Westpac
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.
Credit cardsBank updated 2 Sept 2026
At a glance
- Purchase rate
- 20.99%
- Cash advance
- 21.99%
- Interest-free days
- 45
- Annual fee
- $175 · discounted first 1 yr
- Foreign transaction fee
- 3.00%
- Rewards
- Altitude Rewards
§ 01 — Rates · 2
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Cash advanceInterest on cash advances | — | — | — | 21.99% | — | No Interest Free days |
| PurchaseInterest on purchases | — | — | — | 20.99% | — | Interest free days may apply |
§ 02 — Fees · 6
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Cash Advance Fee | Cash advance | 3.50% of transaction | — | — |
| Overlimit Fee | Event | No fee | — | $15.00 once per statement period if your credit card account was opened before 4 June 2012. No overlimit fee will be charged for personal credit card accounts opened on or after 4 June 2012. |
| Missed Payment Fee | Late payment | $20 | — | $20 each statement cycle that the minimum monthly payment is not paid by the statement due date. |
| Annual Card Fee | Periodic | $175 | Every 1 yr | $175 annual card fee Reduced First year Card Fee - New Existing Reduced First year Card Fee |
| Annual rewards program fee | Periodic | No fee | Every 1 yr | — |
| Foreign Transaction Fee | Transaction | 3.00% of transaction | — | 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 fi… |
§ 03 — Features
Extra repaymentsDigital bankingFraud protectionInstalment plans45 interest-free days1 additional cardsGarmin PayApple PayGoogle PaySamsung PayAltitude RewardsWestpac Lounge on ShopBackWestpac ExtrasComplimentary insurance
- · Westpac's Australian market-first Pay with Points feature will provide Westpac Altitude credit card customers with the flexibility to use their Altitude points to pay for their next (or all future) p…
- · Click to Pay - Online shopping made quick, simple and secure with Click to Pay.
- · Use our SmartPlan repayment planner to break large purchases or balances down into regular instalments while keeping interest-free days.
- · Uncapped rewards - The sky's the limit with no cap on earning points. Plus, earn points faster by adding one additional cardholder at no extra cost.
- · Minimum repayments : 2% of the closing balance outstanding, or $10; whichever is greater. If the closing balance is less than $10, it must be paid in full.
- · You can use your Card to make a Purchase or a Cash Advance or carry out a Balance Transfer from another Credit Card. You can use your Card in many places in Australia and around the world. Look for t…
- · Pay with Points: Use your Altitude Reward Points to pay for everyday or bigger purchases, you choose. Anywhere Mastercard� is accepted. Switch on and off in the Westpac App. T&Cs apply
- · Recurring payments - You may authorise a Merchant to charge recurring payments to your Card automatically without requesting your authorisation on each occasion.
- · Confirming and authorising transactions : There are a number of ways you may be able to confirm a transaction. These include: signing your name. Holding your Card in front of a contactless payment de…
- · Gambling blocks : If you wish to limit access to gambling services through the Card Account, please call us or log into your online banking and activate gambling block in the Card Services menu.
- · Statements : We will issue a statement for the Card Account to you every month unless the account has a balance of $10 or less and there has been no account activity in that month. You can choose to…
- · Want to bank with layers of defence? Explore the features of our everyday banking accounts. Start your banking today to find out how the Westpac Digital card with dynamic CVC can help protect you.
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Those having permanent residency in Australia/NZ OR being a non-resident or migrant and hold an acceptable Visa, with a minimum 1 year before expiry
- · Minimum income $30,000
- · Amount $3,000 to $50,000
- · Customer having a regular, verifiable Australian taxable income.
- · Customer having a fixed, verifiable residential address in Australia.
§ 06 — Run the numbers
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Published by Westpac under the Consumer Data Right, last changed by them on 2 Sept 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.