- 90,000 bonus Qantas Points when you spend $4,000 within 90 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 0.75 Qantas points per $1 spent on eligible purchases
- 2 complimentary Qantas Lounge invitations per year
- 24/7 personal concierge services
- Overseas travel insurance for trips up to 6 months
- Free additional card holder
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ANZ Frequent Flyer Black Credit Card
100,000 bonus Qantas Points + $150 back
*Min. spend criteria. T&Cs apply.
Westpac Credit Cards
Westpac Altitude Black Credit Card – Qantas
Updated 15 June 2020
Earn 90,000 bonus Qantas Points when you spend $4,000 on eligible purchases within 90 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. Earn 0.75 Qantas points per $1 spent on purchases. Two complimentary airport lounge visits each year, a range of complimentary insurances including overseas travel, extended warranty and transit accident insurance. $75,000 Minimum Income Required to Apply.
T&Cs apply. Offer ends 5 August 2020
Points Earn Rate (per $1 spent)
0.75 points
QantasRewards Program
Qantas Frequent Flyer
Bonus Points
120,000* pts
Spend $4,000 within first 90 days (90,000 pts) + 30,000 pts in second year
Pros and cons
- $50 Qantas Rewards fee
Creditcard.com.au review
Editor Review
Westpac Altitude Black Credit Card – Qantas
Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. Ask Roland a Question about this 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. Premium rewards credit card from Westpac with huge credit limit and complimentary insurances. Definitely a great offer on a truly premium rewards card for big spenders.
What we love...
You can't go past the 120,000 bonus Qantas points offer on this card. To be eligible for the bonus points you must spend $4,000 within the first 90 days of approval to get 90,000 bonus Qantas Points 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. Uncapped points earning lets you earn 0.75 Qantas points per $1. Choose your rewards program: Altitude Rewards or Altitude Qantas
The annual fee is $250 and you get one free additional card holder. Plus a $50 Qantas Rewards fee when you choose to earn Qantas points.
When you opt in for Qantas Rewards, membership to Qantas Frequent Flyer is free and you are eligible for two complimentary Qantas Lounge invitations per year after your first Altitude Black Card spend on selected Qantas products and services.
What’s not so great...
While the earn rate is uncapped, the earn per $1 spent is not great.
Why should you choose this card?
The Westpac Altitude Black features uncapped points earning with a choice of two excellent rewards programs, Altitude or Qantas. 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.
When you need help with restaurant bookings, flights, party planning and tickets to events you have access to a concierge service 24/7 via app. Complimentary insurances like Overseas travel insurance for up to 6 months, transit accident insurance and extended warranty.
Overall Rating
A premium rewards credit card with uncapped points earn, fantastic bonus points offer and choice of two excellent rewards programs, Altitude and Qantas.
User reviews
Rates and fees
Interest rates
Purchase rate 20.49% p.a.
Cash advance rate 21.49% p.a.
Interest free period on purchases up to 45 days
Credit limits
Minimum credit limt $15,000
Maximum credit limit $75,000
Fees & repayments
Annual fee $300 p.a.
Additional card holder fee $0 p.a.
Foreign transaction fee 3%
Minimum repayment 2%
Cash advance fee 2%
Late payment fee $15
Rewards and points
Rewards program
Rewards Program 
Qantas Frequent Flyer
Bonus points 120,000* points
Annual points cap uncapped
Bonus points spend criteria Spend $4,000 within first 90 days (90,000 pts) + 30,000 pts in second year
Earning points with this card
Qantas Rewards points 0.75 points per $1 spent
Points cap per month N/A
Overseas earn rate same as standard earn rate
Additional features
Complimentary insurance
International Travel Insurance Yes - up to 6 months
Flight Inconvenience Insurance No
Transit Accident Insurance Yes
Smartphone Screen Insurance No
Purchase Protection Insurance Yes
Extended Warranty Insurance Yes
Rental Vehicle Excess In Australia Insurance No
Extras
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 of account (not the full closing balance) by the relevant payment due date.
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 $4,000 within 90 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
- $250 annual card fee. Plus a $50 Qantas Rewards fee
- Earn 0.75 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
Resident or citizen of Australia. Temporary residents are eligible.
Minimum income of $75,000 p.a.
You have your personal details ready to complete the online application
Roland B Bleyer founded Creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.
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