Image of Westpac Altitude Qantas Black credit card

Westpac Altitude Qantas Black

$295 first year annual fee
$75 reward program fee
90,000 points
$6,000 min limit
$75,000 annual income required
0.50 points per dollar
Spend $6,000 in 120 days

Summary

Mid-Tier

Key Highlights

  • 90,000 bonus points
  • $295 annual fee

Offer Details

First Year Points

90,000 points

Qantas

Second Year Points

60,000 points

With $295 annual fee

Minimum Spend

$6,000

within 4 months

Ongoing Earn Rate

0.50x points per $1 spent

Fees

First Year Annual Fee

$295

Ongoing Annual Fee

$295

From year 2 onwards

Program Fee

$75

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

Travel Insurance
Up to 6 months complimentary international travel insurance cover when eligibility criteria are met, including prepaying $500 of travel costs and holding a return overseas ticket before departing Australia.
Rental Vehicle Insurance
Rental vehicle excess cover in Australia included as part of complimentary insurances.
Extended Warranty Insurance
Up to 24 months extended warranty insurance cover in addition to the manufacturer's expressed Australian warranty on eligible purchases.
Purchase Protection Insurance
Up to 4 months purchase protection insurance on eligible purchases.
Transit Accident Insurance
Overseas transit accident insurance covers accidental death or injury when traveling overseas as a passenger on plane, bus, train, or shorthaul ferry with tickets purchased on the card.
Lounge Access
2 complimentary Qantas Club airport lounge passes per year after registration and eligible spend on selected Qantas products and services; valid for Qantas Club and Qantas operated International Business Lounges only (excluding Los Angeles Tom Bradley Airport lounge).
No Additional Cardholder Fee
Add 1 additional cardholder aged 16 years or older at no extra cost.
Concierge Service
Personal Concierge Service available 24/7 for booking experiences, hard-to-get tickets, last-minute restaurant reservations, and more via westpac.tenconcierge.com or phone 1300 651 999 (option 4).
Digital Wallet Integration
Card supports Apple Pay, Samsung Pay, and Google Pay digital wallets.
Digital Card Issuance
Instant Digital Card available from account opening before physical card arrives.
Interest Free Periods
Up to 45 days interest-free period on purchases when closing balance or monthly payment balance is paid in full by due date; excludes cash advances.

I'd like to use my 93,000 bonus points for:

Expert Analysis

Craig's Take
93,000 Qantas pts × 1.6¢/pt = $1,488
− $370 first year fees
Est. profit $1,118

Bonus Difficulty

Easy

●○○

$50 per day required

First Year Cost

$370

annual fee + $75 program fee

Estimated Bonus Value

$1488

Based on 1.6¢ per Qantas point

Earn Rate

Average

●●○○

0.50x Qantas points per $1

Travel Benefits

Lounge Access

Two complimentary Qantas Club lounge invitations each year

RWRDS Insight

This analysis is generated using RWRDS algorithms based on current market data, bonus structures, and fee schedules. Values are estimates and actual results may vary. Consider your spending patterns and reward preferences when evaluating offers.

Did this help you make a decision?


History
11 Jan 2026
1 changes
Points Per Dollar:
0.800.50
6 Dec 2025
1 changes
Second Year Bonus:
30,00060,000
23 Sep 2025
2 changes
Lounge Pass:
2 complimentary Qantas Club airport lounge passes each year.Two complimentary Qantas Club lounge invitations each year
Points Per Dollar:
0.750.80
26 Jun 2025
1 changes
Minimum Credit Limit:
15,0006,000
25 Jan 2025
3 changes
Lounge Pass:
2 complimentary Qantas Club airport lounge passes each year.
Expiration Date:
30 Apr 2025
Interest Rate:
20.0020.99
  • Expiration changed from 30/04/24 to 31/07/24, Notes from Annual fee includes $50 Annual Altitude Qantas program fee to ""
    2 years ago
  • Expiration changed from 01/11/23 to 30/04/24
    2 years ago
  • Annual fee increased from $300 to $370
    3 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.html
    3 years ago
  • Spend requirements increased from $4000 in 90 days ($45 per day) to $6000 in 120 days ($50 per day), offer ends 31/12/22
    4 years ago
  • Offer extend from 24/02/22 to 30/06/22
    4 years ago
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Hey all! Hope you are enjoying the site.

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Craig