Westpac Altitude Platinum

20.24% p.a.

No current offer

$150

20.24% p.a.

No current offer

$150

Currently showing

Revealing rewards

How do we do it?

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.

Rewards scheme

  • Transfer points to a range of airline programs or redeem your points for travel, gift cards, retail rewards and shopping gift cards.
  • You can get flights via Velocity, Air New Zealand Air Points, Enrich or Krisflyer programs, or by booking through Altitude Travel.

Privileges

  • Concierge
  • Travel Insurance
  • Extended Warranty
  • Purchase Protection

Special offers

  • Receive 60,000 bonus points when you spend at least $3,000 within 90 days from card approval.

Value of rewards points

  • Need to spend $20,000 (Visa) or $10,000 (Amex)

  • Need to spend $23,500 (Visa) or $11,750 (Amex)

  • Need to spend $15,600 (Visa) or $7,800 (Amex)

  • Need to spend $239,200 (Visa) or $119,600 (Amex)

  • at 7,500 points monthly

  • Never

Details behind our 'value of rewards' calculations

  • 2 points per dollar on Amex, 1 point per dollar on Visa, up to 7500 points per month

  • 20000 points buys a Altitude $100 annual fee

  • 23500 points buys a Myer $100 Gift Card

  • 1 points buys 0.5 Velocity Points; 7800 Velocity Points buys a Virgin Australia Sydney-Melbourne flight

  • 1 points buys 0.5 Velocity Points; 119600 Velocity Points buys a Velocity partner Sydney-London flight

* How did we do it? Find out...

Rates

  • 20.24% p.a.

  • none

  • No current offer

  • none

  • 20.74% p.a.

  • 45

Fees

  • $150.00

  • none

  • none

  • none

  • $15.00

  • 2%, Min $2.50, Max $150

  • 3.00%

  • $7.50

  • none

  • $0.00

Other financial bits

  • $10.00

  • 2.0

Features

  • 1

  • American Express foreign transaction fee is 3.5% for transactions in foreign currency or 0% in Australian dollars.

  • none

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.

Privileges

  • Concierge
  • Travel Insurance
  • Extended Warranty
  • Purchase Protection

Special offers

  • Receive 60,000 bonus points when you spend at least $3,000 within 90 days from card approval.

Value of rewards points

  • Need to spend $32,320 (Visa) or $16,160 (Amex)

  • Need to spend $16,000 (Visa) or $8,000 (Amex)

  • Need to spend $240,000 (Visa) or $120,000 (Amex)

  • at 3,750 points monthly

  • Never

Details behind our 'value of rewards' calculations

  • 1 point per dollar on Amex, 0.5 points per dollar on Visa, up to 3750 points per month

  • 16160 points buys a Myer $100 Gift Card

  • 8000 points buys a Qantas Sydney-Melbourne flight

  • 120000 points buys a Qantas Sydney-London flight

* How did we do it? Find out...

Rates

  • 20.24% p.a.

  • none

  • No current offer

  • none

  • 20.74% p.a.

  • 45

Fees

  • $150.00

  • none

  • none

  • none

  • $15.00

  • 2%, Min $2.50, Max $150

  • 3.00%

  • $7.50

  • none

  • $0.00

Other financial bits

  • $10.00

  • 2.0

Features

  • 1

  • American Express foreign transaction fee is 3.5% for transactions in foreign currency or 0% in Australian dollars.

  • none

About Westpac

As Australia's first bank, Westpac has been serving customers since 1817! Now that Westpac has merged with St George to create Australia's largest financial services company. Westpac customers will benefit from things like being able to use both banks' ATM networks without paying any extra fees. So if you're after the security offered by a major bank, 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.

How are Westpac credit cards rated by the Mozo community?

Product Type Overall Rating Price Features Service Convenience Trust
7.2

Based on 1431
Westpac credit cards reviews

6.3 6.4 7.3 7.7 7.4

Read Westpac credit card reviews by the Mozo community

Latest reviews of Westpac Altitude Platinum

Westpac

Westpac Altitude Platinum (Altitude Rewards) credit card review

Overall rating   9 / 10

Great credit card options

Easy internet banking site and staff have always been helpful in branches.

Full review

Easy internet banking site and staff have always been helpful in branches.

    Price   5 / 10

    Features   / 10

    Customer service   / 10

    Convenience   / 10

    Trust   / 10

Less

Glynda (QLD), reviewed 5 months ago

Westpac

Westpac Altitude Platinum (Altitude Rewards) credit card review

Overall rating   10 / 10

Strong customer focus, range of products matched

Customer focussed, good products, reliable and trustworthy.

Full review

Customer focussed, good products, reliable and trustworthy.

    Price   6 / 10

    Features   / 10

    Customer service   / 10

    Convenience   / 10

    Trust   / 10

Less

Chris (VIC), reviewed 6 months ago

Westpac

Westpac Altitude Platinum (Altitude Rewards) credit card review

Overall rating   10 / 10

Online credit card application

Easy credit card application process, I receive feedback straight away and immediate service in branch when I submitted documents for credit card application. Awesome service!

Full review

Easy credit card application process, I receive feedback straight away and immediate service in branch when I submitted documents for credit card application. Awesome service!

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Virginia (WA), reviewed about 1 year ago

Westpac

Westpac Altitude Platinum (Altitude Rewards) credit card review

Overall rating   8 / 10

Credit card with varied rewards options.

Westpac Altitude Rewards is a good rewards credit card that generates points for every dollar spent. It also has bonus points elligible from some retailers. The linked American Express Card is also helpful because it generates 2 points for every...

Full review

Westpac Altitude Rewards is a good rewards credit card that generates points for every dollar spent. It also has bonus points elligible from some retailers. The linked American Express Card is also helpful because it generates 2 points for every dollar spent. Consumers need to be aware there are different levels of cards which can generate different levels of points. There is a cap each month and year for how many points each card can generate. The Altitude redemption website is easy to use and they are very prompt at dispatching items redeemed. I have had no issues with any items obtained through the rewards system. Westpac card services have been very easy to deal with over the phone. They are also very security conscious and have contacted me when there has been spending outside of my normal habits. I highly recommend this product.

    Price   7 / 10

    Features   8 / 10

    Customer service   7 / 10

    Convenience   6 / 10

    Trust   7 / 10

Less

E (NSW), reviewed over 1 year ago

Westpac

Westpac Altitude Platinum (Altitude Rewards) credit card review

Overall rating   9 / 10

Great customer service

I like the Altitude rewards points. I feel that they are honest

Full review

I like the Altitude rewards points. I feel that they are honest

    Price   9 / 10

    Features   9 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   9 / 10

Less

Winsome (WA), reviewed over 1 year ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

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