Altitude Platinum Card

Our platinum credit card has a lower annual fee and the ability to earn points. Enjoy travel related benefits designed to make your journey safe and convenient.

Important notice

From 1 October 2026, we’re making changes to the Westpac Credit Cards Complimentary Insurance Policy. Find out more

Find a reward program that's right for you

• Offer
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Altitude Qantas Platinum

Earn Qantas Points directly to your Qantas Frequent Flyer account and enjoy Platinum credit card benefits.
Offer Rates Features
You could earn up to 100,000 bonus Qantas Points.
Already with Westpac? Sign in to apply and get a $99 first year card fee (reverts to $175 p.a. thereafter).
Offer not available if you’ve held a Westpac credit card in the last 24 months. New cards only. Credit criteria and T&Cs apply.

• Variable purchase rate - 23.98% p.a.
• Variable cash advance rate - 23.99% p.a.
• Annual card fee - $175
• Annual Altitude Qantas Rewards Program fee - $125
• Minimum credit limit - $3,000
• Minimum income - $30,000 p.a.
• Earn up to 0.75 Qantas Points per $1 spent on eligible purchases
• Plus earn 1 bonus Qantas Point per $1 spent on selected Qantas products and services in Australia
• Complimentary International Medical Travel Insurance,Complimentary Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia
  Apply now Find out more
• Offer
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Altitude Rewards Platinum

Enjoy Platinum Card benefits and the flexibility of Altitude Rewards. Choose from gift cards, merchandise or our unique 'Pay with Points’ feature.
Offer Rates Features
You could earn up to 100,000 bonus Altitude Points plus a $99 first year card fee (reverts to $175 p.a. thereafter).
Already with Westpac? Sign in to apply and get a $49 first year card fee (reverts to $175 p.a. thereafter).
Offer not available if you’ve held a Westpac credit card in the last 24 months. New cards only. Credit criteria and T&Cs apply.

• Variable purchase rate - 23.98% p.a.
• Variable cash advance rate - 23.99% p.a.
• Annual card fee - $175
• Annual Altitude Rewards Program fee - $75
• Minimum credit limit - $3,000
• Minimum income - $30,000 p.a.
• Earn up to 2 Altitude Points per $1 spent on eligible purchases
• Complimentary International Medical Travel Insurance and Complimentary Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia
  Apply now Find out more
• Offer
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Altitude Velocity Platinum

Earn Velocity Points directly into your Velocity Frequent Flyer account and enjoy Platinum credit card benefits.
Offer Rates Features
You could earn up to 100,000 bonus Velocity Points.
Already with Westpac? Sign in to apply and get a $99 first year card fee (reverts to $175 p.a. thereafter).
Offer not available if you’ve held a Westpac credit card in the last 24 months. New cards only. Credit criteria and T&Cs apply.

• Variable purchase rate - 23.98% p.a.
• Variable cash advance rate - 23.99% p.a.
• Annual card fee - $175
• Annual Altitude Velocity Rewards Program fee - $125
• Minimum credit limit - $3,000
• Minimum income - $30,000 p.a.
• Earn up to 0.75 Velocity Points per $1 spent on eligible purchases
• Complimentary International Medical Travel Insurance,Complimentary Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia
  Apply now Find out more

Westpac credit card features

Up to 45 days interest-free - To give you more opportunity to avoid interest charges on your purchases. Note cash advances aren’t covered by this interest-free period.

Cashback and discounts - With a Westpac credit card, you'll get personalised cashback offers from Westpac Extras, Westpac bonus Cashback when you shop via the Westpac Lounge on ShopBack, plus other discounts and offers from a wide range of shops, in-store and online.​

Split your purchases - Split your purchases over $100 into 4 payments over 6 weeks with the PartPay feature on your credit card.

We got your back - Use the Dynamic CVC on your digital card. The 3-digit number changes every 24 hours for added fraud protection.

Australia’s Best Banking App - Manage your credit card in the Westpac App, with features to help you budget, save and stay on top of your finances.

Frequently asked questions

How does the Complimentary International Travel Insurance work and am I eligible for it?

For full details on how the complimentary travel insurance works go to Westpac Complimentary Travel Insurance website.

What do the complimentary insurances cover?

From 1 October 2026 (where you meet the eligibility criteria) the complimentary credit card insurance will include:

Domestic Travel Insurance

Domestic Travel Insurance covers flights within and between states in Australia. Cover includes Cancellation, Flight Delay, Luggage and Luggage Delay. Please refer to the Westpac Credit Card Domestic Complimentary Insurance Policy Information Booklet (PDF) for full eligibility criteria, terms, conditions and exclusions.

Rental Vehicle Excess Insurance in Australia

Cover if a rental vehicle you have rented from a rental company or agency in Australia is involved in an accident while you’re driving it, or is damaged or stolen while in your custody. Please refer to the Westpac Credit Card Domestic Complimentary Insurance Policy Information Booklet (PDF) for full eligibility criteria, terms, conditions and exclusions.

Complimentary International Medical Travel Insurance

Up to 3 months (subject to your eligible card) Complimentary International Medical Travel Insurance which includes Overseas Medical & Hospital Expenses, Funeral Expenses, Personal Liability and Overseas Emergency Assistance. To have access to cover you must meet all eligibility criteria including, but not limited to $500 minimum spend and activating your insurance before departing Australia. Please refer to the Westpac Credit Card International Travel Insurance, Product Disclosure Statements (PDF) for eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits.

On or before 30 September 2026 (where you meet the eligibility criteria) the credit card complimentary insurance will include:

International Travel Insurance(see policy for details)

Access up to 3 months' complimentary cover for International Travel Insurance when you meet the eligibility criteria as set out in the Credit Card Complimentary Insurance Policy including prepaying $500 of your travel costs to your eligible card and holding a return overseas ticket before departing Australia, (see policy document for full eligibility criteria, terms, conditions, and exclusions).

Overseas Transit Accident Insurance

Overseas Transit Accident Insurance covers against specified accidental death or injury when sustained overseas while riding, boarding or alighting as a passenger in a plane, bus, train or shorthaul ferry when you have purchased the tickets for the entire trip using your Credit Card before you leave (terms, conditions, exclusions and eligibility criteria apply).

Purchase Protection Insurance

Access to up to 4 months Purchase Protection Insurance on eligible purchases, as set out in the Credit Card Complimentary Insurance Policy (terms, conditions, exclusions and eligibility criteria apply).

Extended Warranty Insurance

Up to 24 months extended warranty insurance cover (in addition to the manufacturer's expressed Australian warranty) on a range of personal items purchased using your Credit Card (terms, conditions, exclusions and eligibility criteria apply).

How do I access my Economy X Seat Upgrades?

When you choose Altitude Velocity rewards you can also enjoy 2 Economy X seat upgrades a year, on selected domestic Virgin Australia flights. To receive the upgrades, simply provide us with your Velocity Frequent Flyer number and make a direct spend at Virgin Australia on your Altitude Black Mastercard. Vouchers will then be available in your Velocity Frequent Flyer account within 10 business days.

To redeem your Economy X Seat Upgrade vouchers you must first book an eligible domestic flight directly with Virgin Australia. Once you have booked an eligible domestic flight with Virgin Australia, you will need to call the Virgin Australia Guest Contact Centre on 1300 038 373 to redeem your Economy X Seat Upgrade vouchers.

Things you should know

Westpac Credit Cards Key Facts Sheet

Credit Card Terms and Conditions (PDF)

Altitude Terms and Conditions (PDF)

Westpac Credit Cards Complimentary Insurance Policy (PDF) – Effective 23 February 2023 (Where you have met the eligibility criteria prior to 1 October 2026)

Westpac Credit Card Domestic Complimentary Insurance Policy Information Booklet (PDF) - Effective 1 October 2026 (where you have met the eligibility criteria on or after 1 October 2026)

Westpac Credit Card International Travel Insurance, Product Disclosure Statements (PDF) - Effective 1 October 2026 (where you have met the eligibility criteria on or after 1 October 2026)

PartPay Card Terms and Conditions (PDF)

ID checklist to become a customer (PDF)

Credit criteria, fees and charges apply. Credit Card Product Switches, upgrades or Westpac group staff are ineligible.

This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.

[1]

Bonus Qantas Points Promotion Altitude Platinum: Offer commenced 27th November 2025. To be eligible for bonus Qantas Points, you must apply and be approved for a new Altitude Qantas Platinum credit card before the offer is withdrawn. You will receive an initial 70,000 bonus points if you spend $4k or more on eligible purchases within 90 days from card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria. In your second year, spend a minimum of $4k on eligible purchases within 90 days of your card opened date anniversary, and you'll earn an additional 30,000 bonus points. These additional points will be credited to your points balance within 12 weeks of meeting the spend criteria. If you do not meet the minimum spend in the first year, you forfeit the bonus points for the first year only, however you are still eligible for bonus points in the subsequent year if you meet the minimum spend in the subsequent year during the promotional period. Existing Westpac customers who currently hold an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card, or who have held one in the last 24 months, are not eligible for this offer. Qantas Points earned during a statement cycle are added to your Qantas Points balance on a monthly basis. Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account. Credit Card Product Switches, upgrades or Westpac group staff are ineligible for this offer. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

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[2]

Existing customers only - Reduced First year Card Fee for Altitude Qantas Platinum: Offer commenced 27th November 2025. The discounted first year Card Fee of $99 is available for existing Westpac customers when you apply and are approved for a new Altitude Qantas Platinum card before the offer is withdrawn. After the first year, the Card Fee reverts to $175, and will be debited to your card account on the 12-month anniversary of the Card Fee date and annually thereafter. A $125 annual Rewards Program Fee still applies for Altitude Qantas if you choose these programs. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

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[3]

Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account.

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[4]

Qantas products and services: Bonus Qantas Points earned on Qantas passenger flights (with a QF flight number) booked directly with Qantas, Qantas Club and Qantas Frequent Flyer memberships, when purchased from Qantas and charged as a domestic transaction only. Excludes Jetstar flights and services. You do not earn bonus points on Qantas Freight, Qantas Business Travel, Jetset Travelworld channels and Qantas Staff Travel, and on any international transactions, whether charged in Australian Dollars and/or in any foreign currency.

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[5]

Complimentary travel insurance covers:

AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible persons to claim under it as third party beneficiaries. Access to the benefit of cover under the Credit Card Complimentary Insurance is provided to eligible Westpac cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). If an eligible person wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits contained in the relevant Policy Information Booklet and/or Product Disclosure Statements which may be amended from time to time. This insurance is underwritten by Allianz. Westpac does not guarantee this insurance. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it.

On or before 30 September 2026 (where you meet the eligibility criteria on or before that date) the following Policy Information Booklet will apply: Complimentary Insurance Policy Information booklet (PDF).

From 1 October 2026 the following policy documents will apply: Policy Information Booklet (regarding the Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia) (PDF) and/or Product Disclosure Statements (for the Complimentary International Medical Travel Insurance) (PDF). The Target Market Determination for the Complimentary International Medical Travel Insurance is available at www.allianzpartners.com.au/policies/.

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[6]

Altitude Rewards Platinum Bonus Points Promotion: Offer commenced 27th August 2025. To be eligible for bonus Altitude Reward Points, you must apply and be approved for a new Altitude Rewards Platinum card before the offer is withdrawn. You will receive an initial 75,000 bonus points if you spend $3k or more on eligible purchases within 90 days of card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria. You will receive an additional 25,000 bonus points if you keep your account open for more than 12 months and continue to use the card. These additional points will be credited to your points balance within 12 weeks, after the first eligible purchase is made in the second year of your card account being active. If you do not meet the minimum spend criteria within 90 days of card approval, you forfeit the initial 75,000 bonus points only. However, you are still eligible for the additional 25,000 bonus points in the second year if you continue to use your card. Existing Westpac customers who currently hold an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card, or who have held one in the last 24 months, are not eligible for this offer. Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account. Credit Card Product Switches, upgrades or Westpac group staff are ineligible for this offer. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

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[7]

Reduced First year Card Fee for Altitude Rewards Platinum: Offer commenced 27th August 2025. The discounted first year Card Fee of $99 is available when you apply and are approved for a new Altitude Rewards Platinum card before the offer is withdrawn. After the first year, the Card Fee reverts to $175 thereafter, and will be debited to your card account on the 12-month anniversary of the Card Fee date and annually thereafter. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

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[8]

Existing customers only - Reduced First year Card Fee for Altitude Rewards Platinum: Offer commenced 27th August 2025. The discounted first year Card Fee of $49 is available when you apply and are approved for a new Altitude Rewards Platinum credit card before the offer is withdrawn. After the first year, the Card Fee reverts to $175 thereafter, and will be debited to your account annually on the 12-month anniversary of the Card Fee date and annually thereafter. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

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[9]

Bonus Velocity Points Promotion Altitude Platinum: Offer commenced 27th November 2025. To be eligible for bonus Velocity Points, you must apply and be approved for a new Altitude Velocity Platinum credit card before the offer is withdrawn. You will receive an initial 70,000 bonus points if you spend $4k or more on eligible purchases within 90 days from card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria. In your second year, spend a minimum of $4k on eligible purchases within 90 days of your card opened date anniversary, and you'll earn an additional 30,000 bonus points. These additional points will be credited to your points balance within 12 weeks of meeting the spend criteria. If you do not meet the minimum spend in the first year, you forfeit the bonus points for the first year only, however you are still eligible for bonus points in the subsequent year if you meet the minimum spend in the subsequent year during the promotional period. Existing Westpac customers who currently hold an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card, or who have held one in the last 24 months, are not eligible for this offer. Velocity Points earned during a statement cycle are added to your Velocity Points balance on a monthly basis. Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account. Credit Card Product Switches, upgrades or Westpac group staff are ineligible for this offer. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

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[10]

Existing customers only - Reduced First year Card Fee for Altitude Velocity Platinum: Offer commenced 27th November 2025. The discounted first year Card Fee of $99 is available for existing Westpac customers when you apply and are approved for a new Altitude Velocity Platinum card before the offer is withdrawn. After the first year, the Card Fee reverts to $175, and will be debited to your card account on the 12-month anniversary of the Card Fee date and annually thereafter. A $125 annual Rewards Program Fee still applies for Altitude Velocity if you choose these programs. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

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[11]

Interest free period is available when you pay the Closing Balance (or the Monthly Payment Balance if you have a Balance Transfer, a SmartPlan or a PartPay Card) in full by the payment due date.

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[12]

This claim is based on The Forrester Digital Experience Review™ of 4 Australian mobile banking apps in Q3 2025. Future findings are subject to change. Forrester does not endorse any company or brand, nor their products or services, nor advise anyone to select them based on this review. If you want to learn more, go to the Forrester website.

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[13]

Economy X Seat Upgrade Vouchers: Two complimentary Economy X Seat Upgrade Vouchers (for eligible domestic flights only) are available to Westpac Altitude Platinum Mastercard and Westpac Altitude Black Mastercard primary cardholders earning Velocity Points through the Altitude Velocity rewards program. To be eligible, your card account must not be in arrears for more than two consecutive statement cycles in accordance with the Altitude Terms and Conditions, you must have provided Westpac with your Velocity Frequent Flyer number and you have made a direct spend with Virgin Australia (Eligible Spend) on your Altitude Platinum Mastercard or Altitude Black Mastercard every year from card open date. Economy X Seat Upgrade Vouchers are valid for 12 months from date of issuance and will appear on your Velocity Frequent Flyer membership account within 10 business days of meeting Eligible Spend. Economy X Seat Upgrades are available to other passengers travelling on the same itinerary as the primary cardholder. Each Economy X Seat Upgrade Voucher can only be redeemed on an eligible non-stop Virgin Australia operated domestic Australian flight. The Economy X Upgrade Voucher is valid per single flight sector only. All Economy X Seat Upgrade Voucher redemptions are subject to availability. No Velocity Points or Status Credits will be awarded for Economy X Seat Upgrade Voucher redemptions. To redeem, book an eligible domestic flight with Virgin Australia on your Altitude Velocity Mastercard and then call the Virgin Australia Guest Contact Centre on 1300 038 373 at least 24 hours prior to your flight to apply your Economy X Seat Upgrade. All Economy X Seat Upgrade Voucher redemptions are subject to availability and neither Virgin Australia nor Westpac guarantee that Economy X seats will be available on the flight you may wish to redeem on. All travel is subject to the Economy X standard Terms and Conditions and the Virgin Australia Fare Conditions and Virgin Australia Conditions of Carriage as amended from time to time.

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Rewards Points: The earning and redemption of Altitude Points are subject to the Altitude Terms and Conditions (PDF). Purchases that are not eligible to earn Rewards Points are set out in the Altitude Terms and Conditions (PDF). You do not receive points if you have not paid the Minimum Payment Due in full and on time and in other circumstances. Points earnt for PartPay (PDF) Purchases are based on the full value of the purchase, and not on each instalment amount. Altitude Points earned during a statement cycle are added to your respective Points balance on a monthly basis.

Altitude Rewards: To earn and redeem points, you must be a member of the applicable rewards program. Additional fees may apply and vary by rewards program. See the applicable card's product page for details. For more information on the Altitude Rewards program, visit Altitude Rewards.

Qantas Rewards Points: The earning and redemption of Qantas Points are subject to the Altitude Terms and Conditions (PDF). Purchases that are not eligible to earn Rewards Points are set out in the Altitude Terms and Conditions (PDF). You do not receive points if you have not paid the Minimum Payment Due in full and on time and in other circumstances. Points earnt for PartPay (PDF) Purchases are based on the full value of the purchase, and not on each instalment amount. Qantas Points earned during a statement cycle are added to your respective Points balance on a monthly basis.

Altitude Qantas: To earn and redeem points, you must be a member of the applicable Frequent Flyer program. Annual Rewards Program fees apply and vary by rewards program. See the applicable card's product page for details.

Velocity Rewards Points: The earning and redemption of Velocity Points are subject to the Altitude Terms and Conditions (PDF). Purchases that are not eligible to earn Rewards Points are set out in the Altitude Terms and Conditions (PDF). You do not receive points if you have not paid the Minimum Payment Due in full and on time and in other circumstances. Points earnt for PartPay (PDF) Purchases are based on the full value of the purchase, and not on each instalment amount. Velocity Points earned during a statement cycle are added to your respective Points balance on a monthly basis.

Altitude Velocity: To earn and redeem points, you must be a member of the applicable Frequent Flyer program. Annual Rewards Program fees apply and vary by rewards program. See the applicable card's product page for details.

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