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Card Overview
Westpac is offering up to 150,000 bonus Qantas Points for new cardholders of the Westpac Altitude Qantas Black. New cardholders will receive 90,000 Qantas Points when you spend $6,000 or more on eligible purchases within 120 days of approval and an additional 60,000 Qantas Points after spending $6,000 on eligible purchases within 120 days of card anniversary in year 2. This card also earns up to 1.2 Qantas Points per $1 spent on eligible purchases, and includes two Qantas Club Complimentary Lounge Invitations each year plus complimentary international travel insurance. The annual card fee is $295, plus a $75 rewards fee.
Key Attributes
Earn
Qantas Points Per $1
1.2 points
on international spend
0.8 points
on everyday spend
0.5 points
on all eligible purchases. Once you spend $10,000 in a statement cycle, you will earn 0.25 Qantas Points per $1 on further eligible purchases.
Travel Benefits
Travel Insurance
Extended Warranty & International Travel Insurance (PDS)
Qantas Lounge
2 Qantas Club Complimentary Lounge Invitations each year
Points Cap
Yes
Up to $10,000 per statement cycle, then 0.25 points per $1 on all other purchases
Annual Fee
$370 p.a.
$295 + $75 annual Qantas Rewards fee
ATO Points
No
Overseas Transaction Fee
3%
of converted amount
Interest-free Period
Up to 45 days
Purchase Rate
20.99% p.a.
Cash Advance Rate
21.99% p.a.
Why Choose This Card
This card stands out as a strong option for Qantas Frequent Flyers who are looking for meaningful rewards without diving into ultra-premium annual fees.
The card delivers a competitive earn rate (up to 1.2 Qantas Points per $1 on international purchases and 0.8 per $1 on everyday spend), providing solid value for those spending across both domestic and overseas transactions.
We also appreciate the practical travel perks: two single entry Qantas Club Complimentary Lounge Invitations each year give you access to lounges (even if you don’t hold status or fly premium class regularly), which is a useful benefit that many cards at this fee level don’t offer.
Finally, the inclusion of international travel insurance and access to the card’s concierge service add layers of value beyond just points, helping to make the annual fee feel more worthwhile.
This guide references some of the benefits of insurance policies provided with this card. You should read the PDS and obtain independent professional advice before obtaining this product.
Where could 150,000 Qantas points take you?
You could redeem them for the following:
Los Angeles, the elegant way
Fly to Los Angeles with Qantas Points.
A taste of Tokyo
Fly to Tokyo with Qantas Points.
Extra Benefits
Mobile Wallet
Apple Pay, Google Wallet and Samsung Pay
New cardholders of the Westpac Altitude Qantas Black Credit Card can earn up to 150,000 Qantas Points. The card is aimed at those who want a decent earn rate on spending. The card comes with a larger card fee, but also with added benefits.
Disclaimer: Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
The bonus Qantas Points are split into two parts. You will receive 90,000 bonus Qantas Points when you spend $6,000 on eligible purchases within 120 days of card approval and an additional 60,000 bonus Qantas Points when you spend $6,000 on eligible purchases within 120 days of your card opened date anniversary.
Qantas Points earn rates from the Westpac Altitude Qantas Black Credit Card
The Westpac Altitude Qantas Black Credit Card lets you earn Qantas Points on spending up to 1.2 Qantas Points per $1 on eligible purchases capped at $10,000 per statement period.
The card has an ongoing card fee of $295 p.a. plus $75 annual Altitude Qantas Rewards Program fee.
Card Details
| Card | Westpac Altitude Qantas Black Credit Card |
| Loyalty program | Qantas Frequent Flyer |
| Points earned from spend | 1.2 Qantas Points per $1 on international spend 0.8 Qantas Points per $1 on everyday spend, and 0.5 Qantas Points per $1 on all other purchases Capped at $10,000 per statement cycle, then 0.25 Qantas Points per $1 afterwards |
| Travel benefits | 2 x Qantas Club Complimentary Lounge Invitations per year |
| Included insurances | Extended Warranty & International Travel Insurance (PDS) |
| Overseas transaction fee | 3.0% of the converted amount |
| Mobile wallet | Apple Pay, Google Pay and Samsung Pay |
| Minimum income requirement | $75,000 p.a. |
| Card Fee | $295 p.a. + ($75 annual Qantas Rewards fee) |
Airport Lounge Access Benefits
The Westpac Altitude Qantas Black comes with two digital single-entry Qantas Club Complimentary Lounge Invitations. These passes can be used at any Qantas Club (domestic) or Qantas International Business Class lounge. The passes are sent after your first Card spend on selected Qantas products and services. These are defined as Qantas flights or Qantas Frequent Flyer.
Note: You must first register and then make the applicable card spend directly with Qantas to receive the lounge passes.
It is a useful lounge access benefit for those who don’t travel in Business often.
Included insurances and other benefits
The Card comes with travel and extended warranty insurance coverage. As we say with every credit card guide, the value of each card’s insurance can only really be assessed by you looking at the PDS. Subsequently, you must then decide whether it is a fit for your needs. Read the full PDS here for the Westpac Altitude Qantas Credit Card Black here.
This guide references some of the benefits of insurance policies provided with this card.
You should read the PDS and obtain independent professional advice before obtaining this product.
You’ll also gain access to Westpac Concierge which are on-call 24/7 to fulfil your requests and give some useful restaurant or ticket reservation shortcuts, amongst other potential uses.
Westpac Apple Pay, Google Pay & Samsung Pay support
Westpac cards support Apple Pay, Google Pay & Samsung Pay, meaning you can use this card on your smartphone for easier payments. Find out more in our guides for each of the compatible services.
Summing up: the Westpac Altitude Qantas Black Credit Card
The Westpac Altitude Qantas Black Credit Card will not disappoint. The Card has a fairly competitive earn rate and include lounge access, which can be great for infrequent travellers that don’t hold Qantas status.
Overall, if you are after a Qantas Points-earning credit card, this is definitely one to consider.
Eligibility Criteria
These are the minimum requirements to be eligible to apply for this Card. Other additional eligibility criteria, such as proof of income, will generally be required later on.
-
Be aged 18 years or over
-
Be an Australian citizen, permanent resident, or hold a long-term visa
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Have a good credit history and no payment defaults
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Minimum income required of $75,000 p.a.
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To be eligible for the bonus offer, you must not hold, or have held, an Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas or Velocity in the last 24 months
Frequently Asked Questions
How does the Complimentary International Travel Insurance work and am I eligible for it?
You’ll automatically apply the complimentary international travel insurance if you prepay $500 of your travel costs to your eligible card and hold a return overseas ticket before departing Australia.
What do the complimentary insurances cover?
The card includes international travel insurance, transit accident insurance, purchase protection, extended warranty on eligible items, rental vehicle excess cover in Australia, and interstate flight inconveniences.
Can I access lounges with this card?
Yes, you can, with 2 Qantas Club Complimentary Lounge Invitations included with the card. You’ll need to register, and then use your Altitude Qantas Black Card in Australia to purchase selected Qantas products and services directly with Qantas.
Who is eligible for the sign-up bonus?
The sign-up bonus points offer is not available if you’ve held an Altitude Platinum or Altitude Black card with Altitude, Qantas or Velocity in the previous 24 months.
What happens if I don’t meet the bonus points spend requirement?
If you don’t meet the initial spend requirement, you will forfeit the first part of the bonus points. However, you’ll still be eligible for the second-year bonus if you continue to use the card and meet the eligibility criteria.
Can I add additional cardholders?
Yes, you can add one additional cardholder at no extra cost. Points earned by the supplementary cards will flow to the primary cardholder’s Qantas Frequent Flyer account.