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 22 April 2024
Offers 1 - 10 of 26
Are Westpac Altitude or Qantas Frequent Flyer rewards better?
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 do Westpac Altitude credit cards work?
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 across a range of categories, including Gift cards and Cashback. You can also convert your Westpac Altitude points to frequent flyer points with 4 different partners, including Velocity Frequent Flyer, Singapore Airlines Krisflyer, Cathay Pacific Asia Miles, andAir New Zealand Airpoints.
The following provides more information about these redemption options:
- Gift 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$175 | 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$295 | 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
up to 120,000bonus points
$49annual fee in first year
Westpac Altitude Black
up to 150,000bonus points
$150annual fee in first year
How do the Westpac Qantas Frequent Flyer credit cards work?
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$250 | 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$370 | 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
70,000bonus points
$99annual fee in first year
Westpac Altitude Qantas Black
up to 120,000bonus points
Which should you get: Westpac Altitude or Qantas Frequent Flyer?
Ultimately, whether you should choose a Westpac Altitude or a Westpac Qantas Frequent Flyer credit card 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.