• Rewards
• Insurance
• Additional Benefits

Credit Savvy

Westpac’s lending policies and guidelines are designed to ensure we lend responsibly. Make sure the credit limit you apply for is realistic and you have checked the interest rates, fees and charges on your selected card before you apply. Always aim to pay off more than your minimum monthly repayment amount as making minimum payments is not an effective way to manage credit card debt. There can be reasons, such as job loss or illness, which can mean that even the most responsible borrower might get into temporary financial difficulty. If you find yourself in this position, just call us on 1300 651 089.

Things you should know

Altitude Platinum Conditions of Use (PDF 268KB)

Altitude Platinum Concierge Service Terms and Conditions (PDF 257KB)

Altitude Platinum Credit Card Insurance Policy (PDF 212KB)

Altitude Platinum Rewards Terms and Conditions (PDF 499KB)

Fees Overview

Information current as at 24 January 2011. Important: Customers with Westpac packaged or switched credit cards or Westpac Group Employees are not eligible for the special balance transfer or 15,000 bonus points offers. Credit card applications are subject to Westpac's normal lending criteria. Fees and charges payable and subject to change. Please read our Terms and Conditions, these may be varied or new terms and conditions introduced in the future.

1. If you obtain a credit card as part of a Westpac package, or switch from an existing Westpac card, you are not eligible for the bonus points described. This promotion is not available in conjunction with any other promotion. The extra Altitude rewards points, offered at the time of application, will be added to your account within 3 business days of your first purchase being debited to your account.
2. The earning and redemption of Altitude points (including available rewards and expiry of points) is subject to the Altitude Platinum Rewards Terms and Conditions (PDF 479KB. Altitude points are not earned on cash advances You do not receive points if your card account is in arrears for 2 consecutive statement cycles. You are not entitled to points in other circumstances – see Altitude Platinum Rewards Terms and Conditions (PDF 479KB). You must have earned a minimum of 3,000 points before you can redeem for any rewards.
3. Altitude Platinum Concierge Service Terms and Conditions apply.
4. Annual card fee is subject to change.
5. This promotional rate is available to customers who are applying for Altitude Platinum card and request at application, to transfer the balance(s) from non-Westpac credit card(s), charge card(s) or store card(s). This promotion is only available at point of application. Subsequent balance transfers will be charged at the standard purchase interest rate currently 19.99% p.a. and will be treated as purchases with no interest free days applying to them. Payments you make are first applied to any balance transfer amounts attracting the promotional interest rate before to any other purchase or cash advance balance, so the balance attracting the promotional rate will be paid off first.
6. Complimentary insurance covers are issued by Zurich Australian Insurance Limited ABN 13 000 296 640 AFSL 232507 (Zurich) to Westpac Banking Corporation under separate Master Policies. Zurich is liable for separate risks insured and benefits of the covers are extended to Westpac card holders (as third party beneficiaries) as complimentary benefits. Cover is subject to the terms and conditions and exclusions of the policy. Limits apply. No Westpac Group company has any liability in connection with the insurance policies. Read the Altitude Platinum Credit Card Insurance Policy (PDF 212KB) for full policy wording.
7. Altitude bonus points are earned on purchases made at participating Australian Bonus Partner outlets only unless stated otherwise.
8. You must be a member of the relevant airline loyalty program to redeem Altitude points for air points or miles. Under the Altitude Rewards Terms and Conditions, you must have earned at least 3,000 Altitude points before you can redeem them for air points or miles. You must redeem a minimum of 3,000 points with additional increments in multiples of 500 points at a time for air points or miles. Award flights are subject to capacity controls and availability is limited. Some flights may not have any Award seats available. The terms and conditions of the relevant airline loyalty program apply.
9. Points Plus Pay requires a minimum of 3,000 Altitude points and a minimum payment component of $5. The option will not be available to redeem the Altitude annual fee rebate or to redeem other Bank related products, air points or miles. Terms and Conditions apply.
10. Altitude Travel gives you access to most major domestic and international airlines within and from Australia and their connecting partner airlines. As with booking through a travel agent, in certain circumstances seats may not be available on the airline or flight of your choice at the time you wish to travel. Terms and conditions apply and surcharges. For further details call Altitude Travel on 1300 887 820.
11. The Product Disclosure Statement (PDS) & Financial Services Guide (FSG) (PDF220KB) will give you more information to help you decide if you want to take up this product. We recommend that you read the PDS and FSG and either print or save copies of them for your records. Credit Card Repayment Protection is issued by Westpac General Insurance Limited ABN 99 003 719 319 (WGIL) and Westpac Life Insurance Services Limited ABN 31 003 149 157 (WLIS) each of which is liable for the separate risks under the terms of the policy. This insurance product is distributed by Westpac Banking Corporation ABN 33 007 457 141 (the Bank). The policy is not an investment in or deposit with the Bank. No Westpac Group Company (other than the Bank as policy distributor and WGIL and WLIS as product issuers) has any liability in connection with the policy or this document. The Bank does not guarantee the benefits under the policy
12. A cash advance fee applies. Foreign transaction fees may also apply.

American Express is a registered trademark of American Express. This card is issued and administered by Westpac Banking Corporation.

Visa^® is a registered trademark of Visa Worldwide PTe Limited.

MasterCard^® and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.

PayPass^TM is a Trademark of the MasterCard^® International Incorporated.