+ Added

* [ Rewards credit cards](https://www.westpac.com.au/personal-banking/credit-cards/reward)
* Altitude Platinum

+ Added

# Altitude Platinum Card

+ Added

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.

+ Added

##   
 Why choose Altitude Platinum card?

+ Added

 20.99% p.a. purchase rate

+ Added

 $3,000 minimum credit limit

+ Added

 45 days interest-free on purchases

+ Added

## Choose your Altitude Rewards Program

+ Added

Redeem points for gift cards, products, cashback and more. You can pay with the accumulated points or transfer points to our frequent flyer partner airlines.  

+ Added

### Altitude Rewards

+ Added

Star1 Special offer 

+ Added

Close 

+ Added

Close 

+ Added

Earn up to 100,000 bonus Altitude Points and 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).  

+ Added

**Card features:**

+ Added

* $0 Annual Rewards Program Fee
* 2 Altitude points per $1 on international spend
* 1.25 Altitude points per $1 on everyday spend
* 1 Altitude point per $1 spend on all other purchases

+ Added

Once you spend $5,000 in a statement cycle, you will earn 0.5 Altitude points per $1 on further eligible purchases.

+ Added

**Plus extra benefits**

+ Added

* Pay with points
* Everyday rewards
* Westpac Extras
* Complimentary insurances

+ Added

Apply now 
* [Already with us? Sign in to apply ](https://www.ui.westpac.com.au/origin/etb0/content/secure-pers/credit-cards/altitude-rewards/altitude-rewards-platinum/summary "Already with us? Sign in to apply")
* [Not yet with us? Apply here](https://www.westpac.com.au/personal-banking/credit-cards/reward/altitude-platinum/summary "Not yet with us? Apply here")

+ Added

Apply now 
* [Already with us? Sign in to apply](https://www.cmsservices.westpac.com.au/app/banking/deeplink?screenId=externalRedirectorWithParams¶m0=contentspa¶m1=secure-pers%28%5F$%29credit-cards%28%5F$%29altitude-rewards%28%5F$%29altitude-rewards-platinum%28%5F$%29summary&targetpath=https%3A%2F%2Fwww.ui.westpac.com.au%2Forigin%2Fetb0%2Fcontent%2Fsecure-pers%2Fcredit-cards%2Faltitude-rewards%2Faltitude-rewards-platinum%2Fsummary "Already with us? Sign in to apply")
* [Not yet with us? Apply here](https://www.westpac.com.au/personal-banking/credit-cards/reward/altitude-platinum/summary "Not yet with us? Apply here")

+ Added

### Altitude Qantas

+ Added

Star1 Special offer 

+ Added

Close 

+ Added

Close 

+ Added

Earn 75,000 bonus Qantas Points .**Already with Westpac?** Sign in to apply for a $49 first year card fee (reverts to $175 p.a. thereafter) . A $75 annual Qantas Rewards Program fee still applies.  
  
**Card features:**

+ Added

* 0.75 Qantas Points per $1 on international spend
* 0.5 Qantas Points per $1 on everyday spend
* 0.35 Qantas Points per $1 spend on all other purchases
* Earn Qantas Points twice with program partners

+ Added

Once you spend $5,000 in a statement cycle, you will earn 0.2 Qantas Points per $1 on further eligible purchases.

+ Added

**Plus extra benefits**

+ Added

* Double points with program partners
* Westpac Extras
* Complimentary insurances

+ Added

Apply now 
* [Already with us? Sign in to apply ](https://www.ui.westpac.com.au/origin/etb0/content/secure-pers/credit-cards/qantas-rewards/altitude-qantas-platinum/summary "Already with us? Sign in to apply")
* [Not yet with us? Apply here](https://www.westpac.com.au/personal-banking/credit-cards/reward/altitude-qantas-platinum/summary "Not yet with us? Apply here")

+ Added

Apply now 
* [Already with us? Sign in to apply](https://www.cmsservices.westpac.com.au/app/banking/deeplink?screenId=externalRedirectorWithParams¶m0=contentspa¶m1=secure-pers%28%5F$%29credit-cards%28%5F$%29qantas-rewards%28%5F$%29altitude-qantas-platinum%28%5F$%29summary&targetpath=https%3A%2F%2Fwww.ui.westpac.com.au%2Forigin%2Fetb0%2Fcontent%2Fsecure-pers%2Fcredit-cards%2Fqantas-rewards%2Faltitude-qantas-platinum%2Fsummary "Already with us? Sign in to apply")
* [Not yet with us? Apply here](https://www.westpac.com.au/personal-banking/credit-cards/reward/altitude-qantas-platinum/summary "Not yet with us? Apply here")

+ Added

### Altitude Velocity

+ Added

Star1 Special offer 

+ Added

Close 

+ Added

Close 

+ Added

Earn 75,000 bonus Velocity Points .**Already with Westpac?** Sign in to apply for a $49 first year card fee (reverts to $175 p.a. thereafter) . A $75 annual Velocity Rewards Program fee still applies.  
  
**Card features:**

+ Added

* 0.75 Velocity points per $1 on international spend
* 0.5 Velocity points per $1 on everyday spend
* 0.35 Velocity points per $1 spend on all other purchases

+ Added

Once you spend $5,000 in a statement cycle, you will earn 0.2 Velocity points per $1 on further eligible purchases.

+ Added

**Plus extra benefits**

+ Added

* Economy X Seat upgrade
* Westpac Extras
* Complimentary insurances

+ Added

Apply now 
* [Already with us? Sign in to apply ](https://www.ui.westpac.com.au/origin/etb0/content/secure-pers/credit-cards/velocity-rewards/altitude-velocity-platinum/summary "Already with us? Sign in to apply")
* [Not yet with us? Apply here](https://www.westpac.com.au/personal-banking/credit-cards/reward/altitude-velocity-platinum/summary "Not yet with us? Apply here")

+ Added

Apply now 
* [Already with us? Sign in to apply](https://www.cmsservices.westpac.com.au/app/banking/deeplink?screenId=externalRedirectorWithParams¶m0=contentspa¶m1=secure-pers%28%5F$%29credit-cards%28%5F$%29velocity-rewards%28%5F$%29altitude-velocity-platinum%28%5F$%29summary&targetpath=https%3A%2F%2Fwww.ui.westpac.com.au%2Forigin%2Fetb0%2Fcontent%2Fsecure-pers%2Fcredit-cards%2Fvelocity-rewards%2Faltitude-velocity-platinum%2Fsummary "Already with us? Sign in to apply")
* [Not yet with us? Apply here](https://www.westpac.com.au/personal-banking/credit-cards/reward/altitude-velocity-platinum/summary "Not yet with us? Apply here")

+ Added

### What kind of businesses are included in the new ‘everyday spend’ category?

+ Added

Our 'everyday spend' category consists of 5 sub-categories: supermarkets, department stores, petrol stations, dining and utilities. Below is a list of examples of merchants included in these 5 categories:

+ Added

* **Supermarkets** include stores such as Woolworths, Coles, IGA, Harris Farm and ALDI
* **Department stores** include stores such as Kmart, Target, Big W, David Jones and Myer
* **Petrol stations** include stores such as 7-Eleven, Shell, Ampol, Caltex and BP
* **Dining** includes restaurants, cafes, fast food, bars, hotels and entertainment venues
* **Utilities** include payments for water, gas, electricity, internet, mobile and streaming services (excluding BPAY® payments).

+ Added

## Westpac credit card features

+ Added

##### Westpac Rewards

+ Added

Get exclusive deals, discounts and cashback when shopping with your credit card accessible via the Westpac App.

+ Added

##### Split your purchases 

+ Added

Split your purchases over $100 into 4 payments over 6 weeks with the [PartPay](https://www.westpac.com.au/personal-banking/credit-cards/partpay) feature on your credit card.

+ Added

##### We've got your back 

+ Added

Use the [Dynamic CVC](https://www.westpac.com.au/personal-banking/mobile-wallets/digital-card) on your digital card. The 3-digit number changes every 24 hours for added fraud protection.

+ Added

##### #1 Banking App 

+ Added

Manage your credit card in the [Westpac App](https://www.westpac.com.au/personal-banking/online-banking/mobile-app)\*, with features to help you budget, save and stay on top of your finances.

+ Added

## Rates, minimum requirements and fees

+ Added

* [Rates](#tab1)
* [Minimum requirements](#tab2)
* [Fees](#tab3)

+ Added

[Rates](#tab1) 

+ Added

| **20.99% p.a.** | Variable purchase rate     |
| --------------- | -------------------------- |
| **21.99% p.a.** | Variable cash advance rate |

+ Added

[Minimum requirements](#tab2) 

+ Added

| **$3,000**       | Minimum credit limit    |
| ---------------- | ----------------------- |
| **$30,000 p.a.** | Minimum income required |

+ Added

[Fees](#tab3) 

+ Added

| **Annual card fee**                                   | $175                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |
| ----------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Annual Rewards Program fee for Qantas or Velocity** | $75                                                                                                                                                                                                                                                                                                                                                                                                                                                                                |
| **Foreign transaction fee**                           | 3% Payable as a percentage of the Australian dollar value of any foreign transaction.  Applies for transactions in a foreign currency, or in Australian dollars but processed by an overseas merchant or financial institution. Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia. [More about this fee](https://www.westpac.com.au/personal-banking/credit-cards/manage/fees-interest/minimising-fees). |
| **Cash advance fee**                                  | 3% of the value of the transaction will apply to each cash advance made on your card account. These charges will appear on your credit card statement directly below the relevant cash advance.                                                                                                                                                                                                                                                                                    |
| **Missed payment fee**                                | $15 each statement cycle that the minimum monthly payment is not paid by the statement due date.                                                                                                                                                                                                                                                                                                                                                                                   |

+ Added

[Follow these tips to minimise credit card fees and charges](https://www.westpac.com.au/personal-banking/credit-cards/manage/fees-interest/minimising-fees).

+ Added

## Looking for something else?

+ Added

Our premier credit card offers the highest earn rate for rewards points. Enjoy exclusive extras like lounge passes, travel insurance and concierge support.   

[Altitude Black card](https://www.westpac.com.au/personal-banking/credit-cards/reward/altitude-black)

## Enjoy the benefits of one stop banking

Spend $50 and you could get $50 cashback. Open a Westpac Choice everyday account by 30 September 2025\. Then, add your new debit card to your mobile wallet and make one or more in-person, contactless payments that total at least $50\. T&Cs apply.

[Find out more](https://www.westpac.com.au/personal-banking/bank-accounts/transaction/choice?pid=iwc:dp:$50xCC%5F2508::ftr) 

+ Added

[How do I access my Economy X Seat Upgrades?](#tab3) 

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](tel:1300038373) to redeem your Economy X Seat Upgrade vouchers.

+ Added

Credit Card 

+ Added

### Compare credit cards

+ Added

Compare our credit cards by looking at credit limits, interest rates, fees, interest free days and more.

+ Added

[Compare credit cards](https://www.westpac.com.au/personal-banking/credit-cards/compare-credit-cards) [Compare credit cards](https://www.westpac.com.au/personal-banking/credit-cards/compare-credit-cards) 

+ Added

Search 

+ Added

[ Pdf File PartPay Card Terms and Conditions (PDF 96KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/partpay%5Fcard%5Fterms%5Fand%5Fconditions.pdf)

+ Added

**\>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.

+ Added

\>>**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.

+ Added

**\>>>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.

+ Added

**Bonus Qantas or Velocity Points Promotion Altitude Platinum:** Offer commenced 26th March 2025\. To be eligible to receive 75,000 bonus Qantas or Velocity Points, you must apply and be approved for a new Altitude Qantas Platinum or Altitude Velocity Platinum credit card before the offer is withdrawn. You will receive 75,000 bonus points if you spend $4k 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. 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 or Velocity Points earned during a statement cycle are added to your Qantas or 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.

+ Added

**Existing customers only - Reduced First year Card Fee for Altitude Qantas or Velocity Platinum:** Offer commenced 26th March 2025\. The discounted first year Card Fee of $49 is available for existing Westpac customers when you apply and are approved for a new Altitude Qantas Platinum or 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 $75 annual Rewards Program Fee still applies for Altitude Velocity and 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.

+ Added

**Altitude Rewards**: You must be a member of the relevant transfer partner program to redeem Altitude Points for that partner’s rewards or frequent flyer points. The Altitude Terms and Conditions and the terms and conditions of the relevant transfer partner programs apply. A joining fee may apply. For more information on the Altitude Rewards program, visit [altituderewards.com.au](https://www.altituderewards.com.au/). 

+ Added

**†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.

+ Added

**\~If you choose to make any payment** in any category using an intermediary service (such as Afterpay, PayPal or similar services), these transactions will be categorised as ‘all other purchases’. We classify transactions using information provided to us by the card scheme (Visa or Mastercard), which tells us about the main type of business conducted by the Merchant.

+ Added

**Rewards Points:** The earning and redemption of Altitude Points, Velocity Points and Qantas Points are subject to the [ Pdf File Altitude Terms and Conditions (PDF 117KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-altitude-terms-and-conditions.pdf). Purchases that are not eligible to earn Rewards Points are set out in the [ Pdf File Altitude Terms and Conditions (PDF 117KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-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 [ Pdf File PartPay (PDF 96KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/partpay%5Fcard%5Fterms%5Fand%5Fconditions.pdf) Purchases are based on the full value of the purchase, and not on each instalment amount. Qantas and Velocity Points earned during a statement cycle are added to your respective Points balance on a monthly basis.

+ Added

**2\. 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.

+ Added

**4\. Complimentary 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 persons wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, limits and exclusions contained in the [ Pdf File Complimentary Insurance Policy Information booklet (PDF 898KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC%5FConsumer%5FCredit%5FCard%5FComp%5FInsurance%5FAllianz.pdf) 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.

+ Added

**Qantas products and services:** Selected Qantas products and services are Qantas passenger flights with a QF flight number purchased directly from [Qantas.com](https://www.qantas.com.au/ "Click to go to the Qantas website"); Qantas Frequent Flyer and Qantas Club membership joining and/ or annual fees. For full Qantas Frequent Flyer Terms and Conditions, visit [Qantas.com/terms.](http://qantas.com/terms "Click to visit the Qantas page for terms")

+ Added

**7\. 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](tel:1300038373) 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](https://www.virginaustralia.com/eu/en/experience/on-board-the-flight/seat-selection/eligibility/) and the [Virgin Australia Fare Conditions and Virgin Australia Conditions of Carriage](https://www.virginaustralia.com/us/en/about-us/legal-policies/conditions-of-carriage/) as amended from time to time. 

+ Added

\*Claim based on "The Forrester Digital Experience Review™: Australian Mobile Banking Apps, Q4 2023" an evaluation of five Australian Banks.

+ Added

Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.