From 150,000 points to 40,000 feet
Pair your home loan with a Qantas Rewards credit card. To get this benefit you must apply from this page.
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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

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Altitude Qantas

Earn Qantas Points directly into your Qantas Frequent Flyer account. Book or upgrade flights, shop the 900 leading brands at Qantas Marketplace and more.

Program features

  • Earn up to 1.2 Qantas Points per $1 spent on eligible purchases[#]
  • Earn more Qantas Points when making a purchase with Qantas partners including Woolworths and BP.
Offer
Altitude Qantas Black
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Offer
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Get up to 150,000 bonus Qantas Points[#] — 90,000 Qantas Points in year 1 if you spend $6k+ on eligible purchases[#] within 90 days of new card approval and an extra 60,000 points with $6k+ spend on eligible purchases[#] within 90 days of card anniversary in year 2.

Plus, $0 annual card fee when linked to your Premier Advantage Package. $395 Annual Package Fee 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. T&Cs apply.

Rates
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  • $75 annual Rewards Program Fee
  • 20.99% p.a. variable purchase rate
  • $6,000 minimum credit limit
  • $75,000 p.a. minimum income required.
Features
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  • Earn up to 1.2 Qantas Points per $1 spent on eligible purchases[#]
  • Complimentary insurances[#]
  • Qantas lounge passes[#]
  • Concierge service
  • Up to 45 days interest-free on purchases[#]
Sign in to apply
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Offer
Altitude Qantas Platinum
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Get 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.

Plus, $0 annual card fee when linked to your Premier Advantage Package. $395 Annual Package Fee 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. T&Cs apply.
Rates
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  • $75 annual Rewards Program Fee
  • 20.99% p.a. variable purchase rate
  • $3,000 minimum credit limit
  • $30,000 p.a. minimum income required.
Features
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  • Earn up to 0.75 Qantas Points per $1 spent on eligible purchases[#]
  • Complimentary insurances[#]
  • Up to 45 days interest-free on purchases[#]
Sign in to apply
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Westpac Low Rate Card

A low ongoing purchase rate.

Offer
Low rate cashback
Want cashback? Choose this offer.
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Up to $450 cashback – $75cashback for each month you spend $1k+ on eligible purchases in the first 6 months from card approval[#].

Offer not available if you’ve held a Westpac credit card in the last 24 months. New cards only. Credit criteria and T&Cs apply. Month is based on your credit card statement.
Rate
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  • $0 Monthly card fee when linked to your Premier Advantage Package. $395 Annual Package Fee applies..[#]
  • 13.74% p.a. variable purchase rate
  • $500 minimum credit limit
  • Up to 55 days interest-free on purchases[#]

New cards only. These are standard rates and fees.

Sign in to apply
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Offer
Low rate balance transfer
Want to reduce how much interest you pay? Choose this offer.
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0% p.a. for 20 months on balance transfers requested at card application[#]. 3% balance transfer fee applies. After 20 months the rate reverts to the variable cash advance rate.

New cards only, Credit criteria and T&Cs apply. Your current credit card issuer must accept BPAY payments to be eligible.
Rate
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  • $0 Monthly card fee when linked to your Premier Advantage Package. $395 Annual Package Fee applies..[#]
  • 13.74% p.a. variable purchase rate
  • $500 minimum credit limit
  • Up to 55 days interest-free on purchases[#]

New cards only. These are standard rates and fees.

Sign in to apply
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Things you should know

Westpac Credit Cards Key Facts Sheet

Credit Card Terms and Conditions

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.

Rewards Points: The earning and redemption of Altitude Points, Velocity Points and Qantas Points are subject to the Altitude Terms and Conditions. Purchases that are not eligible to earn Rewards Points are set out in the Altitude Terms and Conditions. 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 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.

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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