Westpac Altitude Qantas Platinum
Snapshot 841 · Offer 2465 · Offer status now: active
Saved public issuer wording and any captured linked terms, including versions for ended offers. All times use UTC.
Start is inclusive. Superseded is exclusive. Live capture dates record detected changes. Imported Git dates record commits. Neither proves when issuer terms took effect. Current means the latest saved version, not an active offer.
Unchanged captures do not create new rows. Last successful capture is the latest successful capture for the offer, including unchanged captures. Failed captures leave the last saved evidence in place.
History contains saved source text. Imported Git versions identify their original format and recorded dates. Old captures may have gaps or incomplete linked terms. Raw HTML is not stored in this database.
Source wording changes
Read full saved wording and termsChanges to the captured page text and terms, compared with snapshot 838 from .
Removed text is marked −. Added text is marked +. Unchanged text can be expanded. This compares saved Markdown, including source links and terms. Images and known navigation are omitted from this comparison.
− Removed
[Skip to main content](#content) [Skip to main navigation](#main-nav) [Skip to access and inclusion page](/web-accessibility/) [Skip to search input](#search)
+ Added
1. [ Rewards credit cards](https://www.westpac.com.au/credit-cards/reward) 2. Altitude Qantas Platinum
1 unchanged line
− Removed
* [ Rewards credit cards](/personal-banking/credit-cards/reward/) * Altitude Qantas Platinum
+ Added
Qantas Points
5 unchanged lines
# Altitude Qantas Platinum Earn Qantas Points directly to your Qantas Frequent Flyer account and enjoy Platinum credit card benefits.
− Removed
Apply now * [Already with Westpac ](https://www.ui.westpac.com.au/origin/etb0/content/secure-pers/credit-cards/qantas-rewards/altitude-qantas-platinum/summary "Already with Westpac") * [Not yet with us](/personal-banking/credit-cards/reward/altitude-qantas-platinum/summary/ "Not yet with us")
+ Added
#### Important notice
1 unchanged line
− Removed
Apply now * [Already with Westpac](https://www.cmsservices.westpac.com.au/app/banking/deeplink?screenId=externalRedirectorWithParams¶m0=contentspa¶m1=secure-pers%28%5F$%29credit-cards%28%5F$%29qantas-rewards%28%5F$%29altitude-qantas-platinum%28%5F$%29summary&targetpath=https%3A%2F%2Fwww.ui.westpac.com.au%2Forigin%2Fetb0%2Fcontent%2Fsecure-pers%2Fcredit-cards%2Fqantas-rewards%2Faltitude-qantas-platinum%2Fsummary "Already with Westpac") * [Not yet with us](/personal-banking/credit-cards/reward/altitude-qantas-platinum/summary/ "Not yet with us")
+ Added
From 30 September 2026, we're making changes to some Westpac Credit Card fees and rates, including updates to the Rewards Points program. [Find out more](/credit-cards/credit-card-changes#RBA "Find out more")
1 unchanged line
− Removed
[](#)
+ Added
From 1 October 2026, we’re making changes to the Westpac Credit Cards Complimentary Insurance Policy. [Find out more](/credit-cards/credit-card-changes?fid=op:infob:concc:ip:cta1#CCCI "Find out more")
1 unchanged line
− Removed
Error
+ Added
You could earn up to **100,000** bonus Qantas Points[](#disclaimer-1 "[#]")
1 unchanged line
− Removed
### Important Notice
+ Added
See full offer details below.
1 unchanged line
− Removed
From **1 October 2026**, we’re making changes to the Westpac Credit Cards Complimentary Insurance Policy. [Find out more](/personal-banking/credit-cards/credit-card-changes/?pid=iwc:cc:CCCI1%5F2607::)
+ Added
**Already with Westpac?** Sign in to apply and get a $99 card fee for the first year.[](#disclaimer-2 "[#]")A $75 annual Qantas Rewards Program fee still applies
1 unchanged line
− Removed
## Earn up to 100,000 bonus Qantas Points
+ Added
Earn up to 0.75 Qantas Points per $1 spent on eligible purchases[](#disclaimer-3 "[#]")
1 unchanged line
− Removed
Star1 Already with Westpac? Sign in to apply for a $99 card fee for the first year^^
+ Added
Plus earn up to 1 bonus Qantas Point per $1 spent on selected Qantas products and services[](#disclaimer-4 "[#]") in Australia
1 unchanged line
− Removed
Get up to **100,000 bonus Qantas Points** — **70,000** bonus Qantas Points in year 1if 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.
+ Added
Offer
1 unchanged line
− Removed
**Already with Westpac?** Sign in to apply for a **$99 card fee for the first year** (reverts to $175 p.a. thereafter). A $75 annual Qantas Rewards Program fee still applies.
+ Added
### Earn up to 100,000 bonus Qantas Points
1 unchanged line
− Removed
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.
+ Added
Up to **100,000 bonus Qantas Points**[](#disclaimer-1 "[#]") — **70,000** bonus Qantas Points in year 1 if you spend $4k+ on eligible purchases[](#disclaimer-3 "[#]") within 90 days of new card approval and an extra **30,000** points with $4k+ spend on eligible purchases[](#disclaimer-3 "[#]") within 90 days of card anniversary in year 2.
1 unchanged line
− Removed
Close
+ Added
**Already with Westpac?** Sign in to apply and get a $99[](#disclaimer-2 "[#]") card fee for the first year (reverts to $175 thereafter). A $75 annual Qantas Rewards Program fee still applies.
1 unchanged line
− Removed
Close
+ Added
Offer not available if you’ve held an Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas or Velocity in the last 24 months. New cards only. T&Cs apply.
1 unchanged line
− Removed
[ Already with Westpac? Sign in to apply](https://www.ui.westpac.com.au/origin/etb0/content/secure-pers/credit-cards/qantas-rewards/altitude-qantas-platinum/summary) [ Already with Westpac? Sign in to apply](https://www.cmsservices.westpac.com.au/app/banking/deeplink?screenId=externalRedirectorWithParams¶m0=contentspa¶m1=secure-pers%28%5F$%29credit-cards%28%5F$%29qantas-rewards%28%5F$%29altitude-qantas-platinum%28%5F$%29summary&targetpath=https%3A%2F%2Fwww.ui.westpac.com.au%2Forigin%2Fetb0%2Fcontent%2Fsecure-pers%2Fcredit-cards%2Fqantas-rewards%2Faltitude-qantas-platinum%2Fsummary) [ Not yet with us? Apply here](/personal-banking/credit-cards/reward/altitude-qantas-platinum/summary/) [ Not yet with us? Apply here](/personal-banking/credit-cards/reward/altitude-qantas-platinum/summary/)
+ Added
Apply now
1 unchanged line
− Removed
## At a glance
+ Added
Apply now
1 unchanged line
− Removed
| **$175** | Annual card fee | | ---------------- | ------------------------------------------------- | | **$75** | Annual Altitude Qantas Rewards Program fee | | **20.99% p.a.** | Variable purchase rate | | **21.99% p.a.** | Variable cash advance rate | | **$3,000** | Minimum credit limit | | **$30,000 p.a.** | Minimum income required | | **0.75** | Qantas Points per $1 on international spend | | **0.5** | Qantas Points per $1 on everyday spend | | **0.35** | Qantas Points per $1 spend on all other purchases |
+ Added
### Features
1 unchanged line
− Removed
Once you spend $5,000 in a statement cycle, you will earn 0.2 Qantas Points per $1 on further eligible purchases.
+ Added
**'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.
1 unchanged line
− Removed
See below for standard rates and fees.
+ Added
**Complimentary Insurances** \- Access to Interstate Flight Inconvenience Insurance and Rental Vehicle Excess in Australia cover, up to 3 months' complimentary cover for international travel insurance, plus extended warranty, purchase protection for up to 4 months and overseas transit accident insurance (terms, conditions, exclusions and eligibility criteria apply).[](#disclaimer-5 "[#]")
1 unchanged line
− Removed
### What kind of businesses are included in the new ‘everyday spend’ category?
+ Added
**Up to 45 days interest-free** \- To give you more opportunity to avoid interest charges on your purchases.[](#disclaimer-6 "[#]") Note cash advances aren’t covered by this interest-free period.
1 unchanged line
− Removed
Our 'everyday spend' category consists of 5 sub-categories: supermarkets, department stores, petrol stations, dining and utilities. Below is a list of examples of merchants included in these 5 categories:
+ Added
**Cashback and discounts** \- With a Westpac credit card, you'll get personalised cashback offers from [Westpac Extras](/credit-cards/westpac-extras "Westpac Extras"), Westpac bonus Cashback when you shop via the Westpac Lounge on [ShopBack](https://www.westpac.com.au/personal-banking/online-banking/making-the-most/rewards-and-offers/offers/shopback/ "ShopBack"), plus other discounts and offers from a wide range of shops, in-store and online.
1 unchanged line
− Removed
* **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 * **Dining** includes restaurants, cafes, fast food, bars, hotels and entertainment venues * **Utilities** include payments for water, gas, electricity, internet, mobile and streaming services (excluding BPAY® payments).
+ Added
**Tools to stay on top** \- These include options like [PartPay](/credit-cards/partpay "PartPay"), [SmartPlan](/credit-cards/smartplan "SmartPlan"), [Balance Transfers](https://www.westpac.com.au/personal-banking/solutions/staying-credit-smart/using-balance-transfers/how-to-do-a-balance-transfer/ "Balance Transfers"), [Card Autopay](https://www.westpac.com.au/personal-banking/online-banking/making-the-most/card-autopay/ "Card Autopay") and [SMS payment reminders](https://www.westpac.com.au/faq/credit-card-reminder-set-up-app/ "SMS payment reminders").
1 unchanged line
− Removed
## Why choose Altitude Qantas Platinum card?
+ Added
**Additional cardholder** \- Add 1 additional cardholder (16 years or older) at no extra cost.[](#disclaimer-7 "[#]")
1 unchanged line
− Removed
### 'Double dip' for more Qantas Points
+ Added
### How to earn points?
1 unchanged line
− Removed
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.
+ Added
| 0.75 | **Qantas Points per $1 on international spend** | | -------- | ---------------------------------------------------------------------------- | | **0.5** | **Qantas Points per $1 on everyday spend** | | **0.35** | **Qantas Points per $1 spend on all other purchases[](#disclaimer-8 "[#]")** |
1 unchanged line
− Removed
### Complimentary Insurances
+ Added
Once you spend $5,000 in a statement cycle, you will earn 0.2 Qantas Points per $1 on further eligible purchases.[](#disclaimer-3 "[#]")
1 unchanged line
− Removed
Access to Interstate Flight Inconvenience Insurance and Rental Vehicle Excess in Australia cover, up to 3 months’ complimentary cover for international travel insurance, plus extended warranty, purchase protection for up to 4 months and overseas transit accident insurance. (terms, conditions, exclusions and eligibility criteria apply).
+ Added
### Rates and minimum requirements
1 unchanged line
− Removed
### Split purchases into 4 payments
+ Added
| **New cards only**. | | | ------------------------------ | ------------ | | **Variable purchase rate** | 20.99% p.a. | | **Variable cash advance rate** | 21.99% p.a. | | **Minimum credit limit** | $3,000 | | **Minimum income required** | $30,000 p.a. |
1 unchanged line
− Removed
Take advantage of the PartPay feature on your credit card account to split purchases into 4 payments over 6 weeks. Just turn on to start using.
+ Added
### Fees
1 unchanged line
− Removed
* [Tell me more](/personal-banking/credit-cards/partpay/)
+ Added
| **New cards only.** | | | ---------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | **Annual card fee** | $175 | | **Annual Altitude Qantas Rewards Program fee** | $75 | | **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](/credit-cards/manage/fees-interest/minimising-fees "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. |
1 unchanged line
− Removed
## Other reasons to choose
+ Added
For more information about [credit card fees](/credit-cards/manage/fees-interest/minimising-fees "credit card fees").
1 unchanged line
− Removed
[Up to 45 days interest-free](#tab1)
+ Added
### What you'll need to apply
1 unchanged line
− Removed
To give you more opportunity to avoid interest charges on your purchases. Note cash advances aren’t covered by this interest-free period.
+ Added
#### You must be
1 unchanged line
− Removed
[No card? No problem ](#tab2)
+ Added
* Aged 18 or over AND * Live at a fixed Australian address AND * Receive a regular and verifiable Australian taxable income AND
1 unchanged line
− Removed
On top of Apple Pay, Samsung Pay and Google Pay, you can use our Instant Digital Card from the moment your account is opened. No need to wait for a physical card.
+ Added
**Meet one of the following requirements**
1 unchanged line
− Removed
[Additional cardholder](#tab3)
+ Added
* 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
1 unchanged line
− Removed
Add 1 additional cardholder (16 years or older) at no extra cost.
+ Added
See [eligible Australian visa (PDF)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/wbc-eligible-australian-visa-list.pdf "eligible Australian visa")
1 unchanged line
− Removed
[Cashback and discounts](#tab4)
+ Added
#### You'll need to provide
1 unchanged line
− Removed
With a Westpac credit card, you'll get personalised cashback offers from [Westpac Extras](/personal-banking/credit-cards/westpac-extras/), Westpac bonus Cashback when you shop via the [Westpac Lounge](/personal-banking/online-banking/making-the-most/rewards-and-offers/offers/shopback/) on ShopBack, plus other discounts and offers from a wide range of shops, in-store and online.
+ Added
* Proof of income * Current debts and expenses
1 unchanged line
− Removed
[Fraud protection](#tab5)
+ Added
#### Two of these ID documents
1 unchanged line
− Removed
From verifying unusual transactions to our fraud money back guarantee, we aim to keep you [protected](/security/westpac-protect-centre/).
+ Added
* Passport * Australian drivers' license * Medicare card * Australian birth certificate
1 unchanged line
− Removed
[Tools to stay on top](#tab6)
+ Added
### Frequently asked questions
1 unchanged line
− Removed
These include options like [PartPay](/personal-banking/credit-cards/partpay/), [SmartPlan](/personal-banking/credit-cards/smartplan/), [Balance Transfers](/personal-banking/solutions/staying-credit-smart/using-balance-transfers/how-to-do-a-balance-transfer/), [Card Autopay](/personal-banking/online-banking/making-the-most/card-autopay/) and [SMS payment reminders](/faq/credit-card-reminder-set-up-app/).
+ Added
How does the Complimentary International Travel Insurance work and am I eligible for it?
1 unchanged line
− Removed
## Take control of your money within the Westpac App
+ Added
You can obtain written confirmation of eligibility for cover for your overseas journey from the issuer of the insurance, 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, based on the answers you give AGA, by applying online at: [checkyourcover.com.au/westpac](https://checkyourcover.com.au/westpac "checkyourcover.com.au/westpac"). If you provide AGA with incorrect answers to the questions we ask you, you may not be eligible for cover under the group policy issued to Westpac.[](#disclaimer-5 "[#]")
1 unchanged line
− Removed
Powerful money management tools in the palm of your hand.
+ Added
What do the complimentary insurances cover?
1 unchanged line
− Removed
##### Get spend and cash flow insights
+ Added
**International Travel Insurance**[](#disclaimer-5 "[#]")(see policy for details)
1 unchanged line
− Removed
Track your month-to-month [Cash flow](https://www.westpac.com.au/personal-banking/online-banking/insights-hub/spend-insights-and-budgeting-tools/) and spot areas where you could be making savings with your spend sorted in [Categories](https://www.westpac.com.au/personal-banking/online-banking/insights-hub/spend-insights-and-budgeting-tools/).
+ Added
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).
1 unchanged line
− Removed
##### Manage your cards in one place
+ Added
**Overseas Transit Accident Insurance**[](#disclaimer-5 "[#]")
1 unchanged line
− Removed
Order a new card, change your pin or temporarily lock your card if you misplace it, all in the app's convenient [Cards Hub](https://www.westpac.com.au/personal-banking/online-banking/making-the-most/cards-hub/). ##### View and transfer funds fast [Quick Balance](https://www.westpac.com.au/personal-banking/online-banking/making-the-most/quick-balance/) lets you view the balance of three main accounts and quickly transfer money without signing in. [ Explore our in-app's budgeting tools ](https://www.westpac.com.au/personal-banking/online-banking/insights-hub/spend-insights-and-budgeting-tools) [ Explore our in-app's budgeting tools ](https://www.westpac.com.au/personal-banking/online-banking/insights-hub/spend-insights-and-budgeting-tools) ## Standard rates and fees New cards only [Follow these tips to minimise credit card fees and charges](/personal-banking/credit-cards/manage/fees-interest/minimising-fees/). | Annual card fee | $175 | | -------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | Annual Rewards Program fee | $75 | | 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](/personal-banking/credit-cards/manage/fees-interest/minimising-fees/). | | 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. | ## Compare our Qantas Credit Cards Compare features such as annual card fees, points earn rates and minimum credit limits to help you decide which Qantas Rewards credit card is right for you. [Compare our Qantas Rewards Credit Cards](/personal-banking/credit-cards/qantas-credit-cards/) [](/personal-banking/credit-cards/reward/) [View all Rewards cards](/personal-banking/credit-cards/reward/) [](/personal-banking/credit-cards/low-fee/) [View Low Fee cards](/personal-banking/credit-cards/low-fee/) [](/personal-banking/credit-cards/) [View all cards](/personal-banking/credit-cards/) ## Frequently asked questions [How does the Complimentary International Travel Insurance work and am I eligible for it?](#tab1) You can obtain written confirmation of eligibility for cover for your overseas journey from the issuer of the insurance, 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, based on the answers you give AGA, by applying online at: [checkyourcover.com.au/westpac](https://travel.agaassistance.com.au/westpac/travel-insurance). If you provide AGA with incorrect answers to the questions we ask you, you may not be eligible for cover under the group policy issued to Westpac. [What do the complimentary insurances cover?](#tab2) ##### International Travel Insurance(see policy for details) Access to 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
2 unchanged lines
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).
− Removed
##### Purchase Protection Insurance
+ Added
**Purchase Protection Insurance**[](#disclaimer-5 "[#]")
3 unchanged lines
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).
− Removed
##### Extended Warranty Insurance
+ Added
**Extended Warranty Insurance**[](#disclaimer-5 "[#]")
3 unchanged lines
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).
− Removed
## Keep exploring
+ Added
What kind of businesses are included in the new ‘everyday spend’ category?
1 unchanged line
− Removed
### Credit card 101
+ Added
Our 'everyday spend' category consists of 5 sub-categories: supermarkets, department stores, petrol stations, dining and utilities. Below is a list of examples of merchants included in these 5 categories:
1 unchanged line
− Removed
* [Understanding credit cards](/personal-banking/solutions/staying-credit-smart/understanding-credit-cards/) * [Platinum or Premium rewards credit cards?](/personal-banking/solutions/staying-credit-smart/earning-rewards/platinum-or-premium-rewards-credit-cards/) * [How to compare rewards credit cards](/personal-banking/solutions/staying-credit-smart/earning-rewards/how-to-compare-rewards-credit-cards/) * [Managing credit card debt](/personal-banking/credit-cards/debt/)
+ Added
* **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 * **Dining** includes restaurants, cafes, fast food, bars, hotels and entertainment venues * **Utilities** include payments for water, gas, electricity, internet, mobile and streaming services (excluding BPAY® payments).
1 unchanged line
− Removed
### Travel and rewards
+ Added
## You might be interested in
1 unchanged line
− Removed
* [Travel rewards credit card benefits](/personal-banking/solutions/staying-credit-smart/earning-rewards/rewards-cards-benefits-travel/) * [Which credit card for travel?](/personal-banking/credit-cards/explore/choosing-a-credit-card-for-travel/) * [Travelling overseas?](/personal-banking/credit-cards/manage/travelling-overseas-insurance/)
+ Added
* ### Altitude Qantas Black Our premier Qantas credit card gets you a high Qantas Points earn rate as well as complimentary airport lounge access, insurances and concierge. [Find out more](/credit-cards/reward/altitude-qantas-black) * ### Altitude Rewards Black Our premium Altitude Rewards credit card gets you our highest Points earn rate, flexibility in how you redeem with Pay with Points, complimentary airport lounge access, insurances and more. [Find out more](/credit-cards/reward/altitude-rewards-black) * ### Altitude Velocity Black Our premier Velocity credit card could get you our highest Velocity Points earn rate as well as complimentary airport lounge access, seat upgrades, insurances and concierge. [Find out more](/credit-cards/reward/altitude-velocity-black) * ### Altitude Rewards Platinum Enjoy Platinum Card benefits and the flexibility of Altitude Rewards. Choose from gift cards, merchandise or our unique 'Pay with Points’ feature. [Find out more](/credit-cards/reward/altitude-rewards-platinum) * ### Altitude Velocity Platinum Earn Velocity Points directly into your [Velocity Frequent Flyer](/credit-cards/velocity-credit-cards "Velocity Frequent Flyer") account and enjoy Platinum credit card benefits. [Find out more](/credit-cards/reward/altitude-velocity-platinum)
1 unchanged line
− Removed
### Handy articles and guides
+ Added
## Things you should know
1 unchanged line
− Removed
* [What is credit card purchase protection and extended warranty?](/personal-banking/solutions/staying-credit-smart/earning-rewards/credit-card-purchase-protection-and-extended-warranty/) * [How to get the most of your rewards card](/personal-banking/solutions/staying-credit-smart/earning-rewards/how-to-get-the-most-of-your-rewards-credit-card/) * [Smart ways to redeem Altitude Points](/personal-banking/credit-cards/explore/redeem-altitude-points/) * [What is the concierge service on a credit card?](/personal-banking/solutions/staying-credit-smart/earning-rewards/what-is-credit-card-concierge/)
+ Added
[Westpac Credit Cards Key Facts Sheet](/credit-cards/credit-cards-fact-sheet)
1 unchanged line
− Removed
Edit
+ Added
[Credit Card Terms and Conditions (PDF)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-credit-card-terms-and-conditions.pdf)
1 unchanged line
− Removed
### Get started
+ Added
[Altitude Terms and Conditions (PDF)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-altitude-terms-and-conditions.pdf)
1 unchanged line
− Removed
Apply online
+ Added
[Westpac Credit Cards Complimentary Insurance Policy (PDF)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC%5FConsumer%5FCredit%5FCard%5FComp%5FInsurance%5FAllianz.pdf)
1 unchanged line
− Removed
Apply now Apply now * [Already with Westpac ](https://www.ui.westpac.com.au/origin/etb0/content/secure-pers/credit-cards/qantas-rewards/altitude-qantas-platinum/summary "Already with Westpac") [Already with Westpac](https://www.cmsservices.westpac.com.au/app/banking/deeplink?screenId=externalRedirectorWithParams¶m0=contentspa¶m1=secure-pers%28%5F$%29credit-cards%28%5F$%29qantas-rewards%28%5F$%29altitude-qantas-platinum%28%5F$%29summary&targetpath=https%3A%2F%2Fwww.ui.westpac.com.au%2Forigin%2Fetb0%2Fcontent%2Fsecure-pers%2Fcredit-cards%2Fqantas-rewards%2Faltitude-qantas-platinum%2Fsummary "Already with Westpac") * [Not yet with us](/personal-banking/credit-cards/reward/altitude-qantas-platinum/summary/ "Not yet with us") [Not yet with us](/personal-banking/credit-cards/reward/altitude-qantas-platinum/summary/ "Not yet with us")
+ Added
[PartPay Card Terms and Conditions (PDF)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/partpay%5Fcard%5Fterms%5Fand%5Fconditions.pdf)
1 unchanged line
− Removed
Telephone
+ Added
[ID checklist to become a customer (PDF)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/new-customer-checklist/Checklist%5FIndividualCustomers.pdf)
1 unchanged line
− Removed
###### Give us a call
+ Added
Credit criteria, fees and charges apply. Credit Card Product Switches, upgrades or Westpac group staff are ineligible.
1 unchanged line
− Removed
[ Contact us ](https://www.westpac.com.au/contact-us/?fid=GL:GPH:None:wbc:www:contact-us) [ Contact us ](https://www.westpac.com.au/contact-us/?fid=GL:GPH:None:wbc:www:contact-us)
+ Added
This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.
1 unchanged line
− Removed
Search
+ Added
**Be credit savvy**: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.
1 unchanged line
− Removed
### Help me choose
+ Added
\[1\]
1 unchanged line
− Removed
Use the selector to find a card that's right for you.
+ Added
**Bonus Qantas Points Promotion Altitude Platinum**: Offer commenced \[\[Rates#CC|Altitude Qantas Platinum.CCAQP.EffectiveDate{longDateDisplay}\]\]. 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 \[\[Rates#CC|Altitude Qantas Platinum.CCAQP.BonusPoints1{showAsCommaSep}\]\] bonus points if you spend $\[\[Rates#CC|Altitude Qantas Platinum.CCAQP.EligiblePurchaseAmount{none}\]\]k or more on eligible purchases within \[\[Rates#CC|Altitude Qantas Platinum.CCAQP.EligiblePurchaseTerm{none}\]\] 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 $\[\[Rates#CC|Altitude Qantas Platinum.CCAQP.EligiblePurchaseAmount{none}\]\]k on eligible purchases within \[\[Rates#CC|Altitude Qantas Platinum.CCAQP.EligiblePurchaseTerm{none}\]\] days of your card opened date anniversary, and you'll earn an additional \[\[Rates#CC|Altitude Qantas Platinum.CCAQP.BonusPoints2{showAsCommaSep}\]\] 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.
1 unchanged line
− Removed
[ Let’s begin ](/personal-banking/credit-cards/help-me-choose/) [ Let’s begin ](/personal-banking/credit-cards/help-me-choose/)
+ Added
[Return to footnote 1](#)
1 unchanged line
− Removed
## Things you should know
+ Added
\[2\]
1 unchanged line
− Removed
[Westpac Credit Cards Key Facts Sheet](https://www.westpac.com.au/personal-banking/credit-cards/credit-cards-fact-sheet/)
+ Added
**Existing customers only - Reduced First year Card Fee for Altitude Qantas Platinum**: Offer commenced \[\[Rates#CC|Altitude Qantas Platinum.CCAQP.EffectiveDate{longDateDisplay}\]\]. The discounted first year Card Fee of $\[\[Rates#CC|Altitude Qantas Platinum.CCAQP.ExistingCustomerFYFeeOffer{none}\]\] 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 $\[\[Rates#CC|Altitude Qantas Platinum.CCAQP.AnnualCardFee{none}\]\], and will be debited to your card account on the 12-month anniversary of the Card Fee date and annually thereafter. A $\[\[Rates#CC|Altitude Qantas Platinum.CCAQP.RewardsAnnualFee{none}\]\] 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.
1 unchanged line
− Removed
[ Pdf File Credit Card Terms and Conditions (PDF 264KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-credit-card-terms-and-conditions.pdf)
+ Added
[Return to footnote 2](#)
1 unchanged line
− Removed
[ Pdf File Altitude Terms and Conditions (PDF 117KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-altitude-terms-and-conditions.pdf)
+ Added
\[3\]
1 unchanged line
− Removed
[ Pdf File Westpac Credit Cards Complimentary Insurance Policy (PDF 850KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC%5FConsumer%5FCredit%5FCard%5FComp%5FInsurance%5FAllianz.pdf)
+ Added
**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.
1 unchanged line
− Removed
[ Pdf File PartPay Card Terms and Conditions (PDF 96KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/partpay%5Fcard%5Fterms%5Fand%5Fconditions.pdf)
+ Added
[Return to footnote 3](#)
1 unchanged line
− Removed
[ Pdf File ID checklist to become a customer (PDF 657KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/new-customer-checklist/Checklist%5FIndividualCustomers.pdf)
+ Added
\[4\]
1 unchanged line
− Removed
Credit criteria, fees and charges apply. Credit Card Product Switches, upgrades or Westpac group staff are ineligible.
+ Added
**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.
1 unchanged line
− Removed
This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.
+ Added
[Return to footnote 4](#)
1 unchanged line
− Removed
**Be credit savvy:** Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.
+ Added
\[5\]
1 unchanged line
− Removed
**Bonus Qantas or Velocity Points Promotion Altitude Platinum:** Offer commenced 27th November 2025\. To be eligible for bonus Qantas or Velocity Points, you must apply and be approved for a new Altitude Qantas Platinum or Altitude Velocity 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 or Velocity Points earned during a statement cycle are added to your Qantas or Velocity 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.
+ Added
**Complimentary 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 persons wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, limits and exclusions contained in the [Complimentary Insurance Policy Information booklet (PDF)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC%5FConsumer%5FCredit%5FCard%5FComp%5FInsurance%5FAllianz.pdf) 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.
1 unchanged line
− Removed
**Existing customers only - Reduced First year Card Fee for Altitude Qantas or Velocity 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 or Altitude Velocity 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 $75 annual Rewards Program Fee still applies for Altitude Velocity and 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.
+ Added
[Return to footnote 5](#)
1 unchanged line
− Removed
**†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.
+ Added
\[6\]
1 unchanged line
− Removed
**Rewards Points:** The earning and redemption of Altitude Points, Velocity Points and Qantas Points are subject to the [ Pdf File Altitude Terms and Conditions (PDF 117KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-altitude-terms-and-conditions.pdf). Purchases that are not eligible to earn Rewards Points are set out in the [ Pdf File Altitude Terms and Conditions (PDF 117KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-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 [ Pdf File PartPay (PDF 96KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/partpay%5Fcard%5Fterms%5Fand%5Fconditions.pdf) Purchases are based on the full value of the purchase, and not on each instalment amount. Qantas and Velocity Points earned during a statement cycle are added to your respective Points balance on a monthly basis.
+ Added
**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.
1 unchanged line
− Removed
**\~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.
+ Added
[Return to footnote 6](#)
1 unchanged line
− Removed
**5\. 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.
+ Added
\[7\]
1 unchanged line
− Removed
**2\. 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.
+ Added
**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.
1 unchanged line
− Removed
**Altitude Velocity or Qantas**: In order to earn and redeem points, you must be a member of the relevant Frequent Flyer program. An annual $75 Rewards Program Fee applies for customers who choose this option.
+ Added
[Return to footnote 7](#)
1 unchanged line
− Removed
**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.
+ Added
\[8\]
1 unchanged line
− Removed
**Classic Flight Rewards** are available on Qantas, Jetstar and partner airlines. Seats are subject to capacity controls, availability is limited, and some flights may not have any Classic Flight Rewards available. Taxes, fees and carrier charges are payable to Qantas (excluding any amounts payable to third parties at the airport) by an Accepted Payment Card in addition to the points required on Classic Flight Reward flights. Qantas Points required and taxes, fees and carrier charges are subject to change and quoted at the time of booking. For more information, visit Classic Flight Rewards.
+ Added
**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.
1 unchanged line
− Removed
**4\. Complimentary 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 persons wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, limits and exclusions contained in the [ Pdf File Complimentary Insurance Policy Information booklet (PDF 850KB)](/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC%5FConsumer%5FCredit%5FCard%5FComp%5FInsurance%5FAllianz.pdf) 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.
+ Added
[Return to footnote 8](#)
1 unchanged line
− Removed
Read the [ Pdf File Apple Pay Terms and Conditions (PDF 160KB)](/content/dam/public/wbc/documents/pdf/pb/WBC-apple-pay-westpac-tcs.pdf) before making a decision and consider if it is right for you. To use Apple Pay you will need an eligible card and a compatible device with a supported operating system. See our [Apple Pay FAQs](/faq/apple-pay/) for more information. Apple, the Apple logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
+ Added
**Rewards Points**: The earning and redemption of Qantas Points are subject to the [Altitude Terms and Conditions (PDF)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-altitude-terms-and-conditions.pdf). Purchases that are not eligible to earn Rewards Points are set out in the [Altitude Terms and Conditions (PDF)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-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)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/partpay%5Fcard%5Fterms%5Fand%5Fconditions.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.
1 unchanged line
− Removed
Read the [ Pdf File Samsung Pay Terms and Conditions (PDF 147KB)](/content/dam/public/wbc/documents/pdf/westpac-live/mobile-wallets/Samsung%5FPay%5FWBC%5FTandCs.pdf) before making a decision and consider if it is right for you. To use Samsung Pay you will need an eligible card and a compatible device with a supported operating system. See our [Samsung Pay FAQs](/personal-banking/mobile-wallets/samsung-pay/) for more information. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.
+ Added
**Altitude Qantas**: In order to earn and redeem points, you must be a member of the relevant Frequent Flyer program. An annual $\[\[Rates#CC|Altitude Qantas Platinum.CCAQP.RewardsAnnualFee{none}\]\] Rewards Program Fee applies for customers who choose this option.
1 unchanged line
− Removed
The [ Pdf File Google Pay Terms and Conditions (PDF 158KB)](/content/dam/public/wbc/documents/pdf/westpac-live/mobile-wallets/Westpac%5FGoogle%5FPay%5FTerms%5Fand%5FConditions.pdf) before making a decision and consider if it is right for you. To use Google Pay you will need an eligible card and a compatible device with a supported operating system. See our [Google Pay FAQs](/personal-banking/mobile-wallets/google-pay/) for more information. Google Pay is a trademarks of Google Inc.
+ Added
Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
1 unchanged line
− Removed
**Westpac Fraud Money Back Guarantee** ensures that customers will be reimbursed for any unauthorised transactions provided that the customer has not contributed to the loss and contacted Westpac promptly. Refer to the card's [ Pdf File Terms and Conditions (PDF 264KB)](/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-credit-card-terms-and-conditions.pdf) for full details, including when a customer will be liable.
+ Added
BPAY® is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518.
1 unchanged line
− Removed
Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
+ Added
## Not a Westpac customer
1 unchanged line
− Removed
BPAY® is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518.
+ Added
[ Apply now](#) ## Already a Westpac customer [ Sign in](#)
- Start
- Superseded
- Last successful capture for offer
Imported Git source
Dates use Git commit times. HTML sources were cleaned to Markdown. Markdown and text sources retain their recorded format. Coverage may be incomplete.
- markdown source · Recorded · Commit
5e43e41a234525958e451d554b6530775557d2b5
Source pages and terms
Saved wording and terms
- 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 30 September 2026, we're making changes to some Westpac Credit Card fees and rates, including updates to the Rewards Points program. Find out more
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 $75 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 $75 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
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 Insurances - Access to Interstate Flight Inconvenience Insurance and Rental Vehicle Excess in Australia cover, up to 3 months' complimentary cover for international travel insurance, plus extended warranty, purchase protection for up to 4 months and overseas transit accident insurance (terms, conditions, exclusions and eligibility criteria 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 |
| 0.35 | 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 | 20.99% p.a. |
| Variable cash advance rate | 21.99% 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 | $75 |
| 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
See eligible Australian visa (PDF)
You'll need to provide
- Proof of income
- Current debts and expenses
Two of these ID documents
- Passport
- Australian drivers' license
- Medicare card
- Australian birth certificate
Frequently asked questions
How does the Complimentary International Travel Insurance work and am I eligible for it?
You can obtain written confirmation of eligibility for cover for your overseas journey from the issuer of the insurance, 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, based on the answers you give AGA, by applying online at: checkyourcover.com.au/westpac. If you provide AGA with incorrect answers to the questions we ask you, you may not be eligible for cover under the group policy issued to Westpac.
What do the complimentary insurances cover?
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).
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).
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 5 sub-categories: supermarkets, department stores, petrol stations, dining and utilities. Below is a list of examples of merchants included in these 5 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
- Dining includes restaurants, cafes, fast food, bars, hotels and entertainment venues
- Utilities include payments for water, gas, electricity, internet, mobile and streaming services (excluding BPAY® payments).
You might be interested in
- [Image]
Altitude Qantas Black
Our premier Qantas credit card gets you a high Qantas Points earn rate as well as complimentary airport lounge access, insurances and concierge.
Find out more
- [Image]
Altitude Rewards Black
Our premium Altitude Rewards credit card gets you our highest Points earn rate, flexibility in how you redeem with Pay with Points, complimentary airport lounge access, insurances and more.
Find out more
- [Image]
Altitude Velocity Black
Our premier Velocity credit card could get you our highest Velocity Points earn rate as well as complimentary airport lounge access, seat upgrades, insurances and concierge.
Find out more
- [Image]
Altitude Rewards Platinum
Enjoy Platinum Card benefits and the flexibility of Altitude Rewards. Choose from gift cards, merchandise or our unique 'Pay with Points’ feature.
Find out more
- [Image]
Altitude Velocity Platinum
Earn Velocity Points directly into your Velocity Frequent Flyer account and enjoy Platinum credit card benefits.
Find out more
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)
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.
[1]
Bonus Qantas Points Promotion Altitude Platinum: Offer commenced [[Rates#CC|Altitude Qantas Platinum.CCAQP.EffectiveDate{longDateDisplay}]]. 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 [[Rates#CC|Altitude Qantas Platinum.CCAQP.BonusPoints1{showAsCommaSep}]] bonus points if you spend $[[Rates#CC|Altitude Qantas Platinum.CCAQP.EligiblePurchaseAmount{none}]]k or more on eligible purchases within [[Rates#CC|Altitude Qantas Platinum.CCAQP.EligiblePurchaseTerm{none}]] 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 $[[Rates#CC|Altitude Qantas Platinum.CCAQP.EligiblePurchaseAmount{none}]]k on eligible purchases within [[Rates#CC|Altitude Qantas Platinum.CCAQP.EligiblePurchaseTerm{none}]] days of your card opened date anniversary, and you'll earn an additional [[Rates#CC|Altitude Qantas Platinum.CCAQP.BonusPoints2{showAsCommaSep}]] 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.
[2]
Existing customers only - Reduced First year Card Fee for Altitude Qantas Platinum: Offer commenced [[Rates#CC|Altitude Qantas Platinum.CCAQP.EffectiveDate{longDateDisplay}]]. The discounted first year Card Fee of $[[Rates#CC|Altitude Qantas Platinum.CCAQP.ExistingCustomerFYFeeOffer{none}]] 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 $[[Rates#CC|Altitude Qantas Platinum.CCAQP.AnnualCardFee{none}]], and will be debited to your card account on the 12-month anniversary of the Card Fee date and annually thereafter. A $[[Rates#CC|Altitude Qantas Platinum.CCAQP.RewardsAnnualFee{none}]] 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.
[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.
[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.
[5]
Complimentary 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 persons wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, limits and exclusions contained in the Complimentary Insurance Policy Information booklet (PDF) 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.
[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.
[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.
[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.
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: In order to earn and redeem points, you must be a member of the relevant Frequent Flyer program. An annual $[[Rates#CC|Altitude Qantas Platinum.CCAQP.RewardsAnnualFee{none}]] Rewards Program Fee applies for customers who choose this option.
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.
Not a Westpac customer
Already a Westpac customer
Snapshot record
- Snapshot ID
- 841
- Cleaning version
- git-markdown:1
- Review completed
- Not yet reviewed
- SHA-256
- 7f4210e6e77fa4e43597b154d0c17dcad71261e910d809cc6c5d8ebaf90894f6
