Westpac Altitude Platinum – Qantas Credit Card – Rates and Fees

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Get 60,000 bonus Qantas Points and a reduced $50 annual fee for the first year with the Westpac Altitude Platinum – Qantas card.

The Westpac Altitude Platinum credit card gives you a way to earn Qantas Points for your everyday spending when you opt-in to the Altitude Qantas rewards program (instead of Altitude Rewards).

$50 p.a.

Annual fee

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

20.24% p.a.

Purchase rate

0.5

Reward points

Per $ spent (Visa/Mastercard)

45 days

Interest free period


Get 60,000 bonus Qantas Points and a reduced $50 annual fee for the first year with the Westpac Altitude Platinum – Qantas card.

The Westpac Altitude Platinum credit card gives you a way to earn Qantas Points for your everyday spending when you opt-in to the Altitude Qantas rewards program (instead of Altitude Rewards).


Details

Product NameWestpac Altitude Platinum Card - Qantas
Rewards ProgramQantas Frequent Flyer
Balance Transfer Revert RateCash Advance Rate (20.74% p.a.)
Purchase Rate20.24% p.a.
Annual Fee$50 for the first year ($200 thereafter)
Interest Free Period45 days
Cash Advance Rate20.74% p.a.
Minimum Credit Limit$6,000
Maximum Credit Limit$30,000
Card TypeMastercard
Foreign Currency Conversion Fee (Visa/Mastercard)3% of transaction value
Complimentary Travel InsuranceYes
Minimum Income$30,000
Minimum Age18 years of age
Available to Temporary ResidentsYes - Conditions apply
Joint ApplicationNo

Pros

  • Receive bonus Qantas Points.
  • 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.

Cons

  • There are only up to 45 days days interest-free on purchases, as opposed to most cards with 55 days.
Rewards ProgramQantas Frequent Flyer
Rewards Points per $ spent (Visa/Mastercard)0.5
Annual Fee$50 for the first year ($200 thereafter)
Minimum Monthly Repayment2% of transaction value or $10, whichever is greater
Late Payment Fee$15
Foreign Currency Conversion Fee (Visa/Mastercard)3% of transaction value
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


Amy is a senior writer at finder.com.au with more than 10 years experience covering credit cards, personal finance and various lifestyle topics. When she’s not sharing her knowledge on money matters, Amy spends her time as an actress.

Expert Review

The Westpac Altitude Platinum – Qantas credit card has a straightforward earn rate of 0.5 Qantas Points per $1 spent, with no points cap. It also offers a range of complimentary insurance options – including overseas travel insurance – and a concierge service. The introductory bonus point offer also gives you enough for a one-way economy flight from Perth to London (55,000 Qantas Points, excluding fees and taxes), or return business class flights from Melbourne to Brisbane (48,000 points).

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

  • 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.

Card Benefits

  • 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 June 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 June 2019 and pay only the Qantas Rewards fee for the first year.

Rates & Fees

  • Annual fee. Outside of any promotion, there is a $200 annual fee for this card. This is made up of a $150 standard annual fee plus $50 Qantas Rewards fee.
  • Purchase rate. This credit card charges an interest rate of 20.24% p.a. on purchases.

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18 Comments

  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!

    • Staff
      Joshua
      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!

      Cheers,
      Joshua

  2. Default Gravatar
    Anna
    January 17, 2019

    Hi

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

    • Staff
      Jeni
      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!

      Cheers,
      Jeni

  3. Default Gravatar
    Kurt
    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.

    • Staff
      Jeni
      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, premium concierge services, 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!

      Cheers,
      Jeni

  4. Default Gravatar
    Jon
    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.

    • Staff
      Jhez
      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.

      Regards,
      Jhezelyn

  5. Default Gravatar
    Peter
    September 20, 2018

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

    • Staff
      John
      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!

      Cheers,
      Reggie

  6. Default Gravatar
    DrRobot
    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?

    • Staff
      Jhez
      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.

      Regards,
      Jhezelyn

  7. Default Gravatar
    question
    August 24, 2018

    Does this card support Garmin Pay?

    • Staff
      Jhez
      August 24, 2018

      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

  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?

    • Staff
      Jhez
      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.

      Regards,
      Jhezelyn

  9. Default Gravatar
    HotDog
    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?

    • Staff
      Nikki
      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,
      Nikki

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