Westpac Altitude Rewards Platinum
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CardIQ
Good
Overall score, out of 100 · How this works
- Frequent flyer55
- Rewards52
- Sign-up bonus66
- Travel47
- Velocity Points55
Customer reviews
Based on 19 reviews
Most of the praise went to travel perks, rewards and fees.
Nothing of much value in the rewards catalogue
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
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…
Rewards are excellent but I don't like the fee
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…
AmEx card does not have a chip
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…
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…
High fees or bank error
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…
No long-term customer benefits
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…
Best value card ever
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…
Misleading advertising
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…
Great card
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.
Pros & cons
What's good
- 100,000 bonus points to start, worth around $1,000 at our 1c-per-point valuation.
- Complimentary international travel insurance, transit accident insurance, purchase protection and extended warranty.
- Earns 1.25 points per $1 on bonus categories and 2 points per $1 on overseas spend.
- Points transfer to 5 rewards programs, including Air New Zealand Airpoints, Cathay (Asia Miles) and Everyday Rewards.
- No fee to add an additional cardholder.
Worth noting
- The annual fee increases from $99 to $175 in the second year.
- The 20.99% p.a. purchase rate sits in the most expensive quarter of cards (the median is 18.99% p.a.) if you carry a balance.
- Earns 1 point per $1 on everyday spend, around the dataset average.
- The 1-point rate on other purchases applies only to the first $5,000 spent each statement period, then drops to 0.5 points per $1.
Card details
The basics
- Additional cardholder fee
- $0 p.a.
- Card tier
- Platinum
- Card type
- Mastercard
- Card use
- Personal
- Credit limit
- $3,000 – $50,000
- 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
- 21.99% p.a.
- Purchases
- 20.99% p.a.
Fees
- Additional cardholder fee
- $0
- Annual fee
- $99 p.a.
- Annual fee (year 2+)
- $175 p.a.
- Cash advance fee
- 3.5% of the amount
- Foreign transaction fee
- 3%
- Late payment fee
- $20
Repayments
- Interest-free period
- Up to 45 days on purchases
- Minimum repayment
- 2% 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
- None
- Bonus categories
- 1.25 pts per $1 in bonus categories
- Other purchases
- 1 pt per $1 on other purchases, up to $5,000 per statement period
- Overseas spend
- 2 pts per $1 on overseas spend
- ATO/government
- None
- Reduced rate above monthly cap
- 0.5 pts per $1 above $5,000 per statement period
- 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
- 100,000 points
Transfer partners
- Air New Zealand Airpoints
- 180 pts → 1 pt (≈ 1 pt per $180)
- Cathay (Asia Miles)
- 3 pts → 1 pt (≈ 0.33 pts per $1)
- Everyday Rewards
- 3 pts → 2 pts (≈ 0.67 pts per $1)
- Singapore Airlines KrisFlyer
- 3 pts → 1 pt (≈ 0.33 pts per $1)
- Velocity Frequent Flyer
- 3 pts → 1 pt (≈ 0.33 pts per $1)
Where these points could take you
- Auckland
- Flying Virgin Australia non-stop, using transferred Velocity points. Economy 17,900 pts, Business 35,500 pts.
- Denpasar
- Flying Singapore Airlines via Singapore, using transferred KrisFlyer points. Economy 30,500 pts.
- Singapore
- Flying Singapore Airlines non-stop, using transferred KrisFlyer points. Economy 29,000 pts.
- Tokyo
- Flying All Nippon Airways non-stop, using transferred Velocity points. Economy 45,000 pts.
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 PDS. A missing row means we haven't captured that figure, not that the cover is absent.
Overseas travel
- Activation
- Prepay part of the trip on the card
- Activation spend
- $500
- Age limit
- 80 years
- Cover limit
- Unlimited
- Excess
- $300
- Maximum trip length
- 90 days
- Not covered
- Pre-existing conditions, unless the insurer agrees in writing
- Underwriter
- Allianz Australia Insurance Limited
Rental vehicle excess
- Activation
- Book with the card and take the hire company's waiver
- Cover limit
- $5,500
- Excess
- $300
- Voids cover
- Unsealed roads, drink driving, a driver not on the agreement
- What it pays
- The hire company's excess, not the vehicle
Purchase protection
- Activation
- Pay for the item with the card
- Annual limit
- $135,000
- Cover period
- 120 days
- Excess
- $300
- Not covered
- Cash, consumables and animals
- Per-item limit
- $10,000
- 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
- $20,000
- Excess
- $300
- Not covered
- Anything the manufacturer's warranty already excluded
- Per-item limit
- $20,000
- What it pays
- Mechanical failure once that warranty ends
Where this card sits vs similar cards
Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.
Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.
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Sources
- Credit Card Compare
- Australian credit card statisticsHow CardIQ scores cards
- Issuer
- Westpac
- Program
- Altitude Rewards (Westpac)