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Westpac Altitude Platinum – Qantas

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Get 60,000 bonus Qantas Points and a wide range of insurance covers with the Westpac Altitude Platinum – Qantas card.

The Westpac Altitude Platinum credit card gives you a way to earn 0.5 Qantas Points for your everyday spending when you select to earn points directly through the Qantas Frequent Flyer program.


Bonus points

20.49% p.a.

Purchase rate


Reward points

Per $ spent (Visa/Mastercard)

$200 p.a.

Annual fee


Product NameWestpac Altitude Platinum Qantas
Rewards programQantas Frequent Flyer
Balance transfer rate6.99% p.a. for 12 months
Balance Transfer Revert RateCash Advance Rate (21.49% p.a.)
Balance Transfer Limit80% of available limit
Purchase rate (p.a.)20.49% p.a.
Annual fee$200 p.a.
Interest free period45 days
Cash advance rate (p.a.)21.49% p.a.
Min credit limit$6,000
Max credit limit$30,000
Card typeMastercard
Foreign currency conversion fee (Visa/Mastercard)3%
Complimentary travel insuranceYes
Minimum Income$30,000
Minimum age18 years of age
Available to temporary residentsYes - Conditions apply
Joint applicationNo


  • 60,000 bonus Qantas Points when you spend $3,000 in 90 days
  • 0.5 Qantas Points per $1 spent, uncapped
  • 6.99% p.a. for 12 months on balance transfers
  • Complimentary insurance covers include overseas medical and purchase security


  • 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 Points60,000 bonus points
Rewards Points per $ spent (Visa/Mastercard)0.5
Annual fee$200 p.a.
Minimum monthly repayment2% of the closing balance or $10, whichever is greater
Late payment fee$15
Foreign currency conversion fee (Visa/Mastercard)3%
Cash Advance Fee2% or $2.50, whichever is greater
Overseas cash advance fee2%
Additional cardholder fee$0
Number of Additional Cardholders1

Expert review

Amy Bradney-George

Review by

Amy Bradney-George is the acting editor for Finder X and a senior writer for credit cards and Finder Green. She has more than 13 years' experience as a journalist and writer, with bylines in publications including The Equity Magazine, The Sydney Morning Herald, ABC News and produce industry website FreshPlaza. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University, and when she’s not putting (virtual) pen to paper, she spends her time as an actress.

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. It also features a range of complimentary insurance options – including overseas travel insurance.

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

  • 60,000 bonus Qantas Points. Receive 60,000 bonus Qantas Points when you apply for a new Westpac Altitude Platinum card before 05 August 2020 and spend a minimum amount of $3,000 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.
  • Rewards program. With your Altitude Platinum - Qantas credit card, you will earn 0.5 Qantas points per $1 you spend on eligible purchases, uncapped. 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.

Rates & fees

  • Annual fee. 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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  1. 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!


  2. 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!


  3. 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 care 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 chances of changing your credit card.

      I hope this helps.

      Thank you and have a wonderful day!


  4. 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 here.

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


  5. 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!


  6. Default Gravatar
    September 9, 2018

    I have just got a Westpac Altitude platinum card, how will I get the points if I purchase $3000 of eligible goods? Do I need to set up a points account somewhere? Also, will these points be available for Qantas flights if I have an Altitude rewards programme, and if not, can I change?

    • Avatarfinder Customer Care
      September 11, 2018

      Hello DrRobot,

      Thank you for your comment.

      According to the rewards T&C’s, the bonus Altitude Points or Qantas Points will be added to your points balance within 12 weeks once you meet the eligible spend criteria ($3000) and there’s no need for you to set up the points because this will automatically be added to your frequent flyer account (Altitude or Qantas) if registered.

      The Qantas points can be used to book flights on Qantas. You can use all points, or as long as you have a minimum of 5,000 points for Qantas flights. If you have an Altitude points, these can only be converted into these airline frequent flyer points:

      2 Altitude points = 1 Virgin Australia Velocity point
      2.5 Altitude points = 1 Singapore Airlines KrisFlyer mile
      2.5 Altitude points = 1 Cathay Pacific Asia Mile
      2 Altitude points = 1 Malaysia Airlines Enrich mile
      180 Altitude points = 1 Air New Zealand Airpoints Dollar ($1)

      Therefore, your Altitude points may not be converted to Qantas. I hope I was able to answer your questions.

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


  7. Default Gravatar
    August 24, 2018

    Does this card support Garmin Pay?

    • Avatarfinder Customer Care
      August 24, 2018


      Thank you for your comment.

      Upon checking, Westpac Altitude Platinum Qantas card visa is not eligible for Garmin Pay. Please refer to the list of eligible cards on the Westpac website.

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


  8. Default Gravatar
    August 9, 2018

    A few questions regarding Westpac travel insurance, do they cover persons that are 77 and 76 years of age? Do they allow a declaration for pre-existing medical conditions?

    • Avatarfinder Customer Care
      August 10, 2018

      Hello Gwen,

      Thank you for your comment.

      Upon checking, yes, 76 and 77 years old can still be covered for the Westpac complimentary travel insurance as long as you’re not over 80 years of age when you first become eligible for the cover. As for the declaration of a pre-existing medical condition, yes, they allow it. If you want a cover for a pre-existing medical condition(s), you can apply to Allianz Global Assistance by contacting them.

      Furthermore, the complimentary insurance benefits are only available to cardholders of the eligible Westpac credit card accounts (which you can check from Westpac’s website). Please also keep detailed particulars including the sales receipt and eligible credit card account statement showing any purchases for the flight booking.

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


  9. Default Gravatar
    July 25, 2018

    Hi I was just wondering on these credit cards where you are earning Qantas frequent flyer points, once you pay the annual fee, spend the correct amount of money on the card to be eligible for the bonus points, can you cancel your card without a fee?

    • Default Gravatar
      July 26, 2018

      Hi HotDog,

      Thanks for leaving an inquiry on our page.

      Yes, you can cancel your card without a fee if you think that it is of no use to you at the moment. When you cancel your credit card, your plastic card will cease functioning but your credit card account will remain active. Depending on the circumstances, you may be issued with another credit card.

      If you would like to close your credit card account, you will need to pay off any outstanding balance (including any fees, interest or charges that are due).

      Hope this clarifies,

      Kind regards,

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