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Bonus points: 100,000
Purchase rate: 20.99% p.a.
Reward points per $ spent: 0.35
Annual fee: $250 p.a.

Our verdict

This platinum rewards card offers 100,000 bonus Qantas Points and complimentary insurances, but not many other frequent flyer perks.

The Westpac Altitude Qantas Platinum credit card earns points at tiered rates per $1 spent on eligible purchases. Right now, you can earn up to 100,000 bonus Qantas Points (70,000 points when you apply and spend $4,000 on eligible purchases in the first 90 days and an additional 30,000 points when you spend $4,000 within 90 days of card anniversary in year 2 (up to 100,000 points total). That's enough for a return economy flight from Sydney to Los Angeles (96,400 points) or a one-way business class flight from Melbourne to Seoul (90,600 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

Up to 100,000 bonus Qantas Points
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)
0.35 Qantas Points per $1 spent is relatively low

Where could you fly with Westpac Altitude Qantas Platinum's 100K bonus points?

Calculation is based on Classic Rewards redemptions and doesn't include carrier charges, taxes and fees.

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	$3,000
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	100,000
Rewards points per $ spent	0.35

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

Up to 100,000 bonus Qantas Points. Receive 70,000 bonus Qantas Points when you spend $4,000 or more on eligible purchases within the first 90 days of card approval, and an extra 30,000 points when you spend $4,000 within 90 days of card anniversary in year 2 (up to 100,000 points total).
Qantas Points per $1 spent. If you choose the Altitude Qantas rewards option when you apply for the card, you'll earn 0.75 points per $1 spent on international transactions and 0.5 points per $1 spent at major supermarkets, petrol stations, dining and utilities. You'll also earn 0.35 points per $1 spent on other eligible purchases (up to $5,000 per statement period), then 0.2 points per $1 spent thereafter. 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 $3,000.

Sources

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.
1. Westpac Altitude Qantas Platinum card information PDF
2. Westpac Altitude Qantas Platinum card information TMD

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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

Where could you fly with Westpac Altitude Qantas Platinum's 100K bonus points?

How to apply

Eligibility criteria

Required documents

Card benefits

Rates & fees

Sources

Sources

Your reviews

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