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

Westpac Altitude Platinum Credit Card (Qantas)

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Card features
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Points earned
Westpac Altitude Platinum Credit Card (Qantas)
Apply by 05 aug 20
Westpac Altitude Platinum Credit Card (Qantas)
Now, you can choose to directly earn Qantas points with this Westpac card!
Receive 60,000 bonus Qantas points (terms and conditions apply).
Earn 0.5 Qantas points per $1 spent with this card.
Add to comparison
Qantas Frequent Flyer
Qantas Frequent Flyer
0.5 pts
per $1 spent
after spend criteria

Pros & cons

What's good?

What's not so good?

Receive 60,000 bonus Qantas points when you spend $3,000 on eligible purchases within 90 days of card approval.
Earn 0.5 Qantas points per $1 spent.
Complimentary overseas travel insurance cover for trips up to 3 months.
Tap & go™ quickly and easily using your Mastercard® for a faster transaction.
For information about the points earning rate of other Rewards program options of this card, please click here: 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.

Our review

Our review of the Westpac Altitude Platinum Credit Card (Qantas)Reviewed by Yvonne Taylor

Westpac have decided to expand their range by adding cards which earn Qantas points, and they’re launching them with a fanfare that will benefit new cardholders choosing the Westpac Altitude Platinum Credit Card (Qantas). Regular travellers in particular will enjoy the generous first-purchase bonus points, complimentary seat upgrade vouchers and travel insurance, to add to what is a reasonable ongoing points earning rate.

60,000 bonus points up for grabs

Spend a very achievable target of $3,000 in the first three months of holding the card and you’ll receive 60,000 Qantas Frequent Flyer points. Most people looking for a platinum card will have no trouble spending $1,000 per month on groceries, petrol, transport and utility bills – everyday expenditure – in order to qualify for a points bonanza that’s enough for a return Economy fare from Melbourne or Sydney to Singapore (55,600 points) or Perth to Auckland (44,600 points).

However, anyone who has held, in the last 12 months, a Westpac Earth Platinum or Black card, or Westpac Altitude Platinum or Black card, is not eligible for the bonus points offer.

Reasonable ongoing points earning rate

The ongoing points earning rate of 0.5 points per dollar spent on eligible purchase is not spectacular, but quite reasonable for the card’s annual fee. There is no points threshold or cap, so you can spend as much as you like each month and still earn points at the same rate.

If you’re looking for a higher points earning rate, consider the American Express Westpac Altitude Platinum Credit Card Bundle (Qantas), where you can earn points faster by using the Amex card included in the bundle.

Ways to spend Qantas points

You’ll almost certainly get the best value from your Qantas points by using them for award seats and upgrades with Qantas and its partner airlines. But you can also head over to the Qantas Rewards Store and exchange points for a range of merchandise, retail gift cards, movie gift cards, Qantas gift cards and airport lounge passes.

Complimentary insurance cover for travellers and shoppers

Platinum cardholders expect complimentary insurance cover, and this card does not disappoint. Here’s what you’ll get:

  • An annual multi-trip overseas travel policy, covering emergency medical expenses, luggage, documents, unavoidable trip cancellation or delay, rental vehicle insurance excess waiver, and more
  • Extended warranty cover, doubling the manufacturer’s Australian warranty, up to a maximum of 12 extra months
  • Purchase security insurance, protecting your purchases against loss, theft or accidental damage for up to three months
  • Price guarantee cover, providing a refund of the price difference if you see a recent in-store purchase advertised locally at a much lower price

To be covered by the shopper’s insurance policies you’ll need to use your card to purchase the item to be covered, and the overseas travel policy is activated when you use the card to spend at least $500 on your trip’s prepaid expenses (flights, accomodation, activities, &c).

Annual fee cost easily recovered in benefits value

The value of the bonus points knocks any consideration about the $200 annual fee ($150 card fee + $50 Qantas rewards program fee) right out of the park in the first year. In subsequent years, the seat upgrade vouchers will wipe out most of the fee cost if used for a long flight, if that’s the sort of benefit you appreciate, and if you can make use of them.

The overseas travel insurance is worth at least $240 for a single traveller in any year that they can use it, and at least $600 for a family on an extended holiday.

And we haven’t even begun to count the value of the annual 12,000 Qantas points (enough for a one-way Premium Economy flight between Sydney and Melbourne or Brisbane) you would earn by spending an average of $2,000 per month with the card.

There is no annual fee payable for an additional cardholder, who could help you earn points more quickly.

Check out the competition before you decide

You can compare this card’s benefits with other cards earning Qantas points. Just go to the Qantas page in our Features section.

Disclaimer: 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
Card tier
Card type
Card use
Credit rating
Gambling transactions allowed
Joint application
Minimum age
18 years old
Minimum income
Minimum income for pensioners
Same as standard
Rewards program
Qantas Frequent Flyer
Temporary residents


Additional cardholders
Additional card fee
$0 p.a.

Credit limits

Minimum credit limit
Maximum credit limit


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

Rates & fees

Ongoing interest rates

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


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

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
60,000 points
Reward points expiry
Never as long as you keep your account active
Rewards program
Qantas Frequent Flyer
Spend required for bonus points
$3,000 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
Points cap per year
Points earned on ATO payments
Reward points

Additional benefits

Airport lounge access
Complimentary flight voucher
Concierge service

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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