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120,000* Spend $4,000 within first 90 days (90,000 pts) + 30,000 pts in second year
Westpac Altitude Black Credit Card – Qantas
Westpac Altitude Black Credit Card – Qantas
1 review
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Westpac Credit Cards

Westpac Altitude Black Credit Card – Qantas

Updated 4 January 2021

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 31 March 2021

Points Earn Rate (per $1 spent)

0.75 points

Qantas

Rewards 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

  • 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

  • $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. 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.

Your 24/7 Westpac Concierge service can help you with anything from booking restaurants, securing concert tickets or planning a work event. You can make requests 24/7 over the phone. 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

Westpac Altitude Black Credit Card – Qantas ( based on 1 Creditcard.com.au user review )

88% rating based on 1 review

Rates
Fees
Rewards
Customer Service
Value

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 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.

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

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 Questions

Something you need to know about this card? Ask a our credit card expert a question.

6 questions (showing the latest 10 Q&As)

Himanshu

Himanshu

31 December 2020
Does Westpac Altitude Black card is considered as Visa or MasterCard
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    1 January 2021
    Hi Himanshu, Westpac cards are Mastercards. They switched over from Visa a little while back. Both networks I find have similar acceptance.
debbie

debbie

8 January 2020
hi, do I earn points when paying a charge on a Government website?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    8 January 2020
    Hi Debbie, no points earning on government spend with this card. Actually I am not aware of any personal Visa or Mastercard that earns points on gov spend. You would need to look at AMEX for that.
hedley

hedley

21 December 2019
I am travelling to the USA shortly and have booked my travel through flight centre flying with Qantas over and back. Am I covered with travel insurance
Marie Conway

Marie Conway

29 March 2019
Hi Roland, are Bpay payments made from the credit card regarded as cash advance or purchase and do I receive rewards points.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    29 March 2019
    Hi Marie, typically they are purchases. Though this can depend on what the bpay is. You do not receive reward points on bpay purchases.
Cherie

Cherie

15 January 2019
Hi , We are a Qantas member already, how often do we pay the $50 ?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    16 January 2019
    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.
Dave

Dave

12 December 2018
Hi if I'm already a member of Qantas do I pay the $50 Qantas Rewards fee
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    13 December 2018
    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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