Westpac Altitude Black Qantas Credit Card: Premium Travel Rewards and Exclusive Perks in 2025
- Admin
- Jun 11
- 5 min read
If you're a frequent flyer with Qantas and want to maximise your travel rewards, the Westpac Altitude Black is one of the most powerful premium credit cards in Australia. Specifically, the Westpac Altitude Qantas Black card is designed for savvy travellers who want to earn Qantas Points faster, enjoy complimentary travel insurance, airport lounge access, and a suite of luxury perks.
In this guide, we’ll explore everything you need to know about the Westpac Altitude Black Qantas credit card—from features and rewards to fees, eligibility, pros and cons, and common questions.
What is the Westpac Altitude Black Qantas Credit Card?
The Westpac Altitude Black is the highest tier in the Westpac credit card family, and when linked to the Qantas Frequent Flyer program, it becomes the Westpac Altitude Qantas Black card. This premium card is designed to accelerate your Qantas Points earning potential and unlock a variety of luxury travel and lifestyle benefits, including:
Complimentary Qantas Lounge Passes
Overseas travel insurance
Bonus points on signup (subject to eligibility)
Concierge services
Rewards flexibility through the Altitude Rewards platform (Qantas or Altitude program)
Want to compare top travel credit cards side-by-side? Head over to Utility Choice AU and find the perfect card for your lifestyle and budget.
Quick Overview: Westpac Altitude Black Qantas Credit Card Details
Pros and Cons of the Westpac Altitude Qantas Black Card
Rewards Program: Earn Qantas Points with Every Purchase
With the Westpac Altitude Qantas Black, you'll earn:
0.75 Qantas Points per $1 on eligible purchases up to $250,000 annually
0.5 Qantas Points per $1 beyond the $250,000 spend cap
Bonus Qantas Points on sign-up when minimum spend criteria are met (e.g., $6,000 within 90 days)
Your Qantas Points can be redeemed for:
Domestic and international flights with Qantas and partner airlines
Seat upgrades
Hotel bookings and car hire
Qantas Store items and gift cards
This makes the Westpac Qantas card one of the best for long-haul travellers and those who frequently fly for business.
Features and Benefits of the Westpac Altitude Black Card
The Westpac Altitude Black isn’t just about points—it’s about premium perks that enhance your travel and lifestyle. Key benefits include:
Complimentary Qantas Lounge Access
Receive 2 complimentary Qantas Club Lounge invitations each year after your first eligible purchase.
Complimentary Travel Insurance
Enjoy comprehensive international and domestic travel insurance, covering trip cancellation, medical expenses, and los luggage.
Mastercard World Concierge
24/7 concierge service for bookings, travel arrangements, and lifestyle experiences.
Purchase Security and Extended Warranty
Enjoy purchase protection insurance and extended warranty coverage on eligible items.
Digital Wallet Compatibility
Easily link your Westpac Altitude Black card with Apple Pay, Google Pay, or Samsung Pay.
Fees and Charges: What You’ll Pay
Eligibility Criteria
To apply for the Westpac Altitude Black Qantas credit card, applicants must:
Be 18 years or older
Be a permanent Australian resident
Have a good credit rating
Earn a minimum income (typically $75,000+)
Provide all necessary identity and financial documents
Required Documents
Prepare the following documents before applying:
ID Verification: Passport, driver’s licence, or Medicare card
Proof of Income: Recent payslips, employment contract, or tax return
Employment Details: Employer’s name, job title, and contact info
Expense Information: Current rent/mortgage, liabilities, and assets
Existing Credit Commitments: Other credit cards, loans, or debts
Additional Things to Know Before You Apply
The Qantas Rewards program fee is charged annually in addition to the standard card fee.
Bonus points are usually credited after meeting spending criteria—always check current offers.
Lounge passes are sent via email and must be linked to your Qantas Frequent Flyer number.
You must opt-in to earn Qantas Points instead of Altitude Rewards.
Final Verdict: Is the Westpac Altitude Black Qantas Card Worth It?
If you’re a Qantas Frequent Flyer looking to boost your points, enjoy premium travel perks, and benefit from exclusive features like lounge access and insurance, the Westpac Altitude Black Qantas credit card is a top-tier choice. With its generous points earning potential, premium Mastercard benefits, and comprehensive insurance, it’s ideal for frequent travellers with a mid-to-high income.
But keep in mind—its annual fee is substantial, and you’ll only get the most out of it if you’re a Qantas loyalist who spends regularly on the card.
Compare the Westpac Altitude Black Qantas with other high-value credit cards now at Utility Choice AU and find the card that matches your lifestyle and travel goals.
Frequently Asked Questions ( FAQS )
1. How many Qantas Points can I earn with the Westpac Altitude Black?
You can earn up to 0.75 points per $1 up to $250,000 annually.
2. Does this card offer complimentary lounge access?
Yes, you receive 2 free Qantas Club invitations per year.
3. What is the annual fee for the Westpac Altitude Black Qantas card?
It’s $295, plus a $75 Qantas Rewards program fee.
4. Do I get travel insurance with this card?
Yes, both domestic and international travel insurance are included.
5. Can I apply for this card with a lower income?
You typically need a minimum income of $75,000 per year.
6. How long does it take to receive the bonus Qantas Points?
Points are usually credited within 12 weeks of meeting the spend requirement.
7. Is this card suitable for international travel?
Yes, but be aware of the 3% foreign transaction fee.
8. Can I add an additional cardholder?
Yes, one additional cardholder is free.
9. How do I switch from Altitude Rewards to Qantas Points?
You must opt-in at the time of application and pay the $75 fee.
10. Where can I compare this with other travel credit cards?
Visit Utility Choice AU to compare premium and low-rate credit cards in one place.
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