Altitude Platinum (Altitude Rewards) card image

Westpac Altitude Platinum

Advertiser disclosure
The details shown below are for a card with Altitude Rewards
The details shown below are for a card with Velocity Frequent Flyer
The details shown below are for a card with Qantas Frequent Flyer

Choose the version of this credit card that suits you best

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
  • Altitude Platinum (Altitude Rewards)
    Rewards: Altitude Rewards
  • Altitude Platinum (Velocity Frequent Flyer)
    Rewards: Velocity Frequent Flyer
  • Altitude Platinum (Qantas Frequent Flyer)
    Rewards: Qantas Frequent Flyer
Purchase rate
20.99% p.a.
Balance transfer rate
No current offer
Annual fees
$175 $49 in the first year
Interest free days on purchases
45
Purchase rate
20.99% p.a.
Balance transfer rate
No current offer
Annual fees
$250 $99 in the first year
Interest free days on purchases
45
Purchase rate
20.99% p.a.
Balance transfer rate
No current offer
Annual fees
$250 $99 in the first year
Interest free days on purchases
45

Mozo editorial review Westpac Altitude Platinum - last updated: 20 June 2024

binocular icon
What's hot
  • Score up to 120,000 Altitude bonus points (spending criteria + T&C apply)
  • Score up to 70,000 bonus Qantas Frequent Flyer Points (spending criteria + T&C apply)
  • Up to 45 interest-free days on purchases
  • Complimentary travel insurance
What's not
  • 20.99% p.a. purchase rate
  • Discounted annual card fee of $49 reverts to $175 after the first year of Altitude rewards
Mozo snapshot

Heading to a store and swiping your plastic with the knowledge that your purchase will earn you a little extra something is certainly a satisfying feeling, and that’s where the Westpac Altitude Platinum comes in. On top of points earning power, the card also comes with a number of perks, including complimentary travel insurance, concierge services and purchase protection for purchases made on the card. However, the card does come with an annual fee starting from $175, but this is only $49 for the first year.

key icon
Key features

For the most part, the aim of the game with rewards credit cards is to earn points, so getting a boost when you first pick up your card can really help. You’ll be glad to hear that if you spend $3,000 on eligible purchases in the first 90 days of having the Westpac Altitude Platinum (Altitude Rewards option) you could receive up to 90,000 bonus Altitude Points. And if you keep your account open for longer than a year while still using the card, you may be eligible for an additional 30,000 bonus Altitude Points (offer terms end 31st July 2024). 

On the other hand, if you go with the Qantas Frequent Flyer option and spend at least $4,000 on eligible purchases in the first 90 days, you could earn 70,000 bonus Qantas Frequent Flyer Points (offer terms end 31st July 2024).

For frequent travellers, the Qantas Frequent Flyer version of the card lets you automatically link your credit card with your Qantas Frequent Flyer account, where you can score 0.5 Qantas points per $1 spent* on Mastercard, plus bonus points on some Qantas products and services. There is a $175 annual fee to budget for plus a $75 Qantas fee, but the annual fee is discounted to $49 in the first year.

Alternatively, if you decide to go with the Altitude Rewards option you'll still be able to transfer your points to a number of airline rewards programs, including, Air New Zealand Air Points and Enrich, or you can book through Altitude Travel. This in addition to all the gift cards and retails rewards you can pick up by cashing in your bonus points. With this option, for every $1 spent on Mastercard, you’ll earn 1 Altitude Rewards point. 

Earning points isn’t the only advantage to a rewards credit card, of course, there’s also a number of other perks, including insurance for extended warranty, purchase protection on purchases made with the card, and transit accidents. When travelling you can cash in on the complimentary travel insurance once you've spent $500 on prepaid travel costs like airline tickets or accommodation. You'll also be feeling ritzy at home with a dedicated 24/7 concierge service tending to your every whim, from organising concert tickets to making restaurant reservations.

Above and beyond all this talk of rewards and perks, the card does have some more standard features. These include a free additional cardholder so you can earn points faster, the ability to pay through Google Pay, Samsung Pay and Fitbit, a 19.99% p.a. variable purchase rate and up to 45 interest-free days.

In terms of annual fees, both options have an annual fee of $175, but are discounted to $99 in the first year. These offers are available to new cardholders who apply before 31st July 2024. Be sure to read the fine print, as other terms and conditions could apply as well.

*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.

snapshot
Who is it good for

Regular travellers who can take advantage of both the complimentary travel insurance and the points earning potential could squeeze a lot of value out of this card. 

As long as you make sure that you’re earning more value from the points than the cost of the annual fee so your spending is working in your favour, then this card could be for you.

question icon
Any catches

If you decide to go with the Qantas Frequent Flyer option of the Westpac Altitude Platinum card, be aware that each year you'll incur an additional $50 annual fee as a part of the Qantas Frequent Flyer reward program, bringing the total annual fee to $200 each year (bar the first discounted year).

Rewards program details

Rates and fees information correct as at 21 July 2024. 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

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

Spend $28,200 (Mastercard)

Spend $24,100 (Mastercard)

Spend $23,400 (Mastercard)

Spend $358,800 (Mastercard)

Uncapped

Never

How do we calculate these points?

Rate and fee details

Rates

20.99% p.a.

none

No current offer

yes

21.99% p.a.

45

Fees

$175.00

$49 in the first year

none

none

$15.00

3%

3.00%

$0.00

$0.00

$0.00

Features

$10.00

2.0

1

none

Payment options

Apple Pay, Google Wallet, Samsung Pay, Fitbit 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

Rates and fees information correct as at 21 July 2024. 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

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

Spend $39,000 (Mastercard)

Spend $15,600 (Mastercard)

Spend $239,200 (Mastercard)

Uncapped

Never

How do we calculate these points?

Rate and fee details

Rates

20.99% p.a.

none

No current offer

yes

21.99% p.a.

45

Fees

$175.00

$99 in the first year

none

$75.00

$15.00

3%

3.00%

$0.00

$0.00

$0.00

Features

$10.00

2.0

1

none

Payment options

Apple Pay, Google Wallet, Samsung 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

Rates and fees information correct as at 21 July 2024. 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

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

Spend $40,020 (Mastercard)

Spend $16,000 (Mastercard)

Spend $220,800 (Mastercard)

at $100,000 yearly

Never

How do we calculate these points?

Rate and fee details

Rates

20.99% p.a.

none

No current offer

yes

21.99% p.a.

45

Fees

$175.00

$99 in the first year

none

$75.00

$15.00

3%

3.00%

$0.00

$0.00

$0.00

Features

$10.00

2.0

1

none

Payment options

Apple Pay, Google Wallet, Samsung Pay, Fitbit 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.

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