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Up to 100,000 bonus Altitude Rewards Points plus a reduced first-year card fee with the Westpac Altitude Rewards Platinum Credit Card

Card Overview

The Westpac Altitude Platinum Credit Card has up to 100,000 bonus Altitude Rewards Points on offer for new cardholders. Comes with a discounted first-year annual fee, complimentary insurance, and earns decent Altitude Points on spend.

Key Attributes

  • Up to 100,000 Altitude Rewards Points, receive 75,000 bonus Altitude Rewards Points when you spend $3,000 or more on eligible purchases within 90 days of approval and an additional 25,000 bonus Altitude Rewards Points if you keep your account open for more than 12 months and continue to use the card
  • Overseas Travel Insurance, Purchase Protection etc.
  • Apple Pay, Google Pay, Samsung Pay Support
  • 2 Altitude Points per $1 on international spend, 1.25 Altitude Point per $1 on everyday spend, and 1 Altitude Point per $1 on all other eligible spend, capped at $5,000 per statement period. Then 0.5 per $1 thereafter
  • Annual Fee: $99 for the first year, $175 p.a.

Offer not available if you’ve held an Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas or Velocity in the last 24 months. T&Cs apply.

Westpac is offering up to 100,000 Altitude Rewards Points plus a reduced card fee of $99 (reverts to $175 p.a.) in the first year for new cardholders of the Westpac Altitude Rewards Platinum Card.

The Altitude Platinum is the mid-range card within the Altitude range with an ongoing card fee of $175 p.a. and is available in both the Altitude Rewards and Qantas variants. This guide specifically looks at the Altitude Rewards variant.

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

The bonus is split into two parts, with the first 75,000 bonus Altitude Rewards Points to be received after spending a minimum of $3,000 on eligible purchases within 90 days from approval and an additional 25,000 bonus Altitude Rewards Points after your first eligible purchase in year 2.

It is worth knowing that Altitude Rewards points are transferable to Velocity, KrisFlyer and Asia Miles on a 3:1 basis. This means that the current total bonus of 100,000 Altitude Rewards Points are equivalent to ~33,000 points when transferred to the aforementioned programs.

Details of the Westpac Altitude Rewards Platinum Credit Card

Card Details

CardWestpac Altitude Platinum
Loyalty programAltitude Rewards
Points earned from spend2 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 insurancesExtended Warranty & International Travel Insurance (PDS)
Points Capuncapped
Overseas transaction fee3.0% of the converted amount
Card fee$175 p.a. ongoing
Mobile walletApple Pay, Google Pay and Samsung Pay

Effective Frequent Flyer Program Point Earn Rates

Frequent Flyer ProgramInternational SpendEveryday SpendOther Eligible Spend
Velocity Points
(transferred from Altitude Rewards)		0.66 points / $0.41 point / $0.33 point / $
Singapore Airlines KrisFlyer miles0.66 miles / $0.41 Mile / $0.33 Mile / $
Cathay Pacific Asia Miles0.66 miles / $0.41 Mile / $0.33 Mile / $
Everyday Rewards1.32 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 $50 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 3 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

The Altitude Rewards Platinum Card comes with a range of insurances, including overseas travel insurance for trips of up to three months, transit accident insurance and extended warranty. You should check the descriptions for each policy if you plan to rely on them. Read the PDS for the Westpac Altitude Platinum here.

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.

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.

Up to 100,000 bonus Altitude Rewards Points plus a reduced first-year card fee with the Westpac Altitude Rewards Platinum Credit Card was last modified: November 18th, 2025 by
Community Comments

    1. The terms and conditions correctly state that the following do not earn points:

      ATO payments; i.e. payments using your Altitude Qantas Visa Card or Mastercard®; Altitude Qantas Platinum Visa Card or Mastercard; Altitude Qantas Platinum Plus Visa Card or Mastercard; and Altitude Qantas Black World Mastercard® designated as an ATO payment or Card Payment Fee

      So ATO payments on the Mastercard don’t earn points but the American Express does.

      Reply

      1. sorry, I am referring to the Platinum Visa, you are referring to the Amex.
        It is this sites Credit Card table which needs updating. Its very clear from the terms and conditions that the Credit card table is wrong. I rang Westpac last night, and the guy said, Car Registrations definitely does not earn points as an example, but he thought that local government utilities might be ok. He did clarify that he has no definitive list and just up to me to try it out.

      2. Thanks Mark! We have updated the Credit Cards table to make sure it’s clear that only the Amex variant of the Westpac Platinum Visa earn points on government spend.

  4. If I already have AMerican Express Card not issued by a bank but directly from AMEX, Can I apply for WestPack AMex and get bonus?

    Reply

    1. We have been informed by Westpac that holding an American Express-issued card would not preclude you from earning the bonus points on a Westpac American Express card.

      .

      Reply

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