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Westpac Altitude Platinum Credit Card: complete information

The Westpac Altitude Platinum Credit Card is a credit card that is flexible and has an excellent range of platinum perks.

Westpac Altitude Platinum Credit Card

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There are infinite varieties of credit cards that offer different perks and reward programs. One of the most popular features nowadays is the ‘Platinum Rewards’. These credit cards are popular among customers due to their flexibility and wide range of offers and benefits. The Westpac Altitude Platinum Credit Card is one such card that is flexible. And has an excellent range of platinum perks. This card is the best option for point hunters and frequent travelers.


Furthermore, this card has outclassed its competitors by offering 110,000 bonus points on the eligible spendings. Other benefits include 0% p.a on balance transfers for 24 months, complimentary travel insurance, and a reduced annual fee for the first year, to name a few. The Westpac Altitude Platinum Card checks every box in your credit card wish list. Let’s dive deep into the Card features and benefits.

Westpac Altitude Platinum Credit Card benefits


With the Westpac Altitude Platinum Credit Card, you can enjoy 0% p.a for 24 months. You have to mention that you are opting for the balance transfer offer while applying for the credit card. Remember that a one-time 1% balance transfer fee is also applicable. A 21.49% p.a cash advance rate will be charged after the promotional period. The annual fee for this card is $150 and if you apply before 30 June 2022 you will get a reduced annual fee of $49 for the first year. 


Besides that, turn your card into a digital wallet by linking it to Google Pay, Apple Pay, or Samsung Pay for contactless payments. There is also an option to use the Instant Digital Card right after the account opening, removing the long wait for a physical credit card. You can earn points faster by adding an additional cardholder (16 years or older) at no extra cost.

Altitude points


Also, the earn rate for this credit card is 3 points per dollar spent on eligible purchases. You will earn 3 points per dollar spent on Jetstar and Qantas flights purchased in Australia. There is an upper limit of $10,000 per calendar month. For overseas spending, this card offers 2 Altitude points per $1spent on Airbnb, Uber, Uber Eats, and Shopify. This card will earn you 1 Altitude point on every dollar spent on other eligible purchases and there is no limit.

Westpac Altitude Platinum Credit Card

Therefore, you will get 110,000 bonus altitude points if you apply by June 30 2022 and spend a minimum of $3,000 on eligible purchases in the first 90 days from the credit Card approval date. These points can be transferred to your Velocity Frequent Flyer, Asia Miles, Singapore Airlines Kris Flyer, or Air New Zealand Airport account. The bonus points will be credited to your account within 12 weeks with a condition that you meet the spending criteria.


Most of the customers of the Westpac Altitude Platinum Credit Card get confused when it comes to eligible purchases. Note that credit card fees, balance transfers, cash advances, purchasing foreign currencies, government payments are not counted as eligible purchases which will not earn you any Altitude points. For further details please refer to the company’s list of eligible purchases.



Westpac Altitude Platinum Credit Card cardholders and their families can benefit from overseas travel insurance. This insurance covers annual trips of up to 3 months. You will have to use your credit card to pay at least $500 for the trip expenses. With the extended warranty insurance, you can enjoy up to 12 extra months’ warranty on items purchased with the card.


The purchase security insurance covers any loss, theft, or damage to the items purchased using the card. It is a good idea to refer to the Westpac Credit Card terms and conditions for a proper understanding of the insurance policies and claim procedure. Keep reading to know more about this credit card.


Westpac Altitude Platinum Credit Card rates and fees

A standard annual fee of $150 is applicable after the promotional period. The variable interest rate on purchases is 19.99% p.a. This credit card attracts an interest rate of 21.49% p.a on cash advances. If you pay the monthly balance in full and before the due date, you will earn up to 45 interest-free days.

Note that these interest-free days do not cover the cash advances of the Westpac Altitude Platinum Credit Card. The foreign transaction fee is 3% of the amount spent on overseas transactions. Each cash advance transaction made by the card has a 3% cash advance fee. There is a $15 fee for the late or any missed payments.

Eligibility criteria

To get the Westpac Altitude Platinum Credit Card you must be an Australian citizen or permanent Australian resident aged 18 or above. Temporary visa holders must apply via migrant banking. Your minimum annual income must be at least $30,000. If you have held a Westpac rewards credit card in the last 12 months then you might not be eligible for the bonus points offer.

How to apply?

The online application process for the Westpac Altitude Platinum Credit Card is pretty simple and it takes only a few minutes. In case of any confusion, visit the nearest bank branch. The first thing is your details like name, permanent address, phone number, and email address. After that, you have to have proof of identification like a driver’s license, passport, or Medicare card.

The next step covers any proof of income. You can provide payslips or tax documents. Moving forward, you have to enter the employment details like employer address, phone number, and your job title. The last step in the application process of the credit card is to provide proof of any other financial sources like investments, properties, etc.

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