Westpac Altitude Business Platinum Credit Card

Name: Westpac Altitude Business Platinum Credit Card
Brand: Westpac
Price: 200 AUD

Data last updated 12 October 2026

20.24%

Purchase rate

$200

Annual fee

55 days

Interest-free

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Westpac Altitude Business Platinum Credit Card card

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CardIQ

45Fair

Fair

Overall score, out of 100 · How this works

55 days interest-free45
Business50
Frequent flyer40
Rewards42
Travel50
Velocity Points40

Customer reviews

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Pros & cons

What's good

Complimentary international travel insurance, transit accident insurance, purchase protection and extended warranty.
Complimentary concierge service.
Earns 2 points per $1 on overseas spend.
Points transfer to 5 rewards programs, including Air New Zealand Airpoints, Cathay (Asia Miles) and Everyday Rewards.
Earns 0.5 points per $1 on ATO and government payments, where many rewards cards earn nothing.

Worth noting

The $200 annual fee is toward the top of the market (the median is $72).
The 20.24% p.a. purchase rate sits above the 19.24% p.a. median if you carry a balance.
3% foreign transaction fee on overseas spending.
No balance transfer or introductory purchase offer.

Card details

The basics

Additional cardholder fee: $0 p.a.
Card tier: Platinum
Card type: Visa
Card use: Business
Credit limit: $5,000 – $150,000
Credit rating: Good
Rewards program: Westpac Altitude Rewards

Eligibility

Instant approval: Yes (response in ~60 seconds)
Joint application: No
Minimum age: 18 years old
Minimum income: $30,000 p.a.
Residency: Australian citizen or permanent resident
Temporary residents: Not eligible

Rates & fees

Ongoing interest rates

Cash advances: 20.74% p.a.
Purchases: 20.24% p.a.

Fees

Additional cardholder fee: $0
Annual fee: $200 p.a.
Cash advance fee: 3% of the amount
Foreign transaction fee: 3%
Late payment fee: $0

Repayments

Interest-free period: Up to 55 days on purchases
Minimum repayment: 3% of the closing balance or $10, whichever is greater

Balance transfers

This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

Earn rate

Everyday spend: 1.5 pts per $1
Bonus categories: None
Other purchases: None
Overseas spend: 2 pts per $1 on overseas spend
ATO/government: 0.5 pts per $1 on ATO and government payments
Reduced rate above monthly cap: None
Points cap: Uncapped
Points expiry: Points don't expire while your account is open and in order.

Sign-up bonus

Bonus spend required: —
Sign-up bonus: —

Transfer partners

Air New Zealand Airpoints: 180 pts → 1 pt (≈ 1 pt per $120)
Cathay (Asia Miles): 3 pts → 1 pt (≈ 0.5 pts per $1)
Everyday Rewards: 3 pts → 2 pts (≈ 1 pt per $1)
Singapore Airlines KrisFlyer: 3 pts → 1 pt (≈ 0.5 pts per $1)
Velocity Frequent Flyer: 3 pts → 1 pt (≈ 0.5 pts per $1)

Where these points could take you

Flights you could book with the sign-up bonus plus a year of spending $3,000 a month on this card. One-way from Sydney or Melbourne, one adult, before taxes and carrier charges. Award prices and seat availability change.

Complimentary insurance

Cover has conditions and exclusions, which are set out in the issuer's policy terms. A missing row means we haven't captured that figure, not that the cover is absent.

Overseas travel

Activation: Varies by card, often paying for the trip with it
Activation spend: $500
Age limit: 80 years
Cover limit: Unlimited
Excess: $300
Maximum trip length: 180 days
Not covered: Pre-existing conditions, unless the insurer agrees in writing
Underwriter: Allianz Australia Insurance Limited

Transit accident

Activation: Pay the fare with the card
Cover limit: $250,000
Excess: No excess
What it pays: Death or defined serious injury only

Purchase protection

Activation: Pay for the item with the card
Annual limit: $125,000
Cover period: 120 days
Excess: $300
Not covered: Cash, consumables and animals
Voids cover: Leaving the item unattended in a public place
What it pays: Theft, loss and accidental damage

Extended warranty

Activation: Pay with the card for an item under manufacturer's warranty
Annual limit: $10,000
Excess: $300
Not covered: Anything the manufacturer's warranty already excluded
What it pays: Mechanical failure once that warranty ends

Where this card sits vs similar cards

Compared with every other business credit card we list that has the feature. The further right the dot, the better this card does.

FeatureThis cardWhere it ranks

Interest-free days55 daysTied for best (1st of 37 cards)

Rewards value$540 a yearTop 10% (2nd of 21 cards)

Overseas fee3.00%Top 25% (7th of 39 cards)

Annual fee$200 a yearNot as good as most cards (30th of 39 cards)

Purchase rate20.24%Not as good as most cards (28th of 34 cards)

Data as at November 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Sources

Credit Card Compare: Credit card statistics for AustraliaHow CardIQ scores cards
Government: Product reference data (Consumer Data Right)
Issuer: Westpac
Program: Altitude Rewards (Westpac)