Card
Offer
Westpac Altitude Qantas Black
Public offer
Offer terms
First Year Points
90,000 points
Qantas
Second Year Points
60,000 points
With $295 annual fee
Minimum Spend
$6,000
within 3 months
Ongoing Earn Rate
0.40x points per $1 spent
Fees
First Year Annual Fee
$295
Ongoing Annual Fee
$295
From year 2 onwards
Program Fee
$155
Additional fee for reward program participation
Note: Additional fees may apply for cash advances, foreign transactions, overlimits, and late payments. Check the issuer's terms and conditions for complete fee details.
Benefits
- Lounge Access2 visits/year · Qantas Club
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2 complimentary Qantas Club lounge invitations per 12-month period after registering the card and spending on selected Qantas products and services; register at loungepass.altitudeblack.com.au
- Concierge Service
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Personal Concierge Service provided by Ten Lifestyle Services for Altitude Black cardholders; browse and book experiences, tickets and restaurant reservations online or by phone 1300 651 999 (option 4)
- Digital Wallet Integration
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Supports Apple Pay, Samsung Pay and Google Pay
- Digital Card Issuance
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Instant Digital Card available to use from the moment the account is opened, before the physical card arrives
- Online Banking Features
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Westpac App money-management tools: cash flow and spend insights, spend categories, Cards Hub for ordering/locking cards and changing PIN, and Quick Balance
- No Additional Cardholder Fee
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Add 1 additional cardholder (16 years or older) at no extra cost
- Interest Free Periods
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Up to 45 interest-free days on purchases when the closing balance is paid in full by the due date; cash advances excluded
- Buy Now Pay Later
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PartPay Card lets eligible purchases be paid in instalments; subject to PartPay Card terms and conditions
- Installment Plans
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SmartPlan lets eligible balances be paid down in fixed instalment plans
- Balance Transfer Offers
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Balance Transfers available to move balances from other cards; terms apply
- Travel Insurance
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Complimentary International Travel Insurance for trips up to 6 months for Level 1 Card holders when at least $500 of prepaid travel costs are charged to the card and a return overseas ticket is held; most sections (overseas emergency medical, evacuation, cancellation) are unlimited. Also includes Interstate Flight Inconvenience Insurance for domestic flights paid to the card
- Purchase Protection Insurance
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Eligible items charged to the card covered against loss, theft or damage for up to 4 months, up to $10,000 per item ($3,500 for jewellery, watches and new works of art); $300 excess per claim
- Extended Warranty Insurance
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Up to 24 months extended warranty cover (in addition to the manufacturer's Australian warranty) on eligible items charged to the card, up to $20,000 per covered product; $300 excess per claim
- Rental Vehicle Insurance
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Rental vehicle excess cover in Australia up to the amount in the rental agreement or $5,500 (whichever is lesser) when the rental is charged to the card; $300 excess per claim
- Transit Accident Insurance
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Overseas Transit Accident Insurance covers specified accidental death or injury sustained overseas as a passenger on a plane, bus, train or short-haul ferry when the entire trip tickets are charged to the card before departure
Benefit history
- Travel InsuranceUpdated May 2026
- Interest Free PeriodsUpdated May 2026
- Digital Card IssuanceUpdated May 2026
- Digital Wallet IntegrationUpdated May 2026
- Concierge ServiceUpdated May 2026
- No Additional Cardholder FeeUpdated May 2026
- Lounge AccessUpdated May 2026
- Transit Accident InsuranceUpdated May 2026
- Purchase Protection InsuranceUpdated May 2026
- Extended Warranty InsuranceUpdated May 2026
- Rental Vehicle InsuranceUpdated May 2026
I'd like to use my bonus for:
Craig's AnalysisBonus Difficulty
Moderate
●●○$67 per day required
First Year Cost
$450
annual fee + $155 program fee
Earn Rate
Poor
●○○○0.40x Qantas points per $1
Travel Benefits
Lounge Access
2 complimentary Qantas Club airport lounge passes each year
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Can I get this bonus if I've had a card from Westpac before?
You generally need to wait 24 months after your last Westpac sign-up bonus before you can earn this one.
See exclusion periods for every Australian issuer →Includes 50 Qantas Status Credits after $6,000 eligible spend within 90 days. The Status Credits promotion ends 28 October 2026.
Offer terms history
These are published versions of this offer's terms. Each version preserves the conditions available at that time.
Published 2 Oct 2026
Changes from terms version 8
Changes from terms version 7
Changes from terms version 6
Changes from terms version 5
Changes from terms version 4
Changes from terms version 3
Changes from terms version 2
Changes from terms version 1
First recorded terms
Saved notes
Earlier notes about this offer. Note dates are separate from terms publication dates.
- Expiration changed from 30/04/24 to 31/07/24, Notes from Annual fee includes $50 Annual Altitude Qantas program fee to ""3 years ago
- Expiration changed from 01/11/23 to 30/04/243 years ago
- Annual fee increased from $300 to $3703 years ago
- Offer end date changed to 14th June 2023 due to fee changes https://www.westpac.com.au/content/public/wbc/en/personal-banking/credit-cards/reward/reward-card-changes.html3 years ago
- Spend requirements increased from $4000 in 90 days ($45 per day) to $6000 in 120 days ($50 per day), offer ends 31/12/224 years ago
- Offer extend from 24/02/22 to 30/06/225 years ago