Flight value
$1,028 after fees
92,400 Qantas points, estimated value · 90,000 Qantas points · spend $6,000 in 90 days
Available
I'd like to use my bonus for:
to in (0 points)
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92,400 Qantas points at 1.6¢ − $450 first-year fees. Flight value is an estimate, not cash. Assumes you earn the bonus and pay in full.
These terms are currently available (site published 12 Oct 2026).
What this calculation assumes
- You make the required purchases and the bonus is paid.
- You pay the balance in full — any interest changes the outcome.
- The required spend is ordinary planned spending, not extra cost.
- Gift-card rates are the recorded redemption catalogue, rechecked at renewal.
Did this help you make a decision?
Can I get this?
This is a public offer.
Can I get this bonus if I have held a card before?
The bonus holding rule for this offer is unverified. Check the offer terms before applying.
See exclusion periods for every Australian issuer →What must I spend?
$6,000 within 90 days — about $2,000 per month. The terms on this page don't record when the clock starts or how long the bonus takes to arrive after you qualify — check the issuer terms for both.
Can I get the card?
$6,000 minimum credit limit — a lending commitment, not a reward fact.
$75,000 minimum annual income recorded.
Lending approval is separate from bonus eligibility: approval gets you the card, the conditions above get you the bonus.
How long is this available?
Recorded end date: October 28, 2026.
What else makes the card useful?
Reward use
Ways to turn points into value.
- Points Transfer Benefits Compare across cards →Earn 1.5 Qantas Points per $1 on international spend, 0.8 on everyday spend and 0.4 on all other purchases; 0.25 per $1 above $10,000 each statement period, plus 1 extra point per $1 on selected Qantas products and services in Australia; points credited to a linked Qantas…
Check membership, transfer ratios, minimums, and fees before choosing gift cards or flights.
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Earn 1.5 Qantas Points per $1 on international spend, 0.8 on everyday spend and 0.4 on all other purchases; 0.25 per $1 above $10,000 each statement period, plus 1 extra point per $1 on selected Qantas products and services in Australia; points credited to a linked Qantas Frequent Flyer account
No source recorded for this benefit.
Purchase protection
Cover on things you buy with the card. Limits, excesses, and activation conditions apply.
- Purchase Protection Insurance Compare across cards →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
Check the cover period, the card-payment condition, claim limits, and excess.
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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 Compare across cards →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
Check how much extra cover it adds, which warranty lengths qualify, limits, and excess.
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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
Travel
Travel cover and perks. Most need qualifying bookings or payment with the card.
- Lounge Access Compare across cards →2 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
No source recorded for this benefit.Learn more - Travel Insurance Compare across cards →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…
Check the cover period, the activation condition, and who counts as an insured person.
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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
- Rental Vehicle Insurance Compare across cards →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
Check overseas rental excess separately from Australian cover, plus limits and activation for each.
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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 Compare across cards →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
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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
Account management
Tools for running the account — repayment helpers, not reward value.
- Concierge Service Compare across cards →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)
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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)
No source recorded for this benefit.Learn more - Digital Wallet Integration Compare across cards →Supports Apple Pay, Samsung Pay and Google Pay
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Supports Apple Pay, Samsung Pay and Google Pay
No source recorded for this benefit. - Digital Card Issuance Compare across cards →Instant Digital Card available to use from the moment the account is opened, before the physical card arrives
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Instant Digital Card available to use from the moment the account is opened, before the physical card arrives
No source recorded for this benefit. - Online Banking Features Compare across cards →Westpac App money-management tools: cash flow and spend insights, spend categories, Cards Hub for ordering/locking cards and changing PIN, and Quick Balance
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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 source recorded for this benefit. - No Additional Cardholder Fee Compare across cards →Add 1 additional cardholder (16 years or older) at no extra cost
Check account liability and age or redemption restrictions.
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Add 1 additional cardholder (16 years or older) at no extra cost
No source recorded for this benefit. - Interest Free Periods Compare across cards →Up to 45 interest-free days on purchases when the closing balance is paid in full by the due date; cash advances excluded
Interest-free terms change often — confirm the current days with the issuer before applying. This recorded term may be out of date.
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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
No source recorded for this benefit. - Buy Now Pay Later Compare across cards →PartPay Card lets eligible purchases be paid in instalments; subject to PartPay Card terms and conditions
Check applicable charges and eligibility.
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PartPay Card lets eligible purchases be paid in instalments; subject to PartPay Card terms and conditions
No source recorded for this benefit. - Installment Plans Compare across cards →SmartPlan lets eligible balances be paid down in fixed instalment plans
Check applicable charges and eligibility — a repayment plan, not reward value.
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SmartPlan lets eligible balances be paid down in fixed instalment plans
No source recorded for this benefit. - Balance Transfer Offers Compare across cards →Balance Transfers available to move balances from other cards; terms apply
Check the rate, period, revert rate, and fees.
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Balance Transfers available to move balances from other cards; terms apply
No source recorded for this benefit.
Should I keep it after the first year?
Renewal costs $450 each year ($295 annual fee + $155 program fee) — first year was $450.
Second year pays 60,000 Qantas points if you still hold the card into year two. The recorded terms don't detail the exact second spend hurdle — check the issuer terms before counting on it.
Ongoing earn: 0.40x Qantas points per $1.
Keeping pays off only if you meet the second-year conditions and use the points and benefits enough to cover $450/yr.
Year-two points aren't dollar-valued here: the redemption catalogue may change before renewal, so recheck the rate then.
Includes 50 Qantas Status Credits after $6,000 eligible spend within 90 days. The Status Credits promotion ends 28 October 2026. Ordinary earn: 1.5 Qantas Points per $1 on international spend, 0.8 on everyday spend and 0.4 on all other purchases; 0.25 per $1 above $10,000 spend per Statement Period.
Terms and evidence
Full current terms
Offer terms
First Year Points
90,000 points
Qantas
Second Year Points
60,000 points
With $295 annual fee
Minimum Spend
$6,000
within 90 days (about 3 months)
Offer Expires
October 28, 2026
in 15 days
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
Purchase Interest Rate
23.98% p.a.
The value above assumes you pay in full and never pay this. Any interest changes the outcome.
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.
Benefit history (11 changes)
- 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
Now 2 visits/year · Qantas Club.
- Transit Accident InsuranceUpdated May 2026
- Purchase Protection InsuranceUpdated May 2026
- Extended Warranty InsuranceUpdated May 2026
- Rental Vehicle InsuranceUpdated May 2026
Offer terms history
These are published versions of this offer's terms. Each version preserves the conditions available at that time.
Published 12 Oct 2026
Changes from terms version 11
Changes from terms version 10
Changes from terms version 9
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
Captures behind the selected terms record — evidence for these terms, not a complete history of the named offer.
Archived notes
Earlier notes about this offer, kept as an archive — not current terms. 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
Discussion
About the current terms (published 12 Oct 2026).
Community and personal tools
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