Bonus points: 100,000
Purchase rate: 23.98% p.a.
Reward points per $ spent: 0.5
Annual fee: $175 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 earning Qantas Points, this card also features a range of complimentary travel insurance options and Flight Delay Access Pass.

Pros

Up to 100,000 bonus Qantas Points
Annual fee for existing Westpac customers: $224 in the first year (includes $125 Qantas opt-in fee)
Complimentary Flight Delay Access Pass
Complimentary international medical travel insurance and domestic travel insurance

Cons

$125 annual Qantas Rewards fee (on top of the $175 annual card fee)
0.33 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.	23.98%
Interest-free days	Up to 45 days on purchases
Cash advance rate p.a.	23.99%
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	0.5
Rewards points cap	N/A

Fees

Annual fee	$175
Minimum monthly repayment	2.5% of the closing balance or $25, whichever is greater
Late payment fee	$20
Foreign currency conversion fee	3%
Cash advance fee	3.5% of each cash advance amount
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

New customer. To be eligible for the bonus points offer, you cannot hold or have held a Westpac Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card in the last 24 months.
Minimum income. You must earn at least $30,000 to apply for this card.

Residency. You must be an Australian citizen or permanent resident or hold a valid visa with at least 1 year before expiry.
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 $125 applies for this option, which is included in the $300 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, department stores, petrol stations and utilities. You'll also earn 0.33 points per $1 spent on other eligible purchases (up to $5,000 per statement period), then 0.2 points per $1 spent thereafter. You'll also earn up to 1 bonus Qantas Point per $1 spent on selected Qantas products and services in Australia. 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 $224 (including a $125 Qantas Rewards Program fee) in the first year, which reverts to $300 p.a. thereafter.
Complimentary international medical travel insurance. Eligible cardholders can get complimentary international medical travel insurance, including cover for overseas emergency assistance such as medical evacuation and repatriation, medical and hospital expenses (including dental), funeral expenses and personal liability. Terms, conditions and exclusions apply.
Complimentary domestic travel insurance. Pay for the full cost of your return domestic flight with your card and you'll get cover for trip cancellation, flight delays, lost or delayed luggage and additional travel expenses within Australia. You'll also get rental vehicle excess insurance in Australia. No activation is required. Terms, conditions and exclusions apply.
Complimentary Flight Delay Access Pass. Get access to more than 1,800 participating airport lounges worldwide if your flight is delayed by more than 120 minutes. Registration is required and terms and conditions apply.
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 Garmin Pay.

Rates & fees

Annual fee. The Westpac Altitude Qantas Platinum card charges a total annual fee of $300. This is a combination of the $175 standard annual fee plus the $125 Qantas Rewards Program fee.
Purchase rate. This credit card charges an interest rate of 23.98% 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 23.99% 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 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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