Card
Offer
Westpac Altitude Qantas Black (Reduced first year annual fee for Westpac Customers)
For existing customers
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
Offer Expires
October 28, 2026
in 23 days
Ongoing Earn Rate
0.40x points per $1 spent
Fees
First Year Annual Fee
$200
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.
Recorded 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
$355
annual fee + $155 program fee
Bonus Value
$425
92,400 points redeemed in Woolworths gift cards
Earn Rate
Poor
●○○○0.40x Qantas points per $1
Travel Benefits
Lounge Access
Two Qantas Club Complimentary Invitations within each 12-month period
Did this help you make a decision?
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 →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 10
Changes from terms version 9
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First recorded terms