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Westpac Altitude Credit Card

The Westpac Altitude Reward credit card takes a no frills approach to rewards with a focus on delivering good Altitude Reward point earn rates, at a reasonable annual fee of $100.

Introductory Offer: Get up to $20 off every 3rd Uber ride on your new Altitude credit card (Maximum $250 in free rides).

Offer conditions: Open to new applications made before 31st January 2018.

Cardholders can select between 2 reward options, Altitude Rewards or Altitude Qantas Rewards

Points earned per $1 spent on purchases are at the mid end of the range, plus they do not expire but there is a cap of 5,000 points per statement period for Altitude Rewards and 2,500 Qantas Points for the Altitude Qantas Rewards option, this excludes any bonus points:

Altitude Rewards Option

  • Altitude Visa reward points earn rate: 1 Altitude point per $1 spent 
  • Altitude American Express reward point earn rate: 2 points per $1 spent

Altitude Qantas Rewards Option

  • 0.5 Qantas Points per $1 spent with your Altitude Visa
  • 1 Qantas Point per $1 spent with your Altitude American Express

The Altitude Reward program is both flexible and rich with choices, points can be redeemed for an ever increasing range of goods and services and points can also be transferred to a selection of Airline partner programs which include Virgin Velocity Frequent Flyer, Singapore Airlines KrisFlyer, Cathay Pacific Airmiles, Malaysia Airlines Enrich Program and Air New Zealand Airpoints.

The Westpac Altitude Credit Card unapologetically focuses on rewards, but still comes packed with all the essential credit card features:

  • Up to 45 interest free days on purchases - providing you pay off your balance in full every month including any balance transfer amount. 
  • Low minimum income level - $30,000 p.a. to be eligible to apply
  • Additional Card Holder - Add an additional card holder for $0
  • Card Security - covered by Fraudshield and Fraud Protection by Falcon.
  • Visa payWave - provides the convenience of tap and go quick payments on transactions up to $100.
Credit Card Details
Provider Westpac
Prestige Level Standard
Credit Card Type Visa
Instant Approval Yes in 60 seconds
Standard Rates
Purchase Rate 20.24%
Cash Advance Rate 20.74%
Interest Charged From Purchase date
Interest Free Period Up to 45 days
Balance Transfer
Balance Transfer Rate -
Balance Transfer Period -
Balance Transfer Fee -
Balance Transfer Processing Time -
Max. Balance Transfer -
Revert rate -
Intro Offer Get up to $20 off every 3rd Uber ride on your new Altitude credit card (Maximum $250 in free rides).
Offer end date 31st January 2018
Rewards Program Altitude Rewards or Altitude Qantas Rewards
Rewards Points Altitude Reward Program: AMEX $1 = 2 Altitude points, Visa $1 = 1 Altitude point. Altitude Qantas Reward Program: AMEX $1 = 1 Qantas Point, Visa $1 = 0.5 Qantas Points
Acceptance Criteria
Age to Apply 18
Min. Income $30,000
Residency Australia
Temporary residents Yes with 457 Visa & $50,000 p.a. Income
Min. Credit Limit $500
Joint applicants No
Fees & Terms
Min. Monthly Repayment $10
Annual Fee $100
Over Limit Fee $15
Duplicate Statement fee $7.50
Late Payment Fee $15
Min. Monthly Repayment % 2%
Max. Credit Limit $30,000
Cash advance fee 2% of transaction value or a minimum charge of $2.50
Additional card holder fee $0
Travel & Insurance
Foreign currency conversion fee American Express: 3.5% of transaction value. Visa: 3.0% of transaction value
Overseas atm withdrawal fee $5
Complimentary travel insurance No

What happens when I click "Go to site"?

  • 1

    Clicking Go to site will direct you to the providers web site

  • 2

    Complete the online application on the providers web site

  • 3

    Once approved the provider will issue your new product, delivery times will vary by provider.