Westpac Altitude Qantas Platinum (Reduced first year annual fee for Westpac Customers)
$49 first year annual fee
$75 reward program fee
75,000 points
$3,000 min limit
$30,000 annual income required
0.50 points per dollar
Spend $4,000 in 90 days
Summary
Low Fee
Key Highlights
- • 75,000 bonus points
- • $49 annual fee
Offer Details
Signup Bonus
75,000 points
Qantas
Minimum Spend
$4,000
within 3 months
Ongoing Earn Rate
0.50x points per $1 spent
Fees
First Year Annual Fee
$49
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
$124
annual fee + $75 program fee
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 77,000 bonus points for:
$226 of profit after meeting spend requirements
+ $350 Woolworths gift cards
- $49
annual fee
$250
x 1
$100
x 1
in Woolworths gift cards, $350 total, with 4,520 points remaining.
History
26/06/2025
2 changes
Successfully Scraped At:
18/08/2025
Minimum Credit Limit:
6,0003,000
26/03/2025
3 changes
Expiration Date:
25/03/2025
Bonus:
60,00075,000
Second Year Bonus:
20,0000
25/01/2025
2 changes
Expiration Date:
30/04/202525/03/2025
Interest Rate:
2020.99
- Expiration changed from 27/02/24 to 31/07/24, Bonus from 70K to 60Ka year ago
- Expiration changed from 30/04/24 to 27/02/24a year ago
- Expiration changed from 01/11/23 to 30/04/242 years ago
- Offer end date changed to 14th June 2023 due to fee changes https://www.westpac.com.au/content/public/wbc/en/personal-banking/credit-cards/reward/reward-card-changes.html2 years ago
- Offer extended to 29th June 20233 years ago
