The Westpac Altitude Platinum credit card allows cardholders to earn and redeem Qantas Frequent Flyer points for every dollar spent on eligible purchases. The Westpac Altitude Platinum credit card can be either an American Express or a Visa card, and includes additional benefits such as a 24/7 concierge service, complimentary insurances and the ability to add an additional cardholder at no extra cost.
This credit card has a moderately high annual fee as well as a high interest rate on purchases and cash advances. It also has a moderate minimum credit limit and moderately low minimum income requirement, making most people in full-time employment eligible to apply.
Like all Westpac credit cards, the Westpac Altitude Platinum credit card also comes with Westpac Added Online Security and Fraud Money Back Guarantee.
- Earn Qantas Frequent Flyer points
- Four complimentary insurances
- Free additional cardholder
- High interest rate
- Moderately high annual fee
- Foreign transaction fees
Who is it good for?
The Westpac Altitude Platinum credit card’s ability to earn you frequent flyer points makes this credit card most suitable for current Qantas Frequent Flyer members. Qantas Frequent Flyers can also take advantage of the bonus points on offer when they sign up, provided that they meet the minimum spend requirement in the first few months.
There are other credit cards with more generous points earned per dollar, but for customers who are already using Westpac, this card could be a good option. Couples could also benefit, by adding an additional cardholder for free and earning frequent flyer points on both cardholders’ transactions.
This credit card is more suitable for customers who are planning on putting the majority of their everyday (and larger) expenses on the credit card. By this means, the frequent flyer points earned could certainly justify the moderately high annual fee.
What RateCity says
The Westpac Altitude Platinum credit card has a reasonably generous system of earning Qantas Frequent flyer points, as well as a number of additional perks. With four complimentary insurance products included, as well as a 24/7 concierge service, this credit card has quite a few extras that other rewards cards can sometimes lack.
However, these benefits do come at a cost, as the Westpac Altitude Platinum credit card has a moderately high annual fee, as well as a high interest rate. Current Westpac customers who are already Qantas Frequent Flyer members will benefit most from this credit card, especially if they are medium to big spenders. Other customers may certainly find value in this card with the complimentary extras and ability to earn air miles, but should weigh up whether the rates and fees justify this.
To be eligible for the Westpac Altitude Platinum credit card you must be aged 18 years or older, an Australia citizen or permanent resident, and currently be based in Australia. When applying online, you will need to provide a form of identification, income and expenses details, as well as your employment details. The online application process should only take about 10 minutes, and you can expect to receive a response within 60 seconds.
About the lender
Westpac is one of the largest banking groups in Australia, and one of the big four banks in Australia. Officially known as Westpac Banking Group, its name is derived from compounding ‘Western-Pacific’. Founded in 1817, Westpac was then known as the Bank of New South Wales and was the first bank established in Australia. Today, Westpac is headquartered in Sydney and serves customers worldwide, with over 1,400 branches and more than 3,000 ATMs.