Westpac Altitude Qantas Black Credit Card

Westpac Altitude Qantas Black Credit Card

Pauline Hatch

Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Ask Pauline a Question about this card.

Compare cards with the same features as Westpac Altitude Qantas Black card

---

The Westpac Altitude Qantas Black Credit Card offer with up to 150,000 bonus Qantas Points and 50 Status Credits

This current offer gives you up to 150,000 bonus Qantas Points and 50 Status Credits, a huge credit limit, complimentary travel insurance, a Complimentary Flight Delay Access Pass and Complimentary 3GB Global Data Roaming by FlexiRoam.

What we love...

Westpac gives you flexibility and choice when it comes to earning rewards, allowing you to link your Altitude Black Credit Card to one of three programs—Qantas Points, Velocity Points, or Altitude Rewards.

Qantas

If you choose to earn through the Altitude Qantas Rewards program, this offer gives you up to 150,000 bonus Qantas Points—you'll receive 90,000 bonus Qantas Points in year 1 when you spend $6,000+ on eligible purchases within the first 90 days of approval, plus an additional 60,000 bonus Qantas Points when you spend $6,000 or more on eligible purchases within 90 days of your card anniversary in year 2.

The bonus offer isn’t available if you currently hold, or have held in the last 24 months, an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card.

The card’s earn rates are competitive:

After $10,000 spend in a statement period, the earn rate drops to 0.25 Qantas Points per $1 for additional purchases.

To access the Qantas Points option, there’s a $155 annual Altitude Qantas Rewards Program fee in addition to the card’s $295 annual fee. Existing Westpac customers who sign in to apply can get a discounted $200 first-year fee (reverts to $295 p.a. thereafter); this discount is not available to new customers. In return, you'll enjoy premium perks such as two complimentary Qantas Club lounge passes each year, a Complimentary Flight Delay Access Pass, Complimentary 3GB Global Data Roaming by FlexiRoam, Complimentary International Medical Travel Insurance, Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia, subject to eligibility, limits and exclusions, and a 24/7 Westpac Concierge service to help with dining, travel, and entertainment arrangements.

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...

While this card comes with premium features, there are a few drawbacks to consider. There’s a $155 annual Altitude Qantas Rewards Program fee each year. It’s a small extra cost, but one to keep in mind since it comes on top of the annual card fee. For regular Qantas flyers it’s probably worth it—but if you’re not flying often, you might prefer to skip that option.

Also, after you spend $10,000 in a statement period, your points earning slows down to 0.25 Qantas Points per $1. That means if you tend to put a lot of purchases on your card each month, your rewards won’t grow as quickly once you pass that limit. Still, if you keep your spending in check, you’ll get great value from all the other perks this card offers.

The purchase rate is 23.98% p.a., which can quickly erode the value of your points if you’re paying interest each month.

Why should you choose this card?

The Westpac Altitude Qantas Black Credit Card is designed for frequent travellers and high-spending cardholders who value premium rewards, flexibility, and top-tier benefits. It earns Qantas Points directly into your Qantas Frequent Flyer account. Westpac also offers Altitude Rewards and Altitude Velocity versions of this card as separate products.

Your 24/7 Westpac Concierge service can help you with anything from booking restaurants to securing concert tickets or planning a work event. You can make requests 24/7 over the phone. You also get Complimentary International Medical Travel Insurance for trips up to 3 months, Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia. International cover requires activation before departure; eligibility, limits and exclusions apply.

Overall Rating

A premium rewards credit card offering up to 150,000 bonus Qantas Points and 50 Status Credits, complimentary lounge passes and insurances, a Flight Delay Access Pass and 3GB Global Data Roaming, and a choice of three rewards programs—Altitude, Qantas, or Velocity. It’s a top choice for those who want premium features, strong earning potential, and flexibility in how they redeem rewards.