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- Altitude Platinum (Altitude Rewards)
Westpac Altitude Platinum (Altitude Rewards)
- Bonus Points
- Apple, Google & Samsung Pay
- Balance transfer
Earn 120,000 bonus Altitude Points and reduced first year annual card fee.
~ Ends in 3 monthsEarn 90,000 Rewards Points in year 1 if you spend $3k on eligible purchases† within 90 days of new card approval and an extra 30,000 points after your first eligible purchase in year 2 Plus, a reduced first year annual card fee of $49 ($175 thereafter) Offer not available if you have held an Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas or Velocity in the last 12 months. T&Cs apply.
Purchase rate p.a.
19.99%
Balance transfer rate
0%
Annual fee
$49
for 12 months then $175 thereafter
Westpac Altitude Platinum (Altitude Rewards)
- Bonus Points
- Apple, Google & Samsung Pay
- Balance transfer
Purchase rate p.a.
19.99%
Balance transfer rate
0%
Annual fee
$49
for 12 months then $175 thereafter
Pros and Cons
For Westpac Altitude Platinum (Altitude Rewards)
Benefits
- Rewards Available through Westpac Altitude Rewards
- Extra 120,000 points subject to eligibility conditions
- $49 annual fee in the first 12 months and $175 p.a thereafter.
- Ability to convert large purchases into instalment plans
- Apple Pay, Google Pay and Samsung Pay available
- Domestic travel insurance
- International travel insurance
- Free supplementary cards
- Extended warranty
- Rental car excess insurance
- Concierge
- Purchase protection insurance
Drawbacks
- Higher than average ongoing variable purchase rate
- Higher than average ongoing annual fee
Westpac Rate Credit Card overview
For Altitude Platinum (Altitude Rewards)
Details
Card level
Platinum
Card type
MasterCard
Interest free days
45
Minimum monthly repayment
2% or $10
Minimum credit limit
$6,000
Maximum credit limit
$30,000
Free supplementary cards
Instant approval
Target Market Determination
Visit Westpac Banking Corporation Ltd to view Target Market Determination.
Fees
Annual fee
$49
for 12 months then $175 thereafter
Annual Fee Spend Waiver
Supplementary card annual fee
$0
Late payment fee
$15
Over limit fee
$15
Duplicate statement fee
$2
Electronic Wallet Service
Apple pay available
Google pay available
Samsung pay available
Important Rates
Rates
Purchase rate p.a.
19.99%
Cash advance rate
21.49%
Cash advance fee
2% or $2.5
Balance Transfer
Balance transfer rate
0%
Transfer limit
80%
of the approved credit limit
Balance transfer fee
1%
Overseas spending
Foreign exchange fee
Overseas charges
$2.5
Estimated ATM cost
$11.5
for AU $300 withdrawal
Rewards
Program name
Westpac Altitude Rewards
Rewards available
Gift Card, Cash Back
Eligibility
Minimum age
18
Minimum income
$30,000
Eligibility conditions
You have a regular, verifiable income
Residency
Perks
Available for covers up to $15,000 for loss or damage to personal property, $550 for loss or damage to travel documents and $2.5 million of personal liability cover
Warranty is extended for the same duration as the original warranty up to 1 year.
Covers up to $5000
Other Restrictions
To pay no interest on your balance transfer you need to pay it off before the promotional period ends. You do not receive points if your card account is in arrears for 2 consecutive statement cycles.
