Westpac Altitude Platinum

The details shown below are for a card with Altitude Rewards

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

Choose the version of credit card that suits you best

  • Altitude Platinum (Altitude Rewards)

    Rewards: Altitude Rewards

  • Altitude Platinum (Qantas Frequent Flyer)

    Rewards: Qantas Frequent Flyer

20.24% p.a.

No current offer

$150 $0 in the first year

Altitude Rewards

Westpac Altitude Platinum

20.24% p.a.

No current offer

$150 $0 in the first year

Altitude Rewards

20.24% p.a.

No current offer

$200 $50 in the first year

Qantas Frequent Flyer

Westpac Altitude Platinum

20.24% p.a.

No current offer

$200 $50 in the first year

Qantas Frequent Flyer

Rewards program details

Rates and fees information correct as at 19 September 2018.

What your points get you

Fly Sydney to London

239,200 points

Fly Sydney to Melbourne

15,600 points

$100 Giftcard

23,500 points

$100 Cash

20,000 points

Points earning

1 point per dollar on Visa, 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 Velocity, Air New Zealand Air Points, Enrich or Krisflyer programs, or by booking through Altitude Travel.

Special offers

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

Value of rewards points

Spend $20,000 (Visa)

Spend $23,500 (Visa)

Spend $15,600 (Visa)

Spend $239,200 (Visa)

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
  • 20.24% p.a.

  • none

  • No current offer

  • none

  • 20.74% p.a.

  • 45

Fees
  • $150.00

  • $0 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

Rewards privileges

Concierge,
Travel Insurance,
Extended Warranty,
Purchase Protection

Rewards program details

Rates and fees information correct as at 19 September 2018.

What your points get you

Fly Sydney to London

120,000 points

Fly Sydney to Melbourne

8,000 points

$100 Giftcard

16,160 points

$100 Cash

-

Points earning

0.5 points per dollar on Visa, 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 60,000 bonus Qantas Points when you spend at least $3,000 within 90 days from card approval.

Value of rewards points

Spend $32,320 (Visa)

Spend $16,000 (Visa)

Spend $240,000 (Visa)

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
  • 20.24% p.a.

  • none

  • No current offer

  • none

  • 20.74% p.a.

  • 45

Fees
  • $200.00

  • $50 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

Rewards privileges

Concierge,
Travel Insurance,
Extended Warranty,
Purchase Protection

Customer Reviews

How are Westpac credit cards rated by the Mozo community?

Overall customer rating
7.2/10
Price
6.3/10
Features
6.4/10
Customer service
7.3/10
Convenience
7.7/10
Trust
7.4/10

Latest reviews of Westpac Altitude Platinum

  • Overall
    9/10
    A good bank to deal with

    A good product with a reasonable rewards program.

    A good product with a reasonable rewards program.

    Price
    9/10
    Features
    8/10
    Customer service
    -1/10
    Convenience
    10/10
    Trust
    10/10

    Shirley | VIC

    26 Feb 2018

  • Overall
    9/10
    Great credit card options

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

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

    Price
    5/10
    Features
    -
    Customer service
    -
    Convenience
    -
    Trust
    -

    Glynda | QLD

    05 Jul 2017

  • Overall
    10/10
    Strong customer focus, range of products matched

    Customer focussed, good products, reliable and trustworthy.

    Customer focussed, good products, reliable and trustworthy.

    Price
    6/10
    Features
    -
    Customer service
    -
    Convenience
    -
    Trust
    -

    Chris | VIC

    30 Jun 2017

  • Overall
    10/10
    Online credit card application

    Easy credit card application process, I receive feedback straight away and immediate service in...

    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

    Virginia | WA

    27 Oct 2016

  • Overall
    8/10
    Credit card with varied rewards options.

    Westpac Altitude Rewards is a good rewards credit card that generates points for every dollar...

    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

    E | NSW

    26 Jul 2016

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.

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