Westpac Altitude Platinum Credit Card

Moneybuddy says

The Westpac Altitude Platinum Credit Card is much more than just your average credit card. With this credit card, be rewarded for your spending, indulge with complimentary platinum concierge service and be protected with included overseas travel insurance cover. For a limited time Get 50,000 bonus Qantas or Altitude points when you spend $2500 within 90 days of card approval. Bonus points do not count towards the points cap. But if you would usually earn less points that this per month it shouldn't be a problem for you. Westpac are also offering 1% p.a. for 12 months on purchases and 0% p.a for 16 months on balance transfers. This offer is for online applications only. Offer ends Jan 30th, 2017.

The Basics

Card class Visa / AMEX

Card type Credit card

The cool stuff: features

Reward program Yes

Reward program name Altitude Rewards Program

Reward program details Earn 2 Altitude points per $1 spent on purchases on your Altitude Platinum American Express® Card for maximum points earning. Earn 1 Qantas point per $1 spent on purchases on your Altitude Platinum Visa. You can redeem your Altitude reward points (minimum 3,000) for a wide range of rewards and you can also use your Altitude points to redeem frequent flyer points from 5 different frequent flyer programs; Virgin Australia’s Velocity, Malaysia Airline’s Enrich, Air New Zealand Airpoints, Singapore Airlines KrisFlyer, Cathay Pacific AsiaMiles. Points capped at 7,500 per statement cycle.

Reward program terms The earning and redemption of Altitude points (including available rewards and expiry of points) is subject to the Altitude Rewards Terms and Conditions. Altitude points are not earned on cash advances or purchase of gambling chips. You do not receive reward points if your card account is in arrears for 2 consecutive statement cycles. You are not titled to points in other circumstances. You must have earned a minimum of 3,000 points before you can redeem reward points for any rewards.

Additional card holder Yes

Add. card holder details Add one additional cardholder (16 years or older) at no extra cost

Purchase security Yes

Extended warranty Yes

International travel insurance Yes

Online access -

Phone access -

The Facts & Figures

Purchase rate p.a. 20.24%

Cash advance rate p.a. 20.74%

Introductory purchase rate p.a. 1.00%

Introductory purchase rate period (months) 12

Introductory balance transfer period (months) 16

Balance transfer rate p.a. -

Introductory balance transfer rate p.a. 0%

Interest free days 45 days

Minimum repayment -

Min. credit $6,000

Max. credit -

Cash advance limit -

Cash advance limit period

The ugly stuff: fees

Reward program fee -

Late payment fee $9

Atm fee -

International transaction fees Yes

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Warning: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Westpac says

Earn Altitude rewards points on eligible purchases and enjoy the convenience of a platinum concierge service as well as a range of complimentary insurance covers.

Key features

  • Earn Altitude points, which you can redeem for a range of rewards, enticing travel packages and experiences
  • Two cards included American Express and Visa
  • A range of complimentary insurance covers such as overseas travel insurance, purchase security insurance and extended warranty insurance
  • 0% p.a for balance transfers up to 16 months
  • Get 50,000 bonus Qantas or Altitude points when you spend $2500 within 90 days of card approval
  • 1% p.a on purchases for 12 months from card approval
  • Apply by Jan 30th, 2017.

Pros

  • Two cards linked to one account
  • Complimentary Platinum Concierge Service 24/7 worldwide
  • Up to 45 days interest free
  • 1% on purchases for 12 months
  • 0% p.a for balance transfers up to 16 months
  • 50,000 bonus Qantas or Altitude points when you spend $2500 within 90 days of card approval
  • Offer ends Jan 30th, 2017

Terms & conditions

Earning and redeeming Altitude rewards points on Altitude credit cards is subject to the Altitude Rewards Terms and Conditions. Points capping may apply. You do not receive Altitude points on balance transfers and cash advances and in other circumstances – refer to Altitude Rewards Terms and Conditions. *bonus Qantas or Altitude points apply when you spend $2500 within 90 days of card approval

 

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