Westpac Altitude Qantas Black Card
Earn 0.75 Qantas Points per $1 spent and receive two Qantas Club lounge invitations per year plus complimentary insurances.
- Signup bonus
- Up to 120,000 bonus Qantas Points, receive 90,000 Qantas Points when you spend $6,000 or more on eligible purchases within 120 days of approval and an additional 30,000 Qantas Points after your first eligible purchase in your second year
- Points Earned
- Earn 0.75 Qantas Points per $1 up to a maximum of $250,000 spent on eligible purchases annually. Bonus Qantas Points not included in the cap
- Annual fee
- $295 p.a. plus $75 annual Rewards fee if you choose to earn Qantas Points
Australian Frequent Flyer is currently not accepting applications for this card offer.
Get notified when it’s live.
Why we like the Westpac Altitude Qantas Black card
The Westpac Altitude Qantas Black is a great mid-tier credit card in Australia for those who want to earn Qantas Points!
For every $1 of eligible spend, you’ll earn 0.75 Qantas Points, capped at $250,000 annually.
Cardholders also receive two single-entry Qantas Club lounge invitations per year, plus complimentary overseas travel insurance, purchase protection insurance and extended warranty on purchases.
Key Information & How to Apply
Key facts about this card
- Card type
- Mastercard
- Signup bonus
- Up to 120,000 bonus Qantas Points, receive 90,000 Qantas Points when you spend $6,000 or more on eligible purchases within 120 days of approval and an additional 30,000 Qantas Points after your first eligible purchase in your second year
- Annual fee
- $295 p.a. plus $75 annual Rewards fee if you choose to earn Qantas Points
- Interest rate
- 20.99% p.a.
- Minimum credit limit
- No minimum credit limit specified
- Minimum income requirement
- $75,000 p.a. (recommended)
- International transaction fee
- 3%
To apply for this card, you will need
- To be an Australian citizen, resident or long-term visa holder aged 18 or over
- $75,000 p.a. (recommended)
- No history of bad debt or payment default
- Your Australian driver’s licence number and proof of income
- 10-15 minutes to complete your application
Australian Frequent Flyer is currently not accepting applications for this card offer.
Get notified when it’s live.
Sign-up bonus
Earn up to 120,000 bonus Qantas Points when you apply for the Westpac Altitude Qantas Black credit card!
The bonus is split into two parts. The first 90,000 Qantas Points will be awarded after you spend $6,000 or more on eligible purchases within the first 120 days of approval. You’ll receive an additional 30,000 bonus Qantas Points after your first eligible purchase in your second year of holding the Westpac Altitude Qantas Black card.
This offer is not available to existing customers who hold a Westpac Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas or Velocity, or if you’ve held any of these cards in the last 12 months.
Wondering how far 120,000 Qantas Points can take you? As an example, you could fly one-way from Sydney, Melbourne or Brisbane to Los Angeles in Qantas Business Class for 108,400 Qantas Points + taxes & carrier charges. You could even indulge in the ultimate luxury from Singapore-Melbourne one-way in Emirates First Class for 107,700 Qantas Points + taxes & carrier charges.
Travel benefits
Enjoy an elevated travel experience with the Westpac Altitude Qantas Black. Here’s what to expect…
Lounge passes
The Westpac Altitude Qantas Black credit card includes two Qantas Club lounge invitations per year.
The single-entry Qantas Club lounge invitations are redeemable at any domestic Qantas Club lounge in Australia, or select Qantas-operated International Business Lounges. If you travel with Qantas or Jetstar and don’t have lounge access through status, a Business Class ticket or a Qantas Club membership, then the Qantas Club invitations may be beneficial to you. These lounge invitations are transferable to other Qantas Frequent Flyer members, so you can bring a friend or family member into the lounge before your flight (or treat yourself twice!)
Complimentary travel insurance
Westpac Altitude Qantas Black cardholders receive a range of insurances, including international travel insurance underwritten by Allianz. To be eligible for the complimentary international travel insurance, you must meet all of the following criteria:
- Reside in Australia,
- Begin and end your journey in Australia,
- Spend at least $500 on prepaid travel costs on your Westpac Altitude Qantas Black credit card before leaving Australia,
- Have a return overseas travel ticket before leaving Australia, and
- Be under 81 years of age at the time you’re eligible for insurance and meet the conditions above.
Ensure you read the PDS here before using the complimentary travel insurance on your Westpac Altitude Qantas Black card.
Personal concierge service
Westpac Altitude Qantas Black cardholders can access an exclusive Personal Concierge Service. This 24/7 service allows you to book experiences online, including tickets to concerts and events, restaurant reservations and more.
Earning points
With the Westpac Altitude Qantas Black credit card, you’ll earn Qantas Frequent Flyer points at a rate of 0.75 points per $1 spent on eligible transactions, excluding government payments. The full points-earning rate is capped at $250,000 annually, and bonus Qantas Points are not included in the cap.
Additionally, for every $1 spent on selected Qantas products and services in Australia, you’ll earn one bonus Qantas Point. This means you can earn bonus points when booking Qantas flights directly through Qantas or purchasing or renewing a Qantas Club membership.
If there is no activity on your Qantas account at least once every 18 months, then your Qantas Points will expire. For those who don’t fly often, having a credit card that earns Qantas Points may be a good way to keep your account active and prevent points from expiring.
Earning points for ATO & government payments
You won’t earn any Qantas Points on direct payments to the Australian Tax Office (ATO), or other Australian government bodies.
But you can use your Westpac Altitude Qantas Black credit card with a payment service such as Pay.com.au. This allows you to pay taxes and other bills to collect Qantas Points from your card.
Using Qantas Points
Qantas Points are best redeemed for flights – especially in premium cabins – and flight upgrades. But that’s not all they can be used for. You could also use Qantas Points to pay for hotels, car rentals, or even book a cruise!
You’re not limited to just Qantas flights, either. Qantas Points can be redeemed for flights with airlines that are part of the Oneworld alliance. Fly across an extensive network with Japan Airlines, Alaska Airlines, British Airways, Cathay Pacific, Finnair, American Airlines and more. It’s also possible to fly around the world with Qantas Points!
There are also a number of Qantas partner airlines that aren’t part of the Oneworld alliance. You could also redeem your Qantas Points to fly with China Airlines, IndiGo, Emirates, LATAM, Fiji Airways, KLM and more.
Prefer to redeem your Qantas Points on the ground? Take your pick from movie tickets, gift cards, items from the Qantas Store, or even a case of wine from Qantas Wine!
Learn more about how and where to redeem your Qantas Points in our overview of Qantas Frequent Flyer redemptions.
Summary
Pros
- Two single-entry Qantas Club lounge invitations per year
- Complimentary international and domestic travel insurance, purchase protection insurance and extended warranty insurance
- Compatible with Apple Pay, Google Pay and Samsung Pay
Cons
- Overseas transaction fees apply
- High annual fee
- Full points-earning rate capped at $250,000 annually
- High interest rate on purchases (this is a potential issue if you think you’ll be unable to repay your balance in full each month)
- Signup bonus
- Up to 120,000 bonus Qantas Points, receive 90,000 Qantas Points when you spend $6,000 or more on eligible purchases within 120 days of approval and an additional 30,000 Qantas Points after your first eligible purchase in your second year
- Points Earned
- Earn 0.75 Qantas Points per $1 up to a maximum of $250,000 spent on eligible purchases annually. Bonus Qantas Points not included in the cap
- Annual fee
- $295 p.a. plus $75 annual Rewards fee if you choose to earn Qantas Points
Australian Frequent Flyer is currently not accepting applications for this card offer.
Get notified when it’s live.
Frequently Asked Questions (FAQs)
To apply for a Westpac Altitude Qantas Black credit card, you would need to be aged 18 or over and an Australian citizen, permanent resident or long-term visa holder. You’ll also need a residential address in Australia and a verifiable Australian taxable income.
The minimum credit limit is $15,000.
As long as there is activity on your Qantas Frequent Flyer account within an 18-month period, your Qantas Points will not expire. If you don’t fly often, you can maintain activity on your account by using a credit card that earns Qantas Points, like the Westpac Altitude Qantas Black.
Yes, you can link your Westpac Altitude Qantas Black credit card to contactless payment solutions like Apple Pay, Google Pay and Samsung Pay.
Yes, you can add one additional cardholder aged 16 years or older at no extra cost. All points accumulated by the additional cardholder will be credited to the primary cardholder’s Qantas Frequent Flyer account.