American Express Westpac Altitude Platinum – Qantas

Earn Qantas Points for your everyday spending and get a bonus 10,000 Qantas Points when you meet the minimum spend requirement.

The American Express Westpac Altitude Platinum Qantas credit card is offered to existing, eligible customers and earns up to 1.5 Qantas Points per $1 spent on eligible purchases. It also has no points cap, complimentary insurance and exclusive Amex perks.

As well as these benefits, you can get a bonus 10,000 Qantas Points when you apply for this card by 15 March 2018 and spend $3,000 on eligible purchases in the first 3 months from card approval. You can also enjoy a waived annual fee in the first year (reverts to $49 p.a.) when you apply by this date.

Product NameAmerican Express Westpac Altitude Platinum Card - Qantas
Rewards ProgramQantas Frequent Flyer
Purchase rate (p.a.)20.24% p.a.
Offer end date15 March 2018
Annual fee$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Cash advance rate (p.a.)45% p.a.
Card TypeAmerican Express
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 Age18 years of age
Available To Temporary ResidentsNo
Credit Rating RequirementGood
Annual fee$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Late Payment Fee$30
Foreign Currency Conversion Fee
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
Additional Cardholder Fee$0

Pros

  • Receive 10,000 bonus Qantas Points when you spend $3,000 within the first 3 months of card approval
  • Enjoy a $0 annual fee for the first year
  • Earn up to 1.5 Qantas Points for your spending, uncapped.

Cons

  • This card has an interest-free period of only up to days on purchases as compared to other cards that offer up to 55 days interest-free.
Rewards ProgramQantas Frequent Flyer
Bonus Points10,000 bonus points
Rewards Points per $ spent (AMEX)1
Rewards Points per $ (AMEX) CapUncapped

Review of the American Express Westpac Altitude Platinum Qantas Card

This card is issued directly by American Express through a new partnership with Westpac. So, if you already have an existing Westpac Altitude credit card, this Amex option would give you a separate credit limit and statement period – along with separate repayment requirements.

It also offers competitive earn rates, with 1.5 Qantas Points per $1 spent on eligible foreign purchases, 1 point per $1 on eligible spending in Australia and 0.5 points per $1 on spending with government bodies in Australia – including the Australian Taxation Office.

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

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

  • Bonus points offer. Enjoy a bonus 10,000 Qantas Points when you apply by 15 March 2018 and spend $3,000 on eligible purchases in the first three months from card approval.
  • Waived annual fee. This card has a $0 annual fee in the first year when you apply by 15 March 2018 ($49 p.a. thereafter).
  • Qantas Points per $1 spent. The American Express Westpac Altitude Platinum Qantas earns 1.5 points per $1 spent on foreign currency purchases, 1 point per $1 spent on eligible purchases in Australia and 0.5 point per $1 spent with government bodies in Australia.
  • Additional Qantas Point per $1 spent with Qantas. This card offers 1 additional point per $1 for spending on selected Qantas products and services in Australia, such as Qantas or Jetstar flights that have a QF or JQ flight number.
  • Complimentary insurance. This card offers complimentary overseas travel insurance, transit accident insurance, purchase security insurance and extended warranty coverage.
  • Amex benefits. As an American Express card member, you’ll get access to exclusive shopping and lifestyle offers through Amex Offers and enjoy a range of entertainment ticket offers through Amex Invites.

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

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

  • Annual fee. This card has a standard annual fee of $49.
  • Additional card fee. This card offers a $0 fee for additional cards.
  • Interest rate. The standard variable interest rate for this card is 20.24% p.a.
  • Interest-free days. This card offers up to 45% p.a. days interest-free on purchases when you pay your account balance in full by the due date on each statement.
  • Cash advances. Cash advances are not available on this card.
  • Foreign transaction fee. A fee worth 3% of the transaction applies when you use this card to make payments in a foreign currency.

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

Currently, the American Express Westpac Altitude Platinum Card is being offered to existing Westpac Altitude customers via Online Banking, email or in the post. If you receive an offer, you can apply online by providing the Personal Offer Code that’s included in your invitation.

The American Express Westpac Altitude Platinum Qantas credit card gives you a way to earn Qantas Points on your everyday and overseas spending, as well as on payments to government bodies such as the ATO. However, as a separate account to any Westpac Visa or Mastercard Altitude Rewards card you already have, make sure you weigh up all the features before you apply.

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