- Up to 150,000 bonus Qantas Points—90k points in year 1 when you spend $6,000 within 90 days of card approval + 60k points in year 2 if you spend $6,000 within 90 days of your card anniversary. T&Cs apply. Not available if you currently hold, or have held in the last 24 months, an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card.
- Earn 1.5 Qantas Points per $1 on international spend, 0.8 on everyday spend and 0.4 on all other eligible purchases, plus up to 1 bonus point per $1 on selected Qantas products and services
- 2 complimentary Qantas Lounge invitations per year
- 24/7 personal concierge services
- Complimentary International and Domestic Travel Insurance
- Free additional card holder
- $200 first-year card fee for existing Westpac customers ($295 thereafter)
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Westpac Credit Cards
Westpac Altitude Qantas Black Credit Card
Updated 30 September 2026
Earn up to 150,000 bonus Qantas Points—90,000 Qantas Points in year 1 when you spend $6,000 on eligible purchases within 90 days of card approval. Plus, an additional 60,000 bonus Qantas Points in year 2 if you spend $6,000 on eligible purchases within 90 days of your card anniversary. Enjoy a range of complimentary insurances to keep you covered when you shop and travel. A $155 annual Altitude Qantas Rewards Program fee applies on top of the $295 card fee. T&Cs apply.
Points Earn Rate (per $1 spent)
0.8 points
capped at $10,000, 0.25 Qantas points per $1 on further eligible purchases
Rewards Program
Qantas Frequent Flyer
Bonus Points
Up to 150,000 pts
90k points in year 1 if you spend $6k+ on eligible purchases within 90 days of new card approval + 60k points in year 2 if you spend $6k+ within 90 days of your card anniversary. T&Cs apply.
Pros and cons
- $155 annual Altitude Qantas Rewards Program fee on top of the $295 card fee
Creditcard.com.au review
Editor Review
Westpac Altitude Qantas Black Credit Card
Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Ask Pauline a Question about this card.
ℹ️ Westpac Upcoming Change
From 1 October 2026, complimentary insurance on this card will cover International Medical Travel Insurance, Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia. Extended warranty, purchase protection and overseas transit accident cover will no longer be included.
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The Westpac Altitude Qantas Black Credit Card offer with up to 150,000 bonus Qantas Points
This current offer gives you up to 150,000 bonus Qantas points, a huge credit limit, and complimentary insurance.
What we love...
Westpac gives you flexibility and choice when it comes to earning rewards, allowing you to link your Altitude Black Credit Card to one of three programs—Qantas Points, Velocity Points, or Altitude Rewards.
QantasIf you choose to earn through the Altitude Qantas Rewards program, this offer gives you up to 150,000 bonus Qantas Points—you'll receive 90,000 bonus Qantas Points in year 1 when you spend $6,000+ on eligible purchases within the first 90 days of approval, plus an additional 60,000 bonus Qantas Points when you again spend $6,000+ on eligible purchases in the second year your card remains active.
The bonus offer isn’t available if you currently hold, or have held in the last 24 months, an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card.
The card’s earn rates are competitive:
- 1.5 Qantas Points per $1 on international spend
- 0.8 Qantas Points per $1 on everyday spend
- 0.4 Qantas Points per $1 on all other purchases
- Earn Qantas Points twice with program partners
After $10,000 spend in a statement period, the earn rate drops to 0.25 Qantas Points per $1 for additional purchases.
To access the Qantas Points option, there’s a $155 annual Altitude Qantas Rewards Program fee in addition to the card’s $295 annual fee. Existing Westpac customers who sign in to apply can get a discounted $200 first-year fee (reverts to $295 p.a. thereafter); this discount is not available to new customers. In return, you’ll enjoy premium perks such as two complimentary Qantas Club lounge passes each year, complimentary travel and purchase insurance, and a 24/7 Westpac Concierge service to help with dining, travel, and entertainment arrangements.
Here we are talking about the Altitude Qantas program, and if you are interested in earning Westpac Altitude Rewards points, have a look here.
What’s not so great...
While this card comes with premium features, there are a few drawbacks to consider. There’s a $155 annual Altitude Qantas Rewards Program fee each year. It’s a small extra cost, but one to keep in mind since it comes on top of the annual card fee. For regular Qantas flyers it’s probably worth it—but if you’re not flying often, you might prefer to skip that option.
Also, after you spend $10,000 in a statement period, your points earning slows down to 0.25 Qantas Points per $1. That means if you tend to put a lot of purchases on your card each month, your rewards won’t grow as quickly once you pass that limit. Still, if you keep your spending in check, you’ll get great value from all the other perks this card offers.
The purchase rate is 23.98% p.a., which can quickly erode the value of your points if you’re paying interest each month.
Why should you choose this card?
The Westpac Altitude Qantas Black Credit Card is designed for frequent travellers and high-spending cardholders who value premium rewards, flexibility, and top-tier benefits. It earns Qantas Points directly into your Qantas Frequent Flyer account. Westpac also offers Altitude Rewards and Altitude Velocity versions of this card as separate products.
Your 24/7 Westpac Concierge service can help you with anything from booking restaurants to securing concert tickets or planning a work event. You can make requests 24/7 over the phone. You also get complimentary insurances like overseas travel insurance for up to 6 months, transit accident insurance, and extended warranty.
Overall Rating
A premium rewards credit card offering up to 150,000 bonus Qantas Points, complimentary lounge passes and insurances, and a choice of three rewards programs—Altitude, Qantas, or Velocity. It’s a top choice for those who want premium features, strong earning potential, and flexibility in how they redeem rewards.
User reviews
Rates and fees
Interest rates
Purchase rate 23.98% p.a.
Cash advance rate 23.99% p.a.
Interest free period on purchases up to 45 days
Credit limits
Minimum credit limit $6,000
Maximum credit limit $75,000
Fees & repayments
Annual fee $295 p.a.
Additional cardholder fee $0 p.a.
Foreign transaction fee 3%
Minimum repayment 2% or $10 whichever is greater (personal); 3% or $10 whichever is greater (business); $40 (Westpac Flex)
Cash advance fee 3.5% (personal cards) ; 3% (business cards)
Late payment fee $20
Rewards and points
Rewards program
Rewards Program
Qantas Frequent Flyer
Bonus points Up to 150,000 points
Annual points cap uncapped
Bonus points spend criteria 90k points in year 1 if you spend $6k+ on eligible purchases within 90 days of new card approval + 60k points in year 2 if you spend $6k+ within 90 days of your card anniversary. T&Cs apply.
Earning points with this card
Qantas Rewards points 0.8 points per $1 spent
Points cap per month capped at $10,000, 0.25 Qantas points per $1 on further eligible purchases
Overseas earn rate 1.5 points per $1 spent
Additional features
Complimentary insurance
International Travel Insurance Yes - up to 6 months
Flight Inconvenience Insurance Yes
Transit Accident Insurance Yes
Smartphone Screen Insurance No
Purchase Protection Insurance Yes
Extended Warranty Insurance Yes
Rental Vehicle Excess In Australia Insurance Yes
Extras
Travel insurance underwritten by Allianz Australia Insurance Limited
2 Qantas Lounge invitations per year
Overview
Westpac Altitude Qantas Black Credit Card
Disclaimer: The interest free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement (not the full closing balance) by the relevant payment due date.
Earn 0.8 Qantas Points per $1 up to a maximum of $250,000 spent on eligible purchases annually. Bonus Qantas Points not included in the cap.
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Key features
- Up to 150,000 bonus Qantas Points—90k points in year 1 when you spend $6,000 within 90 days of card approval + 60k points in year 2 if you spend $6,000 within 90 days of your card anniversary. T&Cs apply. Not available if you currently hold, or have held in the last 24 months, an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card.
- $295 annual card fee. Plus a $155 annual Altitude Qantas Rewards Program fee
- Earn 1.5 Qantas Points per $1 on international spend, 0.8 on everyday spend and 0.4 on all other eligible purchases, plus up to 1 bonus point per $1 on selected Qantas products and services
- 2 complimentary Qantas Lounge invitations per year after your first Altitude Black Card spend on selected Qantas products and services
- 24/7 personal concierge services
- Overseas travel insurance for trips up to 6 months
- Transit accident insurance, Extended warranty and Purchase security insurance
- Free additional card holder
Minimum criteria to apply for this card
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Be over 18 years old
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Good Credit and have not applied for multiple credit cards recently
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Australian or New Zealand citizen, Australian permanent resident, or temporary residence visa holder with at least 1 year before expiry. Must live at a fixed Australian address and receive a regular, verifiable Australian taxable income.
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Minimum income of $75,000 p.a.
You have your personal details ready to complete the online application
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