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60,000 + 20,000 points after your first eligible purchase in year 2. Conditions apply.
Westpac Altitude Platinum Credit Card – Qantas
Westpac Altitude Platinum Credit Card – Qantas

Westpac Credit Cards

Westpac Altitude Platinum Credit Card – Qantas

Updated 20 June 2024

Get up to 80,000 bonus Qantas Points on a new Altitude Platinum Qantas credit card - 60,000 Qantas Points when you apply by 31 July 2024 and spend $4k+ on eligible purchases within 90 days of new card approval and an extra 20,000 points after your first eligible purchase in year 2. Plus, a discounted annual card fee of $99 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.

Points Earn Rate (per $1 spent)

0.5 points

Capped at $100,000 per year. Bonus Qantas Points excluded in the cap.

Rewards Program

Qantas Frequent Flyer

Bonus Points

60,000 pts

+ 20,000 points after your first eligible purchase in year 2. Conditions apply.

Pros and cons

  • Get up to 80,000 bonus Qantas Points - 60,000 Qantas Points when you apply by 31 July 2024 and spend $4k+ on eligible purchases within 90 days of new card approval and an extra 20,000 points after your first eligible purchase in year 2.
  • Discounted annual card fee of $99 for the first year; $175 thereafter
  • 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

Creditcard.com.au review

Editor Review

Westpac Altitude Platinum Credit Card – Qantas

Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. about this card.

The Westpac Altitude Platinum Credit Card - 80,000 bonus Qantas points

Point calculations are accurate as of 09 May 2024 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 you the choice of two rewards programs, the Westpac Altitude Platinum Credit Card is a flexible credit card with an excellent range of platinum perks. If you are interested in earning Altitude points, check out the Westpac Altitude Platinum Credit Card. Apply today and you can benefit from 80,000 bonus Qantas points - 60,000 Qantas Points when you spend $4k+ within 90 days of new card approval and an extra 20,000 points after your first eligible purchase in year 2. Plus, discounted annual card fee of $99 for the first year ($175 thereafter) and annual $75 Qantas Rewards Fee.

What we love…

One of the great things about the Westpac Altitude Platinum Credit Card is its flexibility and as a cardholder, you can choose to earn points on the Altitude program, or you can opt in to the Qantas program. Here we will look at the Altitude Qantas program and if you are interested in earning Altitude points, have a look here.

All you have to do to get your hands on those bonus points is apply and be approved by 31 July 2024, and then spend $4,000 on eligible purchases within 90 days of card approval to earn 60,000 points and get an extra 20,000 points after your first eligible purchase in year 2. Once you’ve made that spend, the bonus 80,000 points will be credited to your account within 12 weeks. Then it’s simply a matter of deciding what you want to spend them on.

Qantas

When you choose to earn Qantas points you opt in to the Qantas program, paying a $75 Qantas Rewards fee. Within this program, you can earn 0.5 Qantas Points for every $1 spent on eligible purchases*, to be redeemed within Qantas Store for merchandise and gift cards, or on travel products such as flights and accommodation.

Qantas Points are capped at $100,000 per year. Bonus Qantas Points excluded in the cap.

In terms of that 80,000 bonus points, it will get you further with Qantas, allowing you to fly from Perth to Singapore in economy class (56,512 points) or Sydney to London in economy class (66,200 points). You will also hand over fewer points for that $250 Woolworths Group WISH Digital Gift Card, redeeming just 54,550 Qantas Points.

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’re looking for a flexible rewards card with some nice extras on the side, the Westpac Altitude Platinum Credit Card could be well worth looking into. Plus, a discounted annual card fee of $99 for the first year ($175 thereafter) and annual $75 Qantas Rewards Fee. Ongoing as a cardholder, you will pay a $49 annual fee for the first year ($175 thereafter) plus an annual $75 Qantas Rewards fee, for choosing to earn Qantas points.

You can also add one additional cardholder at no extra cost to earn points faster. Cardholders benefit from a range of complimentary insurance covers.

Overall Rating

The Westpac Altitude Platinum Qantas Credit Card is a flexible rewards card with platinum benefits and 80,000 bonus Qantas points. Plus, discounted annual card fee of $99 for the first year ($175 thereafter) and annual $75 Qantas Rewards Fee.

User reviews

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

76% rating based on 1 review

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates



Purchase rate 20.99% p.a.

Cash advance rate 21.99% p.a.

Interest free period on purchases up to 45 days

Credit limits

Minimum credit limit $6,000

Maximum credit limit $50,000

Fees & repayments

Annual fee $175 p.a.

Additional cardholder fee $0 p.a.

Foreign transaction fee 3%

Minimum repayment 2% or $10 whichever is greater (personal); 3% or $10 whichever is greater (business); $40 (Westpac Flex)

Annual fee the first year $99

Cash advance fee 3%

Late payment fee $15

Rewards and points

Rewards program

Rewards Program Qantas Frequent Flyer Qantas Frequent Flyer

Bonus points 60,000 points

Annual points cap $100,000

Bonus points spend criteria + 20,000 points after your first eligible purchase in year 2. Conditions apply.

Earning points with this card

Qantas Rewards points 0.5 points per $1 spent

Points cap per month Capped at $100,000 per year. Bonus Qantas Points excluded in the cap.

Overseas earn rate same as standard earn rate

Additional features

Complimentary insurance

International Travel Insurance Yes - up to 3 months

Flight Inconvenience Insurance Yes

Transit Accident Insurance Yes

Smartphone Screen Insurance No

Purchase Protection Insurance Yes

Extended Warranty Insurance Yes

Rental Vehicle Excess In Australia Insurance Yes

Overview

Westpac Altitude Platinum Credit Card – Qantas

Disclaimer: The interest free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date.

Key features

  • Get up to 80,000 bonus Qantas Points - 60,000 Qantas Points when you apply by 31 July 2024 and spend $4k+ on eligible purchases within 90 days of new card approval and an extra 20,000 points after your first eligible purchase in year 2..
  • Discounted annual card fee of $99 for the first year; $175 thereafter
  • Complimentary overseas travel insurance for trips up to 3 months
  • Earn 0.5 Qantas points per $1 spent on eligible purchases*
  • Complimentary additional card holder
  • Choose your rewards program: Altitude Qantas or Altitude Rewards

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Australian citizens, permanent residents or holders of an acceptable visa

  • Minimum income of $30,000 p.a.

  • You have your personal details ready to complete the online application

Pauline

Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger

Recently Asked Questions

Something you need to know about this card? Ask our credit card expert a question.

18 questions (showing the latest 10 Q&As)

Mervyn Barton

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?
    Pauline - CreditCard.com.au

    Pauline

    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

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!
    Pauline - CreditCard.com.au

    Pauline

    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

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.
    Pauline - CreditCard.com.au

    Pauline

    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

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
    Pauline - CreditCard.com.au

    Pauline

    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

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
    Pauline - CreditCard.com.au

    Pauline

    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

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?
    Pauline - CreditCard.com.au

    Pauline

    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

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?
    Pauline - CreditCard.com.au

    Pauline

    3 February 2023
    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

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
    Pauline - CreditCard.com.au

    Pauline

    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

Dave

21 June 2022
If paying an ATO tax bill with the card, would this be included in the "eligible purchases"?
    Pauline - CreditCard.com.au

    Pauline

    21 June 2022
    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

ELAINE

11 May 2022
Can i change to qantas points at later stage ?
    Pauline - CreditCard.com.au

    Pauline

    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

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!
    Pauline - CreditCard.com.au

    Pauline

    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

Andy

3 January 2022
Why is there a $50 fee for qantas rewards?
    Pauline - CreditCard.com.au

    Pauline

    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

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).
David Butler

David Butler

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!
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    19 October 2021
    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

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
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    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

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?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    25 November 2019
    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

bree langridge

20 May 2019
Can I balance transfer to this card ?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    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

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 :)
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    28 February 2019
    Join asap and supply to Westpac - should be all good as they have not tried to transfer the points yet.

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