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Up to 120k 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

Westpac Credit Cards

Westpac Altitude Black Credit Card – Qantas

Updated 1 January 2022

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 24 months on balance transfers and a range of complimentary insurances to keep you covered when you shop and travel.

T&Cs apply. Offer ends 24 February 2022

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 $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
  • 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
  • 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

Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt 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.

Qantas

If 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 $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. 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

Westpac Altitude Black Credit Card – Qantas ( based on 2 Creditcard.com.au user reviews )

44% rating based on 2 reviews

Rates
Fees
Rewards
Customer Service
Value

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

Banks 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

Cash advance fee 3%

Late payment fee $15

Rewards and points

Rewards program

Rewards Program Qantas Frequent Flyer Qantas Frequent Flyer

Bonus points Up to 120k points

Annual points cap $250,000

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 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.

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 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

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

Pauline

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

Recently Asked Questions

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

10 questions (showing the latest 10 Q&As)

Thiru

Thiru

6 September 2021
Hi, I currently have a Westpac Black Altitude card. I have a few questions: 1. Am I eligible to change this card to a Westpac Altitude Black credit card - Qantas? 2. If eligible, will I still retain the Altitude points that I have already or can it be converted to Qantas Frequent Flyer points? 3. I already have a Qantas Ffrequent Flyer membership for Woolworths. Do I have to pay $50 for the Qantas Frequent flyer membership? Thank you.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    7 September 2021
    Hi Thiru, you can’t change to a Westpac Altitude Black credit card - Qantas.This will require a separate application and credit assessment. Please note though that those who have or have held in the previous 12 months an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card, are not eligible for their bonus points offer. You’ll get to keep all your Altitude points, but they aren’t able to be directly transferred into Qantas Points. You can only transfer them to Singapore Airlines KrisFlyer, Cathay Pacific Asia Miles, Malaysia Airlines Enrich or Air New Zealand Airpoints. You could try transferring them into Cathay Pacific or Malaysia and then back into Qantas points, but you may burn a few in the process. In regards to Qantas if you already have a membership this fee will be waived.
Alind Kumar

Alind Kumar

1 August 2021
Westpac Altitude Black Credit Card I have questions
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    2 August 2021
    Hi Alind, great! Let us know how we can be of service by replying to this comment,
Ingmar Bulk

Ingmar Bulk

4 May 2021
Hello, I am looking for a suitable Qantas Frequent Flyer points card with the possibility to receive points even if I use bank transfers or Bpay. Does that exist? Thank you Ingmar
GS

GS

19 March 2021
What purchases are NOT eligible for points? Is the Business Services MCC included?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    22 March 2021
    Hi GS, the following purchases do not earn points on the Westpac Altitude Black - Qantas card: interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account. So some transactions under the Business Services MCC would be excluded (like gambling), but most would be eligible (includiding car washes and transactions and golf courses). I hope that helps.
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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