Westpac Altitude Black Qantas credit card review | Finder

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.

Apply for the Westpac Altitude Black - Qantas card by 07 September 2021 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).

120,000

Bonus points

20.49% p.a.

Purchase rate

0.75

Reward points

Per $ spent

$300 p.a.

Annual fee

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Details

Product NameWestpac Altitude Black - Qantas
Rewards programQantas Frequent Flyer
Balance transfer rate0% p.a. for 18 months with 1% balance transfer fee
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 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

Pros

  • Up to 120,000 bonus Qantas Points offer
  • 0% balance transfer offer for 18 months
  • Complimentary insurance covers and airport lounge passes
  • Uncapped rewards points

Cons

  • 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
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

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Review by


Sally McMullen is a creative content producer at Finder. Sally has written about credit cards for almost 5 years, authoring almost 900 articles on Finder alone. She has also been published in Yahoo Finance, Dynamic Business, Financy and Mamamia, as well as Music Feeds and Rolling Stone. Sally 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 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 07 September 2021, 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 18 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 20.49% p.a.

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12 Comments

    Default Gravatar
    Bruce
    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
      Jeni
      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!

      Cheers,
      Jeni

    Default Gravatar
    C2C
    October 18, 2018

    Can we cancel the credit card after a year?

      Avatarfinder Customer Care
      Charisse
      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.

      Cheers,
      Charisse

    Default Gravatar
    Stuart
    April 4, 2018

    What is classified as eligible purchases to meet the $5000

      Default Gravatar
      Nikki
      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!

      Cheers,
      Nikki

    Default Gravatar
    sheri
    March 14, 2018

    balance transfer rates?

      Avatarfinder Customer Care
      Dee
      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.

      Cheers,
      Anndy

    Default Gravatar
    Alison
    September 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
      Liezl
      September 27, 2017

      Hi Alison,

      Thanks for your questions.

      In order to receive the two annual lounge passes, you’ll have to enroll 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 for more details.

      Cheers,
      Liezl

    Default Gravatar
    m
    September 21, 2017

    Hi,
    Is there a balance transfer option?

      Default Gravatar
      Jonathan
      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 visit our list of balance transfer credit cards to see the active promotions we have.

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

      Hope this helps.

      Cheers,
      Jonathan

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