Westpac Altitude Qantas Platinum
$175 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
Offer Details
Mid-Tier
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
$175
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.
I'd like to use my bonus for:
Craig's Analysis70,000 bonus + 2,000 from $4,000 spend
72,000 Qantas pts × 1.6¢/pt = $1,152
− $250 first year fees
Est. profit $902
Bonus Difficulty
Easy
●○○$44 per day required
First Year Cost
$250
annual fee + $75 program fee
Earn Rate
Average
●●○○0.50x Qantas points per $1
Did this help you make a decision?
$75 of profit after meeting spend requirements
+ $325 Woolworths gift cards
- $175
annual fee
$250
x 1
$50
x 1
$25
x 1
in Woolworths gift cards, $325 total, with 4,640 points remaining.
History
19 Mar 2026
1 changes
Points Per Dollar:
0.350.50
23 Jan 2026
0 changes
20 Jan 2026
0 changes
20 Jan 2026
1 changes
Points Per Dollar:
0.500.35
6 Dec 2025
2 changes
Bonus:
75,00070,000
Second Year Bonus:
030,000
26 Jun 2025
1 changes
Minimum Credit Limit:
6,0003,000
26 Mar 2025
4 changes
Expiration Date:
25 Mar 2025
Annual Fee:
$119$175
Bonus:
60,00075,000
Second Year Bonus:
20,0000
15 Aug 2024
3 changes
Expiration Date:
31 Jul 202425 Mar 2025
Annual Fee:
$99$119
Interest Rate:
20.0020.99
- Expiration changed from 27/02/24 to 31/07/24, Bonus from 70K to 60K2 years ago
- Expiration changed from 30/04/24 to 27/02/242 years ago
- Expiration changed from 01/11/23 to 30/04/242 years ago
- Annual fee increased from $50 to $1243 years ago
- Annual fee increased from $99 to $1743 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.html3 years ago
- Offer extended to 29th June 20233 years ago
- Bonus reduced from 75k to 70k, offer ends 31/12/224 years ago
- Offer extend from 24/02/22 to 30/06/224 years ago