Our verdict

This platinum rewards card offers 75,000 bonus Qantas Points and complimentary insurances, 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, you’ll get 75,000 bonus Qantas Points when you spend $4,000 on eligible purchases in the first 90 days. 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.

Apart from the Qantas Points, this card also features a range of complimentary insurance options and contactless mobile payments.

Pros

75,000 bonus Qantas Points offer
Annual fee for existing Westpac customers: $124 in the first year (includes $75 Qantas Rewards fee)
Complimentary international travel insurance

Cons

$75 annual Qantas Rewards fee (on top of the annual card 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.

Details

Product details

Product Name	Westpac Altitude Qantas Platinum
Purchase rate p.a.	Purchase rate p.a.20.99%
Interest-free days	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	75,000
Rewards points per $ spent	0.5
Rewards points cap	100,000

Fees

Annual fee	$250
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.
Existing customers. You must be an existing Westpac customer to be eligible for the discounted first-year annual fee offer.

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

75,000 bonus Qantas Points. Receive 75,000 bonus bonus Qantas Points when you apply for a new Westpac Altitude Qantas Platinum card and spend a minimum amount of $4,000 on eligible purchases within 90 days from card approval.
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.

Discounted first-year annual fee for existing customers. Existing Westpac customers will receive a discounted annual fee of $124 (including a $75 rewards fee) in the first year, which reverts to $250 p.a. thereafter.
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 protection 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. 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

Your reviews

Not enough reviews Write a review

Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full profile

Westpac Altitude Qantas Platinum

Pros

Cons

How to apply

Eligibility criteria

Required documents

Card benefits

Rates & fees

Your reviews

Important information about this website

Advertiser disclosure

How we make money

Sorting and ranking products

Terms of service and privacy policy