Best Westpac credit card for Qantas points in Australia: Features, fees, and perks

If you’re a frequent flyer with Qantas, earning points through your credit card spending can be a smart way to boost your balance and get more value money. Westpac offers credit cards for both business and personal customers that allow you to do just that, earning Qantas Points on eligible spending.

In this guide we’ll break down how Westpac credit cards with Qantas Points work, including the options that are currently available, and what to keep in mind when choosing the right credit card for your travel and spending needs. You can also learn more about the Wise card, an easy way to stretch your dollars when paying in foreign currencies.

What is a Westpac credit card for Qantas points?

The Westpac Qantas Rewards credit cards allow you to earn Qantas Points on eligible spending, with the points being directly credited to your Qantas Frequent Flyer account. The cards you can do this with include:¹

• Westpac Altitude Qantas Platinum
• Westpac Altitude Qantas Black
• Westpac BusinessChoice Rewards Platinum Mastercard

As you accrue Qantas points, they can be redeemed for a variety of different rewards.

• Flights and flight upgrades
• Hotels
• Travel experiences
• Food
• Wine
• Brands in the Qantas Marketplace

Be aware there’s an additional Reward Program Fee of $75 that may be payable on top of the annual card fees.

What to consider when choosing an Westpac card for Qantas Points

Not all Qantas Rewards credit cards are the same, so comparing the features and costs can help you find the best value for your individual needs. Here are some key factors to keep in mind:

• Earn rate – Check how many Qantas Points you earn per dollar spent to estimate your potential rewards.
• Sign-up bonus – Review the bonus offers and their requirements, then consider how achievable they are for you given your normal spending habits.
• Annual fee – Weigh the annual fees against the value you expect to gain from the card and its benefits.
• Eligibility – Make sure you meet the eligibility criteria before applying.

Ultimately, the best card for you will depend on your spending patterns and travel habits.

Westpac credit cards for Qantas points in Australia

Now to look at the Westpac options in more detail. To start, here’s how the three Westpac Qantas Rewards credit cards mentioned earlier compare to one another.

Let’s explore the cards in more detail, including who each option might suit best.

Altitude Qantas Platinum

The Altitude Qantas Premium is the base level option for personal customers.² It comes with a couple of perks, like complimentary insurance and cashback, as well as the chance to earn 75,000 bonus points after signing up when $4000+ is spent on eligible purchases within 90 days of approval.

To apply for the credit card you must meet the eligibility criteria, which includes having an income of at least $30,000 pa.

Here are a few key fees, limits and interest rates to be aware of:

• Annual fee - $175 + $75
• Interest rate -20.99% pa
• Cash advance rate -21.99% pa
• Minimum credit limit - $3000

The Westpac Altitude Qantas Premium credit card could be a good option for people who don’t travel frequently enough to care about travel perks like lounge access, but still want a way to earn Qantas Points on everyday spending.

Altitude Qantas Black

The higher end Westpac Qantas credit card is the Altitude Qantas Black, offering better rewards points rates than the Altitude Qantas Premium.³ It has a higher annual fee too, but also comes with more perks. That includes two complimentary Qantas Club lounge passes each year.

The eligibility criteria for the Westpac Altitude Qantas Black includes having a minimum income of at least $75,000 pa. You can get up to 90,000 Qantas Points when $6000+ is spent on eligible purchases within 120 days of approval.

Here are some of the important fees, limits and interest rates to know:

• Annual fee - $295 + $75
• Interest rate -20.99% pa
• Cash advance rate -21.99% pa
• Minimum credit limit - $6000

The Westpac Altitude Qantas Black may suit frequent travellers and high spenders who can meet the income requirements, as the perks and points earned could offset the higher annual fee.

Westpac BusinessChoice Rewards Platinum Mastercard

Businesses are also able to earn Qantas Points through Westpac, by spending with the BusinessChoice Rewards Platinum credit card.⁴ The rewards points earned are stored in a central Qantas Business Rewards account, and can be transferred to any Qantas Frequent Flyer account. As a sign-up bonus, $89.50 Qantas Business Rewards program joining fee is waived.

To apply for the credit card you must be the business owner, trustees or company director, and be able to provide this information:

• Income, employment and financial commitment details
• Liabilities, assets and expenses
• Australian Business Number (ABN)
• Principal's details, address and phone number
• Personal and the Business finances, including after-tax income history
• Accountant or financial secretary details
• Australian driver's licence (if you have one)
• Current Westpac account and customer numbers if applicable

These are some of the key fees, limits and interest rates to know for the card:

• Annual fee - $150
• Interest rate - 20.24% pa
• Cash advance rate - 20.24% pa

The Westpac BusinessChoice Rewards Platinum credit card could be useful for businesses that use credit cards as part of their operations and want to earn Qantas points on spending.

Bring the Wise card along on your travels to save on your overseas spending

Once you’ve figured out how to best earn your Qantas points with Westpac, figure out how to spend when you’re abroad. Credit cards often have high foreign transaction fees and unfavourable exchange rates. The Wise card is a simple way to save up to 7x when you're spending internationally. You can spend in 150+ countries at mid-market rate — basically the rate you see on Google. With no foreign transaction fees and low, transparent pricing, Wise usually gives you the best value for your money.

Simply create a Wise account for free, order a card and top-up AUD to get started. Having a physical Wise card allows you to make chip and pin payments, as well as make some free ATM withdrawals each month for when you're abroad. You can get digital cards and add to your Google or Apple Pay wallet for instant use. Spend directly with the Wise account in AUD and let auto-conversion do the trick or convert in advance to your desired currency. You can hold and exchange 40+ currencies in your Wise account and spend the currencies you hold for free.

Wherever your travel takes you, the Wise card makes spending money abroad cheaper and easier.

🚀 Get your Wise card