Westpac Altitude Rewards Platinum (existing customers)
$49 first year annual fee
75,000 points
$3,000 min limit
$30,000 annual income required
1.25 points per dollar
Spend $3,000 in 90 days
Summary
Low Fee
Key Highlights
- • 75,000 bonus points
- • $49 annual fee
- • 1.25x points per $1
Offer Details
First Year Points
75,000 points
Westpac
Second Year Points
25,000 points
With $175 annual fee
Minimum Spend
$3,000
within 3 months
Ongoing Earn Rate
1.25x points per $1 spent
Fees
First Year Annual Fee
$49
Ongoing Annual Fee
$175
From year 2 onwards
Note: Additional fees may apply for cash advances, foreign transactions, overlimits, and late payments. Check the issuer's terms and conditions for complete fee details.
Benefits
Travel Insurance
Up to 6 months complimentary International Travel Insurance cover when eligibility criteria are met, including prepaying $500 of travel costs and holding a return overseas ticket before departing Australia.
Rental Vehicle Insurance
Rental Vehicle Excess cover in Australia included as part of complimentary insurances.
Extended Warranty Insurance
Up to 24 months extended warranty insurance cover in addition to the manufacturer's Australian warranty on eligible purchases made with the card.
Purchase Protection Insurance
Up to 4 months Purchase Protection Insurance on eligible purchases made with the card.
Transit Accident Insurance
Overseas Transit Accident Insurance covers accidental death or injury when traveling overseas as a passenger on plane, bus, train or shorthaul ferry with tickets purchased using the card.
Buy Now Pay Later
PartPay feature allows splitting purchases into 4 payments over 6 weeks on the credit card account.
No Additional Cardholder Fee
Add 1 additional cardholder aged 16 years or older at no extra cost.
Digital Wallet Integration
Card can be added to Apple Pay, Samsung Pay, and Google Pay digital wallets.
Digital Card Issuance
Instant Digital Card available from account opening before physical card arrives.
Interest Free Periods
Up to 45 days interest-free period on purchases when closing balance or monthly payment balance is paid in full by due date; excludes cash advances.
Expert Analysis
Bonus Difficulty
Easy
●○○$33 per day required
First Year Cost
$49
annual fee
Earn Rate
Average
●●○○1.25x Westpac points per $1
RWRDS Insight
This analysis is generated using RWRDS algorithms based on current market data, bonus structures, and fee schedules. Values are estimates and actual results may vary. Consider your spending patterns and reward preferences when evaluating offers.
I'd like to use my 78,750 bonus points for:
$271 of profit after meeting spend requirements
+ $320 Woolworths gift cards
- $49
annual fee
$200
x 1
$100
x 1
$20
x 1
in Woolworths gift cards, $320 total, with 3,550 points remaining.
$100
x 2
$50
x 1
in Cashback , $250 total, with 8,250 points remaining.
