. The same variable interest rates and promotional period will apply to the balances transferred across.

Yes. You’ll still be able to view your past statements on your current Altitude card account, under Statements > Closed Accounts. Any statements from the past 7 years can also be ordered by calling the Platinum Priority Service line on 1300 859 100 (charges may apply). Remember to download and save your statements for your records.

Yes. If you have recurring automatic payments set up on your current cards to pay off merchant bills, you’ll need to contact the merchant directly and provide them with your new card details.

If you have set up Card Autopay on your current account, the Card Autopay details will be automatically transferred across to your Altitude Platinum card account.

Yes. Your statements will be issued as Altitude Platinum when you activate your replacement cards. Your new statements will be issued with a new account number and your BPAY payment details will change.

Yes. Your statement cycle won’t change, and you’ll continue to receive statements as normal each month. You’ll also continue to receive up to 45 days interest free on purchases when you pay the full closing balance, including any balance transfer amount by the statement due date.

Once you activate your replacements cards, securely destroy your old Altitude cards.

If you choose not to upgrade to Altitude Platinum, you can continue to use your Altitude cards as usual.

Bank-issued American Express cards fall under the new Reserve Bank of Australia regulations. In response, we have reviewed our reward cards and will no longer offer American Express cards issued by Westpac.

Yes. You can request a Westpac-issued American Express card until 1 February 2018. However, that card will close on 4 April 2018.

No. These changes will not impact your points balance.

Altitude offers a choice of rewards programs – Altitude Rewards (earning Altitude Points) and Altitude Qantas (earning Qantas Points). A Qantas Rewards Fee applies, from 4 April 2018, if you have selected Altitude Qantas on your card. If applicable, this fee is charged every year on or after the anniversary of your first purchase or cash advance transaction made on your card account, for as long as you remain in the Altitude Qantas program. This fee will form part of your outstanding balance and if applicable, interest will apply per the Combined Conditions of Use and Credit Guide. (PDF 258KB)

The information set out in the letter may not reflect recent changes you have made. If you’ve switched rewards program or changed credit cards recently please visit westpac.com.au/card-changes to see the changes relevant to your new card.

The changes will be reflected in your Combined Conditions of Use and Credit Guide available at westpac.com.au/cards-conditions-of-use.

Things you should know

Consumer Credit Cards - Conditions of Use (PDF 258KB)

Terms and conditions, fees and charges apply. These may change or we may introduce new ones in the future.

^Altitude offers a choice of rewards programs (Altitude Rewards and Altitude Qantas) and a Qantas Rewards Fee applies if you have selected Altitude Qantas on your card. The Qantas Rewards Fee of $50 including GST, if GST applies, is payable each year at the same time as your annual card fee for as long as you remain in the Altitude Qantas program.

Altitude Rewards: The earning and redemption of Altitude Points is subject to 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. Bonus points do not count towards the points cap.

Altitude Qantas: The earning and redemption of Qantas Points is subject to the Altitude Terms and Conditions. You must be a member of the Qantas Frequent Flyer program to earn and redeem points in accordance with the terms and conditions of the Qantas Frequent Flyer program. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances. Bonus points do not count towards the points cap.

Complimentary insurance: AWP Australia Pty Ltd (trading as Allianz Global Assistance), ABN 52 097 227 177, AFSL 245631 under a binder from Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708 has issued a group policy to Westpac which provides cover to eligible Westpac account and card holders. The terms, conditions, limits and exclusions of the policy are available at westpac.com.au or by calling 1300 130 961. Westpac does not guarantee the insurance.

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 card holder. All Altitude or Qantas points remain the benefit of the primary cardholder.

Concierge Services are subject to the terms and conditions available here.

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. World Mastercard®, Mastercard® and the Mastercard brand mark are registered trademarks, and PayPass is a trademark of Mastercard International Incorporated.