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This platinum rewards card offers up to 80,000 bonus Qantas Points, a discounted first-year annual fee and complimentary insurance, but not many other frequent flyer perks.

The Westpac Altitude Qantas Platinum credit card has an ongoing earn rate of 0.5 Qantas Points per $1 spent. If you apply as a new customer by 31 July 2024, you’ll get 60,000 bonus Qantas Points when you spend $4,000 on eligible purchases in the first 90 days. And an additional 20,000 points after the first eligible purchase has been made in the second year (80,000 bonus points total). That's enough for two return economy flights from Sydney to Auckland (72,000 points) or a return business class flight from Melbourne to Brisbane (55,200 points) – with points to spare. You could also redeem your points for $375 worth of David Jones digital gift cards (a total of 75,200 points for one $250 gift card, two $50 gift cards and a $25 gift card).

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

Pros

Up to 80,000 bonus Qantas Points offer
$99 first-year card fee (not including the annual Qantas rewards fee)
Complimentary international travel insurance

Cons

$75 annual Qantas Rewards fee (on top of the annual card fee)
$250 annual fee after the first year ($175 card fee and $75 Qantas rewards fee)
0.5 Qantas Points per $1 spent is relatively low

The Westpac Altitude Qantas Platinum is a frequent flyer credit card that earns 0.5 Qantas Points per $1 on eligible spending. 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 receiving 60,000 bonus Qantas Points when you apply by 31 July 2024 and spend $4,000 on eligible purchases in the first 90 days of card approval. Plus you'll get 20,000 bonus points after your first eligible purchase in the second year. This offer also gives you a discounted $174 annual card fee in the first year. After the first year, the annual fee and rewards fee add up to $250.

Details

Product details

Product Name	Westpac Altitude Qantas Platinum
Purchase rate p.a.	20.99%
Interest-free period	Up to 45 days on purchases
Cash advance rate p.a.	21.99%
Min credit limit	$6,000
Max credit limit	$50,000
Card type	Mastercard

Eligibility

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

Rewards

Rewards program	Qantas Frequent Flyer
Bonus points	80,000
Rewards points per $ spent	0.5
Rewards points cap	100,000

Fees

Annual fee	$174 first year ($250 after)
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	3%
Overseas cash advance fee	2%
Additional cardholder fee	$0
Number of additional cardholders	1

How to apply

You can apply for the Westpac Altitude Qantas Platinum 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.

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 $75 applies for this option, which is included in the $250 p.a. annual fee cost.

Card benefits

Up to 80,000 bonus Qantas Points. Receive 60,000 bonus bonus Qantas Points when you apply for a new Westpac Altitude Qantas Platinum card before 31 July 2024 and spend a minimum amount of $4,000 on eligible purchases within 90 days from card approval. You'll get another 20,000 points after making your first eligible purchase in the second year. The bonus points will be credited to your account within 12 weeks of meeting the spend requirement.
Discounted first-year annual card fee. Get a reduced $174 card fee in the first year (includes both standard fee and Qantas Rewards fee) when you apply by 31 July 2024. Then you'll be paying an annual fee of $250 after that (made up of a $175 standard annual fee and a $75 Qantas Rewards fee).

Qantas Points per $1 spent. If you choose the Altitude Qantas rewards option when you apply for the card, you'll earn 0.5 Qantas Points per $1 up to a maximum of $100,000 spent on eligible purchases per year (bonus Qantas Points not included in the cap). 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 Qantas Platinum 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 Qantas Platinum card charges a total annual fee of $250. This is a combination of the $175 standard annual fee plus the $75 Qantas Rewards fee.
Purchase rate. This credit card charges an interest rate of 20.99% 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 21.99% 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.

Sources

Westpac Altitude Qantas Platinum information PDF

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Westpac Altitude Qantas Platinum

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