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
0.75 points per dollar
Spend $6,000 in 120 days
Summary
Mid-Tier
Key Highlights
- • 90,000 bonus points
- • $295 annual fee
Offer Details
Signup Bonus
90,000 points
Qantas
Minimum Spend
$6,000
within 4 months
Ongoing Earn Rate
0.75x points per $1 spent
Second Year Bonus
30,000 points
With $295 annual fee
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.
Expert Analysis
Bonus Difficulty
Easy
●○○$50 per day required
First Year Cost
$370
annual fee + $75 program fee
Earn Rate
Good
●●●○0.75x Qantas points per $1
Travel Benefits
Lounge Access
2 complimentary Qantas Club airport lounge passes 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.
I'd like to use my 94,500 bonus points for:
$80 of profit after meeting spend requirements
+ $450 Woolworths gift cards
- $295
annual fee
$250
x 1
$100
x 2
in Woolworths gift cards, $450 total, with 1,290 points remaining.
History
26/06/2025
2 changes
Successfully Scraped At:
16/08/2025
Minimum Credit Limit:
15,0006,000
25/01/2025
3 changes
Lounge Pass:
2 complimentary Qantas Club airport lounge passes each year.
Expiration Date:
30/04/2025
Interest Rate:
2020.99
- Expiration changed from 30/04/24 to 31/07/24, Notes from Annual fee includes $50 Annual Altitude Qantas program fee to ""a year ago
- Expiration changed from 01/11/23 to 30/04/242 years ago
- Annual fee increased from $300 to $3702 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.html2 years ago
- Spend requirements increased from $4000 in 90 days ($45 per day) to $6000 in 120 days ($50 per day), offer ends 31/12/223 years ago
- Offer extend from 24/02/22 to 30/06/224 years ago
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