Important disclosure
Westpac Altitude Platinum (Altitude Qantas)
Bonus Points
Earn 70,000 bonus Qantas Points and a reduced first year annual card fee.Earn 70,000 bonus Qantas Points when you spend $4000 on eligible purchases within 90 days of approval. Offer excludes customers who hold/held an Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas or Velocity in the last 12 months. A reduced first year annual card fee (reverts to $175 thereafter) T&Cs apply.
Purchase Rate
Purchase Rate
19.99%
p.a
Balance Transfer Rate
Balance Transfer Rate
0%
p.a
for up to 24 months, then 21.49%
Purchase Rate
19.99%
p.a
Balance Transfer Rate
0%
p.a
for up to 24 months, then 21.49%
Annual Fee
$99
for 12 months then $175 thereafter
Promoted credit cards
Promoted
Rewards Platinum
Bonus Points
80,000 extra ANZ Reward Points and $50 back to your new ANZ Rewards Platinum credit card when you spend $2,000 on eligible purchases in the first 3 months from approval.Purchase Rate
20.49%
p.a
Annual Fee
$95
Promoted
Frequent Flyer Platinum
Bonus Points
Earn 75,000 bonus Qantas Points and $100 back to your new card when you spend $2,500 on eligible purchases in the first 3 months from approval.*Purchase Rate
20.49%
p.a
Annual Fee
$295
Pros and cons
For Altitude Platinum (Altitude Qantas)
Benefits
- Rewards Available through Qantas Frequent Flyer
- Extra 70,000 points subject to eligibility conditions
- $99 annual fee in the first 12 months and $175 p.a thereafter.
- Ability to convert large purchases into instalment plans
- Apple Pay, Google Pay and Samsung Pay available
- Domestic travel insurance
- International travel insurance
- Free supplementary cards
- Extended warranty
- Rental car excess insurance
- Concierge
- Purchase protection insurance
Drawbacks
- Higher than average ongoing variable purchase rate
- Higher than average ongoing annual fee
Westpac Rate Credit card overview
For Altitude Platinum (Altitude Qantas)
Details
Card Level Platinum | Card Type MasterCard |
Interest Free Days Interest Free Days 45 | Minimum monthly repayment 2% or $10 |
Minimum credit limit $6k | Maximum credit limit $30k |
Free supplementary cards | Instant Approval |
Target Market Determination Visit Westpac Banking Corporation Ltd to view Target Market Determination. |
Fees
Annual Fee Annual Fee $99 for 12 months then $175 thereafter | Annual Fee Spend Waiver |
Supplementary card annual fee $0 | Late Payment Fee $15 |
Over limit fee $15 | Duplicate statement fee $2 |
Electronic Wallet Service
Important Rates
Rates
Purchase Rate Purchase Rate 19.99% p.a |
Cash advance rate 21.49% p.a |
Cash advance fee 2% or $2.5 |
Balance Transfer
Balance Transfer Rate Balance Transfer Rate 0% p.a for up to 24 months, then 21.49% |
Transfer Limit 80% of the approved credit limit |
Balance Transfer Fee 1% |
Overseas spending
Foreign Exchange Fee 3% on Mastercard |
Overseas charges Overseas charges $2.5 |
Estimated ATM Cost $11.5 for AU $300 withdrawal |
Rewards
Program name Qantas Frequent Flyer |
Rewards Available Gift Card, Domestic Flights, International Flights, Flight Upgrades, Qantas Shop, Qantas Hotels |
Eligibility
Minimum age 18 |
Minimum income $30k |
Eligibility conditions You have a regular, verifiable income |
Residency |
Earn Rates
| Rate | Card Type | Earns | Condition |
|---|---|---|---|
| 0.5 points for $1 spent | Mastercard | uncapped | eligible purchases |
Perks
- DOMESTIC TRAVEL INSURANCE
- INTERNATIONAL TRAVEL INSURANCE Available for covers up to $15,000 for loss or damage to personal property, $550 for loss or damage to travel documents and $2.5 million of personal liability cover
- FREE SUPPLEMENTARY CARDS
- EXTENDED WARRANTY Warranty is extended for the same duration as the original warranty up to 1 year.
- RENTAL CAR EXCESS INSURANCE Covers up to $5000
- CONCIERGE
- PURCHASE PROTECTION INSURANCE Cover lasts for 90 days per year
- Bonus PointsOther Earn 70,000 bonus Qantas Points and a reduced first year annual card fee.Earn 70,000 bonus Qantas Points when you spend $4000 on eligible purchases within 90 days of approval. Offer excludes customers who hold/held an Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas or Velocity in the last 12 months. A reduced first year annual card fee (reverts to $175 thereafter) T&Cs apply.
Other Restrictions
Annual fee includes Qantas Rewards fee of $75. To pay no interest on your balance transfer you need to pay it off before the promotional period ends. Annual fee includes $50 Qantas rewards program fee. You do not receive points if your card account is in arrears for 2 consecutive statement cycles.
