Westpac Altitude Platinum Credit Card (Altitude) | Review & Apply

Westpac Altitude Platinum Credit Card (Altitude)

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Westpac Altitude Platinum Credit Card (Altitude)
Apply by 05 aug 20
30 reviews
Westpac Altitude Platinum Credit Card (Altitude)
Receive 80,000 Altitude bonus points when you spend $3,000 on eligible purchases within 90 days of card approval.
Choose to earn into two great rewards programs: Altitude Rewards or Altitude Qantas.
Earn up to 3 Altitude points per $1 spent (terms and conditions apply).
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20.49% p.a.

Pros & cons

What's good?

What's not so good?

Receive 80,000 Altitude bonus points when you spend $3,000 on eligible purchases within 90 days of card approval.
Earn 3 Altitude points per dollar spent up to $10,000 per calendar month on flights purchased in Australia directly with Qantas and Jetstar then 1 point per $1 spent thereafter.
Earn 2 Altitude Points per dollar spent on overseas spend and with Spotify Premium, Uber, Uber Eats and AirBnB.
Earn 1 Altitude Point per dollar spent on all other everyday eligible purchases.
Redeem your Altitude points for popular rewards, including Westfield gift cards and bookings through Altitude Travel.
Convert your Altitude Reward points into five frequent flyer programs including Asia Miles, Air New Zealand Airpoints, Malaysia Airlines and Singapore Airlines Krisflyer.
Complimentary overseas travel insurance cover for trips up to 3 months.
Tap & go™ quickly and easily using your Mastercard® for a faster transaction.
For information about Frequent Flyer points earning rate of this card, please click here: Qantas
The annual fee is quite high at $150 p.a.
Qantas rewards program.
Blackout dates may apply when using points for travel on Altitude Travel.

The interest free period is the maximum number of days during which interest is not charged on new purchases. 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.

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

Disclaimer (2): Reviews rely upon third party information that may not be correct or may be changed without Credit Card Compare’s knowledge. You must carefully consider your own circumstances before making any commitments and confirm all offers and terms with credit card providers before accepting them. Please refer to our T&Cs for more.

Our review

Our review of the Westpac Altitude Platinum Credit Card (Altitude)Reviewed by Yvonne Taylor

When it comes to choosing the ideal credit card, it makes sense to have your own wishlist against which any card’s features can be checked. So if yours reads something like this – Rewards Points, Bonus Points, Flexibility, Complimentary Benefits, Security – you need to seriously consider the Westpac Altitude Platinum Credit Card. Prepare to be surprised at how much you get for a fee that’s probably lower than you expect, and waived altogether in the first year.

So let’s roll out the wishlist.

Rewards points

Tick this one off right away, because this is a rewards card account. You can choose between Westpac’s proprietary Altitude Rewards points or Qantas Frequent Flyer points. Here are the relevant earning rates, not the highest available, but quite reasonable for the price of the card:

  • 1.0 Altitude points per dollar spent
  • 0.5 Qantas points per dollar spent

Altitude points never expire as long as you hold an Altitude card, and Qantas points won’t expire provided you don’t go longer than 18 months without earning or using some points, even if it’s just a few.

There are no points caps, or thresholds beyond which the earning rate declines, in contrast to the restrictive caps or thresholds found on many competing rewards points or Qantas points cards.

Bonus points

When you first start collecting points, accumulating enough of them to redeem your first reward can seem like climbing a mountain. Credit card issuers have recognised this, and many cards now have a sign-up or first purchase bonus designed to give your points account a kickstart and boost your enthusiasm.

So here’s another wish you can fulfil. The bonus with this card is a very generous 80,000 points, earned by spending $3,000 in 90 days of holding it. That’s not such a high target – $1,000 per month – especially when the $30,000 minimum recommended income, as a basis for card application, is taken into account.

Since you have a choice, the bonus is particularly substantial if you start by selecting the more valuable Qantas points rather than Altitude points. You can switch later if you want to.


This card comes with plenty of options.

Firstly, you can choose between Altitude and Qantas points: opt for one program when you first apply for the card and switch to the other at a later stage, if you wish. You can change your mind as often as you like, subject to the time it takes to process your request. Any points already earned will remain in the program where they were earned.

Secondly, both loyalty programs are loaded with redemption possibilities.

Qantas points redemption options

Qantas gives you award flights, not just with Qantas but with more than 50 affiliated airlines, including Jetstar. This is by far the most cost effective way to use points. Those 80,000 points will get you all the way from Australia’s east coast to New York or Europe (80,000 points).

But it doesn’t stop there. You can also use Qantas points for Qantas flight upgrades, and merchandise and retail gift cards from the Qantas store (although these last two options don’t deliver anywhere near as much value per point as air travel does).

Added flexibility is granted by the Points + Pay option, in case you don’t have quite enough points for your chosen redemption and wish to pay the balance in cash. Plus, you can earn one bonus point, on top of the normal points, for every dollar you spend with the card on purchasing Qantas flights.

Altitude points redemption options

Not to be outdone, Altitude also lets you fly with your points, allowing you to convert them into frequent flyer points with four partner airlines: Singapore Airlines, Cathay Pacific, Air New Zealand and Malaysian Airlines. Even more airlines can be accessed through Altitude Travel. The Altitude online store also has a range of merchandise and gift cards similar to those found at Qantas, but generally requiring lower card spending for the equivalent redemption.

Complimentary benefits

Your platinum card wishlist wouldn’t be complete without some platinum lifestyle complimentary benefits. Here’s what you’ll get with this card:

  • Overseas travel insurance for cardholders and their families, covering multiple annual trips of up to three months’ duration, activated by using the card for at least $500 of prepaid trip expenses for each person requiring cover
  • Transit accident insurance, providing up to $250,000 compensation for serious injury sustained while travelling as a passenger in a plane, bus, train or ferry, where the fare was paid with the card
  • Extended warranty insurance, doubling the manufacturer’s Australian warranty for items purchased with the card, to a maximum of 12 extra months
  • Purchase security insurance, covering new items bought with the card against loss, theft or accidental damage for three months


Although security may be last on your list, it should perhaps come first, because you won’t be able to take advantage of any of the benefits if you’re hesitant about using the card because of concerns about fraud. But Westpac gives you a Fraud Money Back Guarantee (provided you follow a few simple precautions).

If you download the Westpac mobile banking app to your Samsung smartphone you will transform your phone into a digital wallet for tap & go™ payments (because using the card itself for Tap & Go is so last century). You can also use a secure fingerprint log-in on your phone for card payments, get a Quick Balance for your card account or points account in seconds, and put your account on hold with a few taps if you temporarily misplace the card (saving you the annoyance of having to cancel a card you later find).

If you truly want to pay on the go, you also have the option of paying with a Westpac PayWear waterproof wristband or your Fitbit.


Here’s a benefit that’s probably not on your list because you didn’t know it existed. If you manage to run up a balance on your card that you are struggling to repay, or if you make a major purchase that you’ll need time to clear from your account, you can choose to commit to a SmartPlan monthly repayment program and take advantage of an interest rate that’s lower than the advertised purchase interest rate – 18.24% p.a instead of the normal 20.49% p.a. You’ll also be able to retain your up to 45
interest-free days on purchases if your unpaid balance is totally covered by one or more SmartPlans.

High foreign transaction fees

Something that certainly won’t be on your 'most wanted’ list is a foreign transaction fee, but it’s an unfortunate reality. The transaction fee for foreign currency payments, and overseas merchant fees even if in Australian dollars, is 3% of the amount spent.

None of this will be a problem if you don’t intend to use the card overseas or online, but it’s something you need to be aware of (and most cards do charge a foreign transaction fee of up to 3%).

Typical interest rates

The 20.49% purchase interest rate and 21.49% cash advance rate are fairly standard for a platinum rewards card. If you think you will need to pay interest on your purchases on a relatively regular basis, don’t choose a rewards credit card. Look for a low interest rate card instead.

How does it compare with similar platinum rewards cards?

'Platinum Rewards’ is one of the most popular varieties of credit cards. You can check out all the competing cards and list them side-by-side on our 'All rewards’ page in our Features Section.

A card that ticks all the boxes

Looking back at that credit card wishlist, with most cards you may find it difficult to tick everything off without paying more than you were prepared for. But this card has the advantages of a satisfactory points earning rate, an upfront points bonanza, significant platinum benefits, security and hi-tech convenience, and an acknowledgment that sometimes you may need to change your mind about which kind of points you want to earn without changing your card.

Disclaimer: Reviews rely upon third party information that may not be correct or may be changed without Credit Card Compare’s knowledge. You must carefully consider your own circumstances before making any commitments and confirm all offers and terms with credit card providers before accepting them. Please refer to our T&Cs for more.

User reviews

3.8 out of 5.0 based on 30 reviews93% of reviewers would recommend this card

Rates and fees
Customer service

Reviews from users

Nothing of much value in the rewards catalogue

Reviewed and recommended by Felix on 05 Dec 2016

I’ve used this card for years. The annual fee was waived for some reason (I probably complained about something and they waived it) so it’s great value for me with the extra points on the AmEx. Rewards are OK. I don’t claim anything too often though, as there isn’t anything that is really great value.

Great card for all uses

Reviewed and recommended by David on 01 Oct 2016

My Westpac Altitude Platinum credit card supplies all my needs on a daily basis. I first got this and an American Express card when I refinanced my home loan to purchase an investment property. Unlike the property, my card has weathered the storm of me losing my job. As long as you are careful with spending, the linked cards with my savings and home loan work well together.

I would not hesitate to recommend this card or Westpac in general to anyone.

Rewards are excellent but I don't like the fee

Reviewed and recommended by Rachel on 29 Sep 2016

The rewards are great. Having the Visa and AmEx combo is another nice feature, but I don’t like the annual fee and slightly higher interest rates.

I signed up for this card when j had a home loan package so the annual fee was waived, but I no longer have a home loan so have to pay.

AmEx card does not have a chip

Reviewed and recommended by Norma on 27 Sep 2016

I’m very happy with the Visa, but the American Express does not have a chip and sometimes does not go through. Why is this, do you think? I would be even more happy with the Altitude Platinum Credit Card if a chip was provided on both the Visa and the Amex.

I would also prefer it if the second card had a different number on it so one could tell who had used the credit card, the primary cardolder or the secondary cardholder

Great credit card if you use it right

Reviewed and recommended by Georgina on 27 Sep 2016

I channel all my spending through this card and pay it off in time to avoid interest.

The annual fee is more than covered by the rewards I receive.

The bank has resolved fraud issues very well in the past and I appreciate the extra benefits like travel insurance cover when I pay for travel with the card.

High fees or bank error

Reviewed and recommended by Kym on 26 Sep 2016

I find this card has very high fees, or the bank has made error after error. I have only a $3500 limit. I once paid $5000 into my account, thus paying the outstanding balance and having additional funds just sitting in the card. I still managed to receive $60 in interest fees over that month. I will be deactivating this card. Debit MasterCard is much better.

No long-term customer benefits

Reviewed and recommended by Kathy on 21 Sep 2016

I believe the fees to be quite high, especially for loyal long-term customers with a great credit rating.

I think the Interest rate is too high, and obscene for any cash advances given current interest rates.

Loyal long-term customers should be considered for better interest rates on the odd occasion they may be charged for not paying on time.

Best value card ever

Reviewed and recommended by Donald on 16 Sep 2016

We were offered this particular credit card as a result of over 50 years of being a loyal customer with both personal, business and retirement accounts over this time.

We pay no annual fees on this card, which includes comprehensive travel insurance when using the card to purchase air fares, cruises and overseas accommodation. We also accumulate frequent flyer points on practically every purchase made with this card.

I do not believe this offer would be possible with any other credit card provider.

Misleading advertising

Reviewed and not recommended by Trev on 30 Aug 2016

It was hard to connect this card to my Westpac profile. I was told I had to do it online, then there was a trip into the branch. They were clueless, but I was helped.

But my gripe was that I got this card on the assumption that points would flow automatically to my Qantas FF program, only to find you can’t transfer online but have to call in each transfer, and the transfer rate is slashed. Phone service was very slow and had to call three numbers before I got someone to help. Feel misled by the advertising.

Great card

Reviewed and recommended by Jacquelyn on 04 Jul 2016

I am very happy with this card. I was an original Westpac Ignite cardholder and Westpac upgraded me, so I can now earn reward points with no annual fees. I have always paid out my card in full each month, so I have never had to pay any interest.

Show 20 more reviews
Disclaimer: The opinions expressed about credit cards are the reviewer's alone, and do not reflect the views of Credit Card Compare or the credit card issuer. Reviews have not been approved or otherwise endorsed by Credit Card Compare.

The basics

About this card

Card setup
Card tier
Card type
Card use
Credit rating
Gambling transactions allowed
Joint application
Minimum age
18 years old
Minimum income
Minimum income for pensioners
Same as standard
Rewards program
Altitude Rewards
Temporary residents


Additional cardholders
Additional card fee
$0 p.a.

Credit limits

Minimum credit limit
Maximum credit limit


Interest charged from
Purchase date
Interest free period
Up to 45 days on purchases
Minimum repayment

Rates & fees

Ongoing interest rates

Cash advances 1.79% 21.49% p.a.
Purchases 1.71% 20.49% p.a.


Annual fee
$150 p.a.
Cash advance fee
whichever is greater, $2.50 or 2%
Dishonour fee
Duplicate statement fee
Foreign exchange fee
Late payment fee
Over limit fee
Overseas ATM balance fee
Overseas ATM withdrawal fee
Overseas emergency card replacement fee
Transaction verification fee

Rewards & points

Cool stuff you can get with your points

Disclaimer: Points required accurate as of the 31st March 2018.

Rewards program basics

First purchase bonus
80,000 points
Reward points expiry
Never as long as you keep your account active
Rewards program
Altitude Rewards
Spend required for bonus points
$3,000 in 90 days

Earning points with this card

Frequent flyer points
(refer to Pro section)
Overseas earn rate
2 points per $1 spent
Points cap per month
Points cap per year
Points earned on ATO payments
Reward points
1 pt per $1 spent

Additional benefits

Airport lounge access
Complimentary flight voucher
Concierge service

Minimum criteria for this card

What you need before applying

Be over 18 years old
You are a resident or citizen of Australia
Earn a regular income of more than $30,000 per year
You have your personal details ready to complete the online application
Have not applied for multiple credit cards recently
Age Pension, Disability Pension, Veteran's Pension and Widower's Pension are acceptable.
Austudy, Child Support Payments, Family Tax Benefits and Parenting Payments, Foster Care Allowance and Youth Allowance are acceptable.
Joint applications are not allowed
Overseas Pension is not acceptable.
Carer's Allowance is not acceptable.
Disclaimer: The minimum criteria are intended only to be a guide. Your application may still be rejected by the bank even if you can answer 'Yes' to all the minimum criteria. The final decision regarding your application is up to the bank.

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Rated 4.8 out of 5 for customer satisfaction.
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