Westpac Altitude Qantas Platinum
Churn value: $25 in gift cards.
You pay $300 in first-year fees.Spend $4,000 in 90 days.You get $325 in Woolworths gift cards.
The recorded minimum requirements are that you earn at least $30,000 a year and can take a credit limit of at least $3,000. Meeting them does not guarantee approval.
It is only worth it if you pay in full each month and close the card before the next $300 fee.
Available
This page is my best effort to summarise the card's terms from the information I found. Read the bank's terms for full details, or contact the bank if you have questions.
I'd like to use my bonus for:
Can I get this?
This offer is advertised to the public. Bonus conditions and the bank’s approval requirements still apply.
Can I get this bonus if I have held a card before?
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. The wait is 24 months, from the last date you held one of these cards. If you hold one now, you cannot get this bonus.
See the waiting rules for every Australian bank →What must I spend?
$4,000 within 90 days — about $1,333 per month.
Can I get the card?
The minimum credit limit is $3,000. This is the least the bank may let you borrow.
You must earn at least $30,000 a year.
Meeting the bonus rules does not mean the bank will approve your application. The bank must assess and approve the card separately.
How long is this available?
I do not have an end date for this offer.
What do I do, step by step?
- Apply. Check the income and waiting rules in “Can I get this?” first. If you do not pass those, the bonus does not come.
- Spend $4,000 in 90 days on bills and shopping you had to pay anyway. Do not buy extra things just to hit the number.
- Pay in full each month. Interest can eat the whole bonus. The churn value at the top assumes you never pay interest.
- Use the points for gift cards. Points you never use are worth zero.
- Close the card before the next fee — keeping it costs $300 a year. The next section helps you decide if keeping it is worth it.
When this is not worth it
- You pay interest, or you cannot pay in full each month.
- You buy things you do not need to hit the spend target.
- You have no trip or use in mind for the points.
- You keep the card into year two out of habit and pay the fee again.
Should I keep it after the first year?
Keeping the card costs $300 each year ($175 annual fee + $125 program fee) — the first year was $300.
The year-two bonus is 30,000 Qantas points.
Ongoing earn: 0.33x Qantas points per $1.
Keeping pays off only if you meet the second-year conditions and use the points and benefits enough to cover $300/yr.
What else makes the card useful?
Reward use
Ways to turn points into value.
- Points Transfer Benefits Compare across cards →Qantas Points earned are credited directly to the cardholder's Qantas Frequent Flyer account on a monthly basis
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Qantas Points earned are credited directly to the cardholder's Qantas Frequent Flyer account on a monthly basis
Purchase protection
Cover on things you buy with the card. Limits, excesses, and activation conditions apply.
- Purchase Protection Insurance Compare across cards →Covers eligible items against theft, accidental damage or permanent loss for up to 4 months from purchase; up to $10,000 per item ($3,500 for jewellery, watches and new works of art), $135,000 max in any 12-month period; $300 excess
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Covers eligible items against theft, accidental damage or permanent loss for up to 4 months from purchase; up to $10,000 per item ($3,500 for jewellery, watches and new works of art), $135,000 max in any 12-month period; $300 excess
- Extended Warranty Insurance Compare across cards →Extends the manufacturer's Australian warranty by up to 2 years on eligible products (no cover where warranty exceeds 5 years); up to $20,000 per product and per card account in any 12-month period; $300 excess
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Extends the manufacturer's Australian warranty by up to 2 years on eligible products (no cover where warranty exceeds 5 years); up to $20,000 per product and per card account in any 12-month period; $300 excess
Travel
Travel cover and perks. Most need qualifying bookings or payment with the card.
- Travel Insurance Compare across cards →Complimentary International Travel Insurance for trips up to 3 consecutive months (Level 2 Card); eligible after charging at least $500 prepaid travel costs to the card and holding a return overseas ticket; also includes Interstate Flight Inconvenience and Rental Vehicle Excess…
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Complimentary International Travel Insurance for trips up to 3 consecutive months (Level 2 Card); eligible after charging at least $500 prepaid travel costs to the card and holding a return overseas ticket; also includes Interstate Flight Inconvenience and Rental Vehicle Excess in Australia cover; eligibility confirmation at checkyourcover.com.au/westpac
- Rental Vehicle Insurance Compare across cards →Rental Vehicle Excess in Australia cover up to the excess in the rental agreement or $5,500, whichever is lesser; $300 excess
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Rental Vehicle Excess in Australia cover up to the excess in the rental agreement or $5,500, whichever is lesser; $300 excess
- Transit Accident Insurance Compare across cards →Overseas Transit Accident Insurance for accidental death or injury while a passenger on a plane, bus, train or short-haul ferry overseas when the trip was charged to the card; up to $750,000 for loss of life, $1,300,000 aggregate per event
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Overseas Transit Accident Insurance for accidental death or injury while a passenger on a plane, bus, train or short-haul ferry overseas when the trip was charged to the card; up to $750,000 for loss of life, $1,300,000 aggregate per event
Everyday savings
Discounts and cashback on spending. Activation and caps vary.
- Shopping Benefits Compare across cards →Personalised cashback offers via Westpac Extras, bonus cashback shopping via the Westpac Lounge on ShopBack, plus other in-store and online discounts
These amounts are not included in the bonus calculation.
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Personalised cashback offers via Westpac Extras, bonus cashback shopping via the Westpac Lounge on ShopBack, plus other in-store and online discounts
Account management
Tools for running the account — repayment helpers, not reward value.
- Interest Free Periods Compare across cards →Up to 45 interest-free days on purchases when the Closing Balance is paid in full by the due date; cash advances are not covered
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Up to 45 interest-free days on purchases when the Closing Balance is paid in full by the due date; cash advances are not covered
- Buy Now Pay Later Compare across cards →PartPay feature splits eligible purchases into 4 payments over 6 weeks; turn on to start using
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PartPay feature splits eligible purchases into 4 payments over 6 weeks; turn on to start using
- Installment Plans Compare across cards →SmartPlan lets eligible purchases be repaid as a fixed instalment plan
This is a repayment plan. It does not add reward value.
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SmartPlan lets eligible purchases be repaid as a fixed instalment plan
- Balance Transfer Offers Compare across cards →Balance transfers available on the card account
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Balance transfers available on the card account
- No Additional Cardholder Fee Compare across cards →Add one additional cardholder aged 16 or over at no extra cost
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Add one additional cardholder aged 16 or over at no extra cost
- Digital Wallet Integration Compare across cards →Supports Apple Pay, Samsung Pay and Google Pay
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Supports Apple Pay, Samsung Pay and Google Pay
- Digital Card Issuance Compare across cards →Instant Digital Card available to use from the moment the account is opened, before the physical card arrives
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Instant Digital Card available to use from the moment the account is opened, before the physical card arrives
- Online Banking Features Compare across cards →Westpac App tools include cash flow and spend Categories insights, Cards Hub (order/lock card, change PIN), Quick Balance, Card Autopay and SMS payment reminders
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Westpac App tools include cash flow and spend Categories insights, Cards Hub (order/lock card, change PIN), Quick Balance, Card Autopay and SMS payment reminders
$325 in Woolworths gift cards (67,360 of 71,320 Qantas points; 3,960 left over) − $175 card fee − $125 program fee. Assumes you earn the bonus and pay in full; extra spend or interest changes the outcome.
This offer is open now (terms from 13 Oct 2026).
What this calculation assumes
- You make the required purchases and the bonus is paid.
- You pay the balance in full — any interest changes the outcome.
- The required spend is ordinary planned spending, not extra cost.
- You close the card before the next annual fee, or you decide keeping it is worth that fee.
- Gift card prices can change. I check them again at renewal time.
Did this help you make a decision?
Terms and evidence
Full current terms
Offer terms
First Year Points
70,000 points
Qantas
Second Year Points
30,000 points
With $175 annual fee
Minimum Spend
$4,000
within 90 days (about 3 months)
Ongoing Earn Rate
0.33x points per $1 spent
Fees
First Year Annual Fee
$175
Ongoing Annual Fee
$175
From year 2 onwards
Program Fee
$125
Additional fee for reward program participation
Purchase Interest Rate
23.98% p.a.
The value above assumes you pay in full and never pay this. Any interest changes the outcome.
Benefit history (11 changes)
- Status CreditsRemoved Oct 2026
- Travel InsuranceUpdated May 2026
- Interest Free PeriodsUpdated May 2026
- Buy Now Pay LaterUpdated May 2026
- Digital Card IssuanceUpdated May 2026
- Digital Wallet IntegrationUpdated May 2026
- No Additional Cardholder FeeUpdated May 2026
- Transit Accident InsuranceUpdated May 2026
- Extended Warranty InsuranceUpdated May 2026
- Purchase Protection InsuranceUpdated May 2026
- Rental Vehicle InsuranceUpdated May 2026
Offer terms history (12 versions — old terms, for checking)
These are published versions of this offer's terms. Each version preserves the conditions available at that time.
Published 13 Oct 2026
Availability changed from ended to available; conditions unchanged.
Changes from terms version 10
Changes from terms version 9
Changes from terms version 8
No recorded term changes from the previous version.
No recorded term changes from the previous version.
Changes from terms version 5
Changes from terms version 4
Changes from terms version 3
Changes from terms version 2
Changes from terms version 1
First recorded terms
Captures behind the selected terms record — evidence for these terms, not a complete history of the named offer.
Archived notes
Earlier notes about this offer, kept as an archive — not current terms. Note dates are separate from terms publication dates.
- Expiration changed from 27/02/24 to 31/07/24, Bonus from 70K to 60K3 years ago
- Expiration changed from 30/04/24 to 27/02/243 years ago
- Expiration changed from 01/11/23 to 30/04/243 years ago
- Annual fee increased from $50 to $1243 years ago
- Annual fee increased from $99 to $1743 years ago
- Offer end date changed to 14th June 2023 due to fee changes https://www.westpac.com.au/content/public/wbc/en/personal-banking/credit-cards/reward/reward-card-changes.html3 years ago
- Offer extended to 29th June 20234 years ago
- Bonus reduced from 75k to 70k, offer ends 31/12/224 years ago
- Offer extend from 24/02/22 to 30/06/225 years ago
Discussion
About the current terms (published 13 Oct 2026).
Community and personal tools
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