Westpac Altitude Platinum Credit Card Review, 120,000 Bonus Points and Travel Perks for Aussies

Rewards & Bonus Points

The Westpac Altitude Platinum Credit Card delivers a strong points game for Aussies who travel or spend online. New cardholders can earn up to 120,000 bonus Altitude Points when they meet the initial spend criteria, making it one of the more generous introductory offers on the market.

Ongoing earning is straightforward: up to 3 Altitude Points per $1 on eligible flights and 2 points per $1 on selected overseas and subscription spend, with 1 point per $1 on everyday purchases. These Altitude Points are flexible — redeem for cashback, gift cards, travel bookings or transfer to frequent flyer partners like Velocity and KrisFlyer.

Fees, Rates and Value

The card comes with a promotional first-year annual fee and a standard annual fee thereafter, so it pays to plan. For many Australians the value comes from the points and travel perks outweighing the AU$ fee, but you should factor in the variable interest rate if you ever carry a balance.

There’s up to 45 days interest-free on purchases if you pay in full each month, and cash advance rates are higher as usual. To get the most value from the Westpac Altitude Platinum Credit Card, target the bonus categories and clear the balance monthly to avoid interest eating into your rewards.

Travel Protection & Perks

One of the biggest draws for travellers is the suite of complimentary insurance covers that come with the card. Overseas travel insurance, transit accident cover, purchase security and extended warranty protections are all included, giving peace of mind when you’re travelling interstate or overseas.

Best of all for frequent travellers, the card offers no foreign transaction fees on overseas purchases, which can save a tidy sum compared with standard cards. Combine that with concierge access and mobile wallet compatibility and you’ve got a card built for Aussies who value convenience and travel savings.

How to Apply and Tips to Maximise

Applying is straightforward online, and Westpac usually gives a quick decision if your documentation is in order. Eligibility typically requires Australian residency or citizenship, a minimum income threshold and no recent Westpac rewards card relationship — check the product terms before you apply.

To maximise rewards from the Westpac Altitude Platinum Credit Card, concentrate spend on Qantas and eligible travel, hit the initial spend window to secure the 120,000 bonus Altitude Points, and redeem strategically by transferring to frequent flyer partners when transfer bonuses appear. Regularly review promotions and use the Westpac app to monitor points and manage payments.