Rewards program details

What your points get you

Fly Sydney to London return

358,800 points

Fly Sydney to Melbourne one-way

23,400 points

$100 Giftcard

24,100 points

$100 Cash

28,200 points

Points earning

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.

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

Earn 3 points per dollar spent on flights booked in Australia directly with selected airlines up to $10,000 points per month. Earn 2 points per dollar spent at Spotify Premium, Airbnb, Uber and Uber Eats, and overseas transactions.

Special offers

Receive up to 120,000 bonus Altitude Points. 90,000 points when you spend at least $3,000 within 90 days from card approval and an additional 30,000 bonus points when you make your first eligible purchase in year 2.

Value of rewards points

Earn $100 cash back reward

Spend $28,200 (Mastercard)

Earn $100 gift card reward

Spend $24,100 (Mastercard)

Earn domestic flight: Sydney-Melbourne one-way reward

Spend $23,400 (Mastercard)

Earn international flight: Sydney-London return reward

Spend $358,800 (Mastercard)

Are points capped?

Uncapped

Do points expire?

Never

How do we calculate these points?

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.

Rate and fee details

Rates

Purchase rate	20.99% p.a.
Intro purchase rate	none
Balance transfer rate	No current offer
Balance transfer revert to cash	yes
Cash advance rate	21.99% p.a.
Interest free days on purchases	45

Fees

Annual card fee	$175.00
Introductory annual fee	$49 in the first year
Annual fee spend threshold	none
Reward program fee	none
Late payment fee	$15.00
Cash advance fee	3%
Foreign exchange margin	3.00%
Duplicate statement fee	$0.00
Transaction verification fee	$0.00
Additional card fee	$0.00

Features

Minimum repayment amount	$10.00
Minimum repayment percent	2.0
Additional cardholders	1
Other restrictions	none

Payment options

Apple Pay, Google Wallet, Samsung Pay, Garmin Pay

Rewards privileges

Travel Insurance,
Extended Warranty,
Purchase Protection

Other benefits

First Year Annual Card Fee waived for existing Westpac customers who apply and are approved by 31st July 2024. PartPay available.

Rewards program details

What your points get you

Fly Sydney to London return

119,600 points

Fly Sydney to Melbourne one-way

7,800 points

$100 Giftcard

19,500 points

$100 Cash

Points earning

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 60,000 bonus Velocity Frequent Flyer Points in year 1 when you spend at least $4,000 within 90 days from card approval, and an extra 20,000 points after your first eligible purchase in year 2.

Value of rewards points

Earn $100 gift card reward

Spend $39,000 (Mastercard)

Earn domestic flight: Sydney-Melbourne one-way reward

Spend $15,600 (Mastercard)

Earn international flight: Sydney-London return reward

Spend $239,200 (Mastercard)

Are points capped?

Uncapped

Do points expire?

Never

How do we calculate these points?

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.

Rate and fee details

Rates

Purchase rate	20.99% p.a.
Intro purchase rate	none
Balance transfer rate	No current offer
Balance transfer revert to cash	yes
Cash advance rate	21.99% p.a.
Interest free days on purchases	45

Fees

Annual card fee	$175.00
Introductory annual fee	$119 in the first year
Annual fee spend threshold	none
Reward program fee	$75.00
Late payment fee	$15.00
Cash advance fee	3%
Foreign exchange margin	3.00%
Duplicate statement fee	$0.00
Transaction verification fee	$0.00
Additional card fee	$0.00

Features

Minimum repayment amount	$10.00
Minimum repayment percent	2.0
Additional cardholders	1
Other restrictions	none

Payment options

Apple Pay, Google Wallet, Samsung Pay, Garmin Pay

Rewards privileges

Travel Insurance,
Extended Warranty,
Purchase Protection

Other benefits

2 complimentary Economy X Seat Upgrade Vouchers each year to use on selected domestic Virgin Australia flights. $49 First Year Annual Card Fee for Westpac existing customers who apply and are approved by 31st July 2024.

Rewards program details

What your points get you

Fly Sydney to London return

110,400 points

Fly Sydney to Melbourne one-way

8,000 points

$100 Giftcard

20,010 points

$100 Cash

Points earning

0.5 points per dollar on Mastercard, up to $100,000 per year

Rewards scheme

Earn 0.5 Qantas points per $1 up to a maximum of $100,000 spent on eligible purchases annually. Bonus Qantas points not included in the cap. 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 70,000 bonus Qantas Points when you spend at least $6,000 within 120 days from card approval.

Value of rewards points

Earn $100 gift card reward

Spend $40,020 (Mastercard)

Earn domestic flight: Sydney-Melbourne one-way reward

Spend $16,000 (Mastercard)

Earn international flight: Sydney-London return reward

Spend $220,800 (Mastercard)

Are points capped?

at $100,000 yearly

Do points expire?

Never

How do we calculate these points?

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.

Rate and fee details

Rates

Purchase rate	20.99% p.a.
Intro purchase rate	none
Balance transfer rate	No current offer
Balance transfer revert to cash	yes
Cash advance rate	21.99% p.a.
Interest free days on purchases	45

Fees

Annual card fee	$175.00
Introductory annual fee	$119 in the first year
Annual fee spend threshold	none
Reward program fee	$75.00
Late payment fee	$15.00
Cash advance fee	3%
Foreign exchange margin	3.00%
Duplicate statement fee	$0.00
Transaction verification fee	$0.00
Additional card fee	$0.00

Features

Minimum repayment amount	$10.00
Minimum repayment percent	2.0
Additional cardholders	1
Other restrictions	none

Payment options

Apple Pay, Google Wallet, Samsung Pay, Garmin Pay

Rewards privileges

Travel Insurance,
Extended Warranty,
Purchase Protection

Other benefits

$49 First Year Annual Card Fee for Westpac existing customers who apply and are approved by 31st July 2024.

Customer Reviews

How are Westpac credit cards rated by the Mozo community?

Overall

7.3/10

Price

5.9/10

Features

6.0/10

Customer service

6.9/10

Convenience

7.6/10

Trust

7.0/10

Based on 4737 Westpac credit card reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.

Latest reviews of Westpac Altitude Platinum Credit Card

Great app and service

I love the app. Of all the banks I’ve been with, Westpac’s app is the easiest and most enjoyable to work with. I also was very pleased with the service I received from the staff in the branch when I had a problem. They went above and beyond to help resolve the problem and were very patient with me.
Read full review

I love the app. Of all the banks I’ve been with, Westpac’s app is the easiest and most enjoyable to work with. I also was very pleased with the service I received from the staff in the branch when I had a problem. They went above and beyond to help resolve the problem and were very patient with me.

Price

9/10

Features

9/10

Customer service

8/10

Convenience

10/10

Trust

10/10

Less

Rachael, Queensland reviewed 5 months ago
Do your homework on all banks

I have been with Westpac for over 35 years and at the start they would look after their customers with advise and information but since the closures of branches their is no more bank managers that know you. As a 20 year old I would walk into the local branch and the manager would say hello and have a conversation. Now we don't have the personal touch its about their profits. Its about charging the maximum on credit cards, not giving a higher interest to savings. Banks don't really care
Read full review

I have been with Westpac for over 35 years and at the start they would look after their customers with advise and information but since the closures of branches their is no more bank managers that know you. As a 20 year old I would walk into the local branch and the manager would say hello and have a conversation. Now we don't have the personal touch its about their profits. Its about charging the maximum on credit cards, not giving a higher interest to savings. Banks don't really care

Price

1/10

Features

4/10

Customer service

4/10

Convenience

10/10

Trust

3/10

Less

Susanne, Victoria reviewed 10 months ago
Terrible experience

Terrible and rude customer service. Gave them all the documentation they required for a credit card application which I am more than qualified for in terms of income, no debts great credit score. But their demands were unreasonable including providing a notice of assessment for this years tax return which the ATO has not even requested lodgement for yet. Then after multiple calls and providing other documentation, got some standardised email that my application was rejected. Waste of my time and certainly won’t be banking with them.
Read full review

Terrible and rude customer service. Gave them all the documentation they required for a credit card application which I am more than qualified for in terms of income, no debts great credit score. But their demands were unreasonable including providing a notice of assessment for this years tax return which the ATO has not even requested lodgement for yet. Then after multiple calls and providing other documentation, got some standardised email that my application was rejected. Waste of my time and certainly won’t be banking with them.

Price

1/10

Features

1/10

Customer service

1/10

Convenience

1/10

Trust

1/10

Less

David, Queensland reviewed about 3 years ago
Best support with attached travel agents.

I love the hassle free help line in using my attached travel agent and when crediting flights was easy and hassle free.
Read full review

I love the hassle free help line in using my attached travel agent and when crediting flights was easy and hassle free.

Price

10/10

Features

10/10

Customer service

10/10

Convenience

10/10

Trust

10/10

Less

Matthew, Queensland reviewed over 3 years ago
Happy with the devil I know.

I have been with bank for more than 40 years and I value loyalty. I have no reason to change for small differences offered by other cards / banks.
Read full review

I have been with bank for more than 40 years and I value loyalty. I have no reason to change for small differences offered by other cards / banks.

Price

8/10

Features

-1/10

Customer service

8/10

Convenience

9/10

Trust

8/10

Less

Michael, Victoria reviewed over 3 years ago

See all Westpac credit card customer reviews

About Westpac

Qantas Discovery Card

Purchase rate

23.99% p.a.

Balance transfer rate

No current offer

Annual fee

Rewards program

Qantas Frequent Flyer

Go to site

American Express

Low Rate Credit Card

Purchase rate

10.99% p.a.

Balance transfer rate

No current offer

Annual fee

Rewards program

Go to site

Citi

Rewards Credit Card

Purchase rate

0% p.a. for 15 months then 21.49% p.a.

Balance transfer rate

0% p.a. for 15 months and then 22.24% p.a.

Annual fee

$199

Rewards program

Citi Rewards Program

American Express

Qantas Ultimate Card

Rewards program

Qantas Frequent Flyer

Annual fee

$450

Bonus points

50,000

Earn rate per $1

1.25 points up to 100,000 points/year, then
1 point uncapped

Go to site

G&C Mutual Bank

Platinum Visa Credit Card

Rewards program

Qantas Frequent Flyer

Annual fee

$299

Bonus points

30,000

Earn rate per $1

1 point up to 20,000 points/month

NAB

Qantas Rewards Premium Card

Rewards program

Qantas Frequent Flyer

Annual fee

$250 $150 in the first year

Bonus points

70,000

Earn rate per $1

0.66 points up to $3,000/month, then
0.33 points up to $6,000/month

American Express

Qantas Premium Card

Rewards program

Qantas Frequent Flyer

Annual fee

$249

Bonus points

20,000

Earn rate per $1

1 point uncapped

NAB

Rewards Signature Card

Rewards program

NAB Rewards

Annual fee

$295 $145 in the first year

Bonus points

180,000

Earn rate per $1

1.25 points uncapped

American Express

Qantas Discovery Card

Rewards program

Qantas Frequent Flyer

Annual fee

Bonus points

No current offer

Earn rate per $1

0.75 points uncapped

Go to site

American Express

Velocity Escape Card

Rewards program

Velocity Frequent Flyer

Annual fee

Bonus points

No current offer

Earn rate per $1

0.75 points uncapped

NAB

Qantas Rewards Signature Card

Rewards program

Qantas Frequent Flyer

Annual fee

$395 $295 in the first year

Bonus points

120,000

Earn rate per $1

1 point up to $5,000/month, then
0.5 points up to $20,000/month

NAB

Low Rate Card

Balance transfer rate

0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)

Purchase rate

13.49% p.a.

Annual fee

$59 $0 in the first year

Rewards program

Go to site

Citi

Premier Credit Card

Balance transfer rate

0% p.a. for 6 months and then 22.24% p.a.

Purchase rate

21.49% p.a.

Annual fee

$300 $150 in the subsequent years if you spend $48,000 on eligible purchases or cash advances in previous year., $150 in the first year

Rewards program

Citi Rewards Program

Bank of Queensland

Blue Visa Credit Card

Balance transfer rate

0% p.a. for 9 months and then 21.74% p.a.

Purchase rate

0% p.a. for 9 months then 20.74% p.a.

Annual fee

$60

Rewards program

Q Rewards

Virgin Money

Virgin Australia Velocity Flyer Card - Balance Transfer Offer

Balance transfer rate

0% p.a. for 24 months and then 20.99% p.a.

Purchase rate

20.74% p.a.

Annual fee

$149 $0 in the first year

Rewards program

Velocity Frequent Flyer

Bankwest

More Mastercard

Balance transfer rate

0% p.a. for 6 months and then 19.99% p.a. (1.00% balance transfer fee)

Purchase rate

19.99% p.a.

Annual fee

$100

Rewards program

Bankwest More Rewards

NAB

Low Rate Card

Purchase rate

13.49% p.a.

Balance transfer rate

0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)

Annual fee

$59 $0 in the first year

Go to site

American Express

Low Rate Credit Card

Purchase rate

10.99% p.a.

Balance transfer rate

No current offer

Annual fee

Go to site

HSBC

Low Rate Credit Card

Purchase rate

12.99% p.a.

Balance transfer rate

0% p.a. for 12 months and then 25.99% p.a. (2.00% balance transfer fee)

Annual fee

$99

Australian Unity

Low Rate Visa Credit Card

Purchase rate

9.90% p.a.

Balance transfer rate

No current offer

Annual fee

$59

MOVE Bank

Low Rate Credit Card

Purchase rate

8.99% p.a.

Balance transfer rate

0% p.a. for 6 months and then 8.99% p.a.

Annual fee

$59 $0 in the first year

NAB

Low Rate Card

Purchase rate

13.49% p.a.

Balance transfer rate

0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)

Annual fees

$59 $0 in the first year

Go to site

American Express

Low Rate Credit Card

Purchase rate

10.99% p.a.

Balance transfer rate

No current offer

Annual fees

Go to site

Citi

Rewards Credit Card

Purchase rate

0% p.a. for 15 months then 21.49% p.a.

Balance transfer rate

0% p.a. for 15 months and then 22.24% p.a.

Annual fees

$199

Citi

Clear Credit Card - BT Offer

Purchase rate

14.99% p.a.

Balance transfer rate

0% p.a. for 24 months and then 22.24% p.a. (3.00% balance transfer fee)

Annual fees

$99 $49 in the first year

HSBC

Low Rate Credit Card

Purchase rate

12.99% p.a.

Balance transfer rate

0% p.a. for 12 months and then 25.99% p.a. (2.00% balance transfer fee)

Annual fees

$99

Australian Unity

Low Rate Visa Credit Card

Purchase rate

9.90% p.a.

Balance transfer rate

No current offer

Annual fees

$59

MOVE Bank

Low Rate Credit Card

Purchase rate

8.99% p.a.

Balance transfer rate

0% p.a. for 6 months and then 8.99% p.a.

Annual fees

$59 $0 in the first year

Bank of Queensland

Blue Visa Credit Card

Purchase rate

0% p.a. for 9 months then 20.74% p.a.

Balance transfer rate

0% p.a. for 9 months and then 21.74% p.a.

Annual fees

$60

	Name	Rewards program
	Altitude Platinum (Altitude Rewards)	Altitude Rewards
	Altitude Platinum (Velocity Frequent Flyer)	Velocity Frequent Flyer
	Altitude Platinum (Qantas Frequent Flyer)	Qantas Frequent Flyer

Westpac Altitude Platinum

Rewards program details

What your points get you

Fly Sydney to London return

Fly Sydney to Melbourne one-way

$100 Giftcard

$100 Cash

Points earning

Rewards scheme

Special offers

Value of rewards points

How do we calculate the rewards?

Rate and fee details

Rates

Fees

Features

Payment options

Rewards privileges

Other benefits

Rewards program details

What your points get you

Fly Sydney to London return

Fly Sydney to Melbourne one-way

$100 Giftcard

$100 Cash

Points earning

Rewards scheme

Special offers

Value of rewards points

How do we calculate the rewards?

Rate and fee details

Rates

Fees

Features

Payment options

Rewards privileges

Other benefits

Rewards program details

What your points get you

Fly Sydney to London return

Fly Sydney to Melbourne one-way

$100 Giftcard

$100 Cash

Points earning

Rewards scheme

Special offers

Value of rewards points

How do we calculate the rewards?

Rate and fee details

Rates

Fees

Features

Payment options

Rewards privileges

Other benefits

Customer Reviews

How are Westpac credit cards rated by the Mozo community?

Overall

Latest reviews of Westpac Altitude Platinum Credit Card

Great app and service

Do your homework on all banks

Terrible experience

Best support with attached travel agents.

Happy with the devil I know.

About Westpac

NAB

American Express

American Express

American Express

American Express

American Express

American Express

Citi

American Express

G&C Mutual Bank

NAB

American Express

NAB

American Express

American Express