American Express Westpac Altitude Platinum Bundle – Qantas

Score up to 75,000 bonus Qantas Points when you meet the spend requirement and save with a $99 annual fee for the first year.

The American Express Westpac Altitude Platinum Qantas card bundle offers the flexibility of spending with a Visa and the prestige of an American Express. When you apply for this bundle by 2 April 2019, you'll enjoy 75,000 bonus Qantas Points when you spend $3,000 on each card within the first 90 days.

New cardholders can look forward to bonus points, Qantas Points for every $1 spent on eligible purchases and premium perks including complimentary travel insurance and access to Amex Invites. If you prefer to earn Altitude points for your spending, you could also consider the American Express Westpac Altitude Platinum bundle.

Product NameAmerican Express Westpac Altitude Platinum Bundle - Qantas
Rewards ProgramQantas Frequent Flyer
Purchase rate (p.a.)20.24% p.a.
Offer end date2 April 2019
Annual fee$99 p.a. annual fee for the first year ($249 p.a. thereafter)
Interest Free Period
The interest-free period is the maximum number of days during which interest is not charged on new purchases. This only applies if you pay your closing balance in full by the statement due date.
Up to 45 days on purchases
Cash advance rate (p.a.)20.74% p.a.
Card TypeAmerican Express/Visa
Foreign Currency Conversion Fee (VISA)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3% of transaction value
Foreign Currency Conversion Fee (AMEX)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3% of transaction value
Complimentary Travel InsuranceYes
Minimum Income$50,000
Minimum Age18 years of age
Available To Temporary ResidentsNo
Annual fee$99 p.a. annual fee for the first year ($249 p.a. thereafter)
Late Payment Fee$30 Amex & $15 Westpac
Foreign Currency Conversion Fee (AMEX)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3% of transaction value
Foreign Currency Conversion Fee (VISA)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3% of transaction value
Cash Advance Fee2% of transaction or a minimum of $2.50 on Visa
Additional Cardholder Fee$0

Pros

  • Receive up to 75,000 bonus Qantas Points (60,000 on the Visa and 15,000 on the Amex) when you spend $6,000 ($3,000 on the Visa and $3,000 on the Amex) within the first 90 days of card approval.
  • Save with a discounted $99 annual fee for the first year.
  • Earn up to 1.5 Qantas Points for your spending, uncapped.
  • Complimentary retail and travel insurance covers.
  • Gain access to Amex Offers and Amex Invites.

Cons

  • This card has an interest-free period of only up to 45 days on purchases as compared to other cards that offer up to 55 days interest-free.
  • This bundle does not offer Qantas airport lounge passes.
Rewards ProgramQantas Frequent Flyer
Bonus Points75,000 bonus points
Rewards Points per $ spent (VISA/MC)0.5
Rewards Points per $ (VISA/MC) CapUncapped
Rewards Points per $ spent (AMEX)1
Rewards Points per $ (AMEX) CapUncapped

Features and benefits of the American Express Westpac Altitude Platinum Qantas Bundle

These are the benefits you can look forward to with the American Express Westpac Altitude Platinum Qantas Bundle:

  • Bonus points. You can earn a total of 75,000 bonus Qantas Points with this bundle offer. When you apply by 2 April 2019 and spend $3,000 on eligible purchases in the first 90 days of approval with your Visa, you’ll get 60,000 bonus points. If you meet the same spend requirement with your Amex, you’ll earn another 15,000 bonus Qantas Points. To give you an example, the total 75,000 bonus points is more than enough points to fly in Economy from Sydney to Paris (60,000 points). If you hold or have held a Westpac Altitude Platinum Visa or Westpac Altitude Black Mastercard within the last 12 months, you are not eligible for the bonus points promotion.
  • Reduced annual fee. When you sign up by 2 April 2019, you'll save with a reduced annual fee for the first year. In the first year, you'll only pay $99 (the Qantas Rewards fee and American Express annual fee), saving you the $150 Visa annual fee.
  • Standard earn rates. When you spend with the Visa, you’ll earn 0.5 Qantas Points per $1 spent. On the American Express, you’ll earn 1.5 Qantas Points per $1 spent on purchases in a foreign currency, 1 Qantas Point per $1 spent in Australia as well as 0.5 Qantas Points per $1 spent on government transactions (such as ATO bills). You can redeem your points for flights with Qantas and partnered airlines, accommodation, products from the Qantas Store and more. Most purchases would be considered eligible, however, fees, cash equivalent transactions, BPAY equivalent transactions, and balance transfers are not.
  • Complimentary insurances. You can shop and travel with peace of mind thanks to complimentary retail and travel insurance covers.
  • Access to Amex Offers and Amex Invites. Thanks to your American Express card, you’ll get access to exclusive discounts, dining perks with participating restaurants, pre-sale access to concert and events, passes to Amex Invites lounges at specific venues.

Rates and fees of the American Express Westpac Altitude Platinum Qantas Bundle

Check out these costs when comparing the American Express Westpac Altitude Platinum Qantas to other credit cards:

  • Annual fee. Outside of any promotions, this bundle charges a combined standard annual fee of $249. It breaks down to a $150 annual fee for the Visa, $49 for the American Express and a $50 Qantas rewards fee.
  • Purchase interest rate. These cards charge a variable purchase interest rate of 20.24% p.a.
  • Interest-free days. If you pay your balance in full, you can save on future purchases with up to 45 interest-free days.
  • Cash advance interest rate. If you use the Visa to make a cash advance (such as an ATM withdrawal), you’ll be charged 20.74% p.a. You can’t use the American Express to make cash advances.
  • Foreign transaction fee. If you use either of these cards overseas or to shop online with an international merchant, you’ll be charged a foreign currency fee worth 3% of the transaction amount.
  • Additional card fee. There is a $0 additional card fee if you want to add a secondary cardholder to your account.

How to apply for the American Express Westpac Altitude Platinum Qantas Bundle

If you’re an existing Westpac Altitude Platinum - Qantas card customer, you can apply for the American Express card if you’ve been invited to via Online Banking, email or post. If you were invited, you should’ve received a promotional code which you can use to apply. If you still don’t have the card, you can only apply for the American Express card if you also apply for the Visa card.

If you want to take advantage of this bonus points and reduced annual fee offer, you must apply for the bundle by 2 April 2019. You can apply online and the application should only take around 10 minutes. For this two-card bundle, you submit only one application to Westpac and then your information is passed on to American Express. Before you apply, make sure you meet the eligibility requirements and have the necessary documents on hand:

Eligibility criteria

You should only apply for this card if:

  • You're at least 18 years old.
  • You're a permanent Australian resident.

Necessary documents and information

You'll need to provide the following information to complete your application:

  • Personal details. You'll need to include personal details including your full name, address and contact details.
  • Identification. You can verify your identity by providing copies of your Australian driver's licence, Medicare card, Australian passport or foreign tax details if necessary.
  • Income and expenses. You'll need to provide recent payslips or bank statements.
  • Employment details. You'll need to include employment details including where you work and how long you've been employed there.

The American Express Westpac Altitude Platinum Qantas bundle offers competitive earn rates and complimentary extras. But as it’s not the only rewards card on the market, it’s best to compare a few options before you apply.

Although this card is bundled with the two platinum products together, you can apply for the Westpac Altitude Black Qantas card and the American Express Westpac Altitude Platinum Qantas card bundled together or vice versa depending on the perks you want from your card.

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65 Responses

  1. Default Gravatar
    LukeNovember 28, 2018

    Hi, do I click on Go to Westpac’s website above, is that still classed as applying through finder.com.au?

    Cheers

    • finder Customer Care
      CharisseNovember 29, 2018Staff

      Hi Luke,

      Thanks for reaching out to finder.

      Yes, you simply need to click on “Go to Westpac’s website” or “Got to site” on this page and you will be redirected to Westpac’s website where you can proceed with your application for the Amex credit card bundle offer.

      Please read the all terms and conditions that apply for you to be eligible to receive the bonus points.

      I hope this helps.

      Cheers,
      Charisse

  2. Default Gravatar
    albertNovember 28, 2018

    What’s the minimum credit limit?

    • finder Customer Care
      NikkiDecember 7, 2018Staff

      Hi Albert,

      Thanks for getting in touch! The minimum credit card limit of this card is not disclosed as this is assigned by the bank and varies per customer based on the credit card application. Here is a page that writes about credit limits and how to hold one responsibly. Hope this helps!

      Best,
      Nikki

    • finder Customer Care
      JhezelynDecember 1, 2018Staff

      Hello Albert,

      Thank you for your comment.

      The minimum credit card limit of this card is not disclosed. Please do note that credit limits are set by the issuer. You will usually be asked to provide your income and requested credit limit. It’s important to choose a responsible credit limit for your credit card. You can read on our Choosing a Responsible Credit Limit for your Credit Card guide to get some tips about credit limits.

      In addition, please make use to the credit card calculator here.

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

      Regards,
      Jhezelyn

  3. Default Gravatar
    RosieNovember 20, 2018

    Could I sign up for this cards, qualify for the bonus Frequent Flyer points then close the card without losing the points?

    • finder Customer Care
      JeniNovember 20, 2018Staff

      Hi Rosie,

      Thank you for getting in touch with finder.

      Please note that with this card, you’ll earn Qantas FF bonus points as long as you meet the eligibility criteria. Your Qantas FF points will not expire as long as you earn or use these through your Frequent Flyer account at least once every 18 months. You may request to close your credit card account at any time. Keep in mind that every credit applications you have whether approved or not will be listed as a credit enquiry. The more enquiries you have in a short period of time can have a negative impact on your credit score.

      I hope this helps.

      Please feel free to reach out to us if you have any other enquiries.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

  4. Default Gravatar
    SamNovember 20, 2018

    Hi,

    I applied for the card through this process but have not been given the first year fee waiver, how do I go about getting it?

    • finder Customer Care
      JeniNovember 20, 2018Staff

      Hi Sam,

      Thank you for getting in touch with finder.

      The waiver should be applied from the application. If you were charged for an annual fee, kindly contact Westpac directly on this matter. Please have as much info of your application as you can to help them track your application.

      I hope this helps.

      Please feel free to reach out to us if you have any other enquiries.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

  5. Default Gravatar
    -November 15, 2018

    I am keen on getting this card.

    If I pay my bills (phone, electricity and gas) would they count towards earning points?

    • finder Customer Care
      JohnNovember 15, 2018Staff

      Hi –,

      Thank you for reaching out to finder.

      Yes you may earn points if you pay your bills as long as the payment is not a BPAY payments; i.e. bill payments and other payments made through the BPAY® Electronic Payments Scheme. Hope this helps!

      Cheers,
      Reggie

  6. Default Gravatar
    JoshNovember 12, 2018

    Hi, I have a Westpac card but as a supplementary rather than primary card holder. Do you think that means I’m not eligible for this offer or am I?

    • finder Customer Care
      NikkiNovember 13, 2018Staff

      Hi Josh,

      Thanks for getting in touch! As a supplementary cardholder, your spending activities in the card count for the primary cardholder. This means no record is registered under you. Therefore, you are eligible for the offer when you apply as a primary cardholder. Hope this helps! Feel free to message again if you have further questions, we’re on standby.

      Cheers,
      Nikki

  7. Default Gravatar
    StuartNovember 7, 2018

    Hi guys, just wondering if this offer is available to an existing AMEX cardholder? Thanks.

    • finder Customer Care
      JohnNovember 8, 2018Staff

      Hi Stuart,

      Thank you for leaving a question.

      The American Express Westpac Altitude Platinum Bundle – Qantas – Exclusive Offer is currently offered to new customers. Hope this helps!

      Cheers,
      Reggie

  8. Default Gravatar
    jakeNovember 5, 2018

    If I spend $3000 in the first 90 days on the Visa but not the Amex do I still get the 75,000 points?

    • finder Customer Care
      JohnNovember 6, 2018Staff

      Hi Jake,

      Thank you for your question.

      Yes, you would still get the 75,000 points if you complete the required $3000 eligible purchases within 90 days for your Visa card. Hope this helps!

      Cheers,
      Reggie

  9. Default Gravatar
    ivanoNovember 4, 2018

    stupid question.
    Can the banks charge/return bonus points from you for cancelling a credit card after the bonus period has ended and you have received the bonus points?

    • finder Customer Care
      JohnNovember 6, 2018Staff

      Hi Ivano,

      The bonus points are earned and used for the duration of the card. You would not be able to transfer or use the points after it has been cancelled. Hope this helps!

      Cheers,
      Reggie

  10. Default Gravatar
    HengOctober 18, 2018

    Hi Finder, Is this offers available for an existing Westpac customer?

    Thanks.

    • finder Customer Care
      JohnOctober 18, 2018Staff

      Hi Heng,

      Thank you for leaving a question.

      If you’re already an existing Westpac Altitude Platinum – Qantas card customer, you can apply for this card if you’ve been invited to via Online Banking, email or post. If you were invited, you should’ve received a promotional code which you can use to apply. Hope this helps!

      Cheers,
      Reggie

Credit Cards Comparison

Rates last updated December 14th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Low Fee Platinum Card - Exclusive Offer
19.74% p.a.
0% p.a. for 25 months
$90 p.a.
finder Exclusive: Take advantage of 0% p.a. interest for 25 months on balance transfers with no balance transfer fee. Ends 16 December 2018
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12.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a 0% p.a. for 14 months balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks.
Suncorp Clear Options Platinum Credit Card - Online Offer
20.74% p.a.
0% p.a. for 18 months
$49 p.a. annual fee for the first year ($129 p.a. thereafter)
Save with a 0% balance transfer offer and earn up to 60,000 Bonus Rewards Points. Plus, a discounted first year annual fee when you apply online.
ANZ Low Rate
12.49% p.a.
0% p.a. for 15 months
$58 p.a.
Save with a 0% p.a. introductory rate on balance transfers for 15 months with no BT fee. Plus a low 12.49% p.a. interest rate on purchases.

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* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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