- 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
- 0% p.a. for 24 months on balance transfers. A 1% balance transfer fee applies. Reverts to cash advance rate.
- Earn 0.75 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
- Discounted annual fee of $150 in the first year. Available to existing Westpac customers when you apply and are approved for a new card by 30 June 2022
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Westpac Credit Cards
Westpac Altitude Black Credit Card – Qantas
Updated 1 August 2022
Earn 90,000 bonus Qantas Points when you apply by 31 December 2022 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 0% p.a. for 24 months on balance transfers and a range of complimentary insurances to keep you covered when you shop and travel. T&Cs apply.
Points Earn Rate (per $1 spent)
0.75 points
Qantas Points are capped at $250,000 per year. Bonus Qantas Points excluded in the cap.
Rewards Program
Qantas Frequent Flyer
Bonus Points
Up to 120k pts
Spend $6,000 within first 120 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
Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Ask Pauline 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, a huge credit limit and complimentary insurance.
What we love...
Westpac offers its credit card facilities with so much flexibility by providing options in earning points through different rewards programs. As such, Westpac Altitude Black Credit Card allows you to choose among Altitude Points, Velocity Points and Qantas Points.
QantasIf you choose to earn and redeem points through the Altitude Qantas Rewards program, you can't go past the 120,000 bonus Qantas points offered on this card. To be eligible for the bonus points you must spend $6,000 within the first 120 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. Qantas Points are capped at $250,000 per year. Bonus Qantas Points excluded in the cap.
As a new cardholder, you can also take advantage of the 0% p.a. introductory balance transfer offer and enjoy 24 months with no credit card interest. This gives you an opportunity to save on interest when paying off a big purchase or existing credit card debts. See to it though that you clear off your transferred balance within the introductory period to get the most out of your balance transfer offer.
In choosing this card, you will be paying a $50 Qantas Rewards fee on top of the existing credit card’s annual fee of $250. It will be worth it as you are eligible for two complimentary Qantas Club airport lounge passes each year, complimentary retail and travel insurances and a lot more extras.
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...
This card charges a $50 Qantas Rewards fee when you choose to earn Qantas points. Also, the earn per $1 spent is not that great. An annual Qantas Points cap of $250,000 will apply. Bonus Qantas Points are not included in the cap, though.
Why should you choose this card?
The Westpac Altitude Black 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, 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 with a fantastic bonus points offer and intro balance transfer offer. Plus, a choice of three excellent rewards programs- Altitude, Qantas, or Velocity.
User reviews
Rates and fees
Interest rates
Purchase rate 19.99% p.a.
Cash advance rate 21.49% p.a.
Interest free period on purchases up to 45 days
Balance transfer
Balance transfer rate 0% p.a. for 24 months
Balance transfer revert rate 21.49% p.a.
Balance transfer from personal loan No
Balance transfer fee 1% one off
Balance transfer limit 80% of approved credit limit
Brands you can't balance transfer from Westpac
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.
Foreign transaction fee 3%
Minimum repayment 2% or $10 whichever is greater (personal); 3% or $10 whichever is greater (business)
Cash advance fee 3%
Late payment fee $15
Rewards and points
Rewards program
Rewards Program 
Qantas Frequent Flyer
Bonus points Up to 120k points
Annual points cap $250,000
Bonus points spend criteria Spend $6,000 within first 120 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 Qantas Points are capped at $250,000 per year. Bonus Qantas Points excluded in the cap.
Overseas earn rate same as standard earn rate
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
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 0.75 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
- 0% p.a. for 24 months on balance transfers. A 1% balance transfer fee applies. Reverts to cash advance rate.
- $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
- Discounted annual fee of $150 in the first year. Available to existing Westpac customers when you apply and are approved for a new card by 30 June 2022
Minimum criteria to apply for this card
-
Be over 18 years old
-
Good Credit and have not applied for multiple credit cards recently
-
Australian citizens, permanent residents or holders of an acceptable visa
-
Minimum income of $75,000 p.a.
You have your personal details ready to complete the online application
Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger
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