Westpac Altitude Platinum – Qantas Credit Card – Rates and Fees

Earn 60,000 bonus Qantas Points and save with a reduced $50 annual fee for the first year with the Westpac Altitude Platinum - Qantas card within 90 days from card approval.

When you have a Westpac Altitude Platinum credit card, you can choose between two different rewards programs and enjoy all of the benefits of a platinum card. Along with a $50 annual fee for the first year, complimentary insurance covers and a personal concierge service, you can choose the Altitude Qantas program or the Altitude Rewards program. Earn 60,000 bonus points when you apply between 28 November 2018 and 2 April 2019 and spend a minimum amount of $3,000 on eligible purchases within 90 days from card approval.

Product NameWestpac Altitude Platinum Card - Qantas
Rewards ProgramQantas Frequent Flyer
Purchase rate (p.a.)20.24% p.a.
Offer end date2 April 2019
Annual fee$50 p.a. annual fee for the first year ($200 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.
Min credit limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
$6,000
Max credit limit
This credit limit may not be issued to you immediately upon application. This is the maximum credit limit available on this card and you can apply for increases after the account has been opened.
$30,000
Card TypeVisa
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
Complimentary Travel InsuranceYes
Minimum Income$30,000
Minimum Age18 years of age
Available To Temporary ResidentsYes - Conditions apply
Joint ApplicationNo
Annual fee$50 p.a. annual fee for the first year ($200 p.a. thereafter)
Minimum Monthly Repayment2% or $10, whichever is greater
Late Payment Fee$15
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 the value of the transaction or a minimum charge of $2.50 will apply
Overseas Cash Advance Fee2%
Gambling Transactions AllowedYes
Additional Cardholder Fee$0
Number of Additional Cardholders1

Pros

  • Receive 60,000 bonus Qantas Points when you spend $3,000 on eligible purchases within 90 days from card approval.
  • Save with a reduced annual fee for the first year. In the first year, you'll only pay the $50 Qantas Rewards fee, saving you $150.
  • You can choose from a variety of airlines with which to claim your points as opposed to a set package with one airline.
  • There is no expiry on the points you earn on your card.

Cons

  • There are only up to 45 days interest-free on purchases, as opposed to most cards with 55 days.
Rewards ProgramQantas Frequent Flyer
Bonus Points60,000 bonus points
Rewards Points per $ spent (VISA/MC)0.5
Rewards Points per $ (VISA/MC) CapUncapped

Benefits of the Westpac Altitude Platinum - Qantas credit card

  • 60,000 bonus Qantas Points. Apply for the Westpac Altitude Platinum - Qantas to receive 60,000 bonus Qantas Points. To get the bonus points, you need to apply before 2 April 2019 and spend a minimum amount of $3,000 on eligible purchases within 90 days from card approval.
  • $50 first year annual fee. Apply by 2 April 2019 and pay only the Qantas Rewards fee for the first year.
  • Rewards program. With your Altitude Platinum - Qantas credit card, you can earn Qantas points per $1 you spend, uncapped.
  • 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 security 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 Platinum - Qantas credit card with Samsung Pay or Google Pay to make contactless payments at the checkout with your Samsung or Android device.

Features of the Westpac Altitude Platinum - Qantas credit card

  • Annual fee. Outside of any promotion, there is a $200 annual fee ($150 standard annual fee plus $50 Qantas Rewards fee) for this platinum card.
  • Purchase rate. This credit card has a variable interest rate of 20.24% p.a. on purchases.
  • Cash advance rate. You'll collect 20.74% p.a. on cash advances.
  • Interest-free days. Westpac offers you a period of up to 45 days where you won’t be charged any interest on purchases.

How to apply for the Westpac Altitude Platinum - Qantas credit card

You can apply for the Altitude Platinum credit card by filling out the online application and receive a response within 60 seconds. In order to apply for this credit card you have to make sure you meet the eligibility requirements first.

Eligibility criteria

  • You must be at least 18 years of age.
  • You must be a permanent Australian resident or Australian citizen. Please note that those holding a student visa aren’t eligible for and temporary visa holders must apply through migrant banking.
  • You must earn an annual income of at least $30,000.

Required documents

Once you know whether you’re eligible to apply for the card you can begin to apply. The application process takes about 15 minutes to complete but the process can go quicker if you gather up all necessary documents beforehand:

  • You’ll need proof of identification. This can be your driver’s license (complete with the number on it) or a valid passport.
  • You’ll also need proof of your income and financial history. This can be payslips or tax documents.
  • You’ll also need your employer’s details like the address and phone number and proof of any other financial commitments like investment properties.

The Westpac Altitude Platinum credit card takes the benefits of rewards and gives you the option of what you'd like to earn. You can earn reward points toward things like travel expenses or gift cards. Remember to compare similar credit card offers in order to get the most fitting deal in regards to your financial situation.

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10 Responses

  1. Default Gravatar
    PeterSeptember 20, 2018

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

    • finder Customer Care
      JohnSeptember 20, 2018Staff

      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!

      Cheers,
      Reggie

  2. Default Gravatar
    DrRobotSeptember 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?

    • finder Customer Care
      JhezelynSeptember 11, 2018Staff

      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.

      Regards,
      Jhezelyn

  3. Default Gravatar
    questionAugust 24, 2018

    Does this card support Garmin Pay?

    • finder Customer Care
      JhezelynAugust 24, 2018Staff

      Hello,

      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.

      Regards,
      Jhezelyn

  4. 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?

    • finder Customer Care
      JhezelynAugust 10, 2018Staff

      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.

      Regards,
      Jhezelyn

  5. Default Gravatar
    HotDogJuly 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?

    • finder Customer Care
      NikkiJuly 26, 2018Staff

      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,
      Nikki

Credit Cards Comparison

Rates last updated December 13th, 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
More info
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.
American Express Westpac Altitude Platinum Bundle - Qantas
20.24% p.a.
$50 p.a. annual fee for the first year ($249 p.a. thereafter)
Up to 75,000 bonus Qantas Points when you meet the criteria with this dual Visa (issued & serviced by Westpac) & Amex (issued & serviced by Amex).
NAB Qantas Rewards Signature Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$295 p.a. annual fee for the first year ($395 p.a. thereafter)
Collect 90,000 bonus Qantas Points when you spend $4,000 within 60 days of account opening. Plus, a $295 annual fee in the first year.

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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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