Westpac Altitude Platinum

Wespac Greed – Spoke with multiple people over a couple of weeks to try and negotiate a reduction on yearly card fees. One time I was on hold for 44 minutes. Each time I was offered a different reason. " Qantas charge the $75 yearly fee" another person said " the $75 is a Wespac fee" " if you have had fee reductions before, we can't do it again" " if you have a… Read more

mortgage with us we can waive the fee" Bottom line is Wespac was not willing to negotiate and with multiple incorrect excuses, people should be aware of their poor customer service. PS, look out for record breaking profits this year..

Great experience – I have held a range of credit cards and this has been my favorite. I am not saying it was perfect but compared to others, its a winner. The standouts for me were: ability to cancel the card when I needed to. I found the app easy to use, I was notified of when my statement was due, when I had run out of funds. No sneaky fees. The downsides are: the… Read more

approval process was more onerus than others, there are fees using overseas (note this is the same as other cards except HSBC). I will definitely use Westpac in future

GREEDY, HIDDEN FEES. ALMOST A SCAM – Westpac is a rip-off! They sneak in a 3% fee on international purchases, which is outrageous for a platinum account. Even small banks don't pull this crap. Customer service is useless, hiding behind small print excuses. I'm done with them—canceling all my accounts. Westpac is greedy and deceptive. Stay away! Show details

Brilliant service – I recently had to cancel our cruise, due to illness. Westpac Complimentary credit card insurance was brilliant; I submitted my claim one day and had a confirmation of payment the following day, with the money credited to my account about 4 days later. I have found Allianz so easy to be insured with. Show details

Great credit card with good Qantas points promo – I have had no issues with this card and signed up during the bonus Qantas FF points promotion. However although my points did come through, it took nearly 7 months for this to happen, way past the original deadline. I had to chase up a few times hence why only 4 stars.

Worst credit card around – Second review of this product as i've now experienced another major issue. Westpac claim in the T&C's that if you have any fraud issues you can simply "Call us 24/7 on 1300 651 089 if you are in Australia". THIS IS FALSE. The phone line takes you through numerous options menus before stating something to the effect of "nahhh just live chat us".… Read more

Great. Being out rural and on the road. I'd love to find some signal and pull over. Live chat took nearly 40 minutes to ask me the same questions over and over despite my initial explanation clarifying all of this information. They then gave me a phone number. On hold for 30 mins and counting. Never use. disputing the card fee then going to close. Keep your money under a mattress.

Application took more than a month to process, Ridiculous! – Wanted to give Westpac a go due to their credit card offer, the online application process was poor and not user friendly, received conditional approval after few days and provided verification documents shortly after, but the application has been going for more than a month and it is still ongoing, I could have gotten a mortgage with that duration, poor service and considering cancelling my application Show details

Dishonest and deceptive advertising – I signed up for this credit card in November 2022. The offer included a bonus of 100,000 Qantas frequent flyer points providing $3000 was spent on the card within the first 3 months. Both Qantas and Westpac acknowledge I met this criteria. However, after 5 months when the frequent flyer points had not been credited to my account I began to… Read more

experience major issues. Westpac indicated that it was not their problem, it was all to do with Qantas. After numerous hours on the phone to Qantas, being disconnected several times while on hold, and then being given conflicting advice, I was informed that the 100,000 bonus points were not Qantas FF points, rather they were Altitude FF points and these points could not be transferred to Qantas.

When signing up for this card the website indicated it was a Qantas Platinum Credit Card, the Qantas logo was on the website and there was no mention of these bonus points not being Qantas. Interestingly, the website has recently been changed and this information has now been deleted. Fortunately, I have a photo of the original website with the Qantas name and logo.

I lodged a formal complaint with Qantas over 5 weeks ago but have heard nothing in reply. I have contacted Consumer Affairs Victoria who suggested I contact ASIC.

I believe Westpac and Qantas have advertised this product in a dishonest and deceptive manner. My advice to future customers: DO NOT GET THIS CARD, IT IS NOT WHAT IS ADVERTISED

Disaster - can't use overseas – Every transaction I make overseas is flagged as "suspected fraud" so the card is completely useless as I can't actually use it as it keeps declining legitimate transactions. I notified WestPac before I went away and have contacted them twice since coming away. The issue persists. Awful. ***UPDATE*** EVEN WORSE than first realised. Using online… Read more

such a hassle, "dynamic" cvc code means you have to log in to the app, load the card details every time you enter card info AND then wait for an 8 digit OTP. Makes really small, simple transactions far more complicated than needed

Pretty impossible claim process with wrong transactions – Had already several wrong transactions, have sent a request for a refund. Got emails to answer within 10 days... Have sent all the information, and it was clear that it needs to be refunded. Got the reminder again, sent again several emails from different email addresses, got an email that they interact with the other bank. Now I got an email that… Read more

it was closed (3 month later and that they did not get the information, which I sent several times).

This happened now (I think the 3rd time), and renders the reason why I have a credit card worthless. All my replies have been sent from several different email addresses to ensure that they don't end up in spam... As for the first two claims, I guess I will do the same and give up as it will need ages in call hotlines, again all the paperwork, lost emails, and wasted time...

It's sad somehow, but a good way to not need to get engaged in the claims process and make customers give up ;)

Great high earning card with home loan package – I received the card under a home loan package. The rewards program is quite simple and accumulates quickly. The lounge pass access is a nice added bonus. I have not had to call customer service so can't speak on that front. Show details

Westpac Platinum Card – Have changed from black card to platinum because fees were going to come into force because we changed accounts and were offered new card with no fees for 1 year,I use this for most payments and pay back out of interest bearing account and limits the amount of interest I pay,gives rewards extends warranties on some items even though you have to… Read more

pay an excess on claim would not consider if under $200,same with car hire insurance also provides travel insurance but make sure you read the fine print,fees not to bad but I generally pay back quickly anyway.

It's worth having it for the Free Travel Insurance – The accrual of Frequent Flyer points for every payment is great. I get all my property insurance payments paid from my Westpac Altitude Platinum VISA. This now has helped me accrue over 120,000 frequent flyer points. I don't worry about any late fees because I have setup auto payments into it to cover my insurance payments. Also the free travel… Read more

insurance is wonderful with no upper limit for overseas medical expenses and up to $1000 for any emergency dental costs while overseas.

Looks good, til you try to actually redeem anything – I went through period where I paid for everything on my card. I got up to around 180k points and went to book return flight from Perth to Adelaide. My points got "me" only a one way and the flights offered were all the rubbish midnight flights. Credit card accounts and departments are designed to make it hard as possible to work out in black… Read more

white balancing the account, alot different to savings or transaction accounts so there is extra stress in managing it.

I still use the card but I don't care about points anymore I like that it includes complimentary travel insurance although now I am reading horror stories about QBE treating claims poorly for this insurance.

An OK card – Still waiting for the 60000 Qantas bonus points. They charge $50 extra for earning Qantas points though. Reduced first year annual fee. Earning rate is lower than other cards only 0.5 point per dollar. Foreign transaction fees and exchange rates not good. Show details

Good if there's bonus sign on offer – An ok platinum credit card just like any other ones. Signed up for this because of the bonus offer and first year annual fee waived. The FF earn rate is normal, other insurances offered are also more or less the same with sub par cards. One good thing about this card would be Westpac credit card offers (similar to amex spend X amount get X credit back). Though you don't it too often. Show details

Quick applying. Difficult to set up Autopay – Quick application process, but had to go to a branch to set up Autopay from another bank. Not as many discount offers as Amex, and I never found any offers useful for myself. Show details

Is linked to account and debit card which has been can been useful. Interest rate is a bit high – I have used overseas the card and was able to withdraw at most ATMs. Has had unauthorised use and bank did refund money. The conversion rate back to $Au dollars was fair. Show details

I love the rewards i reap with the points i earn! – I use my Westpac Mastercard for literally everything. All of my bills are set up to be debited and I pay all of my day to day expenses with my card. I always ensure that my card is paid off by the due date to avoid any interest being charged and the fees are minimal. I am constantly earning enough points for a $50 Woolworths voucher to put towards my grocery bill. There are loads of other options too, but this works well for me.

Large fees decent rewards – Fees are large and interest rate is huge. Rewards have been good. Used card overseas with no issues. Would love to change to lower interest rate card soon. This was prefect for my business when I first got it.

Westpac credit cards – We do use it overseas but we stack it up with our own money so we're not slugged with huge fees but when rules change so do cashing in for flights etc..... It used to be a great card at Westpac but it doesn't live up to the annual fees we pay Show details

Stay far far away from this product!!! – Final came to a point were I wanted to redeem some of my points. Now been over two weeks of waiting, customer support cant help at all and don't know what they doing, they cancel some cards and credit the points back to your account without notifying you. Support staff rude and unhelpful. Will definetly be moving to another Bank and product. Shocking shocking service. Now been told the cards will be dispatched after 10 weeks!!!! Show details

Not worth it at all – At first, I thought that this card would be amazing as it came with complimentary travel insurance. However, I learnt a good lesson: Make sure you check what sort of insurance company the credit card uses. We had experienced a few strands of drama while we were overseas, and we were relying on this complimentary travel insurance. When we tried to… Read more

claim for the expenses that incurred because of a cancelled flight, QBE insurance was not helpful at all. I started my claim over 8 months ago, and still had no luck with getting anywhere, and they are so rude and frustrating to deal with. I know that this has nothing to with Westpac itself, however, it does matter because this is their chosen insurance company. If the complimentary travel insurance is useless, there is no value in having this card.

Westpac Qantas Altitude Points 80,000 hasn't come through – Guys, Westpac got pathetic service when it comes to what they offer and what you receive.I am waiting for my 80,000 qantas point for the last 4 months and nothing has come through so far. I applied for card because there was an offer if you spend $5000 in first three months you will receive 80,000 qantas point, and I have spent $5000 in first two… Read more

month. DO NOT APPLY FOR THIS WESTPAC ALTITUDE CARD. HORRIBLE SERVICE THEY PROVIDE. I called them 3 times but nothing has been happened so far.

Thanks,

Lucky

0402 662 619

Do not book travel through Westpac Altitude or their affiliate pinpoint travel – Unfortunately we made the mistake of booking a trip through Westpac Altitude. Our trip was cancelled after a Cyclone destroyed the Island we were going to & Altitude/ pinpoint have been extremely unhelpful. The accommodation venue readily refunded our money however Altitude have refused to do the same for flights and transfers. They have… Read more

unhelpfully said they will give us a credit which comes with so many conditions for rebooking that we cannot seem to fulfil these and ever use this within the short time frame allowed. Ideally we would like to reuse it to travel to the island when it reopens however our 'credit' apparently cannot be extended the additional three months needed that would enable us to go there once the island is reopened. We have made repeated phone calls to try and resolve the situation, spent countless time on hold, and received inadequate customer service. Apparently it is very difficult to send us a confirmation of the 'credit' in writing so that we could try and recoup this money through our travel insurance - after several phone calls, more time on hold, and more useless customer service - this has been promised twice and still not delivered.

Pathetic response and I would never book through this service again.

I hope this is right. They increased the price for no reason and lowered value of Qantas points for no reason. Show details