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
OzBargain discussion for this card
Summary
Low Fee
Key Highlights
- • 75,000 bonus points
- • $99 annual fee
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
1.00x 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.
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
$99
annual fee
Earn Rate
Average
●●○○1.00x 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 78,000 bonus points for:
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 31/07/242 years ago
- Expiration changed from 01/11/23 to 30/04/24, Bonus from 100k to 90k, Annual Fee from $99 to $492 years ago
- Second year annual fee increased from $150 to $1753 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.html3 years ago
- Offer extended to 29th June 2023, annual fee increased from $49 to $99, bonus lowered from 110k to 100k3 years ago
- Offer extended from 30/06/22 to 31/12/224 years ago
- Bonus reduced from 130k to 110k, offer extended rto 30/06/224 years ago
