Westpac Altitude Platinum – Qantas

This platinum rewards card offers 75,000 bonus Qantas Points, a discounted first-year annual fee and complimentary insurance, but not many other frequent flyer perks.

The Westpac Altitude Platinum – Qantas is a frequent flyer credit card that earns 0.5 Qantas Points per $1 on eligible spending. While this earn rate is lower than some other frequent flyer cards, there is no points cap, meaning you won’t be limited if you spend a lot. 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.

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Bonus points

20.49% p.a.

Purchase rate


Reward points

Per $ spent

$49 p.a.

Annual fee

for the first year ($200 p.a. thereafter)

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Product NameWestpac Altitude Platinum Qantas
Rewards programQantas Frequent Flyer
Balance transfer rate0% p.a. for 24 months with 1% balance transfer fee
Balance transfer revert rateCash Advance Rate (21.49% p.a.)
Balance transfer limit80% of available limit
Purchase rate20.49% p.a.
Annual fee$49 annual fee for the first year ($200 p.a. thereafter)
Interest-free periodUp to 45 days on purchases
Cash advance rate21.49% p.a.
Min credit limit$6,000
Max credit limit$30,000
Card typeMastercard
Foreign currency conversion fee3%
Minimum income$30,000
Available to temporary residentsYes - Conditions apply
Joint applicationNo


  • 75,000 bonus Qantas Points
  • 0% p.a. for 24 months on balance transfers
  • $49 first-year annual fee ($200 p.a. thereafter)
  • Complimentary insurance covers include overseas medical and purchase security


  • Charges a 1% balance transfer fee
  • Only offers up to 45 days interest-free on purchases, as opposed to other cards with 55 days
  • 0.5 Qantas Points per $1 spent is relatively low
Rewards programQantas Frequent Flyer
Bonus points75,000
Rewards points per $ spent0.5
Annual fee$49 annual fee for the first year ($200 p.a. thereafter)
Minimum monthly repayment2% of the closing balance or $10, whichever is greater
Late payment fee$15
Foreign currency conversion fee3%
Cash advance fee2% or $2.50, whichever is greater
Overseas cash advance fee2%
Additional cardholder fee$0
Number of additional cardholders1

Review by

Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

The Westpac Altitude Platinum – Qantas credit card has an ongoing earn rate of 0.5 Qantas Points per $1 spent, with no points cap. The 75,000 bonus point offer gives you enough for a one-way economy flight from Sydney to London (55,200 points) or a return business class flight from Brisbane to Adelaide (55,200 points) – with pointsto spare. You could also redeem your points for $350 worth of Woolworths Group digital gift cards (a total of 72,480 points for one $250 gift card and one $100 gift card).

How to apply

You can apply for the Westpac Altitude Platinum – Qantas 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.

Card benefits

  • 75,000 bonus Qantas Points. Receive 75,000 bonus Qantas Points when you apply for a new Westpac Altitude Platinum card before 24 February 2022 and spend a minimum amount of $4,000 on eligible purchases within 90 days from card approval. The bonus points will be credited to your account within 12 weeks of meeting the spend requirement.
  • Discounted first-year annual fee. Save with a reduced annual fee of $49 for the first year when you apply by 24 February 2022. This reverts to $200 p.a. after the first year.

Rates & fees

  • Annual fee. Outside of any promotions, the Westpac Altitude Platinum – Qantas card charges a total annual fee of $200. This is made up of a $150 standard annual fee plus a $50 Qantas Rewards fee.
  • Purchase rate. This credit card charges an interest rate of 20.49% p.a. on purchases.

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    Default Gravatar
    February 11, 2019

    Hi, I currently have a normal credit card from Westpac. Am I able to change this card to the Westpac Altitude Platinum – Qantas credit card so that I can earn Qantas points?
    Please advise, thanks!

      Avatarfinder Customer Care
      February 18, 2019

      Hi Sally,

      Thanks for getting in touch with Finder. I hope all is well with you. :)

      If you are after the 60,000 bonus points, there are some conditions that you need to meet. For example, as what their website mentioned, “Existing Westpac customers who currently hold an Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months, are not eligible for this offer.”

      For this reason, if you already have any of these cards in the last month, you might not be able to obtain the bonus points. Of course, you still have the freedom to switch to Westpac Altitude Platinum and still earn points, but not just the bonus points.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


    Default Gravatar
    January 17, 2019


    I am applying for the Westpac card right now – it’s asking for income after tax does that mean personal or household? Thanks.

      Avatarfinder Customer Care
      January 22, 2019

      Hi Anna,

      Thank you for getting in touch with finder.

      Kindly enter your personal income after tax since it is not a joint application.

      I hope this helps.

      Thank you and have a wonderful day!


    Default Gravatar
    January 14, 2019

    We are holders of Westpac Altitude Black cards. Please advise other benefits apart the 60000 Qantas points are offered. We are aware of the yearly charges, therefore we are wondering if a change is of value. We are retired and receiving a small part pension the remaining income is from monthly income from investments.

      Avatarfinder Customer Care
      January 16, 2019

      Hi Kurt,

      Thank you for getting in touch with Finder.

      If you get an American Express Westpac Altitude Black Bundle – Qantas credit card, some of the benefits of this credit card are additional complimentary insurance covers, up to 2 complimentary lounge passes, uncapped points earning with points earning rate at 1.25 Altitude Points or 0.75 Qantas Points per dollar spent on eligible purchases.

      If you consider changing credit cards, I suggest that you contact Westpac first regarding your account with them and the chances of changing your credit card.

      I hope this helps.

      Thank you and have a wonderful day!


    Default Gravatar
    January 8, 2019

    How many months of financial history/payslips do you need to supply when you apply for this card? In my current job, I only have 5 months of payslips.

      Avatarfinder Customer Care
      January 10, 2019

      Hello Jon,

      Thank you for your comment.

      You may be asked to provide recent three months payslips. You may refer to the usual requirements for credit card applications.

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


    Default Gravatar
    September 20, 2018

    So does this card cost $50 for the first year or does cost $200

      Avatarfinder Customer Care
      September 20, 2018

      Hi Peter,

      Thank you for leaving a question.

      You are correct that it is $50 for the 1st year annual fee and $200 for the succeeding years. Hope this helps!


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