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Card Overview
Key Attributes
Earn
Qantas Points per $1
0.75 points
on international spend
0.5 points
on everyday spend
0.35 points
on all eligible purchases. Once you spend $5,000 in a statement cycle, you will earn 0.2 Qantas Points per $1 on further eligible purchases.
Travel Benefits
Travel Insurance
Complimentary overseas Travel Insurance (PDS)
Points Cap
Yes
Once you spend $5,000 in a statement cycle, you will earn 0.2 Qantas Points per $1 on further eligible purchases
Annual Fee
$250 p.a.
$175 + $75 annual Qantas Rewards fee
ATO Points
No
Overseas Transaction Fee
3%
of the converted amount
Interest-free Period
Up to 45 days
Purchase Rate
20.99% p.a.
Cash Advance Rate
21.99% p.a.
Why Choose This Card
This card is a smart choice for travellers who want to start earning Qantas Points without stepping into the high-fee, premium card tier. It sits just below the Altitude Black in Westpac’s Qantas range, offering a more accessible annual fee, slightly lower earn rates, and fewer perks, but still enough to deliver meaningful value for travellers.
With an earn rate of 0.75 Qantas Points per $1 on international purchases and 0.5 Points per $1 on everyday spend, it’s well suited for those who want to keep points accumulating steadily from daily transactions. While the earn rate isn’t as high as the Black version, the lower annual fee helps balance that trade-off for cardholders who spend moderately rather than heavily.
We also like that the Platinum still includes international travel insurance, which adds tangible peace of mind for overseas trips, a feature often missing in entry-level cards. For many users, that combination of lower cost, reliable earn rates and essential cover makes this card an appealing middle ground between a basic Qantas Points earner and a fully-fledged premium product.
This guide references some of the benefits of insurance policies provided with this card. You should read the PDS and obtain independent professional advice before obtaining this product.
Where could 100,000 Qantas points take you?
You could redeem them for the following:
Los Angeles, with extra comfort
Fly to Los Angeles using Qantas Points.
Step into the energy of Hong Kong
Fly to Hong Kong using Qantas Points.
Extra Benefits
Mobile Wallet
Apple Pay, Google Pay and Samsung Pay
Westpac is offering up to 100,000 bonus Qantas Points to new Westpac Altitude Qantas Platinum cardholders.
The bonus is split into two parts. You will receive 70,000 Qantas Points when you spend $4,000 on eligible purchases within 90 days of card approval and an additional 30,000 Qantas Points when you spend $4,000 on eligible purchases within 90 days of your card opened date anniversary.
The Altitude Platinum is the mid-range card within the Altitude range and is available in both the Altitude Rewards and Qantas variants. This guide specifically looks at the Qantas variant.
The ongoing card fee is $175 p.a. (plus a $75 annual Qantas Rewards fee).
Disclaimer: Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
Details of the Westpac Altitude Qantas Platinum Credit Card
Card Details
| Card | Westpac Altitude Qantas Platinum Credit Card |
| Loyalty program | Qantas Frequent Flyer |
| Points earned from spend | 0.75 Qantas Points per $1 on international spend 0.5 Qantas Points per $1 on everyday spend, and 0.35 Qantas Points per $1 on all other purchases Capped at $5,000 per statement cycle, then 0.20 Qantas Points per $1 afterwards |
| Minimum income requirement | $30,000 p.a. |
| Included insurances | Extended Warranty & International Travel Insurance (PDS) |
| Overseas transaction fee | 3.0% of the converted amount |
| Mobile wallet | Apple Pay, Google Pay and Samsung Pay |
| Card fee | $175 p.a. ongoing + ($75 annual Qantas Rewards fee) |
Altitude Qantas vs Altitude Rewards
The Altitude Card range offers a choice between earning Qantas Points through Qantas Frequent Flyer or Altitude Rewards Points through Westpac’s own loyalty program Altitude Rewards. The latter allows cardmembers to transfer their Altitude Rewards Points to a number of airline partners but doesn’t include Qantas.
In addition to the ongoing card fee, there is an annual $75 Qantas Rewards fee on the Westpac Altitude Platinum Qantas Mastercard.
When choosing the rewards program that is right for you, you’ll also need to factor in the different earn rates of each currency and transfer rates to partner programs. Our full guide to Altitude Rewards offers more detail about the program’s benefits.
The choice between Altitude Qantas or Altitude Rewards will depend on your personal points-earning preference.
Included insurances and other benefits
The Altitude Qantas Platinum Card comes with a range of insurances, including overseas travel insurance for trips up to 3 months in length, transit accident insurance and extended warranty insurance. You should check the descriptions for each policy if you plan to rely on them. Read the PDS for the Westpac Altitude Platinum here.
This guide references some of the benefits of insurance policies provided with this card. You should read the PDS and obtain independent professional advice before obtaining this product.
Westpac Apple Pay, Google Pay & Samsung Pay support
Westpac cards support Apple Pay, Google Pay & Samsung Pay, meaning you can use this card on your smartphone for easier payments. Find out more in our guides for each of the compatible services.
Summing up: the Westpac Altitude Platinum Card
The Westpac Altitude Qantas Platinum Card is a mid-range card that will suit those looking to earn Qantas Points. For those looking to have greater flexibility in which program their points are directed to, then you instead may wish to consider the Altitude Rewards option of this card.
The card has a competitive earn rate compared to similar cards in the market and has a relatively high annual cap on the number of points that can be earned, which is definitely a perk not seen on most competitor cards.
Eligibility Criteria
These are the minimum requirements to be eligible to apply for this Card. Other additional eligibility criteria, such as proof of income, will generally be required later on.
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Be aged 18 years or over
-
Be an Australian citizen, permanent resident, or hold a long-term visa
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Minimum income required $30,000 p.a.
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Have a good credit history and no payment defaults
-
To be eligible for the bonus offer, you must not hold, or have held, an Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas or Velocity in the last 24 months
Frequently Asked Questions
How does the Complimentary International Travel Insurance work and am I eligible for it?
You’ll automatically apply the complimentary international travel insurance if you prepay $500 of your travel costs to your eligible card and hold a return overseas ticket before departing Australia.
What do the complimentary insurances cover?
The card includes international travel insurance, transit accident insurance, purchase protection, extended warranty on eligible items, rental vehicle excess cover in Australia, and interstate flight inconveniences.
Can I access lounges with this card?
No, this card does not include Qantas Club Complimentary Lounge Invitations. Lounge access typically comes with the higher-tier Altitude Qantas Black variant.
Who is eligible for the sign-up bonus?
The sign-up bonus points offer is not available if you’ve held an Altitude Platinum or Altitude Black card with Altitude, Qantas or Velocity in the previous 24 months.
Can I add additional cardholders?
Yes, you can add one additional cardholder at no extra cost. Points earned by the supplementary cards will flow to the primary cardholder’s Qantas Frequent Flyer account.
Is there a points cap or reduction?
Yes, points are capped at 50,000 Qantas Points per year for base earn, with bonus points excluded from this cap.
If you regularly spend above that threshold, consider the Westpac Altitude Qantas Black, which offers a higher earn rate and more perks. Once you spend $10,000 in a statement cycle, you will earn 0.25 Qantas Points per $1 on further eligible purchases.