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90,000 + 30,000 points after making the first eligible purchase in year 2. Conditions apply.
Westpac Altitude Black Credit Card – Qantas
Westpac Altitude Black Credit Card – Qantas

Westpac Credit Cards

Westpac Altitude Black Credit Card – Qantas

Updated 20 June 2024

Earn 90,000 bonus Qantas Points when you apply by 31 July 2024 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 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

90,000 pts

+ 30,000 points after making the first eligible purchase in year 2. Conditions apply.

Pros and cons

  • 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
  • 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

  • $75 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 $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.

In choosing this card, you will be paying a $75 Qantas Rewards fee on top of the existing credit card’s annual fee of $295. 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 $75 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 fantastic bonus points offer plus, a choice of three excellent rewards programs- Altitude, Qantas, or Velocity.

User reviews

Westpac Altitude Black Credit Card – Qantas ( based on 3 Creditcard.com.au user reviews )

29% rating based on 3 reviews

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates



Purchase rate 20.99% p.a.

Cash advance rate 21.99% p.a.

Interest free period on purchases up to 45 days

Credit limits

Minimum credit limit $15,000

Maximum credit limit $75,000

Fees & repayments

Annual fee $295 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); $40 (Westpac Flex)

Cash advance fee 3%

Late payment fee $15

Rewards and points

Rewards program

Rewards Program Qantas Frequent Flyer Qantas Frequent Flyer

Bonus points 90,000 points

Annual points cap $250,000

Bonus points spend criteria + 30,000 points after making the first eligible purchase in year 2. Conditions apply.

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 $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
  • $295 annual card fee. Plus a $75 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

  • You have permanent residency in Australia/NZ OR; You’re a non-resident or migrant and hold an acceptable Visa, with a min 1 year before expiry

  • 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 our credit card expert a question.

28 questions (showing the latest 10 Q&As)

Adam

Adam

3 March 2024
How do you receive the two complimentary Qantas Club airport lounge passes?
    Pauline - CreditCard.com.au

    Pauline

    5 March 2024
    Hi Adam, you’ll first need to register and opt in for this feature to be eligible to receive the 2 complimentary Qantas Club airport lounge passes each year. You can then view the lounge passes by logging in to the Qantas Complimentary Invitations portal by using your QFF account.
Brian

Brian

5 February 2024
Can the frequent flyer points be used with Virgin? If so what is the conversion rate
    Pauline - CreditCard.com.au

    Pauline

    6 February 2024
    Hi Brian, this particular Altitude Black card earns Qantas points, which can't be transferred to Velocity (Virgin) points. But, you could look at the Altitude Black that earns Altitude points instead, which can be converted to Velocity points (3 Altitude to 1 Velocity). I hope that helps!
Laura Pauline Grasso

Laura Pauline Grasso

16 August 2023
i have been with this card for almost a year when do i recieve the bonus 30000 points
    Pauline - CreditCard.com.au

    Pauline

    23 August 2023
    Hi Laura, you’ve actually reached Creditcard.com.au, Australia’s top credit card comparison site. Usually, bonus points are credited to your points balance within 12 weeks of meeting the spend criteria. I suggest calling Westpac directly at 1300 651 089 to check the status of your bonus points.
JASON

JASON

18 July 2023
TO GET THE TRAVEL INSURANCE COVER, HOW MUCH DO I NEED TO SPEND ON TRAVEL USING THE CARD, WILL HOTEL, CRUISE PAYMENT (NOT AIR TICKET) BE FINE? WHAT IF I SPENT THESE TRAVEL BOOKINGS PARTIALLY USING THE CARD?
    Pauline - CreditCard.com.au

    Pauline

    19 July 2023
    Hi Jason, Westpac's terms say you have to spend at least $500 on your travel expenses and hold a return ticket to be eligible. It says that $500 includes travel ticket costs, departure taxes, accommodation and other prepaid itinerary items. Check with Westpac directly about cruise travel as many don't cover it. I hope that helps Jason!
jason

jason

12 July 2023
Is there are a bonus earn on purchases from Qantas directly such as flights and hotels? Example normal purchase .75 points but Qantas website purchases 1.75 points?
    Pauline - CreditCard.com.au

    Pauline

    13 July 2023
    Hi Jason, I looked into Westpac Altitude Black Credit Card – Qantas card’s points earning and there’s no mention of any extra points. However, there are other cards like the range of Qantas Money credit cards that you can check out that lets you earn 1 bonus Qantas Point per $1 on selected Qantas products and services.
Dieter BolenskiHI ,

Dieter BolenskiHI ,

26 June 2023
i have a Black mastercard , but want a card that gives me Qantas Frequent Flyers points .i only want one card , can i just swop cards , i an paying $295 annually now
    Pauline - CreditCard.com.au

    Pauline

    27 June 2023
    Hi Dieter, if you already have the Westpac Altitude Black card, I recommend reaching out to Westpac directly to see what options they have available to you for switching to the Westpac Altitude Black Qantas card. However, this might require you to submit a new application for credit. Alternatively, you can check some of the other Qantas credit cards we’ve listed for options.
John

John

20 June 2023
Does this card earn 0.75 qantas points per $1 spent for government payments also?
Raye

Raye

16 April 2023
6 mths International travel Insurance, is that from the time of ticket purchase? I intend making two international flights in 12 mths. Would I be covered for both of these? Where can I read detail about the travel insurance cover. I am 74, would that be a problem? I have not health issues. Thanks, Raye
    Pauline - CreditCard.com.au

    Pauline

    17 April 2023
    Hi Raye, that’s a good question! The period of cover actually starts on the date when you become eligible for international travel insurance coverage. You can find more details about the eligibility requirements and period of cover on pages 20 thru 22 on Westpac’s official insurance PDS. We hope you have a relaxing and enjoyable flight!

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