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Earn rate per $1
0.75 points 
Bonus points
80,000 pointsAnnual fee
$300p.a.
Pros
Uncapped point earning
Wide range of insurance covers
Cons
Only up to 45 days interest free
$50 Qantas Rewards fee applies if you choose to earn Qantas Points
Westpac Altitude Black Credit Card – Qantas
Earn 80,000 bonus Qantas points when you spend $3,000 on eligible purchases within 90 days of card approval. Earn up to 0.75 Qantas points per $1 spent on purchases and get a large range of benefits and rewards, there’s no doubt that the Altitude Black is an ideal high end rewards card. This card also includes 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. Offer ends 2 April 2019.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
Key features
- 80,000 bonus Qantas points when you spend $3,000 within 90 days of card approval
- $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
- Platinum concierge service
- Overseas travel insurance for trips up to 6 months
- Transit accident insurance, Extended warranty and Purchase security insurance
- Free additional card holder
100% of customers who have rated this card would recommend it
| Interest Rates | |
| Purchase rate | 20.24% p.a. |
| Cash advance rate | 20.74% p.a. |
| Interest free on purchases | up to 45 days |
| Balance Transfer | |
| Credit limits | |
| Minimum credit limit | $15,000 |
| Maximum credit limit | $75,000 |
| Fees & repayments | |
| Annual fee | $300 p.a. |
| Additional cardholder fee | $0 p.a. |
| Cash advance fee | 2% |
| Foreign transaction fee | 3% |
| Minimum repayment | 2% |
| Late payment fee | $15 |
| Credit card type | Mastercard |
| Rewards program | |
| Rewards program | Qantas Frequent Flyer |
| Bonus points | 80,000 Qantas points |
| Annual points cap | uncapped |
| Bonus points spend criteria | Spend $3,000 within first 90 days |
| Earning points with this card | |
| Qantas points | 0.75 points per $1 spent |
| Overseas earn rate | same as standard earn rate |
| Points cap per month | N/A |
| Complimentary insurance | |
| Overseas travel insurance | yes - up to 6 months |
| Flight inconvenience insurance | No |
| Transport accident cover | Yes |
| Smartphone screen insurance | No |
| Purchase protection insurance | Yes |
| Extended warranty insurance | Yes |
| Rental vehicle excess cover | No |
| Extras | |
| 2 Qantas Lounge invitations per year |
The Westpac Altitude Black Credit Card offer with 80,000 bonus Qantas Points
This current offer gives you 80,000 bonus Qantas points when you spend at least $3,000 within 90 days of card approval. 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 80,000 bonus Qantas or Altitude points offer on this card. To be eligible for the bonus points you must spend $3,000 within the first 90 days of approval. Uncapped points earning lets you earn 1.25 Altitude points per $1 or 0.75 Qantas points per $1. Choose your rewards program, either Altitude Points or Qantas points.
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 Virgin Australia, Velocity, 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 Platinum 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. Offer ends 2 April 2019.
2 questions (showing the latest 10 Q&As)
- Be over 18 years old
- Good credit and 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
Westpac Altitude Black Credit Card – Qantas
Earn 80,000 bonus Qantas points when you spend $3,000 on eligible purchases within 90 days of card approval. Earn up to 0.75 Qantas points per $1 spent on purchases and get a large range of benefits and rewards, there’s no doubt that the Altitude Black is an ideal high end rewards card. This card also includes 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. Offer ends 2 April 2019.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
Key features
- 80,000 bonus Qantas points when you spend $3,000 within 90 days of card approval
- $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
- Platinum concierge service
- Overseas travel insurance for trips up to 6 months
- Transit accident insurance, Extended warranty and Purchase security insurance
- Free additional card holder
Customer Reviews
Rates & Fees
Interest rates
Purchase rate 20.24% p.a.
Cash advance rate 20.74% p.a.
Interest free 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 & points
Rewards program
Rewards Program Qantas Frequent Flyer
Bonus points 80,000 Qantas points
Annual points cap uncapped
Bonus points spend criteria Spend $3,000 within first 90 days
Earning points with this card
Qantas 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
Overseas travel insurance yes - up to 6 months
Flight inconvenience insurance No
Transport accident cover Yes
Smartphone Screen Insurance No
Purchase protection insurance Yes
Extended warranty insurance Yes
Rental vehicle excess cover No
Extras
2 Qantas Lounge invitations per year
Our Review
Editor Review
The Westpac Altitude Black Credit Card offer with 80,000 bonus Qantas Points
This current offer gives you 80,000 bonus Qantas points when you spend at least $3,000 within 90 days of card approval. 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 80,000 bonus Qantas or Altitude points offer on this card. To be eligible for the bonus points you must spend $3,000 within the first 90 days of approval. Uncapped points earning lets you earn 1.25 Altitude points per $1 or 0.75 Qantas points per $1. Choose your rewards program, either Altitude Points or Qantas points.
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 Virgin Australia, Velocity, 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 Platinum 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. Offer ends 2 April 2019.
Pros
- 80,000 bonus Qantas points when you spend $3,000 within 90 days of card approval
- Uncapped point earning
- Wide range of insurance covers
Cons
- Only up to 45 days interest free
- $50 Qantas Rewards fee applies if you choose to earn Qantas Points
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.
Recently Asked Question
Something you need to know about this card? Ask a our credit card expert a question.
Ask a question2 questions (showing the latest 10 Q&As)
Hi ,
We are a Qantas member already, how often do we pay the $50 ?
Hi Cherie, yes this is a separate fee charged by Westpac on top of your Qantas Frequent Flyer membership. Assume its some fee that Qantas charges Westpac then they are passing it on.
Hi if I'm already a member of Qantas do I pay the $50 Qantas Rewards fee
Hi Dave, yes you still pay the Qantas fee. This is more of a Westpac fee though its likely Qantas are charging it to Westpac. Then Westpac are passing that fee on.
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Cherie
15 January 2019Roland
16 January 2019Dave
12 December 2018Roland
13 December 2018