Image of Westpac Altitude Rewards Platinum credit card

Westpac Altitude Rewards Platinum

$99 first year annual fee
75,000 points
$3,000 min limit
$30,000 annual income required
1.00 points per dollar
Spend $3,000 in 90 days

Offer Details

Low FeeOffer Ended

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

1.00x points per $1 spent

Fees

First Year Annual Fee

$99

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.

I'd like to use my bonus for:

CraigCraig's Analysis

Bonus Difficulty

Easy

●○○

$33 per day required

First Year Cost

$99

annual fee

Earn Rate

Average

●●○○

1.00x Westpac points per $1

Did this help you make a decision?

$221 of profit after meeting spend requirements
+ $320 Woolworths gift cards
- $99
annual fee

$200
x 1
$100
x 1
$20
x 1
in Woolworths gift cards, $320 total, with 2,800 points remaining.
$100
x 2
$50
x 1
in Cashback , $250 total, with 7,500 points remaining.
OzBargain discussion for this card


History
23 Jan 2026
0 changes
20 Jan 2026
0 changes
20 Jan 2026
1 changes
Points Per Dollar:
1.251.00
23 Sep 2025
3 changes
Bonus:
90,00075,000
Second Year Bonus:
30,00025,000
Points Per Dollar:
1.001.25
26 Jun 2025
2 changes
Program Fee:
$0
Minimum Credit Limit:
6,0003,000
20 Mar 2025
3 changes
Expiration Date:
30 Apr 2025
Program Fee:
$0
Interest Rate:
20.0020.99
1 Nov 2024
2 changes
Expiration Date:
30 Oct 202430 Apr 2025
Annual Fee:
$49$99
  • Expiration changed from 30/04/24 to 31/07/24
    2 years ago
  • Expiration changed from 01/11/23 to 30/04/24, Bonus from 100k to 90k, Annual Fee from $99 to $49
    3 years ago
  • Second year annual fee increased from $150 to $175
    3 years ago
  • Offer end date changed to 14th June 2023 due to fee changes https://www.westpac.com.au/content/public/wbc/en/personal-banking/credit-cards/reward/reward-card-changes.html
    3 years ago
  • Offer extended to 29th June 2023, annual fee increased from $49 to $99, bonus lowered from 110k to 100k
    3 years ago
  • Offer extended from 30/06/22 to 31/12/22
    4 years ago
  • Bonus reduced from 130k to 110k, offer extended rto 30/06/22
    4 years ago
Craig

Something out of date? Let me know on Instagram, Facebook, or email and I'll fix it ASAP.

— Craig