ANZ Frequent Flyer Platinum vs Westpac Altitude Qantas Platinum

Compare ANZ Frequent Flyer Platinum, Westpac Altitude Qantas Platinum side by side: annual fees, interest rates, rewards and eligibility to find the right card for you.

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Side-by-side comparison of ANZ Frequent Flyer Platinum vs Westpac Altitude Qantas Platinum.
	ANZ Frequent Flyer Platinum	Westpac Altitude Qantas Platinum

Card details

CardIQ

How we calculate scores

Overall	35Basic	43Fair Highest
Balance transfer	34/100	–
Frequent flyer	34/100	41/100Highest
Qantas Points	34/100	41/100Highest
Rewards	33/100	38/100Highest
Sign-up bonus	37/100	55/100Highest
Travel	36/100	39/100Highest

The basics

Card tier	Platinum	Platinum
Card type	Visa	Mastercard
Credit rating	Good	Good
Rewards program	Qantas Frequent Flyer	Qantas Frequent Flyer
Credit limit	$6,000 – $100,000	$3,000 – $50,000

Eligibility

Minimum age	18 years old	18 years old
Minimum income	Not specified	$30,000 p.a.
Residency	Australian citizen or permanent resident	Australian citizen or permanent resident
Joint application	No	No
Temporary residents	Eligible	Not eligible
Instant approval	Yes (~60 seconds)	Yes (~60 seconds)

Repayments

Interest-free period	Up to 44 days	Up to 45 daysHighest
Minimum repayment	2% of the closing balance or $25, whichever is greater	2% of the closing balance or $10, whichever is greater

Rates & fees

Ongoing interest rates

Purchases	20.99% p.a.	20.99% p.a.
Cash advances	21.99% p.a.	21.99% p.a.

Fees

Annual fee	$240 p.a.	$175 p.a.Lowest
Monthly fee	—	—
Additional cardholder fee	$65	$0Lowest
Cash advance fee	3% of the amount	3.5% of the amount
Foreign transaction fee	3.5%	3%Lowest
Late payment fee	$20	$20

Rewards

How many points could you earn?

Enter your monthly spend to see estimated annual points for each card below.

Earn rate

Everyday spend	0.75 pts per $1 up to $3,000 per statement period	None
Bonus categories	None	0.5 pts per $1 in bonus categories
Other purchases	None	0.35 pts per $1 on other purchases, up to $5,000 per statement period
Overseas spend	None	0.75 pts per $1 on overseas spend
ATO/government	None	None
Reduced rate above monthly cap	0.5 pts per $1 above $3,000 per statement period	0.2 pts per $1 above $5,000 per statement period
Points cap	Uncapped	Uncapped
Points expiry	Points don't expire while your account is open and in order.	Points don't expire while your account is open and in order.
Estimated annual points	67,000 ptsWorth $804	112,600 ptsWorth $1,351Highest

Sign-up bonus

Sign-up bonus	40,000 points	100,000 pointsHighest
Bonus spend required	—	—

Related comparisons

Sources

Credit Card Compare: How CardIQ scores cards
Government: Product reference data (Consumer Data Right)
Issuers: ANZWestpac
Program: Qantas Frequent Flyer