In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
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 days
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 Altitude Westpac customers. That means anyone who has held a an Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas or Velocity in the past 24 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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Amy Finder

Journalist

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Avatar

Sara

February 14, 2025

Thanks for this useful information! Can I please confirm eligibility if possible? On Finder.com.au it states this is only available for new customers who haven’t held a card within the last 12 months – the Westpac site says 24 months. Would you be able to let me know which one is correct? Thank you! :)


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Angus Kidman Finder

February 16, 2025

Hi Sara, It is indeed 24 months – we’ve updated the guide on that point.


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Kanav

January 07, 2025

Hi.


Where does it mention on Westpac’s site that this is only available to Permanant Residents/Citizens (or a visa 457 holder).


Thanks.


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Richard Whitten Finder

January 07, 2025

Hello Kanav,


Upon closer inspection Westpac does offer this card to non-residents or migrants who hold an acceptable visa with a minimum of one year before expiry.


Source: https://www.westpac.com.au/personal-banking/credit-cards/reward/altitude-qantas-black/summary/


I will update our page. Thanks for bringing this to our attention!


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Tamanna

January 05, 2025

Will a transaction be eligible purchase if cc is used to top up a wallet in foreign currency?


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Angus Kidman Finder

January 07, 2025

Hi Tamanna, It would depend on the exact circumstances, but typically anything that might be viewed as a cash advance won’t be eligible for earning points or bonus points – and this kind of transfer could fall into that category.


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Sabrina

December 29, 2024

Am I considered a new or existing customer if I have a westpac DEBIT card? Would I still get the 90,000 reward Qantas points in that case?


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Sarah Megginson Finder

December 29, 2024

Hi Sabrina,


Yes, it’s likely you’re considered a new cardholder customer, even though you’re an existing customer with the bank. For credit cards, a new customer usually refers to someone who doesn’t currently have a credit card account with that bank as a primary card holder, so you should still be eligible for the bonus offer.


Hope this helps!


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gerard cassar

December 21, 2024

with a westpac black altitude card is it unlimited points earned


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Angus Kidman Finder

December 30, 2024

Hi Gerard, As the review notes, points are capped at $250,000 in spending – which works out to around 187,000 Qantas Points at standard earn rates.


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