Important disclosure

Westpac Banking Corporation Ltd

Westpac Altitude Platinum (Altitude Rewards)

  • Apple, Google & Samsung Pay
  • Balance transfer
  • Instant approval

Bonus Points

Earn 120,000 bonus Altitude Points and reduced first year annual card fee.

Earn 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

19.99%

p.a

Balance Transfer Rate

0%

p.a

Tags
  • Apple, Google & Samsung Pay
  • Balance transfer
  • Instant approval
Purchase Rate

19.99%

p.a

Balance Transfer Rate

0%

p.a

Annual Fee

$49

for 12 months then $175 thereafter

Pros and cons

For 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

$6k

Maximum credit limit

$30k

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

Important Rates

Rates

Purchase Rate

19.99%

p.a

Cash advance rate

21.49%

Cash advance fee

2% or $2.5

Balance Transfer

Balance Transfer Rate

0%

p.a

Transfer Limit

80%

of the approved credit limit

Balance Transfer Fee

1%

Overseas spending

Foreign Exchange Fee

3% on Mastercard

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

$30k

Eligibility conditions

You have a regular, verifiable income

Residency

Perks

  • DOMESTIC TRAVEL INSURANCE
  • INTERNATIONAL TRAVEL INSURANCE 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
  • FREE SUPPLEMENTARY CARDS
  • EXTENDED WARRANTY Warranty is extended for the same duration as the original warranty up to 1 year.
  • RENTAL CAR EXCESS INSURANCE Covers up to $5000
  • CONCIERGE
  • PURCHASE PROTECTION INSURANCE Cover lasts for 90 days per year
Specials
  • Bonus PointsOther Earn 120,000 bonus Altitude Points and reduced first year annual card fee.
    Earn 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.

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.

Promoted credit cards

Promoted

Longer Balance Transfer

Visa Platinum Credit Card

  • Balance transfer
Purchase Rate

4.99%

p.a

for up to 5 months, then 19.49%

Annual Fee

$199

Promoted

Lower Purchase Rate

Rewards Platinum

  • Apple, Google & Samsung Pay
  • Balance transfer

Bonus Points

80,000 ANZ Reward Points and $50 back to your new ANZ Rewards Platinum credit card when you spend $2,000 on eligible purchases in the first 3 months from approval.
Purchase Rate

20.99%

p.a

Annual Fee

$149

Promoted

Lower Annual Fee

Latitude 28º Global Platinum Mastercard

  • Apple, Google & Samsung Pay
  • No annual fee

special

Save with 0% international transaction fees on purchases. Plus, complimentary Flight Delay Pass and global data roaming.
Purchase Rate

27.49%

p.a

Annual Fee

$0

Promoted

More Free Days

More World Mastercard

  • Google Pay
  • Balance transfer
Purchase Rate

19.99%

p.a

Annual Fee

$270