Westpac Altitude Black Qantas – Details and Application

Earn 80,000 bonus Qantas Points, receive two complimentary lounge passes per year, plus, complimentary insurance covers.

The Westpac Altitude Black is a credit card packed with rewards, allowing you to earn Qantas Points on everyday purchases and get 80,000 bonus points when you meet the spend criteria. In addition to the Qantas Points, you will receive two yearly Qantas Club lounge invitations, complimentary travel insurance covers and premium travel benefits.

Product NameWestpac Altitude Black - Qantas
Rewards ProgramQantas Frequent Flyer
Purchase rate (p.a.)20.24% p.a.
Offer end date2 June 2019
Annual fee$300 p.a.
Interest Free Period
The interest-free period is the maximum number of days during which interest is not charged on new purchases. This only applies if you pay your closing balance in full by the statement due date.
Up to 45 days on purchases
Cash advance rate (p.a.)20.74% p.a.
Min credit limit
This is the lowest credit limit you can be granted. It is possible to request a higher credit limit but not a lower one than this figure.
Max credit limit
This is the maximum credit limit available on this card and you can apply for increases after the account has been opened. This credit limit may not be issued to you immediately upon application.
Card TypeMastercard
Foreign Currency Conversion Fee (MC)
Charged when you make a transaction that is converted by Mastercard from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3% of transaction value
Complimentary Travel InsuranceYes
Minimum Income$75,000
Minimum Age18 years of age
Available To Temporary ResidentsYes - Conditions apply
Joint ApplicationNo
Annual fee$300 p.a.
Minimum Monthly Repayment2% or $10, whichever is greater
Late Payment Fee$15
Foreign Currency Conversion Fee (MC)
Charged when you make a transaction that is converted by Mastercard from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3% of transaction value
Cash Advance Fee2% of the value of the transaction or minimum charge of $2.50
Overseas Cash Advance Fee2%
Gambling Transactions AllowedYes
Additional Cardholder Fee$0
Number of Additional Cardholders1


  • Receive 80,000 bonus Qantas Points when you spend $3,000 on eligible purchases with a new Altitude Black credit card within 90 days from card approval.
  • Earn 0.75 Qantas Points per $1 spent.


  • There is an interest-free period of only up to 45 days on purchases as compared to other cards that offer up to 55 days interest-free.
  • This card charges a relatively high annual fee of $300 (includes $50 Qantas Rewards fee).
Rewards ProgramQantas Frequent Flyer
Bonus Points80,000 bonus points
Rewards Points per $ spent (VISA/MC)0.75
Rewards Points per $ (VISA/MC) CapUncapped

Benefits of using the Westpac Altitude Black - Qantas credit card

  • 80,000 bonus Qantas Points. When you apply for a Westpac Altitude Black credit card by 2 June 2019, are approved, and spend at least $3,000 on eligible purchases within 90 days from card approval, you will receive 80,000 bonus Qantas Points.
  • Qantas Frequent Flyer Points. This Mastercard will earn you 0.75 points per $1 spent in Australia and with overseas merchants. You can redeem your rewards for flights with Qantas and its airline partners as well as products from the Qantas store. In order to earn Qantas Points, you will need to pay a $50 yearly fee.
  • Complimentary insurance. The Altitude Black - Qantas comes with a range of complimentary insurances including overseas travel insurance, transit accident insurance, purchase security insurance and extended warranty insurance.
  • Westpac Concierge. The Westpac Concierge is available to you 24/7. The concierge can assist you in booking restaurants and fulfilling any requests you may have. You can also access the Black Card Concierge App to help make your life easier.
  • Qantas Club Lounge invitations. You can enjoy two Qantas Club lounge invitations per year. To be eligible, you must register and then use your Altitude Black Card in Australia to purchase selected Qantas products and services directly with Qantas.
  • Altitude Black Travel Service. This service can help reduce the stress of organising a holiday by helping you plan every step of the journey. Their experts can also help you to redeem your points for travel rewards.
  • Altitude Black Personal Shopper. If you don’t have the time to do your own shopping, a personal shopper can assist you with your shopping needs and finding the right gift for someone special. The personal shopper is purely online and can help you spend your points the right way.
  • Mobile wallet. If you link your card with Samsung Pay or Google Pay, you can use your eligible smartphone or smartwatch to make contactless mobile payments at the checkout.

Features of the Westpac Altitude Black - Qantas

  • Annual fee. The standard annual fee for using this card is $250.
  • Purchase interest rate. The variable interest rate on purchases is 20.24% p.a.
  • Cash advances. If you use the card to make a cash advance (such as an ATM withdrawal), you'll immediately attract the 20.74% p.a. interest rate (variable). You'll also be charged the cash advance fee of 2% of the value of the transaction or minimum charge of $2.50.
  • Interest-free period. The Westpac Altitude Black - Qantas offers up to 45 days interest-free on purchases when you pay your balance in full by the statement due date.

How to apply for the Westpac Altitude Black - Qantas

Applying for a Westpac Altitude Black - Qantas card is simple and can be done by completing the online form. Before you begin your application, it’s important that you meet the following eligibility requirements and have the necessary documents handy:

Eligibility criteria

  • You must be at least 18 years of age.
  • You must earn at least $75,000 annually.
  • You must be a permanent Australian resident or Australian citizen.
  • You must have a good credit rating.

Required documents

  • Proof of identification such as Australian driver's licence, Medicare card or Australian passport
  • Employment details like your employment status and your employer’s name, phone number and address
  • Details about your income and expenditure (which includes details of all existing debts)

The Westpac Altitude Black credit card offers a host of attractive rewards and benefits. However, make sure to compare a range of cards to find the one that’s right for you.

Frequently asked questions

Please see the responses below to some popular questions. If you still have any questions please send us a message via the 'Ask a Question' box at the bottom.

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10 Responses

  1. Default Gravatar
    C2COctober 18, 2018

    Can we cancel the credit card after a year?

    • finder Customer Care
      CharisseOctober 19, 2018Staff

      Hi C2C,

      Thanks for reaching out to finder.

      There is no specific information on Westpac’s T&C about any required duration of holding the card prior to cancellation but generally, you can cancel credit cards at anytime. Please note though, that there will be no refund for any annual fee paid at the start of the year.

      You can contact Westpac directly if you need further information on this. I hope this helps.


  2. Default Gravatar
    StuartApril 4, 2018

    What is classified as eligible purchases to meet the $5000

    • finder Customer Care
      NikkiApril 4, 2018Staff

      Hi Stuart!

      Thanks for your message and for visiting finder – the leading comparison website & general information service built to give you advice in your buying decision needs. How are you doing today?

      Eligible purchases are purchases made on the card but do not include fees, cash, cash equivalent transactions, BPAY, BPAY equivalent transaction, refunds and balance transfers debited from the card account.

      Hope this helps!


  3. Default Gravatar
    sheriMarch 14, 2018

    balance transfer rates?

    • finder Customer Care
      LouMarch 15, 2018Staff

      Hi Sheri,

      Thanks for your question.

      On the terms and conditions of this card, balance transfer is listed under cash advance with a rate of 20.74% p.a.

      I hope this helps.


  4. Default Gravatar
    AlisonSeptember 26, 2017


    We already have Altitude Black cards – how do we register for airport lounge passes, and where can we find out about the travel insurance it provides?

    Many thanks,

    • Default Gravatar
      LiezlSeptember 27, 2017

      Hi Alison,

      Thanks for your questions.

      In order to receive the two annual lounge passes, you’ll have to enrol in the Priority Pass program. As for the complimentary Qantas Club Lounge invitations, you must first register and then use your Altitude Black Card in Australia to purchase selected Qantas products and services directly with Qantas.

      For ease of reference, I have emailed you the registration links as well as Westpac’s complimentary travel insurance policy. Meanwhile, you may refer to our abridged complimentary insurance guide on this page.


  5. Default Gravatar
    September 21, 2017

    Is there a balance transfer option?

    • Default Gravatar
      JonathanSeptember 21, 2017

      Hello m,

      Thank you for your inquiry.

      At the present, there is no balance transfer promotion available for this card. You can check this page instead to see the active promotions we have.

      Please be reminded to review the requirements and the transfer terms prior application. You may click “Go to Site” green button of your chosen card to proceed.

      Hope this helps.


Credit Cards Comparison

Rates last updated April 19th, 2019
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee Product Description
Citi Clear Platinum Credit Card
12.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a long-term balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks.
Virgin Australia Velocity Flyer Card - Annual Fee Offer
20.74% p.a.
0% p.a. for 18 months
$50 p.a.
Earn 20,000 bonus Velocity Points and save with an ongoing $50 p.a. annual fee. Plus, receive a $129 Virgin Australia Gift Voucher each year.
Latitude Low Rate Mastercard
11.99% p.a.
$69 p.a.
Offers a competitively low interest rate and annual fee, plus up to 55 interest-free days on purchases.

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* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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