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Card Overview
The Westpac Altitude Platinum Credit Card has up to 90,000 bonus Altitude Rewards Points plus a reduced first-year annual card fee on offer for new cardholders on offer for new cardholders. Comes with a discounted first-year annual fee, complimentary insurance, and earns decent Altitude Points on spend.
Key Attributes
Earn
Altitude Rewards Points per $1
2 points
on international spend
1.25 points
on everyday spend
1 point
on all eligible purchases. Once you spend $5,000 in a statement cycle, you will earn 0.5 Altitude Points per $1 on further eligible purchases.
Travel Benefits
Travel Insurance
Complimentary International Medical Travel Insurance and Complimentary Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia (PDS)
Flight Delay Access Pass
Complimentary lounge access if your flight is delayed by 120 minutes or more
Bonus Minimum Spend
$12,000
$6,000 spend in the first 90 days, and another $6,000 on eligible purchases within 90 days of card anniversary in year 2
Annual Fee
$99 in the first year ($175 p.a. thereafter)
$99 card fee in the first year (reverts to $175 p.a.) + $75 annual Altitude Rewards Program fee
Points Cap
Yes
Once you spend $5,000 in a statement cycle, you will earn 0.5 Altitude Points per $1 on further eligible purchases
ATO Points
No
Overseas Transaction Fee
3%
of the converted amount
Interest-free period
Up to 45 days
Purchase Rate
23.98% p.a.
Cash Advance Rate
23.99% p.a.
Why Choose This Card
This card is a smart choice for travellers who want to start earning flexible rewards points without stepping into the high-fee, premium card tier. It sits just below the Altitude Black in Westpac’s Altitude range, offering a more accessible annual fee, slightly lower earn rates, and fewer perks, but still enough to deliver meaningful value for travellers.
With an earn rate of 2 Altitude Points per $1 on international purchases and 1.25 Points per $1 on everyday spend, it’s well suited for those who want to keep accumulating points steadily from daily transactions. While the earn rate isn’t as high as the Black version, the lower annual fee helps balance that trade-off for cardholders who spend moderately rather than heavily.
We also like that the Platinum still includes Complimentary International Medical Travel Insurance, which adds tangible peace of mind for overseas trips, a feature often missing in entry-level cards. For many users, that combination of lower cost, reliable earn rates and essential cover makes this card an appealing middle ground between a basic points earning card and a fully-fledged premium product.
This guide references some of the benefits of insurance policies provided with this card. You should read the PDS and obtain independent professional advice before obtaining this product.
Extra Benefits
Complimentary Insurance
Complimentary International Medical Travel Insurance and Complimentary Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia (PDS)
Mobile Wallet
Apple Pay, Google Pay and Samsung Pay
The Westpac Altitude Rewards Platinum Card has up to 90,000 bonus Altitude Rewards Points plus a reduced first-year card fee of $99 (reverts to $175 p.a., plus a $75 annual Altitude Rewards Program Fee) on offer for new cardholders.
The Altitude Platinum is the mid-range card within the Altitude range and is available in both the Altitude Rewards and Qantas variants. This guide specifically looks at the Altitude Rewards variant.
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The bonus is split into two parts, with the first 60,000 bonus Altitude Rewards Points to be received after spending a minimum of $6,000 on eligible purchases within 90 days from approval and an additional 30,000 bonus Altitude Rewards Points after spending a further $6,000 on eligible purchases within 90 days of card anniversary in year 2.
It is worth knowing that Altitude Rewards Points are transferable to Velocity, KrisFlyer and Asia Miles on a 4:1 basis. This means that the current total bonus of 90,000 Altitude Rewards Points are equivalent to ~22,500 Points when transferred to the aforementioned programs.
Details of the Westpac Altitude Rewards Platinum Credit Card
Card Details
| Card | Westpac Altitude Platinum |
| Loyalty program | Altitude Rewards |
| Points earned from spend | 2 Altitude Points per $1 on international spend 1.25 Altitude Points per $1 at supermarkets, department stores, petrol stations, dining and utilities 1 Altitude Point per $1 on other purchases * Capped at $5,000 per statement period, after which, the earn rate reduces to 0.5 points per dollar across all categories |
| Minimum income requirement | $30,000 p.a. |
| Included insurances | Complimentary International Medical Travel Insurance Complimentary Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia (effective 1 October) International Product Disclosure Statements Domestic Complimentary Insurance Policy Information Booklet |
| Points Cap | uncapped |
| Overseas transaction fee | 3.0% of the converted amount |
| Card fee | $175 p.a. + $75 Altitude Rewards Program Fee |
| Mobile wallet | Apple Pay, Google Pay and Samsung Pay |
Effective Frequent Flyer Program Point Earn Rates
| Frequent Flyer Program | International Spend | Everyday Spend | Other Eligible Spend |
|---|---|---|---|
| Velocity Points (transferred from Altitude Rewards) | 0.5 points / $ | 0.31 points / $ | 0.25 points / $ |
| Singapore Airlines KrisFlyer miles | 0.5 miles / $ | 0.31 miles / $ | 0.25 miles / $ |
| Cathay Pacific Asia Miles | 0.5 miles / $ | 0.31 miles / $ | 0.25 miles / $ |
| Everyday Rewards | 1.32 points / $ | 0.82 points / $ | 0.66 points / $ |
Altitude Qantas vs Altitude Rewards
The Altitude Card range offers a choice of which points program you want to direct your points into: either Qantas Frequent Flyer or Westpac’s own loyalty program Altitude Rewards.
Note that there is an annual $125 Qantas Rewards fee on top of the card fee on the Westpac Altitude Platinum Qantas Mastercard to allow you to earn Qantas Points (rather than Altitude Rewards).
When choosing the Platinum Qantas variant over the Altitude Rewards Platinum, you’ll also need to factor in the different earn rates of each currency and transfer rates to partner programs. Our full guide to Altitude Rewards offers more detail about the program’s benefits.
To sum up, Altitude Points can be transferred into Virgin Australia Velocity, Singapore Airlines KrisFlyer and Cathay Pacific Asia Miles at a rate of 4 Altitude Rewards Points to 1 frequent flyer program point/mile.
The choice between Altitude Qantas or Altitude Rewards will depend on your personal points-earning preference.
Included Insurances and other Benefits
Westpac restructured the complimentary insurance on this card in October 2026. The Card comes with Complimentary International Medical Travel Insurance, Complimentary Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia. But extended warranty, purchase protection, and trip cancellation, travel delay and luggage cover are no longer included, and you'll need to activate the international medical policy before you leave Australia.
As we say with every credit card guide, the value of each card's insurance can only really be assessed by you looking at the PID and deciding whether it is a fit for your needs.
This guide references some of the benefits of insurance policies provided with this card. Ensure you read the Westpac Credit Card International Product Disclosure Statements (effective 1 October) and Westpac Credit Cards Domestic Complimentary Insurance Policy Information Booklet (effective 1 October) before using the complimentary travel insurance on your card.
Flight Delay Access Pass
You and up to four travelling companions may also be eligible for complimentary access to over 1,800 participating airport lounges worldwide if your registered flight is delayed by 120 minutes or more, under the Complimentary Flight Delay Access Pass. Each flight needs to be registered separately, and there's no cap on how many you can register.
You'll also gain access to Westpac Concierge which are on-call 24/7 to fulfil your requests and give some useful restaurant or ticket reservation shortcuts, amongst other potential uses.
Westpac Apple Pay, Google Pay & Samsung Pay support
Westpac cards support Apple Pay, Google Pay & Samsung Pay, meaning you can use this card on your smartphone for easier payments. Find out more in our guides for each of the compatible services.
Summing up: the Westpac Altitude Platinum Card
The Westpac Altitude Platinum is a viable mid-range card for the savvy points collector who wants to have options about which points programs they can earn in or transfer points to. For those looking to earn Qantas Points on spend, then you instead may wish to consider the Qantas variant of this card.
The card has a competitive earn rate compared to similar cards in the market and there is no cap on the number of points that can be earned, which is definitely a perk not seen on most competitor cards.
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Eligibility Criteria
These are the minimum requirements to be eligible to apply for this Card. Other additional eligibility criteria, such as proof of income, will generally be required later on.
-
Be aged 18 years or over
-
Be an Australian citizen, permanent resident, or hold a long-term visa
-
Minimum income required $30,000 p.a.
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Have a good credit history and no payment defaults
-
To be eligible for the bonus offer, you must not hold, or have held, an Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas or Velocity in the last 24 months
Frequently Asked Questions
How does the Complimentary International Medical Travel Insurance work and am I eligible for it?
To be eligible, you’ll need to meet residency or visa/Medicare requirements, have a return overseas travel ticket, be under 81 and spend at least $500 on prepaid travel costs using the accountholder’s card before you leave Australia. You’ll also need to activate your cover before leaving Australia through the Westpac App, Online Banking or Allianz Global Assistance.
What do the complimentary insurances cover?
The card includes Complimentary International Medical Travel Insurance and Complimentary Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia.
Can I access lounges with this card?
No, this card does not include complimentary lounge invitations. Lounge access typically comes with the higher-tier Altitude Velocity Black variant.
Who is eligible for the sign-up bonus?
The sign-up bonus points offer is not available if you’ve held an Altitude Platinum or Altitude Black card with Altitude, Qantas or Velocity in the previous 24 months.
Can I add additional cardholders?
Yes, you can add one additional cardholder at no extra cost. Velocity Points earned by the supplementary cards will flow to the primary cardholder’s Velocity Frequent Flyer account.