Westpac Altitude Platinum Qantas – Existing customer offer

No longer available

This offer is no longer available for new applications. However, we've kept the information online for the benefit of existing customers and for those who are interested.

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Amy Bradney-George

Last Updated Jan 21, 2021

75,000

Bonus points

20.49% p.a.

Purchase rate

0.5

Reward points

Per $ spent

$50 p.a.

Annual fee

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

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Details

Product Name	Westpac Altitude Platinum Qantas – Existing Customer Offer
Rewards program	Qantas Frequent Flyer
Balance transfer rate	6.99% p.a. for 12 months
Balance transfer revert rate	Cash Advance Rate (21.49% p.a.)
Balance transfer limit	80% of available limit
Purchase rate	20.49% p.a.
Annual fee	$50 annual fee for the first year ($200 p.a. thereafter)
Interest-free period	Up to 45 days on purchases
Cash advance rate	21.49% p.a.
Min credit limit	$6,000
Max credit limit	$50,000
Card type	Mastercard
Foreign currency conversion fee	3%

Minimum income	$30,000
Available to temporary residents	Yes - Conditions apply
Joint application	No

Pros

75,000 bonus Qantas Points when you spend $3,000 in 90 days
$50 first-year annual fee ($200 p.a. thereafter)
Complimentary insurance covers include overseas medical and purchase security

Cons

The standard annual fee of $200 is relatively high
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 program	Qantas Frequent Flyer
Bonus points	75,000
Rewards points per $ spent	0.5

Annual fee	$50 annual fee for the first year ($200 p.a. thereafter)
Minimum monthly repayment	2% of the closing balance or $10, whichever is greater
Late payment fee	$15
Foreign currency conversion fee	3%
Cash advance fee	2% or $2.50, whichever is greater
Overseas cash advance fee	2%
Additional cardholder fee	$0
Number of additional cardholders	1

Amy Bradney-George

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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.

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.
Existing Westpac customer. The introductory offer on this card is only available to people who are current Westpac customers. If you want to take advantage of this offer but don't have any Westpac accounts yet, you can compare a range of Westpac savings and bank accounts on Finder. Or, look at other Westpac credit cards – including some with offers for new customers. Existing Westpac customers who currently hold an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months, are not eligible for this offer.

Residency. This card is available to permanent Australian residents.
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 Qantas Frequent Flyer joining fee of $99.50.
Eligible balance transfer debt. You can transfer from $200 up to 80% of your available credit limit from up to 3 Australian credit, charge or store cards not issued by Westpac.

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 $50 applies for this option, which is included in the $200 p.a. annual fee cost.
Balance transfer information. To transfer a balance, you'll need to provide the account numbers of the cards you'd like to transfer, the provider's biller codes and the debt amounts.

Card benefits

75,000 bonus Qantas Points. Receive 75,000 bonus Qantas Points when you're a current Westpac customer and apply for a new Westpac Altitude Platinum card before 31 March 2021, then 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. This offer is only available for existing Westpac customers.
$50 first-year annual fee. Save with a discounted annual fee for the first year when you apply by 31 March 2021. This reverts to $200 p.a. after the first year. This offer is only available for existing Westpac customers who hold an active account or product.

Balance transfer offer. Get 6.99% p.a. on balance transfers offer for 12 months. Any remaining balance after the promotional period ends is subject to the 21.49% p.a. cash advance rate.
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.
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 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 Fitbit Pay and Garmin Pay.

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.

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 21.49% 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 $6,000.

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Westpac Altitude Platinum Qantas – Existing customer offer