Westpac Altitude Platinum with American Express

This product is available in different versions. Pick the right version for you here.

The details shown below are for a card with Altitude Rewards

The details shown below are for a card with Qantas Frequent Flyer

The details shown below are for a card with Velocity Frequent Flyer

Choose the version of this credit card that suits you best

  • Altitude Platinum with American Express (Altitude Rewards)

    Rewards: Altitude Rewards

  • Altitude Platinum with American Express (Qantas Frequent Flyer)

    Rewards: Qantas Frequent Flyer

  • Altitude Platinum with American Express (Velocity Frequent Flyer)

    Rewards: Velocity Frequent Flyer

20.49% p.a.

No current offer

$199 $150 in the first year

Altitude Rewards

Westpac Altitude Platinum with American Express

20.49% p.a.

No current offer

$199 $150 in the first year

Altitude Rewards

20.49% p.a.

No current offer

$249 $200 in the first year

Qantas Frequent Flyer

Westpac Altitude Platinum with American Express

20.49% p.a.

No current offer

$249 $200 in the first year

Qantas Frequent Flyer

20.49% p.a.

No current offer

$249 $200 in the first year

Velocity Frequent Flyer

Westpac Altitude Platinum with American Express

20.49% p.a.

No current offer

$249 $200 in the first year

Velocity Frequent Flyer

Mozo Review   Westpac Altitude Platinum with American Express Review

Last updated: 16 October 2019.

What's hot:
  • 2 points per dollar on Amex, 1 point per dollar on Mastercard, uncapped

  • $150 annual fee in the first year

  • 110,000 bonus Altitude Points offer

What's not:
  • 20.49% purchase rate

Mozo snapshot:

If you’re a rewards lover who loves to rack up points left, right and centre, then the Westpac Altitude Platinum with American Express could be the dynamic duo for you. You’ll be able to earn 2 points per dollar with your Amex card and 1 point per dollar with your Mastercard. Plus, there are stacks of bonus points up for grabs and a range of perks that come with owning a rewards card. 

Key features:

Monogamy isn’t for everyone, even when it comes to rewards credit cards - introducing the Westpac Altitude Platinum with American Express rewards cards. With these pieces of plastic, you’ll be able to spend up a storm and take your points stash to the next level. Cardholders will earn 1 point per dollar on Mastercard and 2 points per dollar on Amex. 

Once you sign up, you’ll also be able to earn 110,000 bonus Altitude Points on your Mastercard or 15,000 bonus Altitude Points on your Amex card if you spend $3,000 within the first 90 days of approval. Or if you opt for the Frequent Flyer options instead, you'll be able to score 75,000 bonus Qantas or Velocity points, all you need to do is spend at least $3,000 on your card within the first 90 days! 

Complimentary travel insurance, concierge service, extended warranty and purchase protection are also available with these cards. 

Getting technical, both these cards come with a hefty 20.49% purchase rate, so be sure you’ll be able to pay the balance off in full every month. There’s also the $199 annual fee you’ll need to budget for, though this is $49 in the first year. 

Who it's good for:

The Westpac Altitude Platinum with American Express could be a good choice for rewards lovers who want the prestige of paying with an Amex card, ans are also keen to build up a decent points stash. 


Any catches?

These cards do come with a hefty purchase rate of 20.49% and a regular annual fee of $199, so you’ll need to makes sure that the perks justify the spend before you sign up. 

Rewards program details

Rates and fees information correct as at 19 October 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
What your points get you

Fly Sydney to London return

239,200 points

Fly Sydney to Melbourne one-way

15,600 points

$100 Giftcard

23,500 points

$100 Cash

20,000 points

Points earning

2 points per dollar on Amex, 1 point per dollar on Mastercard, uncapped

Rewards scheme

Transfer points to a range of airline programs or redeem your points for travel, gift cards, retail rewards and shopping gift cards. Points transfer rate is 2 Altitude points per Velocity point if via auto redemption, 3 Altitude points per Velocity point otherwise.

You can get flights via Velocity, Air New Zealand Air Points, Enrich or Krisflyer programs, or by booking through Altitude Travel.

Special offers

Receive 110,000 bonus Altitude Points when you spend at least $3,000 on your Visa card within 90 days of card approval. Receive 15,000 bonus Altitude Points when you spend at least $3,000 on your American Express card within 90 days of card approval.

Value of rewards points

Spend $20,000 (Mastercard) or $10,000 (Amex)

Spend $23,500 (Mastercard) or $11,750 (Amex)

Spend $15,600 (Mastercard) or $7,800 (Amex)

Spend $239,200 (Mastercard) or $119,600 (Amex)

Uncapped

Never

How do we calculate the rewards?

To work out the "Rewards value minus fees" in our Rewards Revealer we:

  • calculate how many points you'd get each year,

  • figure out how many flights or gift cards or cashback credits you could get for those points,

  • work out what that's actually worth to you,

  • take off the annual fee you'd pay.

More details:

  • Our calculations are designed to help you compare the value of different rewards schemes. To do this, we've looked at earning a one-way Sydney-Melbourne flight excluding taxes and charges, a return Sydney-London flight excluding taxes and charges, a $100 shopping Gift Card and $100 cashback. Most cards will also offer other rewards, which may be worth more or less than the ones we've shown.

  • We have made no allowance for bonus points for using your card at specific merchants, introductory offers or special offers. We have not assigned any value to instant discounts, insurances, ticketing and concierge services or other such benefits.

  • Rewards value calculations do not take credit card interest into account. If you do not pay off your card each month you may be better off looking for a card based on interest rates than on the value of rewards.

  • In products that have more than one card, a different mix of spend between American Express / Visa / Mastercard will give different results. Mozo's Rewards Revealer lets you choose the mix based on the way you would use such a product, and gives you tailored results.

  • We assume flights purchased with airline points are 'classic' or 'reward' economy seats with restricted seat availability. 'Any seat' rewards will probably cost more.

  • To compare the value of flight rewards, we sample online retail flight prices once a quarter based on the average price on a Wednesday 3 months in advance but outside NSW school holidays. For domestic flights we take the lowest available fare from each flight on that day from Qantas Red e-deal, Virgin Australia Saver including baggage and Jetstar Starter including baggage. We calculate the average price excluding taxes and surcharges for each airline, and also the average across all airlines (which we use when rewards are travel agent vouchers). For international flights, we take the lowest available fares on that same Wednesday from each of Qantas, Emirates, Malaysian, Etihad, Singapore, Cathay Pacific and Thai, assuming a return flight 2 weeks later, calculate the average price before taxes and surcharges and use this as our assumed cost of a flight on any airline.

  • Shopping rewards are based on $100 gift cards from a major national department store.

  • We make every effort to ensure our calculations are correct and up to date but make no guarantees.

Close

Rate and fee details

Rates
  • 20.49% p.a.

  • none

  • No current offer

  • none

  • 21.49% p.a.

  • 45

Fees
  • $199.00

  • $150 in the first 1 year

  • none

  • none

  • $15.00

  • 2%, Min $2.50, Max $150

  • 3.00%

  • $2.00

  • none

  • $0.00

Features
  • $10.00

  • 2.0

  • 1

  • none

Payment options

Google Pay, Samsung Pay, Fitbit, Garmin Pay

Rewards privileges

Concierge,
Travel Insurance,
Extended Warranty,
Purchase Protection

Rewards program details

Rates and fees information correct as at 19 October 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
What your points get you

Fly Sydney to London return

110,400 points

Fly Sydney to Melbourne one-way

8,000 points

$100 Giftcard

18,040 points

$100 Cash

-

Points earning

1 point per dollar on Amex, 0.5 points per dollar on Mastercard, uncapped

Rewards scheme

Points are automatically credited to the Qantas Frequent Flyer program.

All rewards are redeemed via Qantas Frequent Flyer.

Bonus points on selected Qantas products and services.

Special offers

Receive 75,000 bonus Qantas Points when you spend at least $3,000 on your Visa card within 90 days of card approval. Receive 15,000 bonus Qantas Points when you spend at least $3,000 on your American Express card within 90 days of card approval.

Value of rewards points

Spend $36,080 (Mastercard) or $18,040 (Amex)

Spend $16,000 (Mastercard) or $8,000 (Amex)

Spend $220,800 (Mastercard) or $110,400 (Amex)

Uncapped

Never

How do we calculate the rewards?

To work out the "Rewards value minus fees" in our Rewards Revealer we:

  • calculate how many points you'd get each year,

  • figure out how many flights or gift cards or cashback credits you could get for those points,

  • work out what that's actually worth to you,

  • take off the annual fee you'd pay.

More details:

  • Our calculations are designed to help you compare the value of different rewards schemes. To do this, we've looked at earning a one-way Sydney-Melbourne flight excluding taxes and charges, a return Sydney-London flight excluding taxes and charges, a $100 shopping Gift Card and $100 cashback. Most cards will also offer other rewards, which may be worth more or less than the ones we've shown.

  • We have made no allowance for bonus points for using your card at specific merchants, introductory offers or special offers. We have not assigned any value to instant discounts, insurances, ticketing and concierge services or other such benefits.

  • Rewards value calculations do not take credit card interest into account. If you do not pay off your card each month you may be better off looking for a card based on interest rates than on the value of rewards.

  • In products that have more than one card, a different mix of spend between American Express / Visa / Mastercard will give different results. Mozo's Rewards Revealer lets you choose the mix based on the way you would use such a product, and gives you tailored results.

  • We assume flights purchased with airline points are 'classic' or 'reward' economy seats with restricted seat availability. 'Any seat' rewards will probably cost more.

  • To compare the value of flight rewards, we sample online retail flight prices once a quarter based on the average price on a Wednesday 3 months in advance but outside NSW school holidays. For domestic flights we take the lowest available fare from each flight on that day from Qantas Red e-deal, Virgin Australia Saver including baggage and Jetstar Starter including baggage. We calculate the average price excluding taxes and surcharges for each airline, and also the average across all airlines (which we use when rewards are travel agent vouchers). For international flights, we take the lowest available fares on that same Wednesday from each of Qantas, Emirates, Malaysian, Etihad, Singapore, Cathay Pacific and Thai, assuming a return flight 2 weeks later, calculate the average price before taxes and surcharges and use this as our assumed cost of a flight on any airline.

  • Shopping rewards are based on $100 gift cards from a major national department store.

  • We make every effort to ensure our calculations are correct and up to date but make no guarantees.

Close

Rate and fee details

Rates
  • 20.49% p.a.

  • none

  • No current offer

  • none

  • 21.49% p.a.

  • 45

Fees
  • $249.00

  • $200 in the first 1 year

  • none

  • none

  • $15.00

  • 2%, Min $2.50, Max $150

  • 3.00%

  • $2.00

  • none

  • $0.00

Features
  • $10.00

  • 2.0

  • 1

  • none

Payment options

Google Pay, Samsung Pay, Fitbit, Garmin Pay

Rewards privileges

Concierge,
Travel Insurance,
Extended Warranty,
Purchase Protection

Rewards program details

Rates and fees information correct as at 19 October 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
What your points get you

Fly Sydney to London return

119,600 points

Fly Sydney to Melbourne one-way

7,800 points

$100 Giftcard

21,800 points

$100 Cash

-

Points earning

1 point per dollar on Amex, 0.5 points per dollar on Mastercard, uncapped

Rewards scheme

Points are automatically credited to the Velocity Frequent Flyer program.

All rewards are redeemed via Velocity Frequent Flyer.

Special offers

Receive 75,000 bonus Velocity Points when you spend at least $3,000 on your Visa card within 90 days of card approval. Receive 15,000 bonus Altitude Points when you spend at least $3,000 on your American Express card within 90 days of card approval.

Value of rewards points

Spend $43,600 (Mastercard) or $21,800 (Amex)

Spend $15,600 (Mastercard) or $7,800 (Amex)

Spend $239,200 (Mastercard) or $119,600 (Amex)

Uncapped

Never

How do we calculate the rewards?

To work out the "Rewards value minus fees" in our Rewards Revealer we:

  • calculate how many points you'd get each year,

  • figure out how many flights or gift cards or cashback credits you could get for those points,

  • work out what that's actually worth to you,

  • take off the annual fee you'd pay.

More details:

  • Our calculations are designed to help you compare the value of different rewards schemes. To do this, we've looked at earning a one-way Sydney-Melbourne flight excluding taxes and charges, a return Sydney-London flight excluding taxes and charges, a $100 shopping Gift Card and $100 cashback. Most cards will also offer other rewards, which may be worth more or less than the ones we've shown.

  • We have made no allowance for bonus points for using your card at specific merchants, introductory offers or special offers. We have not assigned any value to instant discounts, insurances, ticketing and concierge services or other such benefits.

  • Rewards value calculations do not take credit card interest into account. If you do not pay off your card each month you may be better off looking for a card based on interest rates than on the value of rewards.

  • In products that have more than one card, a different mix of spend between American Express / Visa / Mastercard will give different results. Mozo's Rewards Revealer lets you choose the mix based on the way you would use such a product, and gives you tailored results.

  • We assume flights purchased with airline points are 'classic' or 'reward' economy seats with restricted seat availability. 'Any seat' rewards will probably cost more.

  • To compare the value of flight rewards, we sample online retail flight prices once a quarter based on the average price on a Wednesday 3 months in advance but outside NSW school holidays. For domestic flights we take the lowest available fare from each flight on that day from Qantas Red e-deal, Virgin Australia Saver including baggage and Jetstar Starter including baggage. We calculate the average price excluding taxes and surcharges for each airline, and also the average across all airlines (which we use when rewards are travel agent vouchers). For international flights, we take the lowest available fares on that same Wednesday from each of Qantas, Emirates, Malaysian, Etihad, Singapore, Cathay Pacific and Thai, assuming a return flight 2 weeks later, calculate the average price before taxes and surcharges and use this as our assumed cost of a flight on any airline.

  • Shopping rewards are based on $100 gift cards from a major national department store.

  • We make every effort to ensure our calculations are correct and up to date but make no guarantees.

Close

Rate and fee details

Rates
  • 20.49% p.a.

  • none

  • No current offer

  • none

  • 21.49% p.a.

  • 45

Fees
  • $249.00

  • $200 in the first 1 year

  • none

  • none

  • $15.00

  • 2%, Min $2.50, Max $150

  • 3.00%

  • $2.00

  • none

  • $0.00

Features
  • $10.00

  • 2.0

  • 1

  • none

Payment options

Google Pay, Samsung Pay, Fitbit, Garmin Pay

Rewards privileges

Concierge,
Travel Insurance,
Extended Warranty,
Purchase Protection

Customer Reviews

How are Westpac credit cards rated by the Mozo community?

Overall customer rating
6.8/10
Price
5.9/10
Features
6.0/10
Customer service
6.9/10
Convenience
7.6/10
Trust
7.0/10
Westpac

About Westpac

As Australia's first bank, Westpac has been serving customers since 1817. Westpac merged with St.George to create Australia's largest financial services company, and customers can enjoy from peace of mind from having the security offered by a major bank behind them. Check out Westpac's range of banking products such as savings accounts, home loans, personal loans, credit cards and other financial services such as its car and home and contents insurance.

See Westpac credit cards

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Qantas Money

Qantas Money

Qantas Premier Everyday

0% p.a. for 12 months and then 21.99% p.a.

19.99% p.a.

$49 $29 in the first year

Promoted

Citi

Citi

Rewards Platinum Credit Card (Balance Transfer)

0% p.a. for 26 months and then 22.24% p.a. (1.50% balance transfer fee)

21.49% p.a.

$199 $0 in the first year

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American Express

American Express

Qantas Ultimate Card

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

20.74% p.a.

$450

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ANZ

ANZ

Frequent Flyer Black

No current offer

20.24% p.a.

$425

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Qantas Money

Qantas Money

Qantas Premier Platinum

0% p.a. for 18 months and then 21.99% p.a.

19.99% p.a.

$299 $199 in the first year

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Latitude

Latitude

Low Rate Mastercard

No current offer

9.89% p.a.

$69

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Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0% p.a. for 6 months and then 20.99% p.a.

0% p.a. for 14 months then 20.74% p.a.

$129 $64 in the first year

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Citi

Citi

Rewards Platinum Credit Card (Bonus Points)

0% p.a. for 15 months and then 22.24% p.a. (1.00% balance transfer fee)

21.49% p.a.

$149 $49 in the first year

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Qantas Money

Qantas Money

Qantas Premier Platinum

1 point per dollar on Mastercard, up to $10,000 per month, then
0.5 points per dollar on Mastercard, uncapped

19.99% p.a.

$299 $199 in the first year

Promoted

American Express

American Express

Qantas Ultimate Card

1.25 points per dollar on Amex, uncapped

20.74% p.a.

$450

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Citi

Citi

Rewards Platinum Credit Card (Bonus Points)

1 point per dollar on Visa, up to $10,000 per month

21.49% p.a.

$149 $49 in the first year

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0.66 points per dollar on Visa, up to $1,500 per month, then
0.5 points per dollar on Visa, uncapped

20.74% p.a.

$129 $64 in the first year

Promoted

ANZ

ANZ

Frequent Flyer Black

1 point per dollar on Visa, up to $7,500 per month, then
0.5 points per dollar on Visa, uncapped

20.24% p.a.

$425

Promoted

Qantas Money

Qantas Money

Qantas Premier Everyday

0.75 points per dollar on Mastercard, up to $3,000 per month, then
0.4 points per dollar on Mastercard, uncapped

19.99% p.a.

$49 $29 in the first year

Promoted

Citi

Citi

Platinum Credit Card (Purchase Rate)

1 point per dollar on Visa, up to $10,000 per month

21.49% p.a.

$149 $49 in the first year

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American Express

American Express

Velocity Escape Card

0.75 points per dollar on Amex, uncapped

20.74% p.a.

$0

Promoted

Citi

Citi

Rewards Platinum Credit Card (Balance Transfer)

0% p.a. for 26 months and then 22.24% p.a. (1.50% balance transfer fee)

$199 $0 in the first year

21.49% p.a.

Promoted

Qantas Money

Qantas Money

Qantas Premier Everyday

0% p.a. for 12 months and then 21.99% p.a.

$49 $29 in the first year

19.99% p.a.

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0% p.a. for 6 months and then 20.99% p.a.

$129 $64 in the first year

0% p.a. for 14 months then 20.74% p.a.

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Qantas Money

Qantas Money

Qantas Premier Platinum

0% p.a. for 18 months and then 21.99% p.a.

$299 $199 in the first year

19.99% p.a.

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Citi

Citi

Platinum Credit Card (Purchase Rate)

0% p.a. for 13 months and then 22.24% p.a. (1.00% balance transfer fee)

$149 $49 in the first year

0% p.a. for 13 months then 21.49% p.a.

Promoted

HSBC

HSBC

Platinum Credit Card (Special Offer)

0% p.a. for 22 months and then 21.99% p.a.

$129 Refunded when you spend over $6,000 p.a

0% p.a. for 12 months then 19.99% p.a.

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American Express

American Express

Velocity Escape Card

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

$0

20.74% p.a.

Promoted

ANZ

ANZ

Low Rate

0% p.a. for 15 months and then 20.24% p.a.

$58

12.49% p.a.

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Citi

Citi

Clear Platinum Credit Card

0% p.a. for 9 months then 14.99% p.a.

$99 $0 in the first year

0% p.a. for 9 months and then 22.24% p.a.

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Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0% p.a. for 14 months then 20.74% p.a.

$129 $64 in the first year

0% p.a. for 6 months and then 20.99% p.a.

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ANZ

ANZ

Low Rate

12.49% p.a.

$58

0% p.a. for 15 months and then 20.24% p.a.

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Bankwest

Bankwest

Breeze Platinum Mastercard

9.90% p.a.

$99 $0 in the first year

0% p.a. for 6 months and then 9.90% p.a. (2.00% balance transfer fee)

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ME

ME

frank Credit Card

11.99% p.a.

$0

No current offer

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Latitude

Latitude

Low Rate Mastercard

9.89% p.a.

$69

No current offer

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Heritage Bank

Heritage Bank

Gold Low Rate

11.30% p.a.

$0

No current offer

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NAB

NAB

Low Fee Card

19.74% p.a.

$30

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

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Qantas Money

Qantas Money

Qantas Premier Everyday

19.99% p.a.

0% p.a. for 12 months and then 21.99% p.a.

$49 $29 in the first year

Promoted

ANZ

ANZ

Frequent Flyer Black

20.24% p.a.

No current offer

$425

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Qantas Money

Qantas Money

Qantas Premier Platinum

19.99% p.a.

0% p.a. for 18 months and then 21.99% p.a.

$299 $199 in the first year

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Latitude

Latitude

Low Rate Mastercard

9.89% p.a.

No current offer

$69

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Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0% p.a. for 14 months then 20.74% p.a.

0% p.a. for 6 months and then 20.99% p.a.

$129 $64 in the first year

Promoted

NAB

NAB

Qantas Rewards Signature Card

19.99% p.a.

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

$395 $295 in the first year

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ME

ME

frank Credit Card

11.99% p.a.

No current offer

$0

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ANZ

ANZ

Low Rate

12.49% p.a.

0% p.a. for 15 months and then 20.24% p.a.

$58