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Qantas Rewards Credit Cards
Earn Qantas Points directly to your Qantas Frequent Flyer account and enjoy Westpac credit card benefits like PartPay, Cashback offers and discounted card fees.
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From 1 October 2026, we’re making changes to the Westpac Credit Cards Complimentary Insurance Policy. Find out more
Important notice
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Check out our Qantas Rewards credit cards
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Offer
Altitude Qantas Platinum
Earn Qantas Points directly to your Qantas Frequent Flyer account and enjoy Platinum credit card benefits.
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Offer
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You could earn up to 100,000 bonus Qantas Points.[#]
Already with Westpac? Sign in to apply and get a $99 first year card fee (reverts to $175 p.a. thereafter).[#]
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.
Rates
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- Variable purchase rate - 23.98% p.a.
- Variable cash advance rate - 23.99% p.a.
Features
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- Annual card fee - $175
- Annual Altitude Qantas Rewards Program fee - $125
- Minimum credit limit - $3,000
- Minimum income - $30,000 p.a.
- Earn up to 0.75 Qantas Points per $1 spent on eligible purchases[#]
- Plus earn 1 bonus Qantas Point per $1 spent on selected Qantas products and services[#] in Australia
- Complimentary International Medical Travel Insurance,[#] Complimentary Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia[#]
Apply now
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Not yet with us? Apply here
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Already with us? Sign in to apply
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Find out more
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- Complimentary Insurances - Access to Complimentary International Medical Travel Insurance and Complimentary Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia (terms, conditions, exclusions, limits and applicable sub-limits apply). Find out more.
- Lounge Passes - Complimentary lounge passes (Altitude Qantas Black only). See FAQs for how to redeem.
- PartPay - Split purchases of $100 or more into 4 payments over 6 weeks. Find out more.
- ShopBack - Bonus Cashback when you shop via the Westpac Lounge on ShopBack, plus other discounts and offers from a wide range of online and retail stores.
Other features and benefits
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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.
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No card? No problem - On top of Apple Pay, Samsung PayTM 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.
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Additional cardholder - Add 1 additional cardholder (16 years or older) at no extra cost.[#]
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Fraud protection - From verifying unusual transactions to our fraud money back guarantee, we aim to keep you protected.
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Tools to stay on top - These include options like PartPay, SmartPlan, Balance Transfers, Card Autopay and SMS payment reminders.
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Personal Concierge Service (Altitude Qantas Black only) - Exclusive to Westpac Altitude Black cardholders, the Personal Concierge Service lets you browse and book experiences online, including hard-to-get tickets, last-minute restaurant bookings and more. Find out more.
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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.
Frequently asked questions
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How do I register for the complimentary lounge passes?
Qantas Club Complimentary Invitations[#]
If you choose Altitude Qantas, you are eligible for 2 Complimentary Invitations per year after you spend on eligible selected Qantas products and services[#] each year using your Altitude Black Mastercard. You must first register and opt in to take advantage of this feature.
How does the Complimentary International Travel Insurance work and am I eligible for it?
For full details on how the complimentary travel insurance works go to Westpac Complimentary Travel Insurance website.
What do the complimentary insurances cover?
From 1 October 2026 (where you meet the eligibility criteria) the complimentary credit card insurance will include:
Domestic Travel Insurance[#]
Domestic Travel Insurance covers flights within and between states in Australia. Cover includes Cancellation, Flight Delay, Luggage and Luggage Delay. Please refer to the Westpac Credit Card Domestic Complimentary Insurance Policy Information Booklet for full eligibility criteria, terms, conditions and exclusions.
Rental Vehicle Excess Insurance in Australia[#]
Cover if a rental vehicle you have rented from a rental company or agency in Australia is involved in an accident while you’re driving it, or is damaged or stolen while in your custody. Please refer to the Westpac Credit Card Domestic Complimentary Insurance Policy Information Booklet for full eligibility criteria, terms, conditions and exclusions.
Complimentary International Medical Travel Insurance[#]
Up to 3 months (subject to your eligible card) Complimentary International Medical Travel Insurance which includes Overseas Medical & Hospital Expenses, Funeral Expenses, Personal Liability and Overseas Emergency Assistance. To have access to cover you must meet all eligibility criteria including, but not limited to $500 minimum spend and activating your insurance before departing Australia. Please refer to the Westpac Credit Card International Travel Insurance, Product Disclosure Statements for eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits.
On or before 30 September 2026 (where you meet the eligibility criteria) the credit card complimentary insurance will include:
International Travel Insurance[#](see policy for details)
Access up to 6 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).
Purchase Protection Insurance[#]
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).
Extended Warranty Insurance[#]
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 is the Personal Concierge Service and how does it benefit me?
We've recently partnered with Ten Lifestyle Services. Westpac Altitude Black cardholders will now be able to browse and book experiences with ease, purchase hard-to-get tickets, make last-minute restaurant reservations and more, all online. You can find out more here (https://westpac.tenconcierge.com/), or reach our Lifestyle Managers on 1300 651 999 (option 4) for 24/7 personalised assistance.
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Not interested in Qantas points?
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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.
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Find out more
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.
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Find out more
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Whichever credit card you're after, you'll find it with a little Westpac.
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Things you should know
Concierge Services for Altitude Black. Concierge services are provided by a third party supplier. For further details including terms and conditions visit westpac.tenconcierge.com.
Read the Apple Pay Terms and Conditions 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 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.
The Google Pay Terms and Conditions 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 for more information. Google Pay is a trademarks of Google Inc.
Read the Samsung Pay Terms and Conditions 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 for more information. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.
Westpac Fraud Money Back Guarantee: Our Westpac Fraud Money Back Guarantee ensures that customers will be reimbursed for any unauthorised card transactions provided that the customer has not contributed to the loss and contacted Westpac promptly. Refer to the cards’ Terms and Conditions for full details, including when a customer will be liable. You should, however, make sure you only provide your card details to reputable merchants and always contact us immediately if you suspect any fraudulent activity.
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