Westpac Altitude Black Qantas

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

Apply for the Westpac Altitude Black - Qantas card by 24 February 2022 and boost your points balance with 90,000 bonus Qantas Points when you spend $4,000 on eligible purchases within the first 90 days. You'll earn an additional 30,000 points after the first eligible purchase has been made in the second year (120,000 bonus points total).


Bonus points

19.99% 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 rate0% p.a. for 24 months with 1% balance transfer fee
Balance transfer revert rateCash Advance Rate (21.49% p.a.)
Balance transfer limit80% of available limit
Purchase rate19.99% p.a.
Annual fee$300
Interest-free periodUp to 45 days on purchases
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


  • Up to 120,000 bonus Qantas Points offer
  • 0% balance transfer offer for 24 months
  • Complimentary insurance covers and airport lounge passes
  • Earn 0.75 Qantas Points per $1 spent


  • Charges a one-time 1% BT fee
  • Offers only up to 45 days days interest-free 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
Rewards points cap250,000
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 fee3%
Overseas cash advance fee2%
Additional cardholder fee$0
Number of additional cardholders1

Review by

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Expert review

The Westpac Altitude Black - Qantas card offers one of the biggest bonus Qantas Points promotions on the market right now. To give you an idea of your points potential, you can redeem the total 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). The spend requirement to get the bonus points is also lower than some similar offers but you do need to keep the card for over a year – and pay the second year annual fee – to collect the full amount.

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 24 February 2022, 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.
  • Balance transfer offer. Save on interest costs when you pay off your existing debt with a 0% interest on balance transfers for 24 months (with a one-time 1% balance transfer fee). Any remaining balance after the promotional period ends is subject to the cash advance rate, currently at 21.49% p.a.

Rates & fees

  • Annual fee. This card charges a $300 annual fee.
  • Purchase interest rate. The variable interest rate on purchases is 19.99% p.a.

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    Default Gravatar
    July 12, 2021

    I purchased an item online and the product was not what I ordered and faulty. The company refused to cooperate. I paid for the item with my altitude qantas black card. How do I make a warranty claim?

      Avatarfinder Customer Care
      July 14, 2021

      Hi James, it doesn’t sound like your purchase would be covered by the extended warranty insurance offered by the Altitude Black. This is for items that come with an Australian warranty and simply extends it. However, you can request a chargeback when it comes to faulty products. You need to lodge the request with Westpac directly. You’ll find everything you need in Westpac’s Guide to Chargebacks.

    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!


    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.


    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!


    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.


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