Altitude Platinum (Altitude Qantas)
Bonus PointsEarn 60,000 bonus Qantas Points when you spend $3000 on eligible purchases within 90 days of approval. Exclusions apply.
- Last updated on 15 Jul 2020
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- Free domestic travel insurance
- Free international travel insurance
- Free supplementary cards
- Purchase protection insurance
- Extended warranty
- Rental car excess insurance
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3% on Mastercard
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Qantas Frequent Flyer
Gift Card, Domestic Flights, International Flights, Flight Upgrades, Qantas Shop, Qantas Hotels
|0.5 points for $1 spent||Mastercard||uncapped||eligible purchases|
- FREE DOMESTIC TRAVEL INSURANCE
- FREE 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
- PURCHASE PROTECTION INSURANCE Cover lasts for 90 days per year
- 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
- Bonus PointsOther Earn 60,000 bonus Qantas Points when you spend $3000 on eligible purchases within 90 days of approval. Exclusions apply.Offer excludes customers who hold/held any Westpac Rewards credit card in the last 12 months
$0 Annual fee in the first year ($150 after). $50 Qantas Rewards fee applies.
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Westpac is not only the oldest bank in Australia, but it's also the country’s oldest company. It was first established in 1817 as the Bank of New South Wales. Following a series of mergers and acquisitions, in 1982 it changed names to Westpac Banking Corporation.
It’s now one of the big four banks in Australia, with almost 14 million customers, 1400+ branches, 39,000 staff and close to 4000 ATMs.
Westpac has an extensive range of credit cards, as well as home loans, personal loans, card loans and much more. Its subsidiaries include St. George Bank, Bank of Melbourne and BankSA.
The Westpac Altitude Platinum credit card allows cardholders to earn and redeem Qantas Frequent Flyer points for every dollar spent on eligible purchases. The Westpac Altitude Platinum credit card can be either an American Express or a Visa card, and includes additional benefits such as a 24/7 concierge service, complimentary insurances and the ability to add an additional cardholder at no extra cost.
This credit card has a moderately high annual fee as well as a high interest rate on purchases and cash advances. It also has a moderate minimum credit limit and moderately low minimum income requirement, making most people in full-time employment eligible to apply.
Like all Westpac credit cards, the Westpac Altitude Platinum credit card also comes with Westpac Added Online Security and Fraud Money Back Guarantee.
- Earn Qantas Frequent Flyer points
- Four complimentary insurances
- Free additional cardholder
- High interest rate
- Moderately high annual fee
- Foreign transaction fees
Who is it good for?
The Westpac Altitude Platinum credit card’s ability to earn you frequent flyer points makes this credit card most suitable for current Qantas Frequent Flyer members. Qantas Frequent Flyers can also take advantage of the bonus points on offer when they sign up, provided that they meet the minimum spend requirement in the first few months.
There are other credit cards with more generous points earned per dollar, but for customers who are already using Westpac, this card could be a good option. Couples could also benefit, by adding an additional cardholder for free and earning frequent flyer points on both cardholders’ transactions.
This credit card is more suitable for customers who are planning on putting the majority of their everyday (and larger) expenses on the credit card. By this means, the frequent flyer points earned could certainly justify the moderately high annual fee.
What RateCity says
The Westpac Altitude Platinum credit card has a reasonably generous system of earning Qantas Frequent flyer points, as well as a number of additional perks. With four complimentary insurance products included, as well as a 24/7 concierge service, this credit card has quite a few extras that other rewards cards can sometimes lack.
However, these benefits do come at a cost, as the Westpac Altitude Platinum credit card has a moderately high annual fee, as well as a high interest rate. Current Westpac customers who are already Qantas Frequent Flyer members will benefit most from this credit card, especially if they are medium to big spenders. Other customers may certainly find value in this card with the complimentary extras and ability to earn air miles, but should weigh up whether the rates and fees justify this.
To be eligible for the Westpac Altitude Platinum credit card you must be aged 18 years or older, an Australia citizen or permanent resident, and currently be based in Australia. When applying online, you will need to provide a form of identification, income and expenses details, as well as your employment details. The online application process should only take about 10 minutes, and you can expect to receive a response within 60 seconds.
About the lender
Westpac is one of the largest banking groups in Australia, and one of the big four banks in Australia. Officially known as Westpac Banking Group, its name is derived from compounding ‘Western-Pacific’. Founded in 1817, Westpac was then known as the Bank of New South Wales and was the first bank established in Australia. Today, Westpac is headquartered in Sydney and serves customers worldwide, with over 1,400 branches and more than 3,000 ATMs.
Property Personal Finance Writer
A property and personal finance writer, Nick Bendel covers property, loans, credit cards, superannuation, and other bank products. Nick has previously written for The Adviser, Mortgage Business, Lifehacker, Business Insider, Yahoo Finance, and InvestorDaily, and loves getting elbow-deep in the latest ABS, APRA and RBA data.