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Planning your next big adventure and want to make the most out of your spending? The Westpac Altitude Rewards Platinum Credit Card is here to elevate your travel experiences, offering rewards that let you stretch your dollar further.
Whether you’re off to Bali for a cheeky getaway or planning an around-the-world trip, this card gives you the perks of travelling in style. From racking up points on everyday purchases to enjoying lounge access before take-off, this card is designed for Aussies who want more from their money.
Let’s dive into the key features of the Altitude Platinum and see how it can fit into your travel plans.
Why Choose the Westpac Altitude Platinum Credit Card?
The Westpac Altitude Platinum Credit Card is packed with rewards and travel perks that make it a top contender for those who love to get out and explore the world. Here are the main reasons why you should consider this card:
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Earn Travel Rewards with Every Dollar
One of the standout features of the Westpac Altitude Platinum is its generous rewards program. For every dollar you spend, you’ll earn Altitude points, which can be redeemed for flights, hotel stays, or even upgrades on your next trip. And the best part? There are no foreign transaction fees when you use the card overseas, so no more cringing when you check your statement after a trip!
Complimentary Travel Insurance
Whether you’re heading to Europe or a quick trip across the ditch to New Zealand, travel can be unpredictable. But with the Westpac Altitude Platinum, you can travel with peace of mind knowing you’re covered by comprehensive international travel insurance. This includes protection for lost baggage, delayed flights, and emergency medical assistance. It’s like having a little insurance policy in your pocket.
Airport Lounge Access
Nobody likes hanging around airports, but with the Altitude Platinum, you can at least wait in comfort. The card grants access to select airport lounges, so you can kick back with some complimentary snacks, catch up on emails with free Wi-Fi, or just escape the chaos of the terminal.
What to Consider Before Applying
While the Westpac Altitude Platinum Credit Card offers some fantastic benefits, there are a few things to keep in mind before you apply. It’s important to weigh the pros and cons, especially if you’re looking for a card that fits your spending habits.
Higher Interest Rates
If you’re the type to let your balance roll over from month to month, you might want to think twice. The purchase interest rate on this card is 20.49% p.a., which is on the higher side. It’s definitely worth paying off your balance each month to avoid paying hefty interest charges. After all, no one wants to blow their hard-earned rewards on interest payments!
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Annual Fee
The card comes with an annual fee of $150. However, if you’re someone who frequently uses the rewards, particularly for travel, this fee is easily offset by the benefits. For those who aren’t jet-setters, it might be worth considering whether the rewards justify the cost.
Eligibility Criteria
Before you get too excited and apply, make sure you meet the basic eligibility criteria for the Westpac Altitude Platinum Credit Card. Here’s a quick checklist:
- Age: You must be at least 18 years old.
- Residency: Australian residents only.
- Income: A minimum annual income of $30,000 is required.
- Credit Rating: A good credit history is essential—make sure your financial ducks are in a row!
Fees and Charges
As with any credit card, understanding the fees and charges is key to managing your account effectively. Here’s what you need to know about the Westpac Altitude Platinum:
Annual Fee
The annual fee is $150, but, as mentioned earlier, if you make the most of the card’s travel perks and rewards, this cost can be easily recouped.
Purchase Interest Rate
The card’s interest rate on purchases is 20.49% p.a., so you’ll want to avoid carrying a balance if possible. Cash advances attract an even higher rate of 21.49% p.a., so it’s best to steer clear of using the card for cash withdrawals.
Cash Advance Fees
If you do need to withdraw cash, keep in mind there’s a cash advance fee of 3% of the amount or a minimum of $2.50. Using your card for cash withdrawals can quickly become costly, so it’s best reserved for emergencies.
How to Apply for the Westpac Altitude Platinum Credit Card
Applying for the Westpac Altitude Platinum Credit Card is a straightforward process that you can complete online. Here’s a quick guide to get you started:
- Visit the Westpac Website: Head over to Westpac’s official website.
- Click “Apply Now”: Once you’re on the Altitude Platinum page, click the “Apply Now” button.
- Fill Out Your Details: You’ll be prompted to enter personal information, including your full name, address, and income details. Make sure everything is accurate to avoid delays.
- Review and Submit: Double-check your information and submit your application. Westpac will typically respond within a few business days.
Contact Information
If you have any questions or need help with your application, Westpac’s customer service team is just a phone call away. You can reach them at 132 032 or head to your nearest branch for assistance.
Frequently Asked Questions
1. How many points can I earn with the Westpac Altitude Platinum Credit Card?
You’ll earn 1 Altitude point for every dollar spent on eligible purchases, and there are often special offers where you can earn bonus points.
2. Are there any fees for using the card overseas?
No, the card doesn’t charge foreign transaction fees on overseas purchases, which is a massive bonus for frequent travellers.
3. Can I add an additional cardholder?
Yes, you can add an additional cardholder for a fee of $50 per year, which is a great option for families or couples.
4. How do I redeem my Altitude points?
You can redeem your points through the Westpac Altitude Rewards portal, where you can choose from flights, hotel stays, gift cards, and more.
The Westpac Altitude Platinum Credit Card offers fantastic rewards for those who know how to use them wisely. From complimentary travel insurance to generous points for everyday spending, this card could be your ticket to a more rewarding travel experience. So, what are you waiting for? Time to start planning your next adventure!
