Westpac Altitude Qantas Black

• Residency. You must be an Australian citizen or permanent resident.
• Credit history. You must have a good credit score to apply.
• Age. You must be at least 18 years old to apply.
• Existing customers. You must be an existing Westpac customer to be eligible for the discounted first-year annual fee offer.

Required documents

• Personal information. This includes your full name, date of birth, number of dependents and contact details. You also need to provide a valid form of ID, such as your Australian driver's licence, Medicare card or Australian passport.
• Employment details. This covers your employment status, salary and your employer's contact details. You'll also need to provide recent payslips or bank statements and your most recent ATO tax assessment notice if you're self-employed.
• Finances. Includes any other sources of income, along with existing loans, credit cards and other financial liabilities. You also need to provide an estimate of your share of spending on household essentials.
• Frequent flyer number. You'll need to include your Qantas Frequent Flyer number so your points can be debited to your account.

• Qantas Points per $1 spent. You'll earn 0.75 Qantas Points per $1 on eligible spending, up to a maximum of $250,000 per year. Bonus Qantas Points are not included in this cap. Eligible transactions include most of your everyday shopping at retail stores, cafes and petrol stations. Transactions that won't earn points include ATM withdrawals, cash advances, BPAY payments and balance transfers.
• Complimentary insurance. The Westpac Altitude Qantas Black gives you access to complimentary insurance covers including overseas travel insurance, transit accident insurance, purchase security insurance and extended warranty insurance.
• Westpac Concierge. The 24/7 Westpac Concierge service can help you with anything from booking restaurants, securing concert tickets or planning an event. You can make requests over the phone by calling 1300 651 999.
• Qantas Club Lounge invitations. You'll get 2 complimentary Qantas Club lounge invitations per year with this card. To be eligible, you must register and then use your Westpac Altitude Qantas Black Card in Australia to purchase selected Qantas products and services directly with Qantas. You'll receive your invitations within 14 days of meeting the eligible spend. The features will vary between lounges, but you can usually look forward to complimentary bar service, fresh snacks and beverages as well as high speed Wi-Fi.
• Mobile wallet. If you link your card with Apple Pay, Samsung Pay or Google Pay, you can use your eligible smartphone or smartwatch to make contactless mobile payments at the checkout. You can also use your fitness tracker via Garmin Pay and Fitbit Pay.
• Card security. This card is protected by CardShield to help guard your card from fraudulent activity online or in person. You can also shop online with peace of mind thanks to the online transaction security guarantee. The 24/7 Fraud Protection system monitors every card transaction and informs Westpac if any suspicious activity is spotted. Your card is also protected with an embedded microchip.

• Cash advances. If you use this card to withdraw cash or for any other cash advances, you'll be charged a cash advance fee of 3% of each cash advance amount and the 21.99% p.a. cash advance interest rate. And cash advances are not eligible for any interest-free period.
• Interest-free period. This card offers up to 45 days interest-free on new purchases when you pay the monthly payment balance listed on your statement in full by the payment due date. Note that these interest-free days are separate from any longer-term interest rate promotions and the monthly payment balance excludes current balance transfers.