Altitude Platinum Card by Westpac is one of the most used credit cards in Australia. It is issued by Westpac Banking Institution which is one of Australia’s big four banks and also the first and oldest bank in Australia.
Credit cards have become one of the most necessary financial tools in the present world. Do a quick survey around you and you will know how many people pay for their expenses using a credit card.
In this article, we will provide you with full details about the Westpac Altitude Platinum Credit Card including its features, fees, interest rates, and many more. So, let’s hop into it!
Features of Altitude Platinum Card
The Westpac Altitude Platinum card is a platinum reward credit card with complimentary insurance covers, bonus rewards point offers, and no caps on the points you earn.
The card gives you a bonus of 80,000 bonus points when you spend $3000 on any eligible purchases within the 90 days of card approval – that is to the new cardholders. Cardholders can earn 1 Altitude point and 0.5 Qantas points per $1 spent on all eligible purchases.
The Westpac’s Altitude Reward program provides you a wide range of redemption options including gift cards, cash backs with partner airlines, and online stores. The Platinum card also offers complimentary insurance covers for overseas travel and transit accidents. The insurance cover is subjected to the terms and conditions.
Users can also link their Westpac Altitude Platinum Cards with international wallets like Apple Pay, Samsung Pay, or Google Pay, in order to make fast and secure payments in stores.
Note: To be eligible for the bonus point offer, you must not have held a Westpac reward card in the duration of the last 12 months.
How to Apply?
You can apply for a Westpac Altitude Premium Credit Card by filling an online application form. Just tap the link to initiate the process and you shall receive a response within 60 seconds. Applicant must provide their personal details, employment details, and a statement of income and expenses to apply for the card.
Applicants are also required to submit a copy of their identification certificate – Australian driver’s license, Medicare card, or Australian passport will do the work.
Eligibility Criteria
To apply for a Westpac Altitude Premium Credit Card, the applicant must make sure that they meet the eligibility requirements first. The details of the eligibility criteria are mentioned below.
- Applicants must have at least $30,000 as their annual income.
- The applicant must be at least 18 years old.
- The applicant must be a permanent Australian resident.
Applicable Fees
The best part about the Westpac Altitude Platinum Card is its basic annual fee which is as low as AUD 150. Westpac also provides a huge margin of credit limits to its clients, which range from as low as AUD 6,000 and as high as AUD 50,000. Alongside, an AUD 15 fee also is charged if a payment is made past the due date.
Additionally, cardholders are also charged a 20.49% per annum interest rate on any purchase made through the card. Similarly, you are also charged with a 2% cash advance fee and 21.49% cash advance rate per annum, if you make any cash withdrawal with the credit card.
Also, a 3% foreign transaction fee is applicable for any kind of transaction made that uses a foreign currency, either overseas or within Australia as well.
The Bottom Line
The Westpac Altitude Platinum Credit Card is suited for point hunters looking for a credit card with a modest reward program and a low annual fee as well. However, with a relatively higher cash advance rates and purchase interest rates, it is better you avoid the cash withdrawals and clear your due balances every month.
If you have any query, you can get it resolved on call or by visiting the head office.
They can be reached at telephone number +61-2-9293-9270 and are located at 275 Kent Street, Sydney, NSW 2000.
Disclaimer: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.