Westpac Altitude Qantas Platinum Card
Earn 0.5 Qantas Points per $1 spent on everyday transactions plus complimentary insurances with the Westpac Altitude Qantas Platinum card.
- Overseas Travel Insurance, Purchase Protection etc.
- Apple Pay, Google Wallet, Samsung Pay Support
Why we like the Westpac Altitude Qantas Platinum card
The Westpac Altitude Qantas Platinum Card is a solid option for those who want to earn Qantas points, who might not want the higher annual fee of more premium cards.
For every $1 of everyday spending you’ll earn 0.5 Qantas points, capped at $5,000 per statement period.
Cardholders also get complimentary overseas travel insurance, purchase protection insurance and extended warranty on purchases.
Key Information & How to Apply
Key facts about this cards
- Signup bonus
- 75,000 Qantas Points, when you spend $4,000 or more on eligible purchases within the first 90 days from approval
- Annual fee
- $175 p.a. ongoing plus $75 annual Qantas Rewards fee
- Interest rate
- 20.99% p.a.
- Interest-free days
- Up to 45 days
- Minimum monthly repayment
- 2% of the outstanding balance or $10. whichever is higher
- Minimum credit limit
- $6,000
- Minimum income requirement
- $30,000 p.a.
- International transaction fee
- 3.0%
To apply for this card, you will need
- To be an Australian citizen, resident or long-term visa holder aged 18 or over
- $30,000 p.a.
- Have a good credit history and no payment defaults
- Your Australian driver’s licence number and proof of income
- 10-15 minutes to complete your application
Sign-up bonus
Earn up to 75,000 bonus Qantas Points when you apply for the Westpac Altitude Qantas Platinum credit card!
Earn up to 75,000 bonus Qantas Points when you apply for the Westpac Altitude Qantas Platinum credit card! The 75,000 Qantas Points will be awarded after you spend $4,000 or more on eligible purchases within the first 90 days of approval.
This offer is not available to existing customers who hold a Westpac Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas or Velocity, or if you’ve held any of these cards in the last 24 months.
Wondering how far 75,000 Qantas Points can take you? As an example, you could fly one-way from Sydney or Melbourne to Jakarta in Qantas Business Class for 68,400 Qantas points + taxes and carrier charges.
Complimentary travel insurance
Westpac Altitude Qantas Platinum cardholders receive a range of insurances, including international travel insurance underwritten by Allianz. To be eligible for the complimentary international travel insurance, you must meet all of the following criteria:
- Reside in Australia,
- Begin and end your journey in Australia,
- Spend at least $500 on prepaid travel costs on your Westpac Altitude Qantas Platinum credit card before leaving Australia,
- Have a return overseas travel ticket before leaving Australia, and
- Be under 81 years of age at the time you’re eligible for insurance and meet the conditions above.
Ensure you read the PDS here before using the complimentary travel insurance on your Westpac Altitude Qantas Platinum card.
Earning points
With the Westpac Altitude Qantas Platinum credit card, you’ll earn Qantas Frequent Flyer points at a rate of 0.5 points per $1 spent on everyday transactions. You’ll earn 0.75 Qantas points per $1 on international spend, while you’ll earn 0.35 Qantas points per $1 on other purchases. The full points-earning rate is capped at $5,000 per statement period, after which you’ll earn 0.2 Qantas points per $1.
If there is no activity on your Qantas account at least once every 18 months, then your Qantas Points will expire. For those who don’t fly often, having a credit card that earns Qantas Points may be a good way to keep your account active and prevent points from expiring.
Earning points for ATO & government payments
You won’t earn any Qantas Points on direct payments to the Australian Tax Office (ATO), or other Australian government bodies.
But you can use your Westpac Altitude Qantas Platinum credit card with a payment service such as Pay.com.au. This allows you to pay taxes and other bills to collect Qantas Points from your card.
Using Qantas Points
Qantas Points are best redeemed for flights – especially in premium cabins – and flight upgrades. But that’s not all they can be used for. You could also use Qantas Points to pay for hotels, car rentals, or even book a cruise!
You’re not limited to just Qantas flights, either. Qantas Points can be redeemed for flights with airlines that are part of the Oneworld alliance. Fly across an extensive network with Japan Airlines, Alaska Airlines, British Airways, Cathay Pacific, Finnair, American Airlines and more. It’s also possible to fly around the world with Qantas Points!
There are also a number of Qantas partner airlines that aren’t part of the Oneworld alliance. You could also redeem your Qantas Points to fly with China Airlines, IndiGo, Emirates, LATAM, KLM and more.
Prefer to redeem your Qantas Points on the ground? Take your pick from movie tickets, gift cards, items from the Qantas Store, or even a case of wine from Qantas Wine!
Learn more about how and where to redeem your Qantas Points in our overview of Qantas Frequent Flyer redemptions.
Summary
Pros
- Lower annual fee than the Westpac Altitude Qantas Black
- Complimentary international and domestic travel insurance, purchase protection insurance and extended warranty insurance
- Compatible with Apple Pay, Google Pay and Samsung Pay
Cons
- Overseas transaction fees apply
- Full points-earning rate capped at $5,000 per statement
- High interest rate on purchases (this is a potential issue if you think you’ll be unable to repay your balance in full each month)
- Overseas Travel Insurance, Purchase Protection etc.
- Apple Pay, Google Wallet, Samsung Pay Support
Frequently Asked Questions (FAQs)
To apply for a Westpac Altitude Qantas Platinum credit card, you would need to be aged 18 or over and an Australian citizen, permanent resident or long-term visa holder. You’ll also need a residential address in Australia and a verifiable Australian taxable income of at least $30,000 p.a.
The minimum credit limit is $3,000.
As long as there is activity on your Qantas Frequent Flyer account within an 18-month period, your Qantas Points will not expire. If you don’t fly often, you can maintain activity on your account by using a credit card that earns Qantas Points, like the Westpac Altitude Qantas Platinum.
Yes, you can link your Westpac Altitude Qantas Platinum credit card to contactless payment solutions like Apple Pay, Google Pay and Samsung Pay.
Yes, you can add one additional cardholder aged 16 years or older at no extra cost. All points accumulated by the additional cardholder will be credited to the primary cardholder’s Qantas Frequent Flyer account.
