Westpac Altitude Black Qantas – Details and Application

Earn 80,000 bonus Qantas Points when you reach a minimum spend of $3,000 on eligible purchases.

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 yearly airport lounge invitations, complimentary travel insurance and hotel and travel benefits.

Product NameWestpac Altitude Black - Qantas
Rewards ProgramQantas Frequent Flyer
Purchase rate (p.a.)20.24% p.a.
Offer end date2 April 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 card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
$15,000
Max credit limit
This credit limit may not be issued to you immediately upon application. This is the maximum credit limit available on this card and you can apply for increases after the account has been opened.
$75,000
Card TypeMastercard
Foreign Currency Conversion Fee (MC)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, 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)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, 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

Pros

  • 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.

Cons

  • 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 April 2019, are approved, and reach a minimum spend of $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.
  • Starwood Preferred Guest Gold Membership. With the Altitude Black Card, you will be fast tracked to Preferred Guest Gold Membership status with Starwood Hotels and Resorts. Gold Membership can include better rooms, 4pm late checkout and additional Starpoints reward points when you stay with Starwood.
  • 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.

Features of the Westpac Altitude Black - Qantas

  • Annual fee. The standard annual fee for using this card is $250.
  • Interest rate. The variable interest rate on purchases and cash advances is 20.24% p.a.
  • 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. This gives you plenty of time to avoid paying interest if you are able to pay off your balance.
  • Card security. The Altitude Black is a secure card with an embedded microchip. The credit card also has Cardshield and you can register with Mastercard Secure Code. All of these features help stop fraudulent activity and purchases on your credit card. In addition to this, there is a Fraud Money Back Guarantee where you will be reimbursed for fraudulent transactions.
  • Samsung Pay functionality. If you link your card with Samsung Pay, you can use your Samsung device to make contactless mobile payments at the checkout.

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 application 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.

      Cheers,
      Charisse

  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!

      Cheers,
      Nikki

  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.

      Cheers,
      Anndy

  4. Default Gravatar
    AlisonSeptember 26, 2017

    Hi,

    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,
    Alison

    • 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.

      Cheers,
      Liezl

  5. Default Gravatar
    September 21, 2017

    Hi,
    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.

      Cheers,
      Jonathan

Credit Cards Comparison

Rates last updated December 13th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Low Fee Platinum Card - Exclusive Offer
19.74% p.a.
0% p.a. for 25 months
$90 p.a.
finder Exclusive: Take advantage of 0% p.a. interest for 25 months on balance transfers with no balance transfer fee. Ends 16 December 2018
More info
Suncorp Clear Options Platinum Credit Card - Online Offer
20.74% p.a.
0% p.a. for 18 months
$49 p.a. annual fee for the first year ($129 p.a. thereafter)
Save with a 0% balance transfer offer and earn up to 60,000 Bonus Rewards Points. Plus, a discounted first year annual fee when you apply online.
American Express Westpac Altitude Platinum Bundle - Qantas
20.24% p.a.
$50 p.a. annual fee for the first year ($249 p.a. thereafter)
Up to 75,000 bonus Qantas Points when you meet the criteria with this dual Visa (issued & serviced by Westpac) & Amex (issued & serviced by Amex).
NAB Qantas Rewards Signature Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$295 p.a. annual fee for the first year ($395 p.a. thereafter)
Collect 90,000 bonus Qantas Points when you spend $4,000 within 60 days of account opening. Plus, a $295 annual fee in the first year.

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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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