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
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 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 $150.
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 (Altitude Rewards option) you’ll be eligible for 80,000 bonus Altitude Points. On the other hand, if you go with the Qantas Frequent Flyer option and spend at least $3,000 in the first 90 days, you could earn 60,000 bonus Qantas Frequent Flyer Points (offer terms end August 5 2020) or 60,000 bonus Velocity Frequent Flyer Points if you go with the Velocity Frequent Flyer option.
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 $200 annual fee to budget for, which includes a $50 Qantas fee.
If you choose the Velocity Frequent Flyer option, you could earn 0.5 Velocity Points per $1 spent on Mastercard, which is automatically credited to the Velocity Frequent Flyer program, thus all rewards are then redeemed via Velocity Frequent Flyer.
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 20.49% p.a. purchase rate and up to 45 interest-free days.
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.
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 apart of the Qantas Frequent Flyer reward program, bringing the total annual fee to $200 each year.
Fly Sydney to London return
212,000 points
Fly Sydney to Melbourne one-way
-
$100 Giftcard
23,500 points
$100 Cash
20,000 points
1 point per dollar on Mastercard, uncapped
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.
Receive 80,000 bonus Altitude Points when you spend at least $3,000 within 90 days from card approval.
Spend $20,000 (Mastercard)
Spend $23,500 (Mastercard)
Spend $212,000 (Mastercard)
Uncapped
Never
How do we calculate these points?
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.
20.49% p.a.
none
No current offer
none
21.49% p.a.
45
$150.00
none
none
none
$15.00
2%, Min $2.50, Max $150
3.00%
$2.00
none
$0.00
$10.00
2.0
1
none
Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Travel,
Insurance,
Extended,
Warranty,
Purchase,
Protection
Fly Sydney to London return
119,600 points
Fly Sydney to Melbourne one-way
7,800 points
$100 Giftcard
21,800 points
$100 Cash
-
0.5 points per dollar on Mastercard, uncapped
Points are automatically credited to the Velocity Frequent Flyer program.
All rewards are redeemed via Velocity Frequent Flyer.
Receive 60,000 bonus Velocity Frequent Flyer Points when you spend at least $3,000 within 90 days from card approval.
Spend $43,600 (Mastercard)
Spend $15,600 (Mastercard)
Spend $239,200 (Mastercard)
Uncapped
Never
How do we calculate these points?
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.
20.49% p.a.
none
No current offer
none
21.49% p.a.
45
$200.00
none
none
none
$15.00
2%, Min $2.50, Max $150
3.00%
$2.00
none
$0.00
$10.00
2.0
1
none
Google Pay, Samsung Pay, Fitbit, Garmin Pay
Travel,
Insurance,
Extended,
Warranty,
Purchase,
Protection
Fly Sydney to London return
110,400 points
Fly Sydney to Melbourne one-way
8,000 points
$100 Giftcard
18,010 points
$100 Cash
-
0.5 points per dollar on Mastercard, uncapped
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.
Receive 60,000 bonus Qantas Points when you spend at least $3,000 within 90 days from card approval.
Spend $36,020 (Mastercard)
Spend $16,000 (Mastercard)
Spend $220,800 (Mastercard)
Uncapped
Never
How do we calculate these points?
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.
20.49% p.a.
none
No current offer
none
21.49% p.a.
45
$200.00
none
none
none
$15.00
2%, Min $2.50, Max $150
3.00%
$2.00
none
$0.00
$10.00
2.0
1
none
Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Travel,
Insurance,
Extended,
Warranty,
Purchase,
Protection
I've been with them for decades and they have always been helpful. I had one experience when my card was scammed. The bank rang me to tell me and completely fixed the problem and I got my money back.
Read full reviewI've been with them for decades and they have always been helpful. I had one experience when my card was scammed. The bank rang me to tell me and completely fixed the problem and I got my money back.
Easy to use, good customer service and plenty of ATMs.
Read full reviewEasy to use, good customer service and plenty of ATMs.
Low rewards points, short interest free period. At least they have a low annual fee.
Read full reviewLow rewards points, short interest free period. At least they have a low annual fee.
I can only speak very highly of Westpac platinum card. This card includes complementary travel insurance. During this Coronavirus outbreak it has been necessary for the very first time to make a claim. The bank consultant helped me lodge the claim and I have had constant follow up with the progress. I have several accounts with Westpac and always been happy.
Read full reviewI can only speak very highly of Westpac platinum card. This card includes complementary travel insurance. During this Coronavirus outbreak it has been necessary for the very first time to make a claim. The bank consultant helped me lodge the claim and I have had constant follow up with the progress. I have several accounts with Westpac and always been happy.
Interest rates are too high.
Read full reviewInterest rates are too high.
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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0.75 points uncapped
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1 point uncapped
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No current offer
1 point up to $10,000/month
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50,000
2 points uncapped
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19.99% p.a.
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2.99% p.a. for 9 months and then 12.99% p.a. (0% balance transfer fee)
$79
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0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)
$59
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11.99% p.a.
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$0
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19.99% p.a.
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$299 $199 in the first year
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Breeze Mastercard
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2.99% p.a. for 9 months and then 12.99% p.a. (0% balance transfer fee)
$79
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17.99% p.a.
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0% p.a. for 6 months then 12.99% p.a.
0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)
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2.99% p.a. for 9 months and then 12.99% p.a. (0% balance transfer fee)
$99
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