Westpac Altitude Platinum

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 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

  • 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

20.49% p.a.

No current offer

$150

Altitude Rewards

Westpac Altitude Platinum

20.49% p.a.

No current offer

$150

Altitude Rewards

20.49% p.a.

No current offer

$200

Velocity Frequent Flyer

Westpac Altitude Platinum

20.49% p.a.

No current offer

$200

Velocity Frequent Flyer

20.49% p.a.

No current offer

$200

Qantas Frequent Flyer

Westpac Altitude Platinum

20.49% p.a.

No current offer

$200

Qantas Frequent Flyer

Mozo Review   Westpac Altitude Platinum Review

Last updated: 19 June 2019.

What's hot:
  • 60,000 bonus point if you spend $3,000 in the first 90 days

  • $0 annual fee for Altitude Rewards option in the first year ($150 after)

  • Complimentary travel insurance

What's not:
  • 20.24% purchase rate

  • $200 annual fee for Qantas Frequent Flyer option ($50 in the first year)

Mozo snapshot:

Heading to a store and swiping some 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 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 $150 (as low as $0 in the first year).

Key features:

For the most part, the aim of the game with reward credit cards is earning points, so getting a boost when you first pick up your card can really help. So you’ll be glad to hear that if you spend $3,000 in the first 90 days of having the Westpac Altitude Platinum, you’ll be eligible for an extra 60,000 bonus points.

For frequent travellers, the Qantas Frequent Flyer or Velocity Frequent Flyer versions of the card let you link your credit card with your Qantas Frequent Flyer account. On top of linking the card with your account automatically, you can score:

• 0.5 Qantas points per $1 spent, plus bonus points on some Qantas products and services when you choose Qantas Frequent Flyer. There is a $200 annual fee to budget for ($50 in the first year) which includes a $50 Qantas fee.

• 0.5 Velocity points per $1 spent, plus bonus points on some Qantas products and services when you choose Qantas Frequent Flyer. You'll pay a $150 annual fee with this one.

If you decide to go with the Altitude Rewards option you are still able to transfer your points to a number of airline rewards programs, including, Velocity, 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 you’ll earn 1 Altitude Rewards point. There’s no annual fee in the first year, but after that, keep in mind you’ll need to budget for a $150 fee to keep this card.

Earning points isn’t the only advantage to a reward credit card of course, there’s also a number of in-built perks, including extra warranty, purchase protection on purchases made with the card and a 24/7 concierge service. When travelling you can also cash in on the complimentary travel insurance that provides up to $15,000 of cover per person for loss or damage to personal property, up to $5,000 rental vehicle excess cover as specified and a limit of $2.5 million of personal liability cover, among other things. Just keep in mind that there is some criteria to activate this cover, so make sure you check the fine print.

Above and beyond all this talk of rewards and perks, the card does have some more standard features. These include a free additional card, the ability to pay through Google Pay, Samsung Pay and Fitbit, a 20.24% interest rate and up to 44 interest free days.

Who it's good for:

Frequent 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 you’re earning more value from the points than the cost of the annual fee, so your spending is working in your favour, this card could be for you.

Any catches?

If you decide to go with the Qantas Frequent Flyer option of the Westpac Altitude Platinum card be aware that each year there’s an additional $50 annual fee as apart of the Qantas Frequent Flyer reward program. This brings the total annual fee to $200 each year ($50 in the first year).

Rewards program details

Rates and fees information correct as at 22 January 2020. 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

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.

Earn 3 points per dollar spent on flights booked in Australia directly with Qantas, Jetstar, and Virgin Australia 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 80,000 bonus Altitude Points when you spend at least $3,000 within 90 days from card approval.

Value of rewards points

Spend $20,000 (Mastercard)

Spend $23,500 (Mastercard)

Spend $15,600 (Mastercard)

Spend $239,200 (Mastercard)

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
  • $150.00

  • none

  • 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 22 January 2020. 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

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 when you spend at least $3,000 within 90 days from card approval.

Value of rewards points

Spend $43,600 (Mastercard)

Spend $15,600 (Mastercard)

Spend $239,200 (Mastercard)

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
  • $200.00

  • none

  • 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 22 January 2020. 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

18,690 points

$100 Cash

-

Points earning

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

Value of rewards points

Spend $37,380 (Mastercard)

Spend $16,000 (Mastercard)

Spend $220,800 (Mastercard)

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
  • $200.00

  • none

  • 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

Latest reviews of Westpac Altitude Platinum

  • Overall 8/10
    Credit card is fine as we pay off fully each month

    We have no problem with our credit card as we pay it off each month and therefore pay no interest.

    Read full review

    We have no problem with our credit card as we pay it off each month and therefore pay no interest.

    Price
    10/10
    Features
    10/10
    Customer service
    5/10
    Convenience
    10/10
    Trust
    8/10
    Less
    Fiona, Queensland reviewed about 1 month ago
  • Overall 7/10
    Annual Fee to have this card is too high.

    Have had this card for years. Interest rate is ridiculous. Luckily I pay on time. Would change to another card, but Bank makes it too difficult. Annual rate to maintain this card is too high for what you receive.

    Read full review

    Have had this card for years. Interest rate is ridiculous. Luckily I pay on time. Would change to another card, but Bank makes it too difficult. Annual rate to maintain this card is too high for what you receive.

    Price
    4/10
    Features
    6/10
    Customer service
    7/10
    Convenience
    10/10
    Trust
    8/10
    Less
    Sandra, New South Wales reviewed about 1 month ago
  • Overall 7/10
    Good rate, easy to manage and use.

    I like it, easily manageable, good reward system. Links to accounts nicely. Never have had a problem.

    Read full review

    I like it, easily manageable, good reward system. Links to accounts nicely. Never have had a problem.

    Price
    7/10
    Features
    7/10
    Customer service
    7/10
    Convenience
    8/10
    Trust
    8/10
    Less
    Erica, Queensland reviewed about 2 months ago
  • Overall 5/10
    It works but nothing special.

    Reliable but nothing offered that sets it apart from the others.

    Read full review

    Reliable but nothing offered that sets it apart from the others.

    Price
    6/10
    Features
    5/10
    Customer service
    5/10
    Convenience
    6/10
    Trust
    4/10
    Less
    Nicole, Victoria reviewed about 2 months ago
  • Overall 9/10
    Very happy with their credit card.

    Great service and I love the Altitude reward program!

    Read full review

    Great service and I love the Altitude reward program!

    Price
    9/10
    Features
    10/10
    Customer service
    9/10
    Convenience
    10/10
    Trust
    9/10
    Less
    Cathy, Victoria reviewed 2 months ago
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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