- 90,000 bonus Qantas Points when you spend $6,000 within 120 days of card approval plus an additional 30,000 bonus Qantas Points after making the first eligible purchase in the second year of your card account being active.
- Earn 0.8 Qantas points per $1 spent on eligible purchases*
- 2 complimentary Qantas Lounge invitations per year
- 24/7 personal concierge services
- Complimentary International and Domestic Travel Insurance (including COVID-19 coverage effective 30 June 2022, T&Cs apply)
- Free additional card holder
Hi, I’m a personal finance expert who loves to help you out! I’ll answer your question within a business day. Pinky swear.
Westpac Credit Cards
Westpac Altitude Black Credit Card – Qantas
Updated 7 October 2025
Earn 90,000 bonus Qantas Points when you apply and spend $6,000 on eligible purchases within 120 days of card approval. Plus, get an additional 30,000 bonus Qantas Points after making the first eligible purchase in the second year of your card account being active. This premium rewards card also offers a range of complimentary insurances to keep you covered when you shop and travel. 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
90,000 pts
+ 30,000 points after making the first eligible purchase in year 2. Conditions apply.
Pros and cons
- $75 Qantas Rewards fee
Creditcard.com.au review
Editor Review
Westpac Altitude Black Credit Card – Qantas
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.
Compare cards with the same features as Westpac Altitude Black - Qantas card
 |
 |
 |
The Westpac Altitude Black Credit Card offer with up to 120,000 bonus Qantas Points
This current offer gives you up to 120,000 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 120,000 bonus Qantas Points—you'll receive 90,000 bonus Qantas Points when you spend $6,000 on eligible purchases within the first 120 days of approval, plus an additional 30,000 bonus Qantas Points after making your first eligible purchase in the second year your card remains active.
Qantas Points are capped at $250,000 per year, excluding bonus points. The card’s earn rates are competitive:
- 1.2 Qantas Points per $1 on international spend
- 0.8 Qantas Points per $1 on everyday spend
- 0.5 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 $75 Qantas Rewards fee in addition to the card’s $295 annual fee, which is reduced to $150 in the first year for 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 $75 Qantas Rewards fee each year if you choose to earn Qantas Points. 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.
Why should you choose this card?
The Westpac Altitude Black Credit Card is designed for frequent travellers and high-spending cardholders who value premium rewards, flexibility, and top-tier benefits. It features points earning with a choice of three excellent rewards programs - Altitude, Qantas, or Velocity.
With Altitude Rewards you can redeem points for homewares, technology, and much more. And you can transfer your points to frequent flyer points with Singapore Airlines - KrisFlyer, Malaysia Airlines - Enrich, Air New Zealand - Airpoints, and Cathay Pacific - AsiaMiles.
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 120,000 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 20.99% p.a.
Cash advance rate 21.99% 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%
Late payment fee $15
Rewards and points
Rewards program
Rewards Program
Qantas Frequent Flyer
Bonus points 90,000 points
Annual points cap $250,000
Bonus points spend criteria + 30,000 points after making the first eligible purchase in year 2. Conditions 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 1.2 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 Black Credit Card – Qantas
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.
>Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
Key features
- 90,000 bonus Qantas Points when you spend $6,000 within 120 days of card approval plus an additional 30,000 bonus Qantas Points after making the first eligible purchase in the second year of your card account being active.
- $295 annual card fee. Plus a $75 Qantas Rewards fee
- Earn 0.8 Qantas points per $1 spent on eligible purchases*
- 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
-
Be over 18 years old
-
Good Credit and have not applied for multiple credit cards recently
-
You have permanent residency in Australia/NZ OR; You’re a non-resident or migrant and hold an acceptable Visa, with a min 1 year before expiry
-
Minimum income of $75,000 p.a.
You have your personal details ready to complete the online application
Adam
3 March 2024Pauline
5 March 2024Brian
5 February 2024Pauline
6 February 2024Laura Pauline Grasso
16 August 2023Pauline
23 August 2023JASON
18 July 2023Pauline
19 July 2023jason
12 July 2023Pauline
13 July 2023Dieter BolenskiHI ,
26 June 2023Pauline
27 June 2023John
20 June 2023Pauline
21 June 2023Raye
16 April 2023Pauline
17 April 2023