Credit Cards with Buy Now Pay Later

Ranked by estimated first-year value after fees. Uses each offer's best redemption, assumes the bonus is earned and the balance is paid in full.

1. Westpac Altitude Velocity Black (Existing customers)

Velocity points

$295 annual fee

Existing customers onlyCan I become an existing customer?

Offer

90,000 Velocity points

PartPay facility lets eligible purchases be paid over instalments

Spend $6,000 in 90 days (~$2,000/mo)

$200 first year annual fee, $295 thereafter

Craig's Take

Moderate spend — $67/day for 90 days. Poor ongoing earn rate.

Estimated value after fees $1,216

Velocity flights

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2. Westpac Altitude Qantas Black (Reduced first year annual fee for Westpac Customers)

Qantas points

$295 annual fee

Existing customers onlyCan I become an existing customer?

Offer

90,000 Qantas points

PartPay Card lets eligible purchases be paid in instalments; subject to PartPay Card terms and conditions

Spend $6,000 in 90 days (~$2,000/mo)

$200 first year annual fee, $295 thereafter

Offer Expires in 17 days (2026-10-28)

Craig's Take

Moderate spend — $67/day for 90 days. Poor ongoing earn rate.

Estimated value after fees $1,123

Qantas flights

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3. Westpac Altitude Velocity Black

Velocity points

$295 annual fee

Offer

90,000 Velocity points

PartPay facility lets eligible purchases be paid over instalments

Spend $6,000 in 90 days (~$2,000/mo)

Craig's Take

Moderate spend — $67/day for 90 days. Poor ongoing earn rate.

Estimated value after fees $1,121

Velocity flights

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4. Westpac Altitude Qantas Black

Qantas points

$295 annual fee

Offer

90,000 Qantas points

PartPay Card lets eligible purchases be paid in instalments; subject to PartPay Card terms and conditions

Spend $6,000 in 90 days (~$2,000/mo)

Offer Expires in 17 days (2026-10-28)

Craig's Take

Moderate spend — $67/day for 90 days. Poor ongoing earn rate.

Estimated value after fees $1,028

Qantas flights

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5. Westpac Altitude Velocity Platinum (Reduced first year annual fee for Westpac Customers)

Velocity points

$175 annual fee

Offer

70,000 Velocity points

PartPay feature splits eligible purchases into 4 payments over 6 weeks; turn on to start using

Spend $4,000 in 90 days (~$1,333/mo)

$99 first year annual fee, $175 thereafter

Craig's Take

Easy $44/day spend to hit the bonus. Poor ongoing earn rate.

Estimated value after fees $988

Velocity flights

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6. Westpac Altitude Velocity Platinum

Velocity points

$175 annual fee

Offer

70,000 Velocity points

PartPay feature splits eligible purchases into 4 payments over 6 weeks; turn on to start using

Spend $4,000 in 90 days (~$1,333/mo)

Craig's Take

Easy $44/day spend to hit the bonus. Poor ongoing earn rate.

Estimated value after fees $912

Velocity flights

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7. Westpac Altitude Qantas Platinum

Qantas points

$175 annual fee

Offer

70,000 Qantas points

PartPay feature splits eligible purchases into 4 payments over 6 weeks; turn on to start using

Spend $4,000 in 90 days (~$1,333/mo)

Craig's Take

Easy $44/day spend to hit the bonus. Poor ongoing earn rate.

Estimated value after fees $841

Qantas flights

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8. ANZ Rewards Platinum

ANZ points

$149 annual fee

Offer

85,000 ANZ points

Buy Now Pay Later Plan requires no repayment of an agreed amount and charges no interest on that amount for a specified period

Spend $3,500 in 90 days (~$1,167/mo)

Craig's Take

Easy $39/day spend to hit the bonus. Good ongoing earn rate. $50 cashback offsets the $149 fee.

Estimated value after fees $668

Velocity flights

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9. ANZ Frequent Flyer Black

Qantas points

$425 annual fee

Offer

50,000 Qantas points

Buy Now Pay Later Plan facility: no repayment of the agreed amount and no interest charged on that amount for a specified period.

Spend $6,000 in 90 days (~$2,000/mo)

Craig's Take

Moderate spend — $67/day for 90 days. Excellent ongoing earn rate. High $425 fee — make sure you'll use the perks.

Estimated value after fees $471

Qantas flights

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10.

10. Westpac Altitude Rewards Black

Westpac points

$295 annual fee

Offer

100,000 Westpac points

PartPay feature splits eligible purchases into 4 payments over 6 weeks; turn on to start using

Spend $12,000 in 365 days (~$986/mo)

$200 first year annual fee, $295 thereafter

Craig's Take

Easy $33/day spend to hit the bonus. Average ongoing earn rate.

Estimated value after fees $285

Krisflyer flights

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11.

11. Westpac Altitude Rewards Platinum (existing customers)

Westpac points

$175 annual fee

Existing customers onlyCan I become an existing customer?

Offer

75,000 Westpac points

PartPay feature: split purchases over $100 into 4 payments over 6 weeks

Spend $3,000 in 90 days (~$1,000/mo)

$49 first year annual fee, $175 thereafter

Craig's Take

Easy $33/day spend to hit the bonus. Excellent ongoing earn rate.

Estimated value after fees $281

Krisflyer flights

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12.

12. ANZ Frequent Flyer Platinum

Qantas points

$295 annual fee

Offer

25,000 Qantas points

Buy Now Pay Later Plan allows an agreed amount with no repayment required and no interest charged for a specified period

Spend $3,500 in 120 days (~$875/mo)

Craig's Take

Easy $29/day spend to hit the bonus. Good ongoing earn rate.

Estimated value after fees $147

Qantas flights

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13.

13. Westpac Low Rate Card (Existing Customers)

Westpac points

$84 annual fee

Existing customers onlyCan I become an existing customer?

Offer

0 Westpac points

PartPay: split purchases over $100 into 4 payments over 6 weeks

Spend $0 in 0 days

Craig's Take

Value estimate unavailable

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