- 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
- 0% p.a. for 18 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
- Overseas travel insurance for trips up to 6 months
- Free additional card holder
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ANZ Frequent Flyer Black Credit Card
120,000 Bonus Qantas Points + $200 back*
*T&Cs apply. Two Qantas Club lounge invitations per year. $425 annual fee
Westpac Credit Cards
Westpac Altitude Black Credit Card – Qantas
Updated 2 September 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. This premium rewards card also offers 0% p.a. for 18 months on balance transfers and a range of complimentary insurances to keep you covered when you shop and travel.
T&Cs apply. Offer ends 30 November 2021
Points Earn Rate (per $1 spent)
0.75 points
QantasRewards 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
- $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. Ask Roland 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...
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
As a new cardholder, you can also take advantage of the 0% p.a. introductory balance transfer offer and enjoy 18 months with no credit card interest. This gives you an opportunity to save on interest when paying off a big purchase or existing credit cards 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.
The annual fee is $250 and you get one free additional card holder. With Qantas Rewards, Qantas Frequent Flyer membership is free and you're 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. This card also charges a $50 Qantas Rewards fee when you choose to earn Qantas points.
Why should you choose this card?
The Westpac Altitude Black features uncapped 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 uncapped points, 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 20.49% p.a.
Cash advance rate 21.49% p.a.
Interest free period on purchases up to 45 days
Credit limits
Minimum credit limit $15,000
Maximum credit limit N/A
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
Cash advance fee 2% or $2.50, whichever is greater
Late payment fee $15
Rewards and points
Rewards program
Rewards Program 
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 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.
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 $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
- 0% p.a. for 18 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
Minimum criteria to apply for this card
-
Be over 18 years old
-
Good Credit and have not applied for multiple credit cards recently
-
Australian citizen or have a permanent residency visa
-
Minimum income of $75,000 p.a.
You have your personal details ready to complete the online application
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.
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