Rewards credit cards
Altitude Qantas Platinum

[Image: Altitude Qantas Platinum]

Qantas Points

Altitude Qantas Platinum

Earn Qantas Points directly to your Qantas Frequent Flyer account and enjoy Platinum credit card benefits.

Important notice

From 1 October 2026, we’re making changes to the Westpac Credit Cards Complimentary Insurance Policy. Find out more

You could earn up to 100,000 bonus Qantas Points

See full offer details below.

Already with Westpac? Sign in to apply and get a $99 card fee for the first year.A $125 annual Qantas Rewards Program fee still applies

Earn up to 0.75 Qantas Points per $1 spent on eligible purchases

Plus earn up to 1 bonus Qantas Point per $1 spent on selected Qantas products and services in Australia

Offer

Earn up to 100,000 bonus Qantas Points

Up to 100,000 bonus Qantas Points — 70,000 bonus Qantas Points in year 1 if you spend $4k+ on eligible purchases within 90 days of new card approval and an extra 30,000 points with $4k+ spend on eligible purchases within 90 days of card anniversary in year 2.

Already with Westpac? Sign in to apply and get a $99 card fee for the first year (reverts to $175 thereafter). A $125 annual Qantas Rewards Program fee still applies.

Offer not available if you’ve held an Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas or Velocity in the last 24 months. New cards only. T&Cs apply.

Apply now

Features

'Double dip' for more Qantas Points - Whether you are purchasing groceries or stocking up on Qantas Wine, you can earn points twice when you use your Qantas Points earning credit card to do your shopping with Qantas and their partners.

Complimentary travel insurances - Access to a range of complimentary travel insurances provided by Allianz Global Assistance.

International cover includes Overseas Emergency Assistance, Overseas Medical & Hospital Expenses, and Personal Liability
Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia covers benefits such as Cancellation, Flight Delay, Lost Luggage and Rental Vehicle Insurance

Terms, conditions, exclusions, limits and applicable sub-limits and eligibility apply.

Up to 45 days interest-free - To give you more opportunity to avoid interest charges on your purchases. Note cash advances aren’t covered by this interest-free period.

Cashback and discounts - With a Westpac credit card, you'll get personalised cashback offers from Westpac Extras, Westpac bonus Cashback when you shop via the Westpac Lounge on ShopBack, plus other discounts and offers from a wide range of shops, in-store and online.

Tools to stay on top - These include options like PartPay, SmartPlan, Balance Transfers, Card Autopay and SMS payment reminders.

Additional cardholder - Add 1 additional cardholder (16 years or older) at no extra cost.

How to earn points?

0.75	Qantas Points per $1 on international spend
0.5	Qantas Points per $1 on everyday spend
0.33	Qantas Points per $1 spend on all other purchases

Once you spend $5,000 in a statement cycle, you will earn 0.2 Qantas Points per $1 on further eligible purchases.

Rates and minimum requirements

New cards only.
Variable purchase rate	23.98% p.a.
Variable cash advance rate	23.99% p.a.
Minimum credit limit	$3,000
Minimum income required	$30,000 p.a.

Fees

New cards only.
Annual card fee	$175
Annual Altitude Qantas Rewards Program fee	$125
Foreign transaction fee	3%Payable as a percentage of the Australian dollar value of any foreign transaction.Applies for transactions in a foreign currency, or in Australian dollars but processed by an overseas merchant or financial institution.Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia. More about this fee.
Cash advance fee	3.5% of the value of the transaction will apply to each cash advance made on your card account.These charges will appear on your credit card statement directly below the relevant cash advance.
Missed payment fee	$20 each statement cycle that the minimum monthly payment is not paid by the statement due date.

For more information about credit card fees.

What you'll need to apply

You must be

Aged 18 or over AND
Live at a fixed Australian address AND
Receive a regular and verifiable Australian taxable income AND

Meet one of the following requirements

An Australian or New Zealand citizen OR
An Australian permanent resident OR
Hold a valid temporary residence visa, with a minimum of 1 year before expiry

Refer to eligible Australian visa (PDF)

You'll need to provide

Proof of income
Current debts and expenses

Two of these ID documents

Passport
Australian driver licence
Medicare card
Australian birth certificate

Frequently asked questions

How does the Complimentary International Travel Insurance work and am I eligible for it?

For full details on how the complimentary travel insurance works go to Westpac Complimentary Travel Insurance website.

What do the complimentary insurances cover?

From 1 October 2026 (where you meet the eligibility criteria) the complimentary credit card insurance will include:

Domestic Travel Insurance

Domestic Travel Insurance covers flights within and between states in Australia. Cover includes Cancellation, Flight Delay, Luggage and Luggage Delay. Please refer to the Westpac Credit Card Domestic Complimentary Insurance Policy Information Booklet (PDF) for full eligibility criteria, terms, conditions and exclusions.

Rental Vehicle Excess Insurance in Australia

Cover if a rental vehicle you have rented from a rental company or agency in Australia is involved in an accident while you’re driving it, or is damaged or stolen while in your custody. Please refer to the Westpac Credit Card Domestic Complimentary Insurance Policy Information Booklet (PDF) for full eligibility criteria, terms, conditions and exclusions.

Complimentary International Medical Travel Insurance

Up to 3 months (subject to your eligible card) Complimentary International Medical Travel Insurance which includes Overseas Medical & Hospital Expenses, Funeral Expenses, Personal Liability and Overseas Emergency Assistance. To have access to cover you must meet all eligibility criteria including, but not limited to $500 minimum spend and activating your insurance before departing Australia. Please refer to the Westpac Credit Card International Travel Insurance, Product Disclosure Statements (PDF) for eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits.

On or before 30 September 2026 (where you meet the eligibility criteria) the credit card complimentary insurance will include:

International Travel Insurance(see policy for details)

Access up to 3 months' complimentary cover for International Travel Insurance when you meet the eligibility criteria as set out in the Credit Card Complimentary Insurance Policy including prepaying $500 of your travel costs to your eligible card and holding a return overseas ticket before departing Australia, (see policy document for full eligibility criteria, terms, conditions, and exclusions).

Overseas Transit Accident Insurance

Overseas Transit Accident Insurance covers against specified accidental death or injury when sustained overseas while riding, boarding or alighting as a passenger in a plane, bus, train or shorthaul ferry when you have purchased the tickets for the entire trip using your Credit Card before you leave (terms, conditions, exclusions and eligibility criteria apply).

Purchase Protection Insurance

Access to up to 4 months Purchase Protection Insurance on eligible purchases, as set out in the Credit Card Complimentary Insurance Policy (terms, conditions, exclusions and eligibility criteria apply).

Extended Warranty Insurance

Up to 24 months extended warranty insurance cover (in addition to the manufacturer's expressed Australian warranty) on a range of personal items purchased using your Credit Card (terms, conditions, exclusions and eligibility criteria apply).

What kind of businesses are included in the new ‘everyday spend’ category?

Our 'everyday spend' category consists of 4 sub-categories: supermarkets, department stores, petrol stations and utilities. Below is a list of examples of merchants included in these 4 categories:

Supermarkets include stores such as Woolworths, Coles, IGA, Harris Farm and ALDI
Department stores include stores such as Kmart, Target, Big W, David Jones and Myer
Petrol stations include stores such as 7-Eleven, Shell, Ampol, Caltex and BP
Utilities include payments for water, gas, electricity, internet, mobile and streaming services (excluding BPAY® payments).

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Things you should know

Westpac Credit Cards Key Facts Sheet

Credit Card Terms and Conditions (PDF)

Altitude Terms and Conditions (PDF)

Westpac Credit Cards Complimentary Insurance Policy (PDF) – Effective 23 February 2023 (Where you have met the eligibility criteria prior to 1 October 2026)

Westpac Credit Card Domestic Complimentary Insurance Policy Information Booklet (PDF) - Effective 1 October 2026 (where you have met the eligibility criteria on or after 1 October 2026)

Westpac Credit Card International Travel Insurance, Product Disclosure Statements (PDF) - Effective 1 October 2026 (where you have met the eligibility criteria on or after 1 October 2026)

PartPay Card Terms and Conditions (PDF)

ID checklist to become a customer (PDF)

Credit criteria, fees and charges apply. Credit Card Product Switches, upgrades or Westpac group staff are ineligible.

This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.

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Bonus Qantas Points Promotion Altitude Platinum: Offer commenced 27th November 2025. To be eligible for bonus Qantas Points, you must apply and be approved for a new Altitude Qantas Platinum credit card before the offer is withdrawn. You will receive an initial 70,000 bonus points if you spend $4k or more on eligible purchases within 90 days from card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria. In your second year, spend a minimum of $4k on eligible purchases within 90 days of your card opened date anniversary, and you'll earn an additional 30,000 bonus points. These additional points will be credited to your points balance within 12 weeks of meeting the spend criteria. If you do not meet the minimum spend in the first year, you forfeit the bonus points for the first year only, however you are still eligible for bonus points in the subsequent year if you meet the minimum spend in the subsequent year during the promotional period. Existing Westpac customers who currently hold an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card, or who have held one in the last 24 months, are not eligible for this offer. Qantas Points earned during a statement cycle are added to your Qantas Points balance on a monthly basis. Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account. Credit Card Product Switches, upgrades or Westpac group staff are ineligible for this offer. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

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[2]

Existing customers only - Reduced First year Card Fee for Altitude Qantas Platinum: Offer commenced 27th November 2025. The discounted first year Card Fee of $99 is available for existing Westpac customers when you apply and are approved for a new Altitude Qantas Platinum card before the offer is withdrawn. After the first year, the Card Fee reverts to $175, and will be debited to your card account on the 12-month anniversary of the Card Fee date and annually thereafter. A $125 annual Rewards Program Fee still applies for Altitude Qantas if you choose these programs. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

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[3]

Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account.

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[4]

Qantas products and services: Bonus Qantas Points earned on Qantas passenger flights (with a QF flight number) booked directly with Qantas, Qantas Club and Qantas Frequent Flyer memberships, when purchased from Qantas and charged as a domestic transaction only. Excludes Jetstar flights and services. You do not earn bonus points on Qantas Freight, Qantas Business Travel, Jetset Travelworld channels and Qantas Staff Travel, and on any international transactions, whether charged in Australian Dollars and/or in any foreign currency.

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[5]

Complimentary travel insurance covers:

AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible persons to claim under it as third party beneficiaries. Access to the benefit of cover under the Credit Card Complimentary Insurance is provided to eligible Westpac cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). If an eligible person wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits contained in the relevant Policy Information Booklet and/or Product Disclosure Statements which may be amended from time to time. This insurance is underwritten by Allianz. Westpac does not guarantee this insurance. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it.

On or before 30 September 2026 (where you meet the eligibility criteria on or before that date) the following Policy Information Booklet will apply: Complimentary Insurance Policy Information booklet (PDF).

From 1 October 2026 the following policy documents will apply: Policy Information Booklet (regarding the Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia) (PDF) and/or Product Disclosure Statements (for the Complimentary International Medical Travel Insurance) (PDF). The Target Market Determination for the Complimentary International Medical Travel Insurance is available at www.allianzpartners.com.au/policies/.

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[6]

Interest free period is available when you pay the Closing Balance (or the Monthly Payment Balance if you have a Balance Transfer, a SmartPlan or a PartPay Card) in full by the payment due date.

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[7]

Additional cardholder: An additional credit card can be issued on the primary cardholder’s account to any nominated person 16 years or over. All transactions using the additional credit card will be the responsibility of the primary cardholder. All Altitude, Velocity or Qantas Points remain the benefit of the primary cardholder. No additional cardholders allowed on Flex Card.

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[8]

If you choose to make any payment in any category using an intermediary service (such as Afterpay, PayPal or similar services), these transactions will be categorised as 'all other purchases'. We classify transactions using information provided to us by the card scheme (Visa or Mastercard), which tells us about the main type of business conducted by the Merchant.

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Rewards Points: The earning and redemption of Qantas Points are subject to the Altitude Terms and Conditions (PDF). Purchases that are not eligible to earn Rewards Points are set out in the Altitude Terms and Conditions (PDF). You do not receive points if you have not paid the Minimum Payment Due in full and on time and in other circumstances. Points earnt for PartPay (PDF) Purchases are based on the full value of the purchase, and not on each instalment amount. Qantas Points earned during a statement cycle are added to your respective Points balance on a monthly basis.

Altitude Qantas: To earn and redeem points, you must be a member of the applicable Frequent Flyer program. Annual Rewards Program fees apply and vary by rewards program. See the applicable card's product page for details.

Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

BPAY® is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518.

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