Compare Westpac Credit Cards

Compare the latest Westpac Credit Card offers. 0% for 28 months on Balance Transfers. 120,000 bonus Qantas Points. 120,000 bonus Velocity Points. Review your existing Westpac Credit Card. Get a better deal today.


Updated 2 August 2022

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Qantas Frequent Flyer

Offers 1 - 10 of 26

Are Westpac Altitude or Qantas Frequent Flyer better?

Which is best for you?

If you take out a Westpac loyalty points Credit Card you’ll generally have the option to link it to Qantas Frequent Flyer, Velocity Frequent Flyer or Westpac Altitude. We look at the pros and cons of each rewards program to help you choose which is right for you.

How Westpac Altitude works

The Westpac Altitude program is designed to give you flexibility in the way you choose to redeem rewards points. It allows you to accumulate rewards on your everyday purchases and doesn’t cap the number of points you can earn.


You can then spend these points acorss the following categories.

  • Gifts cards. You can convert your Westpac Altitude points for gift cards through a number of retail partners. These include David Jones, Woolworths, Bunnings, JB Hi Fi, Harvey Norman, and more.
  • Cashback.Westpac Altitude has a cashback scheme that offers you $5 in return for every 1,410 points you redeem.
  • Airline partners. 4 different frequent flyer programs partner with Westpac Altitude offering the following rates of exchange:
    • Velocity Frequent Flyer.3 Westpac Altitude Points = 1 Velocity Point
    • Singapore Airlines Krisflyer.3 Westpac Altitude Points = 1 Krisflyer Mile
    • Cathay Pacific Asia Miles.3 Westpac Altitude Points = 1 Asia Mile
    • Air New Zealand Airpoints.180 Westpac Altitude Points = 1 Airpoint

Which cards come with Westpac Altitude?

Westpac offers 2 different cards that come with Westpac Altitude. These include the entry-level Westpac Altitude Platinum card , as well as the Westpac Altitude Black. For a higher fee, these offer the opportunity to earn more rewards points, and feature other travel-related benefits.


Summary of the benefits of Westpac Altitude cards

Westpac Altitude Platinum
Fee$150
International transaction fee3%
Purchase rate21.49% p.a.
Free Daysup to 45
Rewards points earned

Earn Westpac Altitude Points

1point per $1 spent

Other benefits

Complimentary travel insurance

Minimum credit limit$6,000
Westpac Altitude Black
Fee$250
International transaction fee3%
Purchase rate21.49% p.a.
Free Daysup to 45
Rewards points earned

Earn Westpac Altitude Points

1.25points per $1 spent

Other benefits

Complimentary travel insurance

Priority Pass airport lounge passes

Minimum credit limit$15,000

Current offers on Westpac Altitude cards

Westpac has the following offers for people taking out a new Westpac Altitude card.


Westpac Altitude Platinum

Bonus Points Offer

110,000bonus points

0% for 24 monthson balance transfers (1.00% BT fee applies), reverts to 21.49% p.a.

$49annual fee in first year

Westpac Altitude Black

Bonus Points Offer

140,000bonus points

0% for 24 monthson balance transfers (1.00% BT fee applies), reverts to 21.49% p.a.

$99annual fee in first year

How the Westpac Qantas Frequent Flyer credit cards works

As the name suggests when you spend money on your Westpac Qantas Frequent Flyer card, you earn Qantas Frequent Flyer Points directly. Points are uncapped and the amount you’ll receive depends on how much you spend.


Qantas Frequent Flyer program is extensive, giving you the opportunity to use points for domestic and international flights and upgrades. You can also redeem points for:

  • hotels
  • shopping, including gift cards and direct purchases from the Qantas Store
  • purchases through Qantas Wine
  • Qantas Travel Insurance, and
  • hire cars and fuel through BP

Which cards come with Qantas Frequent Flyer?

Westpac offers 2 different cards that link to Qantas Frequent Flyer. These include the entry-level Westpac Altitude Qantas Platinum card, as well as the Westpac Altitude Qantas Black. For a higher fee, these offer the opportunity to earn more rewards points, and feature other travel-related benefits.

Summary of Westpac Qantas Frequent Flyer Cards

Westpac Altitude Qantas Platinum
Fee$200
International transaction fee3%
Purchase rate21.49% p.a.
Free Daysup to 45
Rewards points earned

Earn Qantas Points

0.5points per $1 spent

50,000 annual points cap

Other benefits

Complimentary travel insurance

Minimum credit limit$6,000
Westpac Altitude Qantas Black
Fee$300
International transaction fee3%
Purchase rate21.49% p.a.
Free Daysup to 45
Rewards points earned

Earn Qantas Points

0.75points per $1 spent

187,500 annual points cap

Other benefits

Complimentary travel insurance

Qantas Club lounge invitations

Minimum credit limit$15,000

Current offers on Westpac Qantas Frequent Flyer cards

Westpac has the following offers for people taking out a new Westpac Qantas Frequent Flyer card.


Westpac Altitude Qantas Platinum

Bonus Points Offer

70,000bonus points

0% for 24 monthson balance transfers (1.00% BT fee applies), reverts to 21.49% p.a.

$49annual fee in first year

Westpac Altitude Qantas Black

Bonus Points Offer*

up to 120,000bonus points

0% for 24 monthson balance transfers (1.00% BT fee applies), reverts to 21.49% p.a.

Which should you get: Westpac Altitude or Qantas Frequent Flyer ?

We’ve summarised the key benefits of both cards here. However, ultimately, whether you should choose one of the Westpac Altitude credit cards or one of the Westpac Qantas Frequent Flyer depends largely on how you intend to redeem the points.


If you’re happy flying Qantas and shopping through its partners, then earning Qantas Frequent Flyer points directly can be a great option.Alternatively, if you’d prefer to fly another airline, then the Westpac Altitude card gives you the opportunity to redeem through 4 different frequent flyer loyalty programs schemes (Qantas isn’t one of them).


If cost is a consideration, it’s also worth noting that the Westpac Altitude cards tends to be slightly cheaper than the Westpac Qantas Frequent Flyer cards.But if you’re earning more points on an airline you’d choose to fly, this probably won’t matter.


Alternatively, if you don’t feel like you’ll get value out of rewards points, a low-cost no-frills card could save you money.

In short…

Both cards offer great rewards programs and the choice ultimately comes down to personal preference.


More information
* Select “learn more” for additional information regarding fees, interest rates, rewards and other features.
^ Credit card reward programs can be difficult to compare due to tiered and capped points earn rate structures. To simplify comparison, we estimate the number of points you could earn per $1 spent, assuming $5,000 of spend on eligible purchases each month.
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