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Westpac Altitude Black Qantas

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Earn up to 120,000 bonus Qantas Points and take advantage of luxury travel and shopping perks with the Westpac Altitude Black.

You can use this card to earn Qantas Points on your purchases and to take advantage of yearly airport lounge invitations, complimentary travel insurance and personalised services.


Bonus points

20.49% p.a.

Purchase rate


Reward points

Per $ spent

$300 p.a.

Annual fee

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Product NameWestpac Altitude Black - Qantas
Rewards programQantas Frequent Flyer
Balance transfer rate6.99% p.a. for 12 months
Balance transfer revert rateCash Advance Rate (21.49% p.a.)
Balance transfer limit80% of available limit
Purchase rate20.49% p.a.
Annual fee$300
Interest-free period45 days
Cash advance rate21.49% p.a.
Min credit limit$15,000
Max credit limit$75,000
Card typeMastercard
Foreign currency conversion fee3%
Minimum income$75,000
Available to temporary residentsYes - Conditions apply
Joint applicationNo


  • Receive up to 120,000 bonus Qantas Points when you meet the spend requirement
  • Earn 0.75 Qantas Points per $1 spent


  • Interest-free period of only up to 45 days on purchases as compared to other cards that offer up to 55 days
  • Charges a relatively high annual fee of $300 (includes $50 Qantas Rewards fee)
Rewards programQantas Frequent Flyer
Bonus points120,000
Rewards points per $ spent0.75
Annual fee$300
Minimum monthly repayment2% of the closing balance or $10, whichever is greater
Late payment fee$15
Foreign currency conversion fee3%
Cash advance fee2% or $2.50, whichever is greater
Overseas cash advance fee2%
Additional cardholder fee$0
Number of additional cardholders1

Expert review

Sally McMullen

Review by

Sally McMullen is a creative content producer at Finder, co-hosts our Pocket Money podcast and wrote about credit cards for almost five years. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone. She has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

Expert review

The Westpac Altitude Black - Qantas card offers one of the biggest bonus Qantas Points promotions. You can redeem 120,000 Qantas Points to fly return from Brisbane to Christchurch or Auckland in business (both 83,000 Qantas Points) or one way from Sydney to London in premium economy (96,300 Qantas Points).

How to apply

You can apply for the Westpac Altitude Black - Qantas card online and receive a response in 60 seconds. Before you start, make sure you meet the eligibility requirements and have the necessary information to complete the application.

Eligibility criteria

  • Minimum income. You must earn at least $75,000 annually.
  • Residency. You must be an Australian citizen or permanent resident.

Card benefits

  • Up to 120,000 bonus Qantas Points. When you apply for a Westpac Altitude Black Credit Card by 11 November 2020, are approved, and reach a minimum spend of $4,000 on eligible purchases within 90 days from card approval, you will receive 90,000 bonus Qantas Points. Plus, 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.
  • Earn Qantas Frequent Flyer Points. You'll earn 0.75 points per $1 spent in Australia and with overseas merchants. You can redeem your points for flights with Qantas and its airline partners as well as products from the Qantas store.

Rates & fees

  • Annual fee. This card charges a $300 annual fee.
  • Purchase interest rate. The variable interest rate on purchases is 20.49% p.a.

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  1. Default Gravatar
    July 18, 2019

    I had a Westpac Low Interest card and went to a branch and changed it for a Westpac Altitude Black card. I am a Qantas Frequent Flyer.
    Should I get the 80,000 Qantas points they advertise for swapping to this new card?

    • Avatarfinder Customer Care
      July 19, 2019

      Hi Bruce,

      Thank you for getting in touch with Finder.

      As per the “Things you should know” part of this card’s application page, so long that you do not currently hold or haven’t held any of Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Platinum or Altitude Black credit card in the last 12 months, then you may be eligible for the bonus rewards points.

      I hope this helps.

      Thank you and have a wonderful day!


  2. Default Gravatar
    October 18, 2018

    Can we cancel the credit card after a year?

    • Avatarfinder Customer Care
      October 19, 2018

      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.


  3. Default Gravatar
    April 4, 2018

    What is classified as eligible purchases to meet the $5000

    • Default Gravatar
      April 4, 2018

      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!


  4. Default Gravatar
    March 14, 2018

    balance transfer rates?

    • Avatarfinder Customer Care
      March 15, 2018

      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.


  5. Default Gravatar
    September 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
      September 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.


  6. Default Gravatar
    September 21, 2017

    Is there a balance transfer option?

    • Default Gravatar
      September 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.


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