Westpac Altitude Qantas Platinum (Reduced first year annual fee for Westpac Customers)

$99 first year annual fee

$75 reward program fee

70,000 points

$3,000 min limit

$30,000 annual income required

0.50 points per dollar

Spend $4,000 in 90 days

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Summary

Low Fee

Key Highlights

• 70,000 bonus points
• $99 annual fee

Offer Details

First Year Points

70,000 points

Qantas

Second Year Points

30,000 points

With $175 annual fee

Minimum Spend

$4,000

within 3 months

Ongoing Earn Rate

0.50x points per $1 spent

Fees

First Year Annual Fee

$99

Ongoing Annual Fee

$175

From year 2 onwards

Program Fee

$75

Additional fee for reward program participation

Note: Additional fees may apply for cash advances, foreign transactions, overlimits, and late payments. Check the issuer's terms and conditions for complete fee details.

Benefits

Travel Insurance

Up to 6 months complimentary international travel insurance cover when eligibility criteria are met, including prepaying $500 of travel costs and holding a return overseas ticket before departure from Australia.

Rental Vehicle Insurance

Rental vehicle excess cover in Australia included as part of complimentary insurances.

Purchase Protection Insurance

Up to 4 months purchase protection insurance on eligible purchases as per the Credit Card Complimentary Insurance Policy.

Extended Warranty Insurance

Up to 24 months extended warranty insurance cover in addition to the manufacturer's Australian warranty on eligible purchases.

Transit Accident Insurance

Overseas transit accident insurance covers accidental death or injury when traveling overseas as a passenger on plane, bus, train or shorthaul ferry with tickets purchased on the card.

No Additional Cardholder Fee

One additional cardholder aged 16 years or older can be added at no extra cost.

Digital Wallet Integration

Card can be added to Apple Pay, Samsung Pay, and Google Pay digital wallets.

Digital Card Issuance

Instant Digital Card available from account opening before physical card arrives.

Buy Now Pay Later

PartPay feature allows splitting purchases into 4 payments over 6 weeks.

Interest Free Periods

Up to 45 days interest-free period on purchases when closing balance is paid in full by due date; excludes cash advances.

Expert Analysis

Bonus Difficulty

Easy

●○○

$44 per day required

First Year Cost

$174

annual fee + $75 program fee

Estimated Bonus Value

$1368

Based on 1.9¢ per Qantas point

Earn Rate

Average

●●○○

0.50x Qantas points per $1

RWRDS Insight

This analysis is generated using RWRDS algorithms based on current market data, bonus structures, and fee schedules. Values are estimates and actual results may vary. Consider your spending patterns and reward preferences when evaluating offers.

I'd like to use my 72,000 bonus points for:

Supermarket Gift Cards Qantas Reward Flights

History

6 Dec 2025

3 changes

Annual Fee:

$49$99

Bonus:

75,00070,000

Second Year Bonus:

030,000

26 Jun 2025

1 changes

Minimum Credit Limit:

6,0003,000

26 Mar 2025

3 changes

Expiration Date:

25 Mar 2025

Bonus:

60,00075,000