Westpac Altitude Credit Cards

Looking for a Westpac Altitude credit card? The table below displays Rewards credit cards offered by Westpac that are part of their Altitude rewards program.

Joshua Sale

Group Manager, Research & Ratings

Nina Rinella

Editor-in-Chief

Instantly compare 140+ credit cards based on the inputs below

Westpac | Altitude Platinum - Rewards Option

BONUS

DISCOUNT

Link Not Supplied

0% currency conversion fee
Fraud protection

Fees & charges apply, Australian Credit Licence 233714 | ^#T&Cs apply

Westpac | Altitude Black - Rewards Option

BONUS

DISCOUNT

Link Not Supplied

0% currency conversion fee
Fraud protection

Fees & charges apply, Australian Credit Licence 233714 | ^#T&Cs apply

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The initial results in the table above are sorted by Star Rating (High-Low) , then Annual fee (Low-High) , then Provider Name (Alphabetical) . Additional filters may have been applied, see top of table for details.

About Westpac Altitude Credit Cards

Westpac is known as one of Australia’s “Big Four” banks and currently serves over 14 million customers worldwide. The company was established in 1817 as the Bank of New South Wales and is Australia’s first and oldest banking institution.

Westpac Altitude credit cards are Westpac’s rewards credit cards that allow you to earn either Altitude, Qantas or Velocity Points for money spent using the card. Westpac also provides a range of other types of credit cards (e.g. low rate, low fee and interest-free) as well as a range of banking and insurance products.

Each Westpac Altitude credit card differs in their perks depending on whether you get the Rewards, Qantas or Velocity version.

Westpac Altitude Rewards credit cards give you the opportunity to earn points per $1 on eligible spending. With Altitude Rewards credit cards you have the option to earn extra points with Westpac’s Accelerated Earn Partners, which includes Spotify, Emirates and David Jones.

Alternatively you can earn Qantas Frequent Flyer points or Virgin Velocity points through Westpac’s Qantas and Velocity cards by including your frequent flyer membership when applying. Keep in mind that both cards require an annual Altitude program fee of $50 on top of ongoing annual card fees.

Frequently Asked Questions about Westpac Altitude Credit Cards

Different types of credit cards may have different eligibility criteria. However, in general, to apply for a Westpac Altitude credit card, you must meet the following criteria:

at least 18 years old
an Australian/New Zealand citizen or permanent resident OR;
hold an acceptable Visa with a minimum of one year before its expiry
A verifiable Australian taxable income
a fixed, verifiable Australian residential address
have a good credit history
agree to a credit check

Before you apply, it could be a good idea to check your credit score.

For more information on eligibility requirements, visit the provider’s website.

First, check whether you are eligible to apply for a Westpac Altitude credit card. See above for the eligibility requirements.

If you meet the eligibility requirements, you can apply online or call Westpac on 1300 651 089.

Westpac also recommends having the following details when making an application:

At least two documents for proof of identity (such as an Australian driver’s licence, Medicare card or passport)
Current debts under your name (e.g. home loans, personal loans, other credit cards and instalment purchases such as zip pay or after pay)
Proof of income and employment (such as payslips and bank statements)
(if applying for Altitude Qantas or Velocity cards) Your frequent flyer member number
All your regular monthly expenses

You will have to activate your Westpac credit card when it arrives before you are able to use it. You can activate the card through Westpac’s online banking or via the Westpac App. If you are a new customer, you’ll need to register for online banking first. You can call 1300 308 930 to register.

Westpac Altitude credit card interest charges are applied at the end of each statement period, but are calculated daily based on the amount outstanding on the card at the end of each day.

Westpac credit card account balance is divided into categories: Purchase Balance, Cash Advance Balance, Balance Transfer Balance(s), Plan&Pay Balance(s), and Other Balance.

To obtain the daily interest charges, the outstanding balance for each category is multiplied by their applicable Annual Percentage Rate(s) divided by 365. Interest charges due at the end of each statement period are calculated by totalling the combined daily values across each day of the statement period.

Interest-free Period

At the time of writing, an interest-free period of up to 45 days is available on purchases with Westpac Altitude credit cards when you pay all outstanding balances by the payment due date between each statement period. This interest-free period will end immediately if the above requirement is not met.

Your credit limit for a Westpac Altitude credit card will be determined based on the information you provide in your application. Each credit card has their own minimum and maximum credit limits that are available. The initial credit limit of your credit card can be found in the Financial Table that can be found attached with your Credit Card Contract.

You can apply to increase or decrease your credit limit at any time either online, or by calling Westpac on 1300 651 089.

If you wish to decrease your credit limit, Westpac says your current limit must be higher than the minimum for your card and you cannot have any outstanding debt higher than your new limit.

You can close your Westpac Altitude credit card account online, via the Westpac App, over the phone on 132 032 or by visiting your nearest branch.

Your card balance will need to be repaid in full even after the card is closed. Westpac states that you will continue to receive monthly statements until your card balance is fully repaid.

Westpac also advises that unclaimed rewards points will expire in 90 days from the date on which your credit card account is closed.

You earn Altitude Points for each eligible transaction on your Westpac Altitude credit card. Points will be deducted if the transaction is refunded or reversed. The points are also awarded or deducted based on the earn rate applicable on the day the transaction is processed.

You will also not earn Points or be able to redeem Altitude Points if the minimum payment is not paid in full by the due date.

For Altitude Qantas and Velocity programs, the Points will be transferred and credited to your Frequent Flyer Program.

Ensure Westpac has all your frequent flyer details correct as incorrect details may result in earned Altitude Points that are not transferred into Frequent Flyer Points. When the Altitude Points are not transferred within 4 months of signing with the rewards program, the points will be forfeited.

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About the authors

Nina Rinella, Editor-in-Chief

As Canstar’s Editor-in-Chief, Nina heads up a team of talented journalists committed to helping empower consumers to take greater control of their finances. Nina has written countless articles about finance and has been interviewed on finance topics by media organisations including The Australian, Realestate.com.au, Domain, the Herald Sun and the Sydney Morning Herald. Previously Nina founded her own agency where she provided content and communications support to clients around Australia for 8 years. She also spent four years as the PR Manager for American Express Australia, and has worked at a Brisbane communications agency where she supported dozens of clients, including Sunsuper and Suncorp. When she’s not dreaming up ways to put a fresh spin on finance, she’s taking her own advice by trying to pay her house off as quickly as possible and raising two money-savvy kids. Nina has a Bachelor of Journalism and a Bachelor of Arts with a double major in English Literature from the University of Queensland. She’s also an experienced presenter, and has hosted numerous events and YouTube series. You can follow her on LinkedIn, Instagram or Twitter and Canstar on Facebook. Meet the Canstar Editorial Team. Have a media enquiry, and interested in featuring Nina as a financial expert and commentator? Contact Canstar’s Media Team today.

Joshua Sale, Group Manager, Research & Ratings

Joshua Sale is responsible for developing the methodology and delivering Canstar’s flagship Star Ratings, as part of Canstar’s Research Team. With tertiary qualifications in economics and finance, he enjoys helping Australians find more suitable financial products by transforming complex calculations into a consumer-friendly Star Rating that explains the values and benefits of different financial products. As one of Canstar’s company spokespeople, Joshua is confident participating in print, radio and broadcast journalism interviews. He has participated in interviews with the Australian Financial Review, news.com.au and Money Magazine, along with other leading media outlets, discussing topics such as home loan equity, banking incentive schemes, digital wallets and wider finance trends. You can follow Joshua on LinkedIn. Have a media enquiry, and interested in featuring Joshua as a financial expert and commentator? Contact Canstar’s Media Team today.

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Important information

For those that love the detail

This advice is general and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you.

Canstar may earn a fee from its Online Partners for referrals from its website tables, and from sponsorship or promotion of certain products. Fees payable by product providers for referrals and sponsorship or promotion may vary between providers, website position, and revenue model. Sponsorship/promotion fees may be higher than referral fees. If a product is sponsored or promoted, it’s an ad and it is clearly marked as such. An ad might appear in different places on our website, such as in comparison tables and articles. Ads may be displayed in a fixed position in a table, regardless of the product's rating, price or other attributes. The location of an ad doesn’t indicate any ranking or rating by Canstar. Payment of fees for ads does not influence our Star Ratings. See How We Get Paid to find out more.

The Credit Cards Star Ratings are updated daily based on product features at that date, except for the Overseas Travel profile which is updated annually. Current rates, product features and fees are displayed and may be different to what was rated. The results don’t include every provider in the market and we may not compare all features relevant to you. You can find a description of the initial sort order below the table. Depending on which card feature/use you are looking at, the results will be sorted as follows:

Low fee is sorted by Star Ratings, then lowest Annual Fee, then alphabetically by brand.
Rewards is sorted by Star Ratings, then lowest Annual Fee, then alphabetically by brand.
Frequent Flyer is sorted by Star Ratings, then highest airline points per dollar, then alphabetically by brand.
Balance Transfer is sorted by Star Ratings, then lowest balance transfer rate, then lowest rate for the longest period, then lowest revert rate, then lowest upfront fee, and then alphabetically by brand. Please note that Balance Transfer Star Ratings are not for balance transfer suitability but are instead based on the Low Rate profile.
All card types is sorted by highest Points per dollar spent, then lowest Annual fee, then alphabetically by brand.
Overseas Travel is sorted by Star Ratings, then lowest currency conversion on purchases, then lowest annual fee.

You can use the sort buttons at the top of each column to re-order the display. Learn more about our Credit Cards Star Rating Methodology and our Travel Credit Card and Travel Debit Card Star Ratings Methodology. The Occasional Overseas Traveller rating is shown in the table. The rating shown is only one factor to take into account when considering products.

The products and Star Ratings in the table might not match your exact inputs in the selector. Sometimes the methodology uses profiles with categories or bands (e.g. income, loan amount or monthly spend), but sometimes a single methodology, without any categories or bands, is applied. The results will show the products that most closely match your selection, based on our profiles. If you are unsure about any terms used in the comparison table please refer to the glossary.

What is a Target Market Determination?

A Target Market Determination (‘TMD’) is a document that explains which people particular financial products may be suitable for (the target market) and sets out any conditions around how financial products can be distributed to consumers.

Why do product issuers provide Target Market Determinations?

From 5 October 2021, TMDs are compulsory for most financial products.

Issuers and distributors of financial products must take reasonable steps that are likely to result in financial products reaching consumers in the target market defined by the product issuer.

We recommend that you consider the TMD before making a purchase decision. Contact the product issuer directly for a copy of the TMD.

Any advice on this page is general and has not taken into account your objectives, financial situation or needs. Consider whether this general financial advice is right for your personal circumstances. Canstar provides information about credit products. We’re not suggesting or recommending a particular credit product for you. If you decide to apply for a Credit Card, you will deal directly with the provider, not with Canstar. It’s important you check rates and product information directly with the provider. Consider the Target Market Determination (TMD) before making a purchase decision. Contact the product issuer directly for a copy of the TMD. For more information, read our Detailed Disclosure.

Before you elect to terminate or modify existing lending arrangements, it is recommended that you consider all associated fees and application costs, as well as the timing and impact these changes could have on your wider financial arrangements and personal circumstances.