Westpac Altitude Platinum Credit Card – Qantas

Price: 175 AUD
Availability: InStock
Author: Pauline Hatch

Updated 8 October 2025

Get 75,000 bonus Qantas Points on a new Altitude Platinum Qantas credit card when you spend $4k+ on eligible purchases within 90 days of new card approval. Plus, a discounted annual card fee of $49 for the first year ($175 thereafter) and annual $75 Qantas Rewards Fee. Earn 0.5 Qantas points per $1 spent on eligible purchases*. Complimentary overseas travel insurance.

Terms and conditions apply.

Get 75,000 bonus Qantas Points on a new Altitude Platinum Qantas credit card when you spend $4k+ on eligible purchases within 90 days of new card approval.
Complimentary International and Domestic Travel Insurance (including COVID-19 coverage effective 30 June 2022, T&Cs apply)
Earn 0.5 Qantas points per $1 spent on eligible purchases*
Complimentary additional card holder
Choose your rewards program: Altitude Qantas or Altitude Rewards

There's a $75 Qantas Rewards fee for choosing to earn Qantas Points

Westpac Altitude Platinum Credit Card – Qantas

Pauline Hatch

Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Ask Pauline a Question about this card.

Compare cards with the same features as Westpac Altitude Platinum card

The Westpac Altitude Platinum Credit Card - 75,000 bonus Qantas points

Point calculations are accurate as of 8 October 2025 but may be subject to change without notice. All routes may have additional taxes and charges. Check on the official Westpac page for the updated calculations.

Offering the choice of three rewards programs, the Westpac Altitude Platinum Credit Card is a flexible rewards card that combines strong earning potential with platinum-level perks. If you’re interested in earning Qantas Points, this card gives you access to a generous bonus offer and steady ongoing earn rates. Apply and be approved, then spend $4,000 on eligible purchases within 90 days to receive 75,000 bonus Qantas Points. A $75 Qantas Rewards fee applies annually when you choose to earn Qantas Points, along with a $175 annual card fee.

What we love…

The 75,000 bonus Qantas Points is a standout feature, giving you an excellent head start toward flights, upgrades, or shopping rewards. To unlock the 75,000 bonus Qantas Points, simply apply, get approved, and spend $3,000 on eligible purchases within 90 days of card approval. Once you meet the spend requirement, the bonus points will be credited to your Qantas Frequent Flyer account within 12 weeks — ready to use on flights, upgrades, hotel stays, or your next big getaway.

Another great feature of the Westpac Altitude Platinum Credit Card is its flexibility. Cardholders can choose between the Altitude Rewards, Velocity, or the Qantas Rewards program—each with its own way to earn and redeem points.

Here we will look at the Altitude Qantas program and if you are interested in earning Altitude points, have a look here.

Qantas

If you opt for the Qantas Rewards option, you’ll earn:

0.75 Qantas Points per $1 on international spend
0.5 Qantas Points per $1 on everyday spend
0.35 Qantas Points per $1 on all other purchases
0.2 Qantas Points per $1 once you’ve spent over $5,000 in a statement cycle

You can also earn Qantas Points twice when shopping with Qantas Frequent Flyer program partners — once with your card and once with the partner.

Points can be redeemed within the Qantas Store for merchandise and gift cards, or on travel products such as flights and accommodation.

The 75,000 bonus Qantas Points can take you a long way. For example, you could fly from Perth to Singapore in economy (23,300 points) or even travel from Sydney to London in economy (63,500 points). If you prefer to use your points on everyday rewards, you could redeem around 54,450 Qantas Points for a $250 Woolworths WISH Digital Gift Card—making those bonus points just as handy for travel as they are for shopping.

What’s not so great…

As you will find with most platinum rewards cards, the interest charged on the Westpac Altitude Platinum Credit Card is not low. With both the purchase rate and cash advance rate being relatively high, it’s best to avoid cash advances and to clear your balance month-to-month.

As for points redemption, there are other credit cards on the market offering a higher earn rate on the Qantas program, but it’s up to you to work out which one offers the most back for your spend. With its reasonable annual fee, the Westpac Altitude Platinum Credit Card may just offer a more rewarding option.

Why should you choose this card?

If you want a rewards card that balances flexibility, travel perks, and premium benefits, the Westpac Altitude Platinum Credit Card is a great pick. You’ll enjoy a strong 75,000 bonus Qantas Points offer, the ability to earn twice with Qantas partners, and a range of complimentary insurance covers, including overseas travel and extended warranty. You can also add one additional cardholder at no extra cost to boost your points earn.

Overall Rating

The Westpac Altitude Platinum Qantas Credit Card is a well-rounded rewards card offering 75,000 bonus Qantas Points, competitive earn rates, and valuable platinum benefits—ideal for those who love to travel and want more from their everyday spending.

Westpac Altitude Platinum Credit Card – Qantas ( based on 1 Creditcard.com.au user review )

60%

Rates

79%

Fees

72%

Rewards

91%

Customer Service

76%

Value

76%

100% of users who have rated this card would recommend it

76%

overall user rating (1 review )

100% of users who have rated this card would recommend it

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Jillian Gordon

15 January 2025

I ha e had a platinum card for many years and have always kept ahead of payments. I had an understanding to pay on or before time to prevent fees. However Today I find two fees debited from my card. 1 Qantas Rewards Fee $75, 2 card fee of $175.. At no time have I received correspondence telling me new fees will apply. Please contact me regard reversing these fees and possibly closing my accounts with westpac

Pauline

16 January 2025

Hi Jillian, you've actually landed on CreditCard.com.au and not the official Westpac site. The fees you've mentioned are the annual fee and the Qantas Rewards fee. If you'd like to speak to someone from Westpac you can call their customer service team on 13 20 32. Hope this helps!

Mervyn Barton

16 May 2024

I have a Westpac altitude rewards credit card with altitude points available. I would like to transfer these to Qantas altitude rewards but was told by Westpac I need the Qantas altitude rewards program, not sure what is needed to do this?

21 May 2024

Hi Mervyn, yes this is confusing! Westpac is saying that if you wanted to earn Qantas Points, you would have needed to apply for the Westpac Altitude Platinum Qantas card, not the Westpac Altitude Platinum that earns Altitude Points. Unfortunately, you can’t directly transfer Altitude Points to Qantas Points. I hope that clears it up for you, Mervyn!

Joan Doyle

20 October 2023

I have been charged $75 for a Qantas Rewards fee on my Westpac Mastercard. I have never opted for this and want to withdraw from it straight away!

24 October 2023

Hi Joan, you’ve landed on CreditCard.com.au - Australia’s leading credit card comparison site. This $75 Qantas Rewards fee you’ve been charged, covers the cost Westpac incurs for you to accumulate Qantas Points when you use the card. The Westpac Altitude Platinum card doesn’t have this fee and you'll earn Altitude Points instead. To discuss any matters related to your account, you can call Westpac directly at 1300 651 089.

Andrew

11 October 2023

In regard to the minimum criteria to apply, it states "Good Credit and have not applied for multiple credit cards recently". I need more specific information about how many recent cards would be too many. I have of course had a few cards from other banks over the past 18 months and do not want to effect my credit score when applying just to be turned down.

13 October 2023

Hi Andrew, great question but unfortunately there’s no hard and fast rule around this. The main reason is that the more credit applications you have, the riskier you look to credit providers. You should get a copy of your credit report and keep an eye on your score, your total debt to income ratio and your repayment history. That way you’ll know where you stand with the providers.

Ian

2 September 2023

I’ve now had my new credit card for 4 months I believe I spent the necessary $4000 on eligible items but I don’t see the 70,000 Qantas points that I was expecting for taking out the new card how do I go about chasing that up ⬆️ s the a number I can ring can I go into the bank and enquire or is there a online way of chasing checking this up

4 September 2023

Hi Ian, I strongly suggest reaching out to Westpac directly at 1300 651 089 to check on the bonus points. But usually, the bonus points are added to your points balance within 12 weeks from the time you met the eligible spend requirement.

Ian Cooke

20 February 2023

I wish to apply If I put my partner on my credit card is she covered for travel insurance. What is my credit limit on income stream of $ 34000 Thanks Ian

21 February 2023

Hi Ian, you and your partner/spouse will be eligible for the complimentary travel insurance cover when both of you individually meets all of the eligibility criteria listed in the Complimentary Insurance Policy Information booklet (for example, you’ve paid at least $500 of your travel costs on the card, you’re under 81, you have a return ticket, etc). You can also call Allianz Global Assistance (Westpac’s insurance underwriter) on 1800 091 710 for specific enquiries you may have about the travel insurance cover. Usually, you will know how much your credit limit will be when your application gets approved and it will depend on several factors like your credit standing and financial status. Thanks Ian!

Pru

9 February 2023

If you are a self funded retiree can you get this card if You meet the minimum wage from our funds?

10 February 2023

Hi Pru, it’s definitely not as straightforward if you’re earning money through a means other than your own business or PAYG, and it does depend on how you’re being self-funded. But yes, it’s possible you may be able to apply for the Westpac Altitude Platinum Credit Card – Qantas as a self-funded retiree. You’ll need to provide a copy of your superannuation statement or information regarding your assets and meet all other conditions and eligibility requirements to get approved. It’s best to speak directly with Westpac first so they can help you with your application.

Martin

3 February 2023

Ref: Westpac Altitude Platinum Credit Card - Qantas. Is $99 the only Fee in the first year? or do I need to also pay extra $50 for the Qantas Rewards Fee?

Hi Martin, with the Westpac Altitude Platinum Qantas card, you will pay a total of $149 for the first year. This includes a $99 fee for the card and an additional $50 charge for Qantas Rewards. If this isn’t your thing, there’s a range of other Qantas Points credit cards that won’t charge you this fee.

Alan Cain

19 July 2022

We have used Altitude Platinum points for my daughter to fly Adelaide - Gold coast return on Qantas. She missed the return flight. What becomes of the points? Are they lost or can they be used to book another flight

20 July 2022

Hi Alan, I’m sorry to hear about your daughter missing her return flight. However, you’ve reached Creditcard.com.au, Australia’s leading credit card comparison and information site. You’ll need to reach out to Westpac directly at 13 2032 for assistance.

Dave

21 June 2022

If paying an ATO tax bill with the card, would this be included in the "eligible purchases"?

Hi Dave, I double checked Westpac Altitude Platinum Qantas card’s terms and it states that payments to a local or state or federal government or related agencies are not considered eligible. However, there are a few credit cards that earn points at the ATO that you can compare.

ELAINE

11 May 2022

Can i change to qantas points at later stage ?

12 May 2022

Hi Elaine, I checked Westpac Altitude card’s terms and it states that you can request to change between the rewards programs available to your card (e.g. Altitude to Qantas). Please note though that once it’s changed, you will automatically stop earning points in the previous rewards program and points earned before the change will not be converted in the new rewards program.

Cara

6 March 2022

Hi there, I am looking at a Westpac Altitude Platinum credit card but have a couple of questions. It says you need to spend 4,000 on eligible purchases - what are these? i am looking to pay for a topdeck tour via credit card, would this count? And after the spend has been reached, how long does it take to receive the points? Thank you!

7 March 2022

Hi Cara, good question! There’s actually no specific list of what transactions are considered eligible but these are transactions like payments you make for your groceries, car’s petrol, doctor’s fee, restaurant bill, etc. If the Topdeck company processes your credit card like any other of the transactions mentioned above, it’ll be eligible spend. I double-checked Westpac Altitude Platinum’s terms and it states that eligible purchases do not include interest, fees, cash equivalent transactions, transactions to local, state, or federal government agencies, to name a few. The bonus points will actually be added to your points balance 12 weeks once eligible spend criteria has been met. Enjoy your tour!

Andy

3 January 2022

Why is there a $50 fee for qantas rewards?

6 January 2022

Hi there Andy, there are certain fees for transferring points and credit card processing fees behind the scenes for banks, which is why the card has a $50 Qantas rewards membership. Some credit cards come with no Qantas membership fees, but trade off with a higher annual fee.

David Butler

19 October 2021

Thanks so much for answering my question, Roland! I am interested why this charge has only come in in the last three years, I've been with Westpac and Qantas for years and was never charged it before - maybe this happened when Westpac changed their cards over (Westpac's idea, not ours) from Visa to Mastercard about three years ago? Interestingly, my partner has an Earth Black card but doesn't get charged this fee, although he does pay $125 annual fee (I pay $150).

Roland

20 October 2021

Hi David, glad we could help! We fathom a guess that it could have something to do with the RBA’s changes to credit card surcharges back in 2016. The Earth Black is sadly out of market now, so always good to be aware of your other Qantas earning options. Let us know if we can help further.

18 October 2021

Hi Roland, can you please clarify the $50 Qantas Rewards fee - who is charging this, Westpac or Qantas, and how do they justify the charge? I have spoken to both companies, and each swears it's being charged by the other! thanks!

Hi David, the $50 Qantas Rewards fee is charged by Westpac. But that payment is then paid to Qantas by Westpac for your Qantas membership. This way, you only need to pay one company, which in this case is Westpac and Westpac will take care of paying Qantas to ensure you have Qantas membership.

Mark

1 August 2021

Hi Roland, Could you tell me whether annual card fee of $99 for the first year includes annual $50 Qantas Rewards Fee? Thanks

2 August 2021

Hi Mark, we dug into this for you and see that the $50 annual Qantas Rewards fee will need to be paid along with the annual fee.

Robet Winnel

25 November 2019

I have an Altitude Platinum Visa Card and have been told that it is changing to a Mastercard, do I loose any of my current benefits?

Hi Robert, its always a good idea to review the features of the card to ensure you are getting what you want. The switch from Visa to Mastercard itself from Westpac should not impact any features directly. Though cards do change over time. So just have a run through the features and earn rate on our page: https://www.creditcard.com.au/westpac-altitude-platinum-qantas-credit-card/

bree langridge

20 May 2019

Can I balance transfer to this card ?

21 May 2019

Hi Bree, there is no balance transfer offer with the Westpac Altitude Platinum credit card. Check out our balance transfer section for all the latest offers.

Antclan

28 February 2019

Hi there, I applied for and was approved for a Qantas Westpac Platinum card at the end of November and didn’t supply a Qantas FF membership as I haven’t joined Qantas FF. Am I too late? If I join today will they still credit the 60,000 bonus points I have qualified for? Are they back dated? Thanks :)

Join asap and supply to Westpac - should be all good as they have not tried to transfer the points yet.

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Westpac Altitude Platinum Credit Card – Qantas

Compare cards with the same features as Westpac Altitude Platinum card

The Westpac Altitude Platinum Credit Card - 75,000 bonus Qantas points

What we love…

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What’s not so great…

Why should you choose this card?

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100% of users who have rated this card would recommend it

100% of users who have rated this card would recommend it

Westpac Altitude Platinum Credit Card – Qantas

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