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Westpac Altitude Black Credit Card – Qantas

1 review

Apply by 2 April 2019

points over 12 months Calculate your savings icon

Earn rate per $1

0.75 points
16.77% Complete (success)
Qantas Frequent Flyer

Bonus points

80,000 points
80,000% Complete (success)

Annual fee

$300
p.a.
300% Complete (success)

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

  • 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.

    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
    • Rates
      90%
    • Fees
      76%
    • Rewards
      93%
    • Customer Service
      91%
    • Value
      0%
    100% of customers who have rated this card would recommend it
    Overall customer rating 88%
    1 reviews
    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 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)

    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.
    • 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
    Westpac Altitude Black Credit Card – Qantas

    Westpac Credit Cards

    Westpac Altitude Black Credit Card – Qantas

    14 March 2019

    Apply by 2 April 2019

    Points Earn Rate (per $1 spent)

    0.75

    points

    Qantas

    Rewards Program

    Qantas Frequent Flyer

    Bonus Points

    80,000 pts

    Spend $3,000 within first 90 days

    0 points over 12 months spend

    My monthly card spend

    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.

    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

    Westpac Altitude Black Credit Card – Qantas

    88% rating based on 1 review

    Rates
    Fees
    Rewards
    Customer Service
    Value

    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 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 pointsQantas points 0.75 points per $1 spent

    Points cap per month N/A

    Overseas earn rateOverseas 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

    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.

    2 questions (showing the latest 10 Q&As)

    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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