Important disclosure
Westpac Altitude Platinum (Altitude Rewards)
Bonus Points
Earn 100,000 bonus Altitude Points and reduced first year annual card fee.Earn 100,000 bonus Altitude Points when you spend $3000 on eligible purchases within 90 days of approval. Plus, a reduced first year annual card fee of $99 ($175 thereafter) Offer not available if you have held an Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas or Velocity in the last 12 months. T&Cs apply.
Purchase Rate
Purchase Rate
19.99%
p.a
Balance Transfer Rate
Balance Transfer Rate
0%
p.a
for up to 24 months, then 21.49%
Purchase Rate
19.99%
p.a
Balance Transfer Rate
0%
p.a
for up to 24 months, then 21.49%
Annual Fee
$49
for 12 months then $175 thereafter
Promoted credit cards
Promoted
Rewards Platinum
Bonus Points
80,000 extra ANZ Reward Points and $50 back to your new ANZ Rewards Platinum credit card when you spend $2,000 on eligible purchases in the first 3 months from approval.Purchase Rate
20.49%
p.a
Annual Fee
$95
Promoted
Platinum
Cashback
$250 back to your new ANZ Platinum credit card when you spend $1,500 on eligible purchases in the first 3 months from approval, plus $0 annual fee in the first year. T&Cs apply.Purchase Rate
20.49%
p.a
Annual Fee
$0
for 12 months then $87 thereafter
Pros and cons
For Altitude Platinum (Altitude Rewards)
Benefits
- Rewards Available through Westpac Altitude Rewards
- Extra 110,000 points subject to eligibility conditions
- $49 annual fee in the first 12 months and $175 p.a thereafter.
- Ability to convert large purchases into instalment plans
- Apple Pay, Google Pay and Samsung Pay available
- Domestic travel insurance
- International travel insurance
- Free supplementary cards
- Extended warranty
- Rental car excess insurance
- Concierge
- Purchase protection insurance
Drawbacks
- Higher than average ongoing variable purchase rate
- Higher than average ongoing annual fee
Westpac Rate Credit card overview
For Altitude Platinum (Altitude Rewards)
Details
Card Level Platinum | Card Type MasterCard |
Interest Free Days Interest Free Days 45 | Minimum monthly repayment 2% or $10 |
Minimum credit limit $6k | Maximum credit limit $30k |
Free supplementary cards | Instant Approval |
Target Market Determination Visit Westpac Banking Corporation Ltd to view Target Market Determination. |
Fees
Annual Fee Annual Fee $49 for 12 months then $175 thereafter | Annual Fee Spend Waiver |
Supplementary card annual fee $0 | Late Payment Fee $15 |
Over limit fee $15 | Duplicate statement fee $2 |
Electronic Wallet Service
Important Rates
Rates
Purchase Rate Purchase Rate 19.99% p.a |
Cash advance rate 21.49% p.a |
Cash advance fee 2% or $2.5 |
Balance Transfer
Balance Transfer Rate Balance Transfer Rate 0% p.a for up to 24 months, then 21.49% |
Transfer Limit 80% of the approved credit limit |
Balance Transfer Fee 1% |
Overseas spending
Foreign Exchange Fee 3% on Mastercard |
Overseas charges Overseas charges $2.5 |
Estimated ATM Cost $11.5 for AU $300 withdrawal |
Rewards
Program name Westpac Altitude Rewards |
Rewards Available Gift Card, Cash Back |
Eligibility
Minimum age 18 |
Minimum income $30k |
Eligibility conditions You have a regular, verifiable income |
Residency |
Earn Rates
| Rate | Card Type | Earns | Condition |
|---|---|---|---|
| 1 point for $1 spent | Mastercard | uncapped | eligible purchases |
Perks
- DOMESTIC TRAVEL INSURANCE
- INTERNATIONAL TRAVEL INSURANCE Available for covers up to $15,000 for loss or damage to personal property, $550 for loss or damage to travel documents and $2.5 million of personal liability cover
- FREE SUPPLEMENTARY CARDS
- EXTENDED WARRANTY Warranty is extended for the same duration as the original warranty up to 1 year.
- RENTAL CAR EXCESS INSURANCE Covers up to $5000
- CONCIERGE
- PURCHASE PROTECTION INSURANCE Cover lasts for 90 days per year
- Bonus PointsOther Earn 100,000 bonus Altitude Points and reduced first year annual card fee.Earn 100,000 bonus Altitude Points when you spend $3000 on eligible purchases within 90 days of approval. Plus, a reduced first year annual card fee of $99 ($175 thereafter) Offer not available if you have held an Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas or Velocity in the last 12 months. T&Cs apply.
Other Restrictions
To pay no interest on your balance transfer you need to pay it off before the promotional period ends. You do not receive points if your card account is in arrears for 2 consecutive statement cycles.
