Westpac Altitude Rewards Platinum (Waived annual fee for Westpac Customers)
Ended — kept for reference
This page is my best effort to summarise the card's terms from the information I found. Read the bank's terms for full details, or contact the bank if you have questions.
I'd like to use my bonus for:
Can I get this?
This offer is advertised to the public. Bonus conditions and the bank’s approval requirements still apply.
Can I get this bonus if I have held a card before?
I have not checked the waiting period for this bonus.
See the waiting rules for every Australian bank →What must I spend?
$3,000 within 90 days — about $1,000 per month.
Can I get the card?
The minimum credit limit is $6,000. This is the least the bank may let you borrow.
You must earn at least $30,000 a year.
Meeting the bonus rules does not mean the bank will approve your application. The bank must assess and approve the card separately.
How long is this available?
The listed end date has passed: 25 March 2025. Date comparison uses the Australia/Sydney calendar. The issuer’s closing time and timezone are not recorded. Check availability with the issuer.
Should I keep it after the first year?
Keeping the card costs $175 each year ($175 annual fee) — the first year was $0.
The year-two bonus is 30,000 Westpac points.
Ongoing earn: 1.00x Westpac points per $1.
Keeping pays off only if you meet the second-year conditions and use the points and benefits enough to cover $175/yr.
31,000 Krisflyer points at 1.5¢ a point − $0 in first-year fees. This is flight value, not cash. It assumes you earn the bonus and pay in full.
This offer has ended. I keep this page so you can check the old terms.
What this calculation assumes
- You make the required purchases and the bonus is paid.
- You pay the balance in full — any interest changes the outcome.
- The required spend is ordinary planned spending, not extra cost.
- You close the card before the next annual fee, or you decide keeping it is worth that fee.
Did this help you make a decision?
Terms and evidence
Full current terms
Offer terms
First Year Points
90,000 points
Westpac
Second Year Points
30,000 points
With $175 annual fee
Minimum Spend
$3,000
within 90 days (about 3 months)
Offer Expires
March 25, 2025
2 years ago
Ongoing Earn Rate
1.00x points per $1 spent
Fees
First Year Annual Fee
Free
Ongoing Annual Fee
$175
From year 2 onwards
Purchase Interest Rate
20.99% p.a.
The value above assumes you pay in full and never pay this. Any interest changes the outcome.
Benefit history (8 changes)
- Travel InsuranceUpdated May 2026
- Interest Free PeriodsUpdated May 2026
- Digital Card IssuanceUpdated May 2026
- Buy Now Pay LaterUpdated May 2026
- Transit Accident InsuranceUpdated May 2026
- Purchase Protection InsuranceUpdated May 2026
- Extended Warranty InsuranceUpdated May 2026
- Rental Vehicle InsuranceUpdated May 2026
Offer terms history (5 versions — old terms, for checking)
These are published versions of this offer's terms. Each version preserves the conditions available at that time.
Changes from terms version 4
Changes from terms version 3
Changes from terms version 2
Changes from terms version 1
First recorded terms
Captures behind the selected terms record — evidence for these terms, not a complete history of the named offer.
Archived notes
Earlier notes about this offer, kept as an archive — not current terms. Note dates are separate from terms publication dates.
- Expiration changed from 30/04/24 to 31/07/243 years ago
- Expiration changed from 01/11/23 to 30/04/24, Bonus from 100k to 90k3 years ago
- Second year annual fee increased from $150 to $1753 years ago
- Offer end date changed to 14th June 2023 due to fee changes https://www.westpac.com.au/content/public/wbc/en/personal-banking/credit-cards/reward/reward-card-changes.html3 years ago
- Offer extended to 29th June 2023, bonus lowered from 110k to 100k4 years ago
- Offer extended from 30/06/22 to 31/12/224 years ago
- Bonus reduced from 130k to 110k, offer extended rto 30/06/225 years ago
Discussion
About these ended terms (published 20 Mar 2025) — not the current offer.
Community and personal tools
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