American Express Westpac Altitude Black Bundle – Qantas

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Enjoy up to 100,000 bonus Qantas Points and airport lounge access with this dual-card offer.

The American Express Westpac Altitude Black Qantas credit card bundle gives you a way to earn frequent flyer points with both an American Express credit card and a Mastercard.

100,000

Bonus points

20.49% p.a.

Purchase rate

American Express: 20.24% p.a.
Mastercard: 20.49% p.a.

Up to 1.25

Reward points per $

American Express: 1.25
Mastercard: 0.75

$499 p.a.

Annual fee

Details

Product NameAmerican Express Westpac Altitude Black Bundle - Qantas
Rewards ProgramQantas Frequent Flyer
Purchase rate (p.a.)20.24% p.a. (AMEX)

20.49% p.a. (Visa/MC)
Annual fee$499 p.a.
Interest Free Period45 days
Cash advance rate (p.a.)21.49% p.a.
Min credit limit$18,000
Card TypeMastercard
American Express
Foreign Currency Conversion Fee (Visa/Mastercard)3% of transaction value
Foreign Currency Conversion Fee (American Express)3% of transaction value
Complimentary Travel InsuranceYes
Minimum Income$75,000
Minimum Age18 years of age
Available to Temporary ResidentsNo
Joint ApplicationNo

Pros

  • Up to 100,000 bonus Qantas Points (80,000 on the Mastercard and 20,000 on the Amex)
  • Earn up to 1.25 points per $1 spent on eligible purchases in Australia, uncapped.
  • Complimentary retail and travel insurance covers
  • 2 complimentary visits per year to the international Amex airport lounge in Sydney or Melbourne
  • 2 complimentary Qantas Club lounge invitations

Cons

  • Interest-free period of only up to 45 days on purchases as compared to other cards that offer up to 55 days interest-free
  • The combined annual fee of $499 is high, even compared to other black card offerings.
Rewards ProgramQantas Frequent Flyer
Bonus Points100,000 bonus points
Rewards Points per $ spent (Visa/Mastercard)0.75
Rewards Points per $ spent (AMEX)1.25
Annual fee$499 p.a.
Late Payment Fee$30
Foreign Currency Conversion Fee (American Express)3% of transaction value
Foreign Currency Conversion Fee (Visa/Mastercard)3% of transaction value
Cash Advance Fee2% or $2.50, whichever is greater
Additional Cardholder Fee$0

Expert review

Amy Bradney-George

Review by


Amy is an editor and writer at finder.com.au with more than 10 years experience covering credit cards, personal finance and various lifestyle topics. When she’s not sharing her knowledge on money matters, Amy spends her time as an actress.

Expert review

With up to 100,000 bonus Qantas Points up for grabs, the American Express Westpac Altitude Black Qantas has one of the most competitive introductory offers on the market. This premium bundle also has competitive ongoing earn rates and no points cap, offering between 0.5 and 1.25 Qantas Points per $1 spent on eligible purchases in Australia with the Amex card. The Mastercard has a more straightforward earn rate of 0.75 Qantas Points per $1 on all eligible purchases.

How to apply

If you already have a Westpac Altitude Rewards credit card, you can see if you're eligible to apply by logging into your account and checking the "offers" tab. If you're a new customer, you can apply for the Westpac Altitude Black Qantas bundle online via a secure application form.

Note that you will be given the option of Altitude Rewards or Altitude Qantas as your rewards program. Also keep in mind that you can apply for the Westpac Altitude Black Mastercard separately but you must apply for both cards if you want the American Express option. Get started by checking that you meet the following eligibility criteria and have all the relevant documents and details on hand.

Eligibility criteria

  • New customer. The bonus points offer is only available to new cardholders.
  • Residency. You must be an Australian citizen or permanent resident currently living in Australia.

Card benefits

  • Bonus Qantas Points. This bundle offers up to 100,000 Qantas Points when you apply by 31 March 2020 and meet the spend requirements for each card. With the Mastercard, you'll earn a bonus 80,000 Qantas Points when you spend $4,000 on eligible purchases in the first 90 days from account opening. You will get another 20,000 Qantas Points when you use the Amex card to make $3,000 worth of eligible purchases in the first 90 days.
  • Qantas Points per $1 spent. The American Express card offers 2 Qantas Points per $1 on eligible purchases made in a foreign currency, 1.25 Qantas Points per $1 on eligible spending in Australia and 0.5 points per $1 on eligible spending with government bodies in Australia. The Mastercard offers 0.75 Qantas Points per $1 spent on eligible purchases. Both cards have uncapped earn rates. Note that you cannot earn points for ATO payments when using the Mastercard.

Rates & fees

  • Annual fee. This bundle charges a $199 annual fee for the American Express card and a $250 annual fee for the Mastercard. There is also a $50 annual fee for choosing Qantas Rewards, which is applied to the Mastercard account. This means you'll pay a total of $499 per year for this two-card option.
  • Purchase rate. The Mastercard charges a variable purchase interest rate of 20.49% p.a. and the American Express purchase rate is 20.24% p.a.

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16 Comments

  1. Default Gravatar
    Elvira
    August 31, 2019

    Hi

    Every card talks about spending on ‘eligible purchases’. Is there a list of eligible purchases with this card?

    • Avatarfinder Customer Care
      Jeni
      August 31, 2019

      Hi Elvira,

      Thank you for getting in touch with Finder.

      With this American Express Westpac Altitude Black Bundle – Qantas credit card, eligible purchases do not include fees, cash, cash equivalent transactions, payments to the Australian Tax Office, BPAY, BPAY equivalent transaction, refunds and balance transfers debited from the card account, the rest that you pay with the card is considered as eligible purchase/spend. You may contact Westpac directly if you need further clarification on this matter.

      I hope this helps.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

  2. Default Gravatar
    Joanne
    January 17, 2019

    Can I claim the Qantas points if I have held a St George Amplify card in the last 12 months?

    • Avatarfinder Customer Care
      Val
      January 19, 2019

      Hi Joanne,

      Thank you for reaching out to finder. Yes you may claim any earned Qantas points earned from St George Amplify card.

      If you would need to find out more on how, kindly check this page for added information.

      Cheers,
      Val

  3. Default Gravatar
    Chris
    November 15, 2018

    I’m on bridging visa to (proceeding to my Partner Visa). Can I apply for this card?

    • Avatarfinder Customer Care
      Nikki
      November 15, 2018

      Hi Chris,

      Thanks for getting in touch! At this stage, the bridging visa isn’t on the acceptable visa list. We suggest to call Westpac and inform them of your partner visa number and they’d be able to give you the next steps.

      Hope this clarifies! Feel free to email back if you have any questions, we’re here!

      Cheers,
      Nikki

  4. Default Gravatar
    Liz
    October 16, 2018

    Hi,
    I have just closed my Amex card (through Amex),
    If I apply for the above offer, can I still earn the bonus points on the Amex card if I meet the criteria, even though I just closed an Amex card?
    Thanks
    Liz

    • Avatarfinder Customer Care
      Joshua
      October 22, 2018

      Hi Liz,

      Thanks for getting in touch with finder. I hope all is well with you. :)

      So long as you have not held an Altitude Westpac Platinum or Black card within the last 12 months, and you meet the criteria you may be eligible for the bonus points.

      Having a non-Westpac branded American Express will not exclude you from the current promotion.

      Please make sure though to read the eligibility criteria, features and details of the card, as well as the relevant PDS/ T&Cs of the card before making a decision and consider whether the product is right for you.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Cheers,
      Joshua

  5. Default Gravatar
    Paul
    September 19, 2018

    Thanks again Jhezelyn. I assume the same applies to cancelling the MasterCard, ie. you can cancel the MasterCard without affecting the Amex card.

    • Avatarfinder Customer Care
      Jhez
      September 19, 2018

      Hello Paul,

      Thank you for your response.

      That’s right. Still best to confirm both with Westpac as they are the issuer.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.

      Regards,
      Jhezelyn

  6. Default Gravatar
    Paul
    September 17, 2018

    If you have the bundled cards are there any limitations on, or consequences from, later cancelling one of the cards?

    • Avatarfinder Customer Care
      Jhez
      September 17, 2018

      Hello Paul,

      Thank you for your comment.

      Please note that you cannot cancel the Westpac Altitude credit card (either Mastercard/Visa) because this is where the rewards points are collected. However, Westpac confirmed that you can cancel the Amex card as this is just an optional component.

      Please contact Westpac directly for the cancellation, or contact American Express using the phone number found at the back of the Amex card.

      When cancelling a credit card, you may want to check the steps you should take before calling your bank:
      – Pay off your balance
      – Call your bank first
      – Stand firm
      – Send written notice
      – Cancel any direct debits
      – Transfer or use any remaining rewards points

      Please check out how to close and cancel your credit card account guide for more details.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.

      Regards,
      Jhezelyn

    • Default Gravatar
      Paul
      September 18, 2018

      Previously when Westpac issued both the bundled MasterCard and Amex card we needed to keep both. Now that the Amex card is issued directly by Amex I am wondering if that still applies. I assume not as the cards are no longer directly linked.

    • Avatarfinder Customer Care
      Jhez
      September 18, 2018

      Hello Paul,

      Thank you for your response.

      Since Amex card is just an optional component for this bundle, yes you can cancel it by contacting Westpac or directly contact American Express.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.

      Regards,
      Jhezelyn

  7. Default Gravatar
    Chris
    August 29, 2018

    If I have only just cancelled an American Express credit card, will I still be eligible for the American Express bonus Qantas points?

    • Default Gravatar
      Joel
      August 29, 2018

      Hi Chris,

      Thanks for leaving a question on finder.

      To be eligible for this offer you need to be a new customer which means you have not held an AMEX/Westpac credit card in the last 12 months. However, whether you’re making purchases, collecting points or paying off debt, use our credit card comparison tools to find a card that works for you by clicking HERE.

      Cheers,
      Joel

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