Altitude Qantas Platinum

 General Lending Rates

• Lending Rate Type: Cash Advance
• Interest Rate: 21.99%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

 Product Features

• Additional Cards Additional Information: Earn points faster by adding one additional cardholder (16 years or older) at no extra cost.

• Interest Free

• Digital Wallet Additional Information: Tap and pay quickly and easily using Garmin Pay.

• Digital Wallet Additional Information: Tap and pay quickly and easily using Apple Pay.

• Digital Wallet Additional Information: Tap and pay quickly and easily using Google Pay.

• Digital Wallet Additional Information: Tap and pay quickly and easily using Samsung Pay.

• Other Additional Information: Click to Pay - Online shopping made quick, simple and secure with Click to Pay.

• Digital Banking Additional Information: Digital Card - Unlock extra protection using the dynamic CVC on your digital Westpac debit or credit card. Add it to your digital wallet or use it

• Notifications

• Loyalty Program Additional Information: 0.35 Qantas points per $1 spend on all other purchases. Once you spend $5,000 in a statement cycle, you will earn 0.2 Qantas points per $1 on further eligible purchases. New cards only. Refer to standard rates and fees.

• Loyalty Program Additional Information: 0.5 Qantas points per $1 on everyday spend. Once you spend $5,000 in a statement cycle, you will earn 0.2 Qantas points per $1 on further eligible purchases. New cards only. Refer to standard rates and fees.

• Loyalty Program Additional Information: 0.75 Qantas points per $1 on international spend. Once you spend $5,000 in a statement cycle, you will earn 0.2 Qantas points per $1 on further eligible purchases. New cards only. Refer to standard rates and fees.

• Insurance Additional Information: Complimentary cover for Interstate Flight Inconvenience Insurance and Rental Vehicle Excess in Australia cover. Up to 3 months? complimentary cover for international travel insurance, plus extended warranty, purchase protection for up to 4 months and overseas transit accident insurance. Subject to the terms and conditions set out in the Westpac Credit Cards Complimentary Insurance Policy.

• Extra Repayments Additional Information: The product includes extra repayments

• Instalment Plan Additional Information: Use our SmartPlan repayment planner to break large purchases or balances down into regular instalments while keeping interest-free days.

• Other Additional Information: Westpac PartPay: Split purchases into 4 payments with PartPay. T&Cs applies.

• Fraud Protection Additional Information: Westpac Fraud Money Back Guarantee ensures that any unauthorised transaction claims will be reimbursed provided that the cardholder has not contributed to the loss and contacted us promptly.

• Bonus Rewards Additional Information: Earn 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.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. New cards only. T&Cs apply.

• Other Additional Information: Minimum repayments : 2% of the closing balance outstanding, or $10; whichever is greater. If the closing balance is less than $10, it must be paid in full.

• Other Additional Information: You can use your Card to make a Purchase or a Cash Advance or carry out a Balance Transfer from another Credit Card. You can use your Card in many places in Australia and around the world. Look for the Visa and Mastercard signs that match those shown on your Card. If your Card is accepted by a Merchant, branch or ATM provider you can use it to: Pay for Purchases, through payment terminals, e.g. at a shop, etc. online, within a mobile app, by telephone, through mail order Withdraw Cash, at an ATM, at a Bank branch.

• Other Additional Information: Recurring payments - You may authorise a Merchant to charge recurring payments to your Card automatically without requesting your authorisation on each occasion.

• Other Additional Information: Confirming and authorising transactions : There are a number of ways you may be able to confirm a transaction. These include: signing your name. Holding your Card in front of a contactless payment device. Entering your PIN. Entering your Card details and any other information required.

• Other Additional Information: Gambling blocks : If you wish to limit access to gambling services through the Card Account, please call us or log into your online banking and activate gambling block in the Card Services menu.

• Other Additional Information: Statements : We will issue a statement for the Card Account to you every month unless the account has a balance of $10 or less and there has been no account activity in that month. You can choose to receive statements by mail or electronically.

• Other Additional Information: Want to bank with layers of defence? Explore the features of our everyday banking accounts. Start your banking today to find out how the Westpac Digital card with dynamic CVC can help protect you.

• Other Additional Information: Tracking your points balance: Your Card statement will show for the period covered - your Altitude Qantas Points balance, including Points earned

• Other Additional Information: Make shopping and ordering online even more safe and secure with Westpac My Merchants. Westpac My Merchants lets you shop and order online without needing to share your card details, because your card number is replaced with a unique identification code called a 'digital token'. This digital token, which won't contain your personal information and is used by the merchant instead of your card number, helping protect you online.

• Loyalty Program Additional Information: Explore ShopBack offers from the Westpac app, or earn bonus Cashback when you shop via the Westpac Lounge on ShopBack. Terms & Conditions applies.

• Loyalty Program Additional Information: Helpful cashback offers with Westpac Extras - Enjoy cashback to your account on eligible transactions from well-known and loved brands ? from department stores and supermarkets to petrol stations, travel partners and more. Subject to Terms & Conditions, eligibility criteria applies

• Other Additional Information: Customers can access their eligible Westpac cards and Apple?s ID&V security features within Apple Wallet. T&Cs apply.

 Product Eligibility

• Min Age - 18. Additional Information: 18+ years old

• Residency Status - Those Having Permanent Residency In Australia/nz Or Being A Non-resident Or Migrant And Hold An Acceptable Visa, With A Minimum 1 Year Before Expiry.

• Min Income - 30000.00. Additional Information: Earn a minimum $30,000 per annum

• Other Additional Information: Customer having a regular, verifiable Australian taxable income.

• Other Additional Information: Customer having a fixed, verifiable residential address in Australia.

 Bank Fees and Charges

• Annual Card Fee (Periodic), Amount: 175.00. Additional Information: $175 plus a separate $75 Qantas Rewards Fee, charged annually (applicable only when the Altitude Qantas rewards program is selected)

• Foreign Transaction Fee (Transaction), Amount: Not Listed.. Additional Information: Payable as a percentage of the Australian dollar value of any foreign transaction. Applies for transactions in a foreign currency, or in Australian dollars but processed by an overseas merchant or financial institution. Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia.

• Cash Advance Fee (Transaction), Amount: Not Listed..

• Missed Payment Fee (Event), Amount: 20.00. Additional Information: $20 each statement cycle that the minimum monthly payment is not paid by the statement due date.

• Overlimit Fee (Event), Amount: 0.00. Additional Information: $15.00 once per statement period if your credit card account was opened before 4 June 2012. No overlimit fee will be charged for personal credit card accounts opened on or after 4 June 2012.

• Annual Rewards Program Fee (Periodic), Amount: 75.00. Additional Information: Applies annually for customers who choose to earn Qantas Points through the Altitude Qantas rewards program.

 Limitations & Restrictions (Constraints)

• Min Limit of 3000.00

• Max Limit of 50000.00

 Document Downloads

  wbc-consumer-credit-card-comp-insurance-allianz.pdf (899 K)