Westpac Altitude Platinum Credit Card Review, Earn Up to 120,000 Bonus Points and Travel Perks
Make the most of the Westpac Altitude Platinum, claim up to 120,000 bonus Altitude Points, maximise earn rates and enjoy travel insurance and perks made for Australians
Quick card overview for Australians
The Westpac Altitude Platinum Credit Card is a popular choice for Aussies who want flexible rewards and travel-friendly benefits. New cardholders can earn up to 120,000 bonus Altitude Points by meeting the spend requirements in the promotional periods.
This card combines a competitive earn structure with travel insurance and mobile wallet support, making it a practical everyday card for people who travel domestically and internationally. If you’re looking to stack points and enjoy peace of mind when travelling, this card deserves a close look.
Rewards structure and where you earn most
With the Westpac Altitude Platinum Credit Card you’ll typically earn up to 3 Altitude Points per $1 on select flight bookings, 2 points per $1 on overseas spend and partner services, and 1 point per $1 on other eligible purchases. The points are uncapped, so regular spend equals steady rewards accrual.
Altitude Points are redeemable for flights, gift cards, cashback and transfers to partner frequent flyer programs. Focusing spend on the higher-earning categories like Qantas or Jetstar bookings and eligible overseas transactions will fast-track your rewards balance.
Fees, insurance and real-world costs
Intro offers can be tempting: the Westpac Altitude Platinum Credit Card often waives or reduces the first-year annual fee (for example $49 in some promos) before reverting to a standard fee around $175 per year. Be mindful of the variable purchase rate, commonly near 19.99% p.a., and the cash advance rate if you use that facility.
The card also includes complimentary travel insurance covers, purchase protection and extended warranty benefits that add tangible value for frequent travellers. These protections can save you money and hassle, but always read the Product Disclosure Statement to confirm eligibility and limits.
How to apply and tips to maximise your points
Applying for the Westpac Altitude Platinum Credit Card is straightforward online; ensure you meet eligibility criteria like residency, minimum income and the “new customer” requirement if you want the bonus Altitude Points. Have ID and income proof ready to speed up approval.
To get the most from this card, plan your spend to hit bonus thresholds within the promotional window, use the card for travel and partner services, and redeem points strategically—transferring to frequent flyer programs can often unlock better value for flights. Set up automatic payments to avoid interest and maintain the full interest-free period on purchases.