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.
Westpac Altitude Qantas Black

- 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.
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)
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 |
Your reviews

Amy Finder
Journalist
You are about to post a question on finder.com.au:
- Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
- finder.com.au is a financial comparison and information service, not a bank or product provider
- We cannot provide you with personal advice or recommendations
- Your answer might already be waiting – check previous questions below to see if yours has already been asked
Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms Of Service and Finder Group Privacy & Cookies Policy.
This site is protected by reCAPTCHA and the Privacy Policy and Terms of Service apply.

Angus Kidman Finder
February 16, 2025
Hi Sara, It is indeed 24 months – we’ve updated the guide on that point.

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.

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!
Show more Show less

Tamanna
January 05, 2025
Will a transaction be eligible purchase if cc is used to top up a wallet in foreign currency?

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.

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?

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!
Show more Show less

gerard cassar
December 21, 2024
with a westpac black altitude card is it unlimited points earned

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.
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! :)
Show more Show less