Westpac Altitude Qantas Black

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 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.

• Residency. You must be an Australian citizen or permanent resident or hold a valid visa with at least 1 year before expiry.
• 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 credited to your account.

Card benefits

• Up to 150,000 bonus Qantas Points. When you apply for a new Westpac Altitude Qantas Black Credit Card, 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 earn an additional 60,000 points in your second year when you spend at least $6,000 on eligible purchases within 120 days of your card anniversary. 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.
• Qantas Points per $1 spent. You'll earn 1.2 points per $1 spent on international transactions and 0.8 points per $1 spent at major supermarkets, department stores, petrol stations, dining, and utilities. You'll also earn 0.5 points per $1 spent on all other eligible purchases (up to $10,000 per statement period), then 0.25 points per $1 spent thereafter. 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.

Rates & fees

• Annual fee. 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.

• 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.