Westpac Altitude Platinum – Qantas

This platinum rewards card offers 60,000 bonus Qantas Points, a discounted first-year annual fee and complimentary insurance, but not many other frequent flyer perks.

The Westpac Altitude Platinum – Qantas is a frequent flyer credit card that earns 0.5 Qantas Points per $1 on eligible spending. While this earn rate is lower than some other frequent flyer cards, there is no points cap, meaning you won’t be limited if you spend a lot. When you shop with this card, you’ll get access to complimentary purchase protection insurance and extended warranty insurance – plus overseas travel insurance for future trips booked with this card.

If you’re a new customer, you can get extra value from the 60,000 bonus Qantas Points when you apply by 30 November 2021 and spend $3,000 on eligible purchases in the first 90 days of card approval. This offer also gives you a discounted $149 annual fee in the first year, which goes to $200 p.a. after that and includes a $50 Qantas Rewards fee.

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Amy Bradney-George

Last Updated Jul 23, 2021

60,000

Bonus points

20.49% p.a.

Purchase rate

0.5

Reward points

Per $ spent

$149 p.a.

Annual fee

for the first year ($200 p.a. thereafter)

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Details

Product Name	Westpac Altitude Platinum Qantas
Rewards program	Qantas Frequent Flyer
Balance transfer rate	0% p.a. for 18 months with 1% balance transfer fee
Balance transfer revert rate	Cash Advance Rate (21.49% p.a.)
Balance transfer limit	80% of available limit
Purchase rate	20.49% p.a.
Annual fee	$149 annual fee for the first year ($200 p.a. thereafter)
Interest-free period	Up to 45 days on purchases
Cash advance rate	21.49% p.a.
Min credit limit	$6,000
Max credit limit	$30,000
Card type	Mastercard
Foreign currency conversion fee	3%

Minimum income	$30,000
Available to temporary residents	Yes - Conditions apply
Joint application	No

Pros

60,000 bonus Qantas Points
0% p.a. for 18 months on balance transfers
$149 first-year annual fee ($200 p.a. thereafter)
Complimentary insurance covers include overseas medical and purchase security

Cons

Charges a 1% balance transfer fee
Only offers up to 45 days interest-free on purchases, as opposed to other cards with 55 days
0.5 Qantas Points per $1 spent is relatively low

Rewards program	Qantas Frequent Flyer
Bonus points	60,000
Rewards points per $ spent	0.5

Annual fee	$149 annual fee for the first year ($200 p.a. thereafter)
Minimum monthly repayment	2% of the closing balance or $10, whichever is greater
Late payment fee	$15
Foreign currency conversion fee	3%
Cash advance fee	2% or $2.50, whichever is greater
Overseas cash advance fee	2%
Additional cardholder fee	$0
Number of additional cardholders	1

Go to Westpac's site More info

Review by

Amy Bradney-George

[email protected]

Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

The Westpac Altitude Platinum – Qantas credit card has an ongoing earn rate of 0.5 Qantas Points per $1 spent, with no points cap. The 60,000 bonus point offer gives you enough for a return economy flight from Sydney to Auckland (36,000 points) or a return business class flight from Brisbane to Adelaide (55,200 points). You could also redeem your points for $300 worth of Woolworths Group digital gift cards (a total of 57,000 points for one $250 gift card and one $50 gift card).

Apart from the Qantas Points, this card can help you save you on costs with its long-term balance transfer offer and a discounted first-year annual fee. It also features a range of complimentary insurance options and contactless mobile payments.

How to apply

You can apply for the Westpac Altitude Platinum – Qantas card online in around 10 minutes. Start by checking that you meet the following eligibility requirements and have all the details and documents you'll need to fill out the application form.

Eligibility criteria

Minimum income. You must earn at least $30,000 to apply for this card.
New customer. The bonus points offer is only available to new cardholders.

Residency. This card is available to permanent Australian residents.
Age. You must be at least 18 years old to apply.
Qantas Frequent Flyer membership. You'll need to have an active Qantas Frequent Flyer account to be able to earn Qantas Points with this card. If you're not already a member, here's how you can sign up without paying the usual $99.50 joining fee.
Eligible balance transfer debt. You can transfer from $200 up to 80% of your available credit limit from up to 3 Australian credit, charge or store cards not issued by Westpac.

Required documents

Personal details. This includes your name, email address, living arrangements and a valid form of ID, such as your driver's licence number, Medicare card number or passport details.
Employment details. This covers your current employment status, job title, salary and your employer's contact details. You may also need to provide supporting documentation such as recent payslips, bank statements or tax assessment notices.
Financial details. This includes any other forms of income such as pensions or government payments, as well as savings and investments. You'll also need to share details of your existing debts and financial responsibilities, including an estimate of your living costs such as rent/mortgage payments, bills and groceries.
Reward options. You'll be given the choice of earning points through the Altitude Rewards program or the Altitude Qantas rewards program. To earn Qantas Points, select the Altitude Qantas option and enter your frequent flyer details. An annual rewards program fee of $50 applies for this option, which is included in the $200 p.a. annual fee cost.
Balance transfer information. To transfer a balance, you'll need to provide the account numbers of the cards you'd like to transfer, the provider's biller codes and the debt amounts.

Go to Westpac's site More info

Card benefits

60,000 bonus Qantas Points. Receive 60,000 bonus Qantas Points when you apply for a new Westpac Altitude Platinum card before 30 November 2021 and spend a minimum amount of $3,000 on eligible purchases within 90 days from card approval. The bonus points will be credited to your account within 12 weeks of meeting the spend requirement.
Discounted first-year annual fee. Save with a reduced annual fee of $149 for the first year when you apply by 30 November 2021. This reverts to $200 p.a. after the first year.

Balance transfer offer. Apply by 30 November 2021 and get 0% p.a. on balance transfers offer for 18 months, with a 1% balance transfer fee. You must request your balance transfer at the time you apply for this card to take advantage of this offer. Any remaining balance after the promotional period ends is subject to the cash advance rate.
Qantas Points per $1 spent. This card earns 0.5 Qantas points per $1 you spend on eligible purchases, uncapped, if you choose the Altitude Qantas rewards option when you apply for the card (or afterwards by calling Altitude Rewards on 1300 887 820). Eligible purchases cover most of your everyday spending, however, transactions that won't earn points include cash advances, balance transfers, BPAY payments and payments to the Australian Taxation Office.
Complimentary insurances. You get a wide range of insurance covers with your platinum credit card. You can benefit from overseas travel insurance that includes medical expenses, lost or damaged property, personal liability, and more. You'll also enjoy transit accident insurance, purchase security insurance and extended warranty coverage.
Additional cardholder. Earn points faster by adding 1 additional cardholder for $0.
Mobile payment technology. You can link your Westpac Altitude Platinum - Qantas credit card with Apple Pay, Samsung Pay or Google Pay to make contactless payments at the checkout with your Samsung, Apple or Android device. Plus, you can also pay with your eligible fitness tracker with Fitbit Pay and Garmin Pay.

Rates & fees

Annual fee. Outside of any promotions, the Westpac Altitude Platinum – Qantas card charges a total annual fee of $200. This is made up of a $150 standard annual fee plus a $50 Qantas Rewards fee.
Purchase rate. This credit card charges an interest rate of 20.49% p.a. on purchases.

Interest-free period. You will receive up to 45 days interest-free on new purchases when you pay your monthly payment balance listed on your statement in full by the payment due date. Note that these interest-free days are separate from any longer-term interest rate promotions and the monthly payment balance excludes current balance transfers.
Cash advance rate. This card has an interest rate of 21.49% p.a. for cash advance transactions.
Foreign transaction fee. A 3% fee applies for any transactions made in a foreign currency.
Minimum credit limit. This card has a minimum credit limit of $6,000.

Go to Westpac's site More info

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18 Comments

Sally
February 11, 2019

Hi, I currently have a normal credit card from Westpac. Am I able to change this card to the Westpac Altitude Platinum – Qantas credit card so that I can earn Qantas points?
Please advise, thanks!

finder Customer Care

Joshua
February 18, 2019

Hi Sally,

Thanks for getting in touch with Finder. I hope all is well with you. :)

If you are after the 60,000 bonus points, there are some conditions that you need to meet. For example, as what their website mentioned, “Existing Westpac customers who currently hold an Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months, are not eligible for this offer.”

For this reason, if you already have any of these cards in the last month, you might not be able to obtain the bonus points. Of course, you still have the freedom to switch to Westpac Altitude Platinum and still earn points, but not just the bonus points.

I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

Have a wonderful day!

Cheers,
Joshua

Anna
January 17, 2019

I am applying for the Westpac card right now – it’s asking for income after tax does that mean personal or household? Thanks.

finder Customer Care

Jeni
January 22, 2019

Hi Anna,

Thank you for getting in touch with finder.

Kindly enter your personal income after tax since it is not a joint application.

I hope this helps.

Thank you and have a wonderful day!

Cheers,
Jeni

Kurt
January 14, 2019

We are holders of Westpac Altitude Black cards. Please advise other benefits apart the 60000 Qantas points are offered. We are aware of the yearly charges, therefore we are wondering if a change is of value. We are retired and receiving a small part pension the remaining income is from monthly income from investments.

finder Customer Care

Jeni
January 16, 2019

Hi Kurt,

Thank you for getting in touch with Finder.

If you get an American Express Westpac Altitude Black Bundle – Qantas credit card, some of the benefits of this credit card are additional complimentary insurance covers, up to 2 complimentary lounge passes, uncapped points earning with points earning rate at 1.25 Altitude Points or 0.75 Qantas Points per dollar spent on eligible purchases.

If you consider changing credit cards, I suggest that you contact Westpac first regarding your account with them and the chances of changing your credit card.

I hope this helps.

Thank you and have a wonderful day!

Cheers,
Jeni

Jon
January 8, 2019

How many months of financial history/payslips do you need to supply when you apply for this card? In my current job, I only have 5 months of payslips.

finder Customer Care

Jhez
January 10, 2019

Hello Jon,

Thank you for your comment.

You may be asked to provide recent three months payslips. You may refer to the usual requirements for credit card applications.

Should you wish to have real-time answers to your questions, try our chatbox on the lower right corner of our page.

Regards,
Jhezelyn

Peter
September 20, 2018

So does this card cost $50 for the first year or does cost $200

finder Customer Care

John
September 20, 2018

Hi Peter,

Thank you for leaving a question.

You are correct that it is $50 for the 1st year annual fee and $200 for the succeeding years. Hope this helps!

Cheers,
Reggie

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Westpac Altitude Platinum – Qantas