Altitude Platinum Mastercard held pre-2019 (no longer for sale)
Latest Information
The Altitude Platinum Mastercard credit card that Westpac offered pre-2019 is no longer available for sale.
Essentials
Points earned per $1 spent on eligible purchases
- 1 point - Altitude Platinum Mastercard
- An annual $75 Qantas Rewards fee applies for customers who choose to earn Qantas Points through the Altitude Qantas rewards program.
Insurance 4
- Complimentary insurance cover. 4
Variable interest rates
- 20.99% p.a. on purchases
- 21.99% p.a. on cash advances.
Interest free days and more
- Up to 45 days interest free on purchases when you pay the closing balance (excluding any promotional balance transfer amount) in full by the due date shown on your statement
- Minimum card limit $6,000
What is a statement cycle?
The period from one statement date to the next statement date is called the monthly statement cycle. The statement date is the date your statement is issued.
Rewards
Earning reward points:
Earn 1 Altitude Point per $1 spent on purchases on your Altitude Platinum Mastercard®
Redeeming Altitude Points
You can redeem your Altitude reward points (minimum 3,000) for a wide range of rewards, including:
- Technology, including products from Apple, Sony and Bose
- Homewares, including products by Dyson, Kitchenaid and Tefal
- Gift cards and retail vouchers, including from Westfield, David Jones, Myer, Harvey Norman and Bunnings.
You can also use your Altitude points to redeem frequent flyer points from 4 different frequent flyer programs:
- Virgin Australia’s Velocity
- Air New Zealand Airpoints
- Singapore Airlines KrisFlyer
- Cathay Pacific AsiaMiles.
You must be a member of the relevant frequent flyer program to redeem Altitude Points for frequent flyer points. The Altitude Terms and Conditions and the terms and conditions of the relevant frequent flyer program apply. Availability of award flights may be limited.
You can redeem your Altitude Points via the Altitude website. Simply, sign in to Westpac Online Banking or the Westpac App, select or search Rewards & Offers, click Altitude Reward Points and follow the prompts.
You can also call the Altitude Rewards Centre on 1300 887 820 (Monday–Friday, 8am–8pm AEST, excluding National Public Holidays).
Earning Altitude Points on all Altitude Platinum credit cards
For each statement cycle a points cap of 7,500 points apply. Bonus points do not count towards the points cap.
What is a statement cycle?
The period from one statement date to the next statement date is called the monthly statement cycle. The statement date is the date your statement is issued.
Features
Complimentary Insurances4
Access to Interstate Flight Inconvenience Insurance and Rental Vehicle Excess in Australia cover, up to 3 months’ complimentary cover for international travel insurance, plus extended warranty, purchase protection for up to 4 months and overseas transit accident insurance. (terms, conditions, exclusions and eligibility criteria apply).
Fees
Fees overviews
| Fees (these may change) | Amount |
|---|---|
| Annual card fee | $150 |
| Qantas Rewards fee |
$75 (Altitude Qantas only) |
| Foreign Transaction Fee | A Foreign Transaction Fee is payable as a percentage of the Australian dollar value of any Foreign Transaction. The percentage will vary depending on the applicable credit card scheme: 1. Transactions in foreign currency
2. Transactions in Australian dollars and the merchant or financial institution accepting the card is located overseas:
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. |
| Cash advance fee | An administrative charge of 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 may be payable each statement cycle that the whole of the minimum monthly payment is not paid by the statement due date. If charged, the Missed Payment Fee will be debited to your account. |
| Overlimit fee | If your card account was opened before 4 June 2012, a fee of $15 may be debited from your credit card account every time you exceed your credit limit during a statement cycle. It is debited from your account in that statement cycle, on or after the day(s) your credit limit is exceeded. This fee may also be charged whenever your account is over limit at the commencement of a statement cycle. |
| Non-Westpac Group ATM fee | Although not a Westpac fee, using your card in a non-Westpac Group ATM may result in a charge to you. Avoid this fee by using one of Westpac’s extensive network of ATMS across Australia (including any St.George, BankSA and Bank of Melbourne ATMs) . Find a Westpac Group ATM. |
| Credit card surcharge | In some instances, businesses may administer a ‘surcharge’ for credit card payments. Usually, these are a percentage fee of your purchase amount. Ask the merchant if a surcharge applies and how much it is before paying if you’re unsure. |
Rates
| Transaction | Interest rates |
|---|---|
| Purchases | 20.99% p.a. (variable) |
| Cash advances | 21.99% p.a. (variable) |
Details
Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.
Credit Card Repayment Protection
Important note: Credit Card Repayment Protection is no longer available for new sales. The following product information is for existing policyholders.
Credit card repayment protection is optional insurance that could help make your repayments if you unexpectedly lose your job, or can’t work because of illness or injury. It could also pay off your outstanding balance (up to $50,000) if you pass away.
If you are a policyholder, your monthly premium appears in your credit card transactions as “Credit Card Repayment Protection” and may be subject to credit card interest charges.
Policy limits and exclusions apply which mean you won’t be covered in some instances as set out in the Product Disclosure Statement (PDS) or policy wording, for example: voluntary redundancy or resignation, if your employment ceases at the end of a contract, or if you’re aged 66 years or over.
To find out more or make a claim; simply visit westpac.com.au/ccrp or call us on 1300 369 989.
Contact us
Please feel free to contact us anytime on 1300 367 228.
Things you should know
Westpac Credit Cards Complimentary Insurance Policy (PDF 898KB)
Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
Important note: Credit Card Repayment Protection is no longer available for new sales. The following product information is for existing policyholders.
Credit Card Repayment Protection, Flexi Loan Repayment Protection and Personal Loan Protection are issued by Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (AAIL) (issuer of the unfit for work and job loss covers) and TAL Life Insurance Services Limited ABN 31 003 149 157 AFSL 233728 (TLISL) (issuer of the death cover).
TLISL is part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL).
Westpac is a trade mark of Westpac Banking Corporation ABN 33 007 457 141 and is used by AAIL and TLISL under licence.
This information does not take into account your personal circumstances, so please consider the Product Disclosure Statement or policy wording. To obtain a copy please call 1300 369 989.
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 Complimentary Insurance Policy Information booklet (PDF 898KB) 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.