Connecting to better
Westpac Altitude Qantas Black
Bonus Point
Interest Rates
120000
20.99
Reward Point
0.75
Annual fee
$370
Pros.
Earn up to 120,000 bonus Qantas Points
Includes complimentary insurance coverage and airport lounge passes
Accumulate 0.75 Qantas Points for every $1 spent
$225 first-year annual fee for existing customers (includes $75 Qantas Rewards fee)
Cons.
Offers up to 45 days interest-free on purchases, which is less than some other cards that provide up to 55 days
Comes with a higher annual fee of $370 per year (including a $75 Qantas Rewards fee)
The Westpac Altitude Qantas Black offers a substantial bonus points promotion and a competitive points rate per $1 spent, making it a strong contender among similar frequent flyer credit cards. It also provides complimentary overseas travel insurance, two Qantas Club lounge invitations each year, airport lounge passes, and additional insurance coverage. When comparing this card to others, consider the potential value of the points and perks in relation to the annual cost to determine if it suits your needs.
Details
Product Details
Product Name
Westpac Altitude Qantas Black
Balance transfer rate p.a.
N/A
Balance transfer limit
N/A
Purchase rate p.a.
20.99
Interest-free days
Up to 45 dayson purchases
Cash advance rate p.a.
3%
Min credit limit
$75,000
Card type
Mastercard
Fees & Charges
Annual fee
$370
Minimum monthly repayment
N/A
Late payment fee
$15
Foreign currency conversion fee
3%
Cash advance fee
3%
Overseas cash advance fee
N/A
Additional cardholder fee
$0
Number of additional cardholders
1
Eligibility
Available to temporary residents
Yes with conditions
Minimum income
$75,000
Joint application
No
Rewards
Rewards program
0.75
Bonus points
120000
Rewards points per $ spent
0.75
Rewards points cap
120,000
How to Apply
You can apply for the Westpac Altitude Qantas Black card by completing a secure application on the bank's website. Before you begin, ensure you meet the eligibility requirements and have the necessary information ready to complete the application.
Eligibility Criteria
New cardholder: This bonus points offer is available only to new Westpac Altitude customers. If you’ve held an Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas, or Velocity in the last 24 months, you won’t be eligible.
Minimum income: You must earn at least $75,000 annually.
Residency: You must be an Australian citizen or permanent resident, or hold a valid visa with at least 1 year remaining before expiry.
Credit history: You must have a good credit score to apply.
Age: You must be at least 18 years old to apply.
Existing customers: To qualify for the discounted first-year annual fee, you must be an existing Westpac customer.
Required Documents
Personal information: This includes your full name, date of birth, number of dependents, and contact details. You will also need to provide a valid ID, such as your Australian driver’s license, Medicare card, or Australian passport.
Employment details: This includes your employment status, salary, and employer contact information. You will need to provide recent payslips or bank statements, along with your most recent ATO tax assessment notice if you are self-employed.
Financial details: This covers any additional sources of income, existing loans, credit cards, and other financial obligations. You will also need to provide an estimate of your share of household spending on essentials.
Frequent flyer number: You’ll need to provide your Qantas Frequent Flyer number to ensure your points are credited to your account.
Card benefits
You can apply for the Westpac Altitude Qantas Black card by completing a secure application on the bank's website. Before you begin, ensure you meet the eligibility requirements and have the necessary information ready to complete the application.
Eligibility Criteria
New cardholder: This bonus points offer is available only to new Westpac Altitude customers. If you’ve held an Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas, or Velocity in the last 24 months, you won’t be eligible.
Minimum income: You must earn at least $75,000 annually.
Residency: You must be an Australian citizen or permanent resident, or hold a valid visa with at least 1 year remaining before expiry.
Credit history: You must have a good credit score to apply.
Age: You must be at least 18 years old to apply.
Existing customers: To qualify for the discounted first-year annual fee, you must be an existing Westpac customer.
Required Documents
Personal information: This includes your full name, date of birth, number of dependents, and contact details. You will also need to provide a valid ID, such as your Australian driver’s license, Medicare card, or Australian passport.
Employment details: This includes your employment status, salary, and employer contact information. You will need to provide recent payslips or bank statements, along with your most recent ATO tax assessment notice if you are self-employed.
Financial details: This covers any additional sources of income, existing loans, credit cards, and other financial obligations. You will also need to provide an estimate of your share of household spending on essentials.
Frequent flyer number: You’ll need to provide your Qantas Frequent Flyer number to ensure your points are credited to your account.
Rates & fees
Annual Fee
The Westpac Altitude Qantas Black Credit Card comes with an annual fee of $370, which includes a $295 standard fee and a $75 yearly rewards fee for earning Qantas Points.
Purchase Interest Rate
The card has a variable purchase interest rate of 20.99% p.a., which is around the average rate for credit cards in Australia.
Cash Advances
If you use this card to withdraw cash or for other cash advances, a fee of 3% of the cash advance amount will apply, along with a cash advance interest rate of 21.99% p.a. Cash advances are not eligible for any interest-free period.
Interest-Free Period
You can enjoy up to 45 days of interest-free on new purchases if you pay the full monthly balance by the due date listed on your statement. Note that this interest-free period does not apply to balance transfers or any longer-term promotional interest rates.