Important disclosure

Westpac Banking Corporation Ltd

Westpac Altitude Platinum (Altitude Qantas)

  • Apple, Google & Samsung Pay
  • Balance transfer
  • Instant approval

Bonus Points

Earn 80,000 bonus Qantas Points and a reduced first year annual card fee.

60,000 Qantas Points in year 1 if you spend $4k+ on eligible purchases† within 90 days of new card approval and an extra 20,000 points after your first eligible purchase in year 2. Offer excludes customers who hold/held an Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas or Velocity in the last 12 months. A reduced first year annual card fee (reverts to $175 thereafter) T&Cs apply.

Purchase Rate

19.99%

p.a

Balance Transfer Rate

0%

p.a

Tags
  • Apple, Google & Samsung Pay
  • Balance transfer
  • Instant approval
Purchase Rate

19.99%

p.a

Balance Transfer Rate

0%

p.a

Annual Fee

$99

for 12 months then $175 thereafter

Pros and cons

For Altitude Platinum (Altitude Qantas)

Benefits

  • Rewards Available through Qantas Frequent Flyer
  • Extra 80,000 points subject to eligibility conditions
  • $99 annual fee in the first 12 months and $175 p.a thereafter.
  • Ability to convert large purchases into instalment plans
  • Apple Pay, Google Pay and Samsung Pay available
  • Domestic travel insurance
  • International travel insurance
  • Free supplementary cards
  • Extended warranty
  • Rental car excess insurance
  • Concierge
  • Purchase protection insurance

Drawbacks

  • Higher than average ongoing variable purchase rate
  • Higher than average ongoing annual fee

Westpac Rate Credit card overview

For Altitude Platinum (Altitude Qantas)

Details

Card Level

Platinum

Card Type

MasterCard

Interest Free Days

45

Minimum monthly repayment

2% or $10

Minimum credit limit

$6k

Maximum credit limit

$30k

Free supplementary cards

Instant Approval

Target Market Determination

Visit Westpac Banking Corporation Ltd to view Target Market Determination.

Fees

Annual Fee

$99

for 12 months then $175 thereafter

Annual Fee Spend Waiver

Supplementary card annual fee

$0

Late Payment Fee

$15

Over limit fee

$15

Duplicate statement fee

$2

Electronic Wallet Service

Important Rates

Rates

Purchase Rate

19.99%

p.a

Cash advance rate

21.49%

Cash advance fee

2% or $2.5

Balance Transfer

Balance Transfer Rate

0%

p.a

Transfer Limit

80%

of the approved credit limit

Balance Transfer Fee

1%

Overseas spending

Foreign Exchange Fee

3% on Mastercard

Overseas charges

$2.5

Estimated ATM Cost

$11.5

for AU $300 withdrawal

Rewards

Program name

Qantas Frequent Flyer

Rewards Available

Gift Card, Domestic Flights, International Flights, Flight Upgrades, Qantas Shop, Qantas Hotels

Eligibility

Minimum age

18

Minimum income

$30k

Eligibility conditions

You have a regular, verifiable income

Residency

Perks

  • DOMESTIC TRAVEL INSURANCE
  • INTERNATIONAL TRAVEL INSURANCE Available for covers up to $15,000 for loss or damage to personal property, $550 for loss or damage to travel documents and $2.5 million of personal liability cover
  • FREE SUPPLEMENTARY CARDS
  • EXTENDED WARRANTY Warranty is extended for the same duration as the original warranty up to 1 year.
  • RENTAL CAR EXCESS INSURANCE Covers up to $5000
  • CONCIERGE
  • PURCHASE PROTECTION INSURANCE Cover lasts for 90 days per year
Specials
  • Bonus PointsOther Earn 80,000 bonus Qantas Points and a reduced first year annual card fee.
    60,000 Qantas Points in year 1 if you spend $4k+ on eligible purchases† within 90 days of new card approval and an extra 20,000 points after your first eligible purchase in year 2. Offer excludes customers who hold/held an Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas or Velocity in the last 12 months. A reduced first year annual card fee (reverts to $175 thereafter) T&Cs apply.

Other Restrictions

Annual fee includes Qantas Rewards fee of $75. To pay no interest on your balance transfer you need to pay it off before the promotional period ends. Annual fee includes $50 Qantas rewards program fee. You do not receive points if your card account is in arrears for 2 consecutive statement cycles.

Promoted credit cards

Promoted

Longer Balance Transfer

Visa Platinum Credit Card

  • Balance transfer
Purchase Rate

4.99%

p.a

for up to 5 months, then 19.49%

Annual Fee

$199

Promoted

Lower Purchase Rate

Rewards Platinum

  • Apple, Google & Samsung Pay
  • Balance transfer

Bonus Points

80,000 ANZ Reward Points and $50 back to your new ANZ Rewards Platinum credit card when you spend $2,000 on eligible purchases in the first 3 months from approval.
Purchase Rate

20.99%

p.a

Annual Fee

$149

Promoted

Lower Annual Fee

Latitude 28º Global Platinum Mastercard

  • Apple, Google & Samsung Pay
  • No annual fee

special

Save with 0% international transaction fees on purchases. Plus, complimentary Flight Delay Pass and global data roaming.
Purchase Rate

27.49%

p.a

Annual Fee

$0

Promoted

More Free Days

Qantas Platinum Mastercard

  • Google Pay
  • Balance transfer

Bonus Points

Earn up to 50,000 Bonus Qantas Points.
Purchase Rate

19.99%

p.a

Annual Fee

$160