In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
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Westpac Altitude Qantas Black
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Terms and conditions apply
Bonus points
120,000
Purchase rate
20.99% p.a.
Reward points per $ spent
0.75
Annual fee
$370 p.a.

Our verdict

Offers up to 120,000 bonus Qantas Points, complimentary insurances and 2 yearly lounge passes.

The Westpac Altitude Qantas Black Credit Card is a top-tier frequent flyer credit card that currently has one of the biggest bonus point offers on the market. If you apply as a new customer by 30 April 2025, you’ll get 90,000 bonus Qantas Points when you spend $6,000 on eligible purchases in the first 120 days. And an additional 30,000 points after the first eligible purchase has been made in the second year (120,000 bonus points total). That’s enough for a return economy flight from Sydney to London (110,400 Qantas Points plus fees and taxes), or a one-way business class flight from Melbourne to Los Angeles (108,400 points plus fees and taxes). But keep in mind that you would have to pay the combined $370 annual fee and rewards fee twice to get all the points. But if you are already banking with Westpac, you can benefit from a discounted annual fee of $225 (including the $75 rewards fee) in the first year.

Pros

  • Up to 120,000 bonus Qantas Points
  • Complimentary insurance covers and airport lounge passes
  • 0.75 Qantas Points per $1 spent
  • $225 (includes $75 Qantas Rewards fee) first-year annual fee for existing customers

Cons

  • Offers only up to 45 days interest-free on purchases, as compared to other cards that offer up to 55 days
  • Charges a relatively high annual fee of $370 p.a (includes $75 Qantas Rewards fee)

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question

The Westpac Altitude Qantas Black currently has a big bonus points offer and relatively competitive rate of points per $1 when compared to similar frequent flyer credit cards. It also offers complimentary overseas travel insurance, 2 Qantas Club lounge invitations each year, airport lounge passes and other insurance covers. When you're comparing this card to others, remember to weigh the potential value of the points and other perks against the yearly cost to decide if it's right for you.

Details

Product details

Product Name Westpac Altitude Qantas Black
Purchase rate p.a.
Purchase rate p.a.
20.99%
Interest-free period
Up to 45 days on purchases
Cash advance rate p.a. 21.99%
Min credit limit $15,000
Max credit limit $75,000
Card type Mastercard

Eligibility

Available to temporary residents Yes - Conditions apply
Minimum income $75,000
Joint application No

Rewards

Rewards program Qantas Frequent Flyer
Bonus points 120,000
Rewards points per $ spent 0.75
Rewards points cap 250,000

Fees

Annual fee
Annual fee
$370
Minimum monthly repayment 2% of the closing balance or $10, whichever is greater
Late payment fee $15
Foreign currency conversion fee
Foreign currency conversion fee
3%
Cash advance fee 3%
Additional cardholder fee $0
Number of additional cardholders 1

How to apply

You can apply for the Westpac Altitude Qantas Black card by completing a secure application on the bank's website. Before you start, make sure you meet the eligibility requirements and have the necessary information to complete the application.

Eligibility criteria

  • New cardholder. This bonus points offer is only available to new Westpac customers. That means anyone who has held a Westpac Altitude Classic, Altitude Platinum, Altitude Black or any Westpac Earth card in the past 12 months won't be eligible.
  • Minimum income. You must earn at least $75,000 annually.

Card benefits

  • Up to 120,000 bonus Qantas Points. When you apply for a new Westpac Altitude Qantas Black Credit Card by 30 April 2025, select Qantas Frequent Flyer as your rewards program and spend at least $6,000 on eligible purchases in the first 120 days from card approval, you will get 90,000 bonus Qantas Points. You'll get another 30,000 points after making your first eligible purchase in the second year. Your points will be added to your account within 12 weeks after you've met the spend requirement.
  • Discounted first-year annual fee for existing customers. Existing Westpac customers will receive a discounted annual fee of $225 (including a $75 rewards fee) in the first year, which reverts to $370 p.a. thereafter.

Rates & fees

  • Annual fee. Outside of any promotions, the Westpac Altitude Qantas Black Credit Card has a $370 yearly account cost, which is made up of a $295 annual fee and $75 yearly rewards fee for choosing to earn Qantas Points.
  • Purchase interest rate. The 20.99% p.a. variable purchase rate on this card is around the average rate for credit cards in Australia.

Your reviews

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Ask a question

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Amy Finder

Editor

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Avatar

Eric K

October 25, 2024

Hi, if I was to apply for this card prior to the 30th October but am not approved until after this date, will I still receive the bonus Qantas points (after meeting the requirements)?


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Angus Kidman Finder

October 27, 2024

Hi Eric, To qualify for the bonus points offer, you would need to be approved by 30 October.


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stewart

August 24, 2024

Will paying an invoice for work carried out be classed as an eligible purchase?


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Richard Whitten Finder

September 17, 2024

Hey Stewart,


Westpac defines eligible purchases here. https://www.westpac.com.au/faq/spend-and-save-eligible-purchase/


Couldn’t find a clear answer for your situation and I guess it depends how the invoice is paid. If it’s BPAY or direct debit then no.


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Craig

July 23, 2024

Can I use this card for my mortgage payments?


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Sarah Megginson Finder

July 26, 2024

Hi Craig,


To use this card to make mortgage payments, you will need to withdraw the money as a cash advance. This means you’ll be paying interest on the money (20%+) from the day you withdraw it, so it’s quite an expensive way to pay your mortgage.


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denis

June 13, 2024

do i earn Qantas points on BPay payments


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Sarah Megginson Finder

June 15, 2024

No, with this card, you will not earn points on interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, BPAY or Post Billpay, refunds and balance transfers debited from the card account.


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Mick

May 06, 2024

Hi I see your points are only accumulated on what you call approved purchases. I cant find any information on what you deem an approved purchase. Where can I find that information? Thanks


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Angus Kidman Finder

September 23, 2024

Hi Mick, As the review notes, transactions that won’t earn points include “ATM withdrawals, cash advances, BPAY payments and balance transfers”. Most cards also don’t allow points to be earned on gambling transactions or government payments.


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