Westpac Altitude Qantas Platinum

Name: Westpac Altitude Qantas Platinum
Brand: Westpac

Data last updated 20 July 2026

20.99%

Purchase rate

$175

Annual fee

100,000

Bonus points

Do you manage Westpac card listings? Claim on Partner Central

60 second approval

You may have seen us in

CardIQ

43Fair

Fair

Overall score, out of 100 · How this works

Frequent flyer41
Qantas Points41
Rewards38
Sign-up bonus55
Travel39

Customer reviews

No reviews yet. Be the first to review the Westpac Altitude Qantas Platinum.

Pros & cons

What's good

100,000 bonus Qantas Points to start, worth around $1,200 at our 1.2c-per-point valuation.
Complimentary international travel insurance.
Earns 0.5 points per $1 on bonus categories and 0.75 points per $1 on overseas spend.
No fee to add an additional cardholder.

Worth noting

The 20.99% p.a. purchase rate sits in the most expensive quarter of cards (the median is 18.99% p.a.) if you carry a balance.
Earns 0.35 points per $1 on everyday spend, below the dataset average.
The 0.35-point rate on other purchases applies only to the first $5,000 spent each statement period, then drops to 0.2 points per $1.
3% foreign transaction fee on overseas spending.

Card details

The basics

Additional cardholder fee: $0 p.a.
Card tier: Platinum
Card type: Mastercard
Card use: Personal
Credit limit: $3,000 – $50,000
Credit rating: Good
Rewards program: Qantas Frequent Flyer

Eligibility

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

Rates & fees

Ongoing interest rates

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

Fees

Additional cardholder fee: $0
Annual fee: $175 p.a.
Cash advance fee: 3.5% of the amount
Foreign transaction fee: 3%
Late payment fee: $20

Repayments

Interest-free period: Up to 45 days on purchases
Minimum repayment: 2% of the closing balance or $10, whichever is greater

Balance transfers

This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

Earn rate

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

Sign-up bonus

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

Also available

Earn Velocity Frequent Flyer points

Same card, different loyalty program. You choose at signup.

Where these points could take you

Flights you could book with the sign-up bonus plus a year of spending $3,000 a month on this card. One-way from Sydney or Melbourne, one adult, before taxes and carrier charges. Award prices and seat availability change.

Complimentary insurance

Cover has conditions and exclusions, which are set out in the issuer's PDS. A missing row means we haven't captured that figure, not that the cover is absent.

Overseas travel

Activation: Prepay part of the trip on the card
Activation spend: $500
Age limit: 80 years
Cover limit: Unlimited
Excess: $300
Maximum trip length: 90 days
Not covered: Pre-existing conditions, unless the insurer agrees in writing
Underwriter: Allianz Australia Insurance Limited

Rental vehicle excess

Activation: Book with the card and take the hire company's waiver
Cover limit: $5,500
Excess: $300
Voids cover: Unsealed roads, drink driving, a driver not on the agreement
What it pays: The hire company's excess, not the vehicle

Purchase protection

Activation: Pay for the item with the card
Annual limit: $135,000
Cover period: 120 days
Excess: $300
Not covered: Cash, consumables and animals
Per-item limit: $10,000
Voids cover: Leaving the item unattended in a public place
What it pays: Theft, loss and accidental damage

Extended warranty

Activation: Pay with the card for an item under manufacturer's warranty
Annual limit: $20,000
Excess: $300
Not covered: Anything the manufacturer's warranty already excluded
Per-item limit: $20,000
What it pays: Mechanical failure once that warranty ends

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

FeatureThis cardWhere it ranks

Sign-up bonus$1,200Better than most (16th of 59 cards)

Overseas fee3.00%Better than most (53rd of 200 cards)

Purchase rate20.99%Not as good as most cards (125th of 196 cards)

Interest-free days45 daysNot as good as most cards (126th of 192 cards)

Annual fee$175 a yearNot as good as most cards (138th of 200 cards)

Rewards value$151 a yearAmong the weakest we track (82nd of 95 cards)

Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

Compare side by side

Browse by card type

Compare the Westpac Altitude Qantas Platinum against every other card in its category.

Frequent flyer Rewards View all →

Questions and answers

No questions yet. Ask the first one about Westpac Altitude Qantas Platinum.

Sources

Credit Card Compare: Australian credit card statisticsHow CardIQ scores cards
Government: Product reference data (Consumer Data Right)
Issuer: Westpac
Program: Qantas Frequent Flyer