Westpac Altitude Platinum Credit Card (Qantas) | Review & Apply

Westpac Altitude Platinum Credit Card (Qantas) Exclusive Offer

What do you want this card for?
Save money
Earn points
My rate: 
17%
 
My annual fee: 
$90
 
Transfer: 
$5,000
 
From: 
All banks
Offer
Card features
balance transfer
purchase rate
annual fee
Money saved
Westpac Altitude Platinum Credit Card (Qantas) Exclusive Offer
Apply by 31 mar 20
Westpac Altitude Platinum Credit Card (Qantas) Exclusive Offer
ONLINE EXCLUSIVE
0% p.a. for 20 months on balance transfers. Reverts to variable cash advance rate.
Receive 40,000 Qantas bonus points when you spend $2,000 on eligible purchases within 90 days of card approval.
Earn 0.5 Qantas points per $1 spent with this card.
Add to comparison
20 months
0% p.a.
then 21.49%
with a 0% fee
20.49% p.a.
ongoing
$200*
ongoing

Pros & cons

What's good?

What's not so good?

ONLINE EXCLUSIVE
0% p.a. for 20 months on balance transfers. Reverts to variable cash advance rate.
Receive 40,000 Qantas bonus points when you spend $2,000 on eligible purchases within 90 days of card approval.
Earn 0.5 Qantas points per $1 spent with this card.
Complimentary overseas travel insurance cover for trips up to 3 months.
Complimentary concierge service to be your own personal assistant, 24/7, worldwide.
Tap & go™ quickly and easily using your Mastercard® for a faster transaction.
For information about the EXCLUSIVE OFFER of points earning rate of other Rewards program options of this card, please click here: Velocity or Altitude.
There is a $50 Qantas Rewards opt-in fee if you choose to earn Qantas points through the Altitude Qantas rewards program on top of $150 p.a. annual fee.

The interest free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date.

*Inclusive of $150 p.a. card annual fee and $50 opt-in fee to earn Qantas points.

Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Disclaimer (2): Reviews rely upon third party information that may not be correct or may be changed without Credit Card Compare’s knowledge. You must carefully consider your own circumstances before making any commitments and confirm all offers and terms with credit card providers before accepting them. Please refer to our T&Cs for more.

The basics

About this card

Card setup
Single
Card tier
Platinum
Card type
Mastercard
Card use
Personal
Credit rating
Any
Gambling transactions allowed
No
Joint application
No
Minimum age
18 years old
Minimum income
$30,000
Minimum income for pensioners
Same as standard
Pensioners
Rewards program
Qantas Frequent Flyer
Temporary residents
N/A

Cardholders

Additional cardholders
1
Additional card fee
$0 p.a.

Credit limits

Minimum credit limit
$6,000
Maximum credit limit
$50,000

Repayments

Interest charged from
Purchase date
Interest free period
Up to 45 days on purchases
Minimum repayment
2%

Balance transfers

The offer

Interest ratePeriodFeeLimitRevert rate
Balance transfers0% p.a.20 months0%80% of credit limit21.49% p.a.

Balance transfers to this card

Balance transfer earns rewards
No
Balance transfer fee payment due
First statement
Balance transfer from personal loan
N/A
Balance transfer processing time
10 - 14 days
Interest free days with unpaid balance
0 days
Maximum balance transfer
80% of credit limit
Available to existing customers
No

Banks you can't balance transfer from

You can't balance transfer to the Westpac Altitude Platinum Credit Card (Qantas) Exclusive Offer at the promotional balance transfer rate from:

  • Westpac

Rates & fees

Promotional interest rates

Interest ratePeriodFeeLimitRevert rate
Balance transfers0% p.a.20 months0%80% of credit limit 21.49% p.a.
PurchasesN/AN/AN/AN/A N/A

Ongoing interest rates

MonthlyAnnually
Cash advances 1.79% 21.49% p.a.
Purchases 1.71% 20.49% p.a.

Fees

Annual fee
$200* p.a.
Cash advance fee
whichever is greater, $2.50 or 2%
Dishonour fee
$9
Duplicate statement fee
$2
Foreign exchange fee
3%
Late payment fee
$15
Over limit fee
$0
Overseas ATM balance fee
$0
Overseas ATM withdrawal fee
$2.5
Overseas emergency card replacement fee
$0
Transaction verification fee
$0

Rewards & points

Cool stuff you can get with your points

Disclaimer: Points required accurate as of the 31st March 2018.

Rewards program basics

First purchase bonus
40,000 points
Reward points expiry
Never as long as you keep your account active
Rewards program
Qantas Frequent Flyer
Spend required for bonus points
$2,000 in 90 days

Earning points with this card

Frequent flyer points
0.5 pts per $1 spent
Overseas earn rate
Same as standard earn rate
Points cap per month
Unlimited
Points cap per year
Unlimited
Points earned on ATO payments
N/A
Reward points
N/A

Additional benefits

Airport lounge access
No
Complimentary flight voucher
No
Concierge service
Yes

Minimum criteria for this card

What you need before applying

Be over 18 years old
You are a resident or citizen of Australia
Earn a regular income of more than $30,000 per year
You have your personal details ready to complete the online application
Have not applied for multiple credit cards recently
Age Pension, Disability Pension, Veteran's Pension and Widower's Pension are acceptable.
Austudy, Child Support Payments, Family Tax Benefits and Parenting Payments, Foster Care Allowance and Youth Allowance are acceptable.
Joint applications are not allowed
Overseas Pension is not acceptable.
Carer's Allowance is not acceptable.
Disclaimer: The minimum criteria are intended only to be a guide. Your application may still be rejected by the bank even if you can answer 'Yes' to all the minimum criteria. The final decision regarding your application is up to the bank.

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