Westpac Altitude Qantas Black (Reduced first year annual fee for Westpac Customers)

Snapshot 871 · Offer 2464 · Offer status now: active

Saved public issuer wording and any captured linked terms, including versions for ended offers. All times use UTC.

Start is inclusive. Superseded is exclusive. Live capture dates record detected changes. Imported Git dates record commits. Neither proves when issuer terms took effect. Current means the latest saved version, not an active offer.

Unchanged captures do not create new rows. Last successful capture is the latest successful capture for the offer, including unchanged captures. Failed captures leave the last saved evidence in place.

History contains saved source text. Imported Git versions identify their original format and recorded dates. Old captures may have gaps or incomplete linked terms. Raw HTML is not stored in this database.

Source wording changes

Read full saved wording and terms

Changes to the captured page text and terms, compared with snapshot 868 from 2026-08-19 22:41:28.000 UTC.

Removed text is marked −. Added text is marked +. Unchanged text can be expanded. This compares saved Markdown, including source links and terms. Images and known navigation are omitted from this comparison.

− Removed

[Skip to main content](#content) [Skip to main navigation](#main-nav) [Skip to access and inclusion page](/web-accessibility/) [Skip to search input](#search)

+ Added

1. [ Rewards credit cards](https://www.westpac.com.au/credit-cards/reward)
2. Altitude Qantas Black

1 unchanged line

− Removed

* [ Rewards credit cards](/personal-banking/credit-cards/reward/)
* Altitude Qantas Black

+ Added

Qantas Points

5 unchanged lines


# Altitude Qantas Black

Our premier Qantas credit card gets you a high Qantas Points earn rate as well as complimentary airport lounge access, insurances and concierge.

− Removed

Apply now 
* [Already with Westpac ](https://www.ui.westpac.com.au/origin/etb0/content/secure-pers/credit-cards/qantas-rewards/altitude-qantas-black/summary "Already with Westpac")
* [Not yet with Westpac](/personal-banking/credit-cards/reward/altitude-qantas-black/summary/ "Not yet with Westpac")

+ Added

#### Important notice

1 unchanged line

− Removed

Apply now 
* [Already with Westpac](https://www.cmsservices.westpac.com.au/app/banking/deeplink?screenId=externalRedirectorWithParams&param0=contentspa&param1=secure-pers%28%5F$%29credit-cards%28%5F$%29qantas-rewards%28%5F$%29altitude-qantas-black%28%5F$%29summary&targetpath=https%3A%2F%2Fwww.ui.westpac.com.au%2Forigin%2Fetb0%2Fcontent%2Fsecure-pers%2Fcredit-cards%2Fqantas-rewards%2Faltitude-qantas-black%2Fsummary "Already with Westpac")
* [Not yet with Westpac](/personal-banking/credit-cards/reward/altitude-qantas-black/summary/ "Not yet with Westpac")

+ Added

From 30 September 2026, we're making changes to some Westpac Credit Card fees and rates, including updates to the Rewards Points program. [Find out more](/credit-cards/credit-card-changes#RBA "Find out more")

1 unchanged line

− Removed

[](#)

+ Added

From 1 October 2026, we’re making changes to the Westpac Credit Cards Complimentary Insurance Policy. [Find out more](/credit-cards/credit-card-changes?fid=op:infob:concc:ip:cta1#CCCI "Find out more")

1 unchanged line

− Removed

Error

+ Added

You could earn up to **150,000** bonus Qantas Points[](#disclaimer-1 "[#]")

1 unchanged line

− Removed

### Important Notice

+ Added

See full offer details below.

1 unchanged line

− Removed

From **30 September 2026**, we’re making changes to some Westpac Credit Card fees and rates, including updates to the Rewards points program. [Find out more](/personal-banking/credit-cards/credit-card-changes/).

+ Added

**Already with Westpac?** Sign in to apply and get a $200 first year card fee (reverts to $295 p.a. thereafter)[](#disclaimer-2 "[#]"). A $75 annual Qantas Rewards Program fee still applies

1 unchanged line

− Removed

From **1 October 2026**, we’re making changes to the Westpac Credit Cards Complimentary Insurance Policy. [Find out more](/personal-banking/credit-cards/credit-card-changes/?pid=iwc:cc:CCCI1%5F2607::)

+ Added

Earn up to 1.2 Qantas Points per $1 spent on eligible purchases[](#disclaimer-3 "[#]")

1 unchanged line

− Removed

##  Get up to 150,000 bonus Qantas Points\~

+ Added

Plus earn up to 1 bonus Qantas Point per $1 spent on selected Qantas products and services[](#disclaimer-4 "[#]") in Australia

1 unchanged line

− Removed

Star1 Already with Westpac? Sign in to apply for a $200< card fee for the first year (reverts to $295 p.a. thereafter).

+ Added

Offer

1 unchanged line

− Removed

**Get up to 150,000 bonus Qantas Points** — **90,000** Qantas Points in year 1 if you spend $6k+ on eligible purchases within 90 days of new card approval and an extra **60,000** points with $6k+ spend on eligible purchases within 90 days of card anniversary in year 2.

+ Added

### Get up to 150,000 bonus Qantas Points

1 unchanged line

− Removed

Offer not available if you’ve held an Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas or Velocity in the last 24 months. New cards only. T&Cs apply.

+ Added

Get up to **150,000 bonus Qantas Points**[](#disclaimer-1 "[#]") — **90,000** Qantas Points in year 1 if you spend $6k+ on eligible purchases[](#disclaimer-3 "[#]") within 90 days of new card approval and an extra **60,000** points with $6k+ spend on eligible purchases[](#disclaimer-3 "[#]") within 90 days of card anniversary in year 2.

1 unchanged line

− Removed

Close

+ Added

**Already with Westpac?** Sign in to apply and get a $200 first year card fee (reverts to $295 p.a. thereafter).[](#disclaimer-2 "[#]") A $75 annual Qantas Rewards Program fee still applies.

1 unchanged line

− Removed

Close

+ Added

Offer not available if you’ve held a Westpac credit card in the last 24 months. New cards only. Credit criteria and T&Cs apply.

1 unchanged line

− Removed

[ Already with Westpac? Sign in to apply](https://www.ui.westpac.com.au/origin/etb0/content/secure-pers/credit-cards/qantas-rewards/altitude-qantas-black/summary) [ Already with Westpac? Sign in to apply](https://www.cmsservices.westpac.com.au/app/banking/deeplink?screenId=externalRedirectorWithParams&param0=contentspa&param1=secure-pers%28%5F$%29credit-cards%28%5F$%29qantas-rewards%28%5F$%29altitude-qantas-black%28%5F$%29summary&targetpath=https%3A%2F%2Fwww.ui.westpac.com.au%2Forigin%2Fetb0%2Fcontent%2Fsecure-pers%2Fcredit-cards%2Fqantas-rewards%2Faltitude-qantas-black%2Fsummary) [ Not yet with us? Apply here](/personal-banking/credit-cards/reward/altitude-qantas-black/summary/) [ Not yet with us? Apply here](/personal-banking/credit-cards/reward/altitude-qantas-black/summary/)

+ Added

Apply now

1 unchanged line

− Removed

## At a glance

+ Added

Apply now

1 unchanged line

− Removed

| **$295**         | Annual card fee                                   |
| ---------------- | ------------------------------------------------- |
| **$75**          | Annual Altitude Qantas Rewards Program fee        |
| **20.99% p.a.**  | Variable purchase rate                            |
| **21.99% p.a.**  | Variable cash advance rate                        |
| **$6,000**       | Minimum credit limit                              |
| **$75,000 p.a.** | Minimum income required                           |
| **1.2**          | Qantas Points per $1 on international spend       |
| **0.8**          | Qantas Points per $1 on everyday spend            |
| **0.5**          | Qantas Points per $1 spend on all other purchases |

+ Added

### Features

1 unchanged line

− Removed

Once you spend $10,000 in a statement cycle, you will earn 0.25 Qantas Points per $1 on further eligible purchases.

+ Added

**'Double dip' for more Qantas Points** \- Whether you are purchasing groceries or stocking up on Qantas Wine, you can earn points twice when you use your Qantas Points earning credit card to do your shopping with Qantas and their partners.

1 unchanged line

− Removed

See below for standard rates and fees.

+ Added

**Complimentary Insurances** \- Access to Interstate Flight Inconvenience Insurance and Rental Vehicle Excess in Australia cover, up to 6 months' complimentary cover for international travel insurance, plus extended warranty, purchase protection for up to 4 months and overseas transit accident insurance (terms, conditions, exclusions and eligibility criteria apply).[](#disclaimer-5 "[#]")

1 unchanged line

− Removed

### What kind of businesses are included in the new ‘everyday spend’ category?

+ Added

**Complimentary Lounge passes** \- Relax before you fly with 2 complimentary Qantas Club airport lounge passes each year. See FAQs for how to redeem.[](#disclaimer-6 "[#]")

1 unchanged line

− Removed

Our 'everyday spend' category consists of 5 sub-categories: supermarkets, department stores, petrol stations, dining and utilities. Below is a list of examples of merchants included in these 5 categories:

+ Added

**Up to 45 days interest-free** \- To give you more opportunity to avoid interest charges on your purchases.[](#disclaimer-7 "[#]") Note cash advances aren’t covered by this interest-free period.

1 unchanged line

− Removed

* **Supermarkets** include stores such as Woolworths, Coles, IGA, Harris Farm and ALDI
* **Department stores** include stores such as Kmart, Target, Big W, David Jones and Myer
* **Petrol stations** include stores such as 7-Eleven, Shell, Ampol, Caltex and BP
* **Dining** includes restaurants, cafes, fast food, bars, hotels and entertainment venues
* **Utilities** include payments for water, gas, electricity, internet, mobile and streaming services (excluding BPAY® payments).

+ Added

**Personal Concierge Service** \- Exclusive to Westpac Altitude Black cardholders, the Personal Concierge Service lets you browse and book experiences online, including hard-to-get tickets, last-minute restaurant bookings and more. [Find out more](https://westpac.tenconcierge.com/ "Find out more")

1 unchanged line

− Removed

## Why choose Altitude Qantas Black?

+ Added

**Cashback and discounts** \- With a Westpac credit card, you'll get personalised cashback offers from [Westpac Extras](/credit-cards/westpac-extras "Westpac Extras"), Westpac bonus Cashback when you shop via the Westpac Lounge on [ShopBack](https://www.westpac.com.au/personal-banking/online-banking/making-the-most/rewards-and-offers/offers/shopback/ "ShopBack"), plus other discounts and offers from a wide range of shops, in-store and online.

1 unchanged line

− Removed

###  'Double dip' for more Qantas Points

+ Added

**Tools to stay on top** \- These include options like [PartPay](/credit-cards/partpay "PartPay"), [SmartPlan](/credit-cards/smartplan "SmartPlan"), [Balance Transfers](https://www.westpac.com.au/personal-banking/solutions/staying-credit-smart/using-balance-transfers/how-to-do-a-balance-transfer/ "Balance Transfers"), [Card Autopay](https://www.westpac.com.au/personal-banking/online-banking/making-the-most/card-autopay/ "Card Autopay") and [SMS payment reminders](https://www.westpac.com.au/faq/credit-card-reminder-set-up-app/ "SMS payment reminders").

1 unchanged line

− Removed

Whether you are purchasing groceries or stocking up on Qantas Wine, you can earn points twice when you use your Qantas Points earning credit card to do your shopping with Qantas and their partners.

+ Added

**Additional cardholder** \- Add 1 additional cardholder (16 years or older) at no extra cost.[](#disclaimer-8 "[#]")

1 unchanged line

− Removed

###  Complimentary Insurances

+ Added

### How to earn points?

1 unchanged line

− Removed

 Access to Interstate Flight Inconvenience Insurance and Rental Vehicle Excess in Australia cover, up to 6 months' complimentary cover for international travel insurance, plus extended warranty, purchase protection for up to 4 months and overseas transit accident insurance. (terms, conditions, exclusions and eligibility criteria apply).

+ Added

| 1.2     | **Qantas Points per $1 on international spend**                              |
| ------- | ---------------------------------------------------------------------------- |
| **0.8** | **Qantas Points per $1 on everyday spend**                                   |
| **0.5** | **Qantas Points per $1 spend on all other purchases[](#disclaimer-9 "[#]")** |

1 unchanged line

− Removed

###  Complimentary Lounge passes

+ Added

Once you spend $10,000 in a statement cycle, you will earn 0.25 Qantas Points per $1 on further eligible purchases.[](#disclaimer-3 "[#]")

1 unchanged line

− Removed

Relax before you fly with 2 complimentary Qantas Club airport lounge passes each year. See FAQs for how to redeem.

+ Added

### Rates and minimum requirements

1 unchanged line

− Removed

## Other features and benefits

+ Added

| **New cards only**.            |              |
| ------------------------------ | ------------ |
| **Variable purchase rate**     | 20.99% p.a.  |
| **Variable cash advance rate** | 21.99% p.a.  |
| **Minimum credit limit**       | $6,000       |
| **Minimum income required**    | $75,000 p.a. |

1 unchanged line

− Removed

[Up to 45 days interest-free](#tab1)

+ Added

### Fees

1 unchanged line

− Removed

To give you more opportunity to avoid interest charges on your purchases. Note cash advances aren’t covered by this interest-free period.

+ Added

| **New cards only.**                            |                                                                                                                                                                                                                                                                                                                                                                                                                                           |
| ---------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Annual card fee**                            | $295                                                                                                                                                                                                                                                                                                                                                                                                                                      |
| **Annual Altitude Qantas Rewards Program fee** | $75                                                                                                                                                                                                                                                                                                                                                                                                                                       |
| **Foreign transaction fee**                    | 3%Payable as a percentage of the Australian dollar value of any foreign transaction.Applies for transactions in a foreign currency, or in Australian dollars but processed by an overseas merchant or financial institution.Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia. More about this [fee](/credit-cards/manage/fees-interest/minimising-fees "fee"). |
| **Cash advance fee**                           | 3.5% of the value of the transaction will apply to each cash advance made on your card account.These charges will appear on your credit card statement directly below the relevant cash advance.                                                                                                                                                                                                                                          |
| **Missed payment fee**                         | $20 each statement cycle that the minimum monthly payment is not paid by the statement due date.                                                                                                                                                                                                                                                                                                                                          |

1 unchanged line

− Removed

[No card? No problem ](#tab2)

+ Added

For more information about [credit card fees](/credit-cards/manage/fees-interest/minimising-fees "credit card fees").

1 unchanged line

− Removed

On top of Apple Pay, Samsung Pay and Google Pay, you can use our Instant Digital Card from the moment your account is opened. No need to wait for a physical card.

+ Added

### What you'll need to apply

1 unchanged line

− Removed

[Additional cardholder](#tab3)

+ Added

#### You must be

1 unchanged line

− Removed

Add 1 additional cardholder (16 years or older) at no extra cost.

+ Added

* Aged 18 or over AND
* Live at a fixed Australian address AND
* Receive a regular and verifiable Australian taxable income AND

1 unchanged line

− Removed

[Fraud protection](#tab4)

+ Added

**Meet one of the following requirements**

1 unchanged line

− Removed

 From verifying unusual transactions to our fraud money back guarantee, we aim to keep you [protected](/security/westpac-protect-centre/).

+ Added

* An Australian or New Zealand citizen OR
* An Australian permanent resident OR
* Hold a valid temporary residence visa, with a minimum of 1 year before expiry

1 unchanged line

− Removed

[Tools to stay on top](#tab5)

+ Added

See [eligible Australian visa (PDF)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/wbc-eligible-australian-visa-list.pdf "eligible Australian visa")

1 unchanged line

− Removed

These include options like [PartPay](/personal-banking/credit-cards/partpay/), [SmartPlan](/personal-banking/credit-cards/smartplan/), [Balance Transfers](/personal-banking/solutions/staying-credit-smart/using-balance-transfers/how-to-do-a-balance-transfer/), [Card Autopay](/personal-banking/online-banking/making-the-most/card-autopay/) and [SMS payment reminders](/faq/credit-card-reminder-set-up-app/).

+ Added

#### You'll need to provide

1 unchanged line

− Removed

[Personal Concierge Service](#tab6)

+ Added

* Proof of income
* Current debts and expenses

1 unchanged line

− Removed

Exclusive to Westpac Altitude Black cardholders, the Personal Concierge Service lets you browse and book experiences online, including hard-to-get tickets, last-minute restaurant bookings and more.

+ Added

#### Two of these ID documents

1 unchanged line

− Removed

[Find out more](https://westpac.tenconcierge.com/)

+ Added

* Passport
* Australian drivers' license
* Medicare card
* Australian birth certificate

1 unchanged line

− Removed

[Cashback and discounts](#tab7)

+ Added

### Frequently asked questions

1 unchanged line

− Removed

With a Westpac credit card, you'll get personalised cashback offers from [Westpac Extras](/personal-banking/credit-cards/westpac-extras/), Westpac bonus Cashback when you shop via the [Westpac Lounge](/personal-banking/online-banking/making-the-most/rewards-and-offers/offers/shopback/) on ShopBack, plus other discounts and offers from a wide range of shops, in-store and online.

+ Added

How do I register for the complimentary lounge passes?

1 unchanged line

− Removed

## Take control of your money within the Westpac App

+ Added

**Qantas Club Complimentary Invitations[](#disclaimer-6 "[#]")**  
If you choose Altitude Qantas, you are eligible for 2 Complimentary Invitations per year after you spend on eligible selected Qantas products and services[](#disclaimer-4 "[#]") each year using your Altitude Black Mastercard. You must first register and opt in to take advantage of this feature.  
[Register and opt in](https://loungepass.altitudeblack.com.au/default.aspx?appAction=exit "Register and opt in")

1 unchanged line

− Removed

Powerful money management tools in the palm of your hand.

+ Added

How does the Complimentary International Travel Insurance work and am I eligible for it?

1 unchanged line

− Removed

##### Get spend and cash flow insights

+ Added

You can obtain written confirmation of eligibility for cover for your overseas journey from the issuer of the insurance, AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited, based on the answers you give AGA, by applying online at: [checkyourcover.com.au/westpac](https://checkyourcover.com.au/westpac "checkyourcover.com.au/westpac"). If you provide AGA with incorrect answers to the questions we ask you, you may not be eligible for cover under the group policy issued to Westpac.[](#disclaimer-5 "[#]")

1 unchanged line

− Removed

Track your month-to-month [Cash flow](https://www.westpac.com.au/personal-banking/online-banking/insights-hub/spend-insights-and-budgeting-tools/) and spot areas where you could be making savings with your spend sorted in [Categories](https://www.westpac.com.au/personal-banking/online-banking/insights-hub/spend-insights-and-budgeting-tools/).

+ Added

What do the complimentary insurances cover?

1 unchanged line

− Removed

##### Manage your cards in one place

+ Added

**International Travel Insurance**[](#disclaimer-5 "[#]")(see policy for details)

1 unchanged line

− Removed

Order a new card, change your pin or temporarily lock your card if you misplace it, all in the app's convenient [Cards Hub](https://www.westpac.com.au/personal-banking/online-banking/making-the-most/cards-hub/).

+ Added

Access up to 6 months' complimentary cover for International Travel Insurance when you meet the eligibility criteria as set out in the Credit Card Complimentary Insurance Policy including prepaying $500 of your travel costs to your eligible card and holding a return overseas ticket before departing Australia, (see policy document for full eligibility criteria, terms, conditions, and exclusions).

1 unchanged line

− Removed

##### View and transfer funds fast

+ Added

**Overseas Transit Accident Insurance**[](#disclaimer-5 "[#]")

1 unchanged line

− Removed

[Quick Balance](https://www.westpac.com.au/personal-banking/online-banking/making-the-most/quick-balance/) lets you view the balance of three main accounts and quickly transfer money without signing in.

+ Added

Overseas Transit Accident Insurance covers against specified accidental death or injury when sustained overseas while riding, boarding or alighting as a passenger in a plane, bus, train or shorthaul ferry when you have purchased the tickets for the entire trip using your Credit Card before you leave (terms, conditions, exclusions and eligibility criteria apply).

1 unchanged line

− Removed

[ Explore our in-app's budgeting tools ](https://www.westpac.com.au/personal-banking/online-banking/insights-hub/spend-insights-and-budgeting-tools) [ Explore our in-app's budgeting tools ](https://www.westpac.com.au/personal-banking/online-banking/insights-hub/spend-insights-and-budgeting-tools)

+ Added

**Purchase Protection Insurance**[](#disclaimer-5 "[#]")

1 unchanged line

− Removed

## Standard rates and fees

+ Added

Access to up to 4 months Purchase Protection Insurance on eligible purchases, as set out in the Credit Card Complimentary Insurance Policy (terms, conditions, exclusions and eligibility criteria apply).

1 unchanged line

− Removed

 New cards only

+ Added

**Extended Warranty Insurance**[](#disclaimer-5 "[#]")

1 unchanged line

− Removed

[Follow these tips to minimise credit card fees and charges](/personal-banking/credit-cards/manage/fees-interest/minimising-fees/).

+ Added

Up to 24 months extended warranty insurance cover (in addition to the manufacturer's expressed Australian warranty) on a range of personal items purchased using your Credit Card (terms, conditions, exclusions and eligibility criteria apply).

1 unchanged line

− Removed

| Annual card fee            | $295                                                                                                                                                                                                                                                                                                                                                                                                                                                       |
| -------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Annual Rewards Program fee | $75                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
| Foreign transaction fee    | 3%  Payable as a percentage of the Australian dollar value of any foreign transaction.  Applies for transactions in a foreign currency, or in Australian dollars but processed by an overseas merchant or financial institution. Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia. [More about this fee](/personal-banking/credit-cards/manage/fees-interest/minimising-fees/). |
| Cash advance fee           | 3.5% of the value of the transaction will apply to each cash advance made on your card account. These charges will appear on your credit card statement directly below the relevant cash advance.                                                                                                                                                                                                                                                          |
| Missed payment fee         | $20 each statement cycle that the minimum monthly payment is not paid by the statement due date.                                                                                                                                                                                                                                                                                                                                                           |

+ Added

What is the Personal Concierge Service and how does it benefit me?

1 unchanged line

− Removed

## Compare our Qantas Credit Cards

+ Added

We've recently partnered with Ten Lifestyle Services. Westpac Altitude Black cardholders will now be able to browse and book experiences with ease, purchase hard-to-get tickets, make last-minute restaurant reservations and more, all online. You can find out more here (<https://westpac.tenconcierge.com/>), or reach our Lifestyle Managers on [1300 651 999](tel:1300651999 "1300 651 999") (option 4) for 24/7 personalised assistance.

1 unchanged line

− Removed

Compare features such as annual card fees, points earn rates and minimum credit limits to help you decide which Qantas Rewards credit card is right for you.

+ Added

What kind of businesses are included in the new ‘everyday spend’ category?

1 unchanged line

− Removed

[Compare our Qantas Rewards Credit Cards](/personal-banking/credit-cards/qantas-credit-cards/)

+ Added

Our 'everyday spend' category consists of 5 sub-categories: supermarkets, department stores, petrol stations, dining and utilities. Below is a list of examples of merchants included in these 5 categories:

1 unchanged line

− Removed

[](/personal-banking/credit-cards/reward/)

+ Added

* **Supermarkets** include stores such as Woolworths, Coles, IGA, Harris Farm and ALDI
* **Department stores** include stores such as Kmart, Target, Big W, David Jones and Myer
* **Petrol stations** include stores such as 7-Eleven, Shell, Ampol, Caltex and BP
* **Dining** includes restaurants, cafes, fast food, bars, hotels and entertainment venues
* **Utilities** include payments for water, gas, electricity, internet, mobile and streaming services (excluding BPAY® payments).

1 unchanged line

− Removed

[View all Rewards cards](/personal-banking/credit-cards/reward/)

+ Added

## You might be interested in

1 unchanged line

− Removed

[](/personal-banking/credit-cards/low-fee/)

+ Added

*   
### Altitude Rewards Black  
Our premium Altitude Rewards credit card gets you our highest Points earn rate, flexibility in how you redeem with Pay with Points, complimentary airport lounge access, insurances and more.  
[Find out more](/credit-cards/reward/altitude-rewards-black)
*   
### Altitude Velocity Black  
Our premier Velocity credit card could get you our highest Velocity Points earn rate as well as complimentary airport lounge access, seat upgrades, insurances and concierge.  
[Find out more](/credit-cards/reward/altitude-velocity-black)
*   
### Altitude Qantas Platinum  
Earn Qantas Points directly to your Qantas Frequent Flyer account and enjoy Platinum credit card benefits.  
[Find out more](/credit-cards/reward/altitude-qantas-platinum)
*   
### Altitude Rewards Platinum  
Enjoy Platinum Card benefits and the flexibility of Altitude Rewards. Choose from gift cards, merchandise or our unique 'Pay with Points’ feature.  
[Find out more](/credit-cards/reward/altitude-rewards-platinum)
*   
### Altitude Velocity Platinum  
Earn Velocity Points directly into your [Velocity Frequent Flyer](/credit-cards/velocity-credit-cards "Velocity Frequent Flyer") account and enjoy Platinum credit card benefits.  
[Find out more](/credit-cards/reward/altitude-velocity-platinum)

1 unchanged line

− Removed

[View Low Fee cards](/personal-banking/credit-cards/low-fee/)

+ Added

## Things you should know

1 unchanged line

− Removed

[](/personal-banking/credit-cards/)

+ Added

[Westpac Credit Cards Key Facts Sheet](/credit-cards/credit-cards-fact-sheet)

1 unchanged line

− Removed

[View all credit cards](/personal-banking/credit-cards/)

+ Added

[Credit Card Terms and Conditions (PDF)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-credit-card-terms-and-conditions.pdf)

1 unchanged line

− Removed

## Frequently asked questions

+ Added

[Altitude Terms and Conditions (PDF)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-altitude-terms-and-conditions.pdf)

1 unchanged line

− Removed

[How do I register for the complimentary lounge passes?](#tab1)

+ Added

[Westpac Credit Cards Complimentary Insurance Policy (PDF)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC%5FConsumer%5FCredit%5FCard%5FComp%5FInsurance%5FAllianz.pdf)

1 unchanged line

− Removed

##### Qantas Club Complimentary Invitations

+ Added

[PartPay Card Terms and Conditions (PDF)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/partpay%5Fcard%5Fterms%5Fand%5Fconditions.pdf)

1 unchanged line

− Removed

If you choose Altitude Qantas, you are eligible for 2 Complimentary Invitations per year after you spend on eligible selected Qantas products and services each year using your Altitude Black Mastercard. You must first register and opt in to take advantage of this feature.

+ Added

[ID checklist to become a customer (PDF)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/new-customer-checklist/Checklist%5FIndividualCustomers.pdf)

1 unchanged line

− Removed

[Register and opt in](https://loungepass.altitudeblack.com.au/default.aspx?appAction=exit)

+ Added

Credit criteria, fees and charges apply. Credit Card Product Switches, upgrades or Westpac group staff are ineligible.

1 unchanged line

− Removed

[How does the Complimentary International Travel Insurance work and am I eligible for it?](#tab2)

+ Added

This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

1 unchanged line

− Removed

You can obtain written confirmation of eligibility for cover for your overseas journey from the issuer of the insurance, AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited, based on the answers you give AGA, by applying online at: [checkyourcover.com.au/westpac](https://travel.agaassistance.com.au/westpac/travel-insurance). If you provide AGA with incorrect answers to the questions we ask you, you may not be eligible for cover under the group policy issued to Westpac.

+ Added

**Be credit savvy**: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.

1 unchanged line

− Removed

[What do the complimentary insurances cover?](#tab3)

+ Added

\[1\]

1 unchanged line

− Removed

##### International Travel Insurance(see policy for details)

+ Added

**Bonus Qantas Points Promotion Altitude Black**: Offer commenced 1st May 2026\. To be eligible for bonus Qantas Points, you must apply and be approved for a new Altitude Qantas Black credit card before the offer is withdrawn. You will receive an initial 90,000 bonus points if you spend $6k or more on eligible purchases within 90 days of card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria. In your second year, spend a minimum of $6k on eligible purchases within 90 days of your card opened date anniversary, and you'll earn an additional 60,000 bonus points. These additional points will be credited to your points balance within 12 weeks of meeting the spend criteria. If you do not meet the minimum spend in the first year, you forfeit the bonus points for the first year only, however you are still eligible for bonus points in the subsequent year if you meet the minimum spend in the subsequent year during the promotional period. Existing Westpac customers who currently hold an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card, or who have held one in the last 24 months, are not eligible for this offer. Qantas Points earned during a statement cycle are added to your Qantas Points balance on a monthly basis. Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account. Credit Card Product Switches, upgrades or Westpac group staff are ineligible for this offer. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

1 unchanged line

− Removed

 Access to up to 6 months' complimentary cover for International Travel Insurance when you meet the eligibility criteria as set out in the Credit Card Complimentary Insurance Policy including prepaying $500 of your travel costs to your eligible card and holding a return overseas ticket before departing Australia, (see policy document for full eligibility criteria, terms, conditions, and exclusions).

+ Added

[Return to footnote 1](#)

1 unchanged line

− Removed

##### Overseas Transit Accident Insurance

+ Added

\[2\]

1 unchanged line

− Removed

 Overseas Transit Accident Insurance covers against specified accidental death or injury when sustained overseas while riding, boarding or alighting as a passenger in a plane, bus, train or shorthaul ferry when you have purchased the tickets for the entire trip using your Credit Card before you leave (terms, conditions, exclusions and eligibility criteria apply).

+ Added

**Existing Customers Only - Reduced First year Card Fee for Altitude Qantas Black**: Offer commenced 1st May 2026\. The discounted first year Card Fee of $200 is available for existing Westpac customers when you apply and are approved for a new Altitude Black credit card before the offer is withdrawn. After the first year, the Card Fee reverts to $295 thereafter, and will be debited to your account annually on the 12-month anniversary of the Card Fee date. A $75 annual Rewards Program Fee still applies for Altitude Qantas if you choose these programs. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

1 unchanged line

− Removed

##### Purchase Protection Insurance

+ Added

[Return to footnote 2](#)

1 unchanged line

− Removed

 Access to up to 4 months Purchase Protection Insurance on eligible purchases, as set out in the Credit Card Complimentary Insurance Policy (terms, conditions, exclusions and eligibility criteria apply).

+ Added

\[3\]

1 unchanged line

− Removed

##### Extended Warranty Insurance

+ Added

**Eligible purchases** do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account.

1 unchanged line

− Removed

Up to 24 months extended warranty insurance cover (in addition to the manufacturer's expressed Australian warranty) on a range of personal items purchased using your Credit Card (terms, conditions, exclusions and eligibility criteria apply).

+ Added

[Return to footnote 3](#)

1 unchanged line

− Removed

[What is the personal concierge and how does it benefit me?](#tab4)

+ Added

\[4\]

1 unchanged line

− Removed

We've recently partnered with Ten Lifestyle Services. Westpac Altitude Black cardholders will now be able to browse and book experiences with ease, purchase hard-to-get tickets, make last-minute restaurant reservations and more, all online. You can [find out more here](https://westpac.tenconcierge.com/), or reach our Lifestyle Managers on [1300 651 999](tel:1300651999) (option 4) for 24/7 personalised assistance.

+ Added

**Qantas products and services**: Bonus Qantas Points earned on Qantas passenger flights (with a QF flight number) booked directly with Qantas, Qantas Club and Qantas Frequent Flyer memberships, when purchased from Qantas and charged as a domestic transaction only. Excludes Jetstar flights and services. You do not earn bonus points on Qantas Freight, Qantas Business Travel, Jetset Travelworld channels and Qantas Staff Travel, and on any international transactions, whether charged in Australian Dollars and/or in any foreign currency.

1 unchanged line

− Removed

## Keep exploring

+ Added

[Return to footnote 4](#)

1 unchanged line

− Removed

###  Credit card 101

+ Added

\[5\]

1 unchanged line

− Removed

* [Understanding credit cards](/personal-banking/solutions/staying-credit-smart/understanding-credit-cards/)
* [Platinum or Premium rewards credit cards?](/personal-banking/solutions/staying-credit-smart/earning-rewards/platinum-or-premium-rewards-credit-cards/)
* [How to compare rewards credit cards](/personal-banking/solutions/staying-credit-smart/earning-rewards/how-to-compare-rewards-credit-cards/)
* [Managing credit card debt](/personal-banking/credit-cards/debt/)

+ Added

**Complimentary insurance covers**: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible persons to claim under it as third party beneficiaries. Access to the benefit of cover under the Credit Card Complimentary Insurance is provided to eligible Westpac cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). If an eligible persons wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, limits and exclusions contained in the [Complimentary Insurance Policy Information booklet (PDF)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC%5FConsumer%5FCredit%5FCard%5FComp%5FInsurance%5FAllianz.pdf) which may be amended from time to time. This insurance is underwritten by Allianz. Westpac does not guarantee this insurance. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it.

1 unchanged line

− Removed

###  Travel and rewards

+ Added

[Return to footnote 5](#)

1 unchanged line

− Removed

* [Travel rewards credit card benefits](/personal-banking/solutions/staying-credit-smart/earning-rewards/rewards-cards-benefits-travel/)
* [Which credit card for travel?](/personal-banking/credit-cards/explore/choosing-a-credit-card-for-travel/)
* [Travelling overseas?](/personal-banking/credit-cards/manage/travelling-overseas-insurance/)

+ Added

\[6\]

1 unchanged line

− Removed

###  Handy articles and guides

+ Added

**Qantas Club Complimentary Lounge Invitations:** As a Westpac Altitude Black cardholder earning Qantas Points, you are eligible for two Qantas Club Complimentary Invitations within each 12-month period of your anniversary registration date when you register your Altitude Black card via [loungepass.altitudeblack.com.au](https://loungepass.altitudeblack.com.au/) and use your card in Australia to purchase selected Qantas products and services. Selected Qantas products and services are the following items purchased directly from Qantas: Qantas passenger flights (with a QF flight number), Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar, Qantas Holidays, Qantas branded non-airfare products and any Qantas products and services not purchased directly from Qantas.  
Qantas Club Complimentary Invitations will be made available within 14 business days of meeting eligible spend via the [Qantas Complimentary Invitations Portal](https://www.qantas.com/en-au/at-the-airport/lounges/passes), provided you are not in breach of the [Credit Card Terms and Conditions (PDF)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/Consumer%5FConditions%5Fof%5Fuse.pdf) and your account remains open. Log in to the portal using your Qantas Frequent Flyer account to access your invitation, link it with an eligible Qantas flight booking, or to find out more information. To receive your Complimentary Invitations, you must have provided Westpac with your Qantas Frequent Flyer Number. If you have not yet registered for your complimentary Qantas Frequent Flyer Membership, you may join at [qantas.com/ffjoinwestpac](https://www.qantas.com/au/en/frequent-flyer/discover-and-join/join-now.html/code/westpac).

1 unchanged line

− Removed

* [What is credit card purchase protection and extended warranty?](/personal-banking/solutions/staying-credit-smart/earning-rewards/credit-card-purchase-protection-and-extended-warranty/)
* [How to get the most of your rewards card](/personal-banking/solutions/staying-credit-smart/earning-rewards/how-to-get-the-most-of-your-rewards-credit-card/)
* [Smart ways to redeem Altitude Points](/personal-banking/credit-cards/explore/redeem-altitude-points/)
* [What is the concierge service on a credit card?](/personal-banking/solutions/staying-credit-smart/earning-rewards/what-is-credit-card-concierge/)

+ Added

Qantas Club Complimentary Invitations are provided courtesy of Westpac, and are valid for Qantas Club and Qantas operated International Business Lounges only (excluding Los Angeles Tom Bradley Airport lounge). Each Complimentary Lounge Invitations is valid for a single visit by one guest to a Qantas Club domestic lounge, Qantas International or Qantas International Business Lounge, and must not be used prior to expiry.

1 unchanged line

− Removed

Edit

+ Added

Access and use are subject to the [Complimentary Lounge Invitation Terms and Conditions](https://www.qantas.com/au/en/frequent-flyer/the-qantas-club/complimentary-invitations-terms-conditions.html) and the [Lounge Entry Terms and Conditions](https://www.qantas.com/au/en/qantas-experience/at-the-airport/airport-lounges/terms-conditions.html).

1 unchanged line

− Removed

### Get started

+ Added

[Return to footnote 6](#)

1 unchanged line

− Removed

Apply online

+ Added

\[7\]

1 unchanged line

− Removed

Apply now Apply now 
* [Already with Westpac ](https://www.ui.westpac.com.au/origin/etb0/content/secure-pers/credit-cards/qantas-rewards/altitude-qantas-black/summary "Already with Westpac") [Already with Westpac](https://www.cmsservices.westpac.com.au/app/banking/deeplink?screenId=externalRedirectorWithParams&param0=contentspa&param1=secure-pers%28%5F$%29credit-cards%28%5F$%29qantas-rewards%28%5F$%29altitude-qantas-black%28%5F$%29summary&targetpath=https%3A%2F%2Fwww.ui.westpac.com.au%2Forigin%2Fetb0%2Fcontent%2Fsecure-pers%2Fcredit-cards%2Fqantas-rewards%2Faltitude-qantas-black%2Fsummary "Already with Westpac")
* [Not yet with Westpac](/personal-banking/credit-cards/reward/altitude-qantas-black/summary/ "Not yet with Westpac") [Not yet with Westpac](/personal-banking/credit-cards/reward/altitude-qantas-black/summary/ "Not yet with Westpac")

+ Added

**Interest free period** is available when you pay the Closing Balance (or the Monthly Payment Balance if you have a Balance Transfer, a SmartPlan or a PartPay Card) in full by the payment due date.

1 unchanged line

− Removed

Telephone

+ Added

[Return to footnote 7](#)

1 unchanged line

− Removed

###### Give us a call

+ Added

\[8\]

1 unchanged line

− Removed

[ Contact us ](https://www.westpac.com.au/contact-us/?fid=GL:GPH:None:wbc:www:contact-us) [ Contact us ](https://www.westpac.com.au/contact-us/?fid=GL:GPH:None:wbc:www:contact-us)

+ Added

**Additional cardholder**: An additional credit card can be issued on the primary cardholder’s account to any nominated person 16 years or over. All transactions using the additional credit card will be the responsibility of the primary cardholder. All Altitude, Velocity or Qantas Points remain the benefit of the primary cardholder. No additional cardholders allowed on Flex Card.

1 unchanged line

− Removed

Search

+ Added

[Return to footnote 8](#)

1 unchanged line

− Removed

### Help me choose

+ Added

\[9\]

1 unchanged line

− Removed

Use the selector to find a card that's right for you.

+ Added

**If you choose to make any payment** in any category using an intermediary service (such as Afterpay, PayPal or similar services), these transactions will be categorised as 'all other purchases'. We classify transactions using information provided to us by the card scheme (Visa or Mastercard), which tells us about the main type of business conducted by the Merchant.

1 unchanged line

− Removed

[ Let’s begin ](/personal-banking/credit-cards/help-me-choose/) [ Let’s begin ](/personal-banking/credit-cards/help-me-choose/)

+ Added

[Return to footnote 9](#)

1 unchanged line

− Removed

## Things you should know

+ Added

**Rewards Points**: The earning and redemption of Qantas Points are subject to the [Altitude Terms and Conditions (PDF)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-altitude-terms-and-conditions.pdf). Purchases that are not eligible to earn Rewards Points are set out in the [Altitude Terms and Conditions (PDF)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-altitude-terms-and-conditions.pdf). You do not receive points if you have not paid the Minimum Payment Due in full and on time and in other circumstances. Points earnt for [PartPay (PDF)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/partpay%5Fcard%5Fterms%5Fand%5Fconditions.pdf) Purchases are based on the full value of the purchase, and not on each instalment amount. Qantas Points earned during a statement cycle are added to your respective Points balance on a monthly basis.

1 unchanged line

− Removed

[Westpac Credit Cards Key Facts Sheet](https://www.westpac.com.au/personal-banking/credit-cards/credit-cards-fact-sheet/)

+ Added

**Altitude Qantas**: In order to earn and redeem points, you must be a member of the relevant Frequent Flyer program. An annual $75 Rewards Program Fee applies for customers who choose this option.

1 unchanged line

− Removed

[ Pdf File Credit Card Terms and Conditions (PDF 264KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-credit-card-terms-and-conditions.pdf)

+ Added

**Concierge Services** for Altitude Black. Concierge services are provided by a third party supplier. For further details including terms and conditions visit [westpac.tenconcierge.com](https://westpac.tenconcierge.com/ "westpac.tenconcierge.com").

1 unchanged line

− Removed

[ Pdf File Altitude Terms and Conditions (PDF 117KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-altitude-terms-and-conditions.pdf)

+ Added

Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

1 unchanged line

− Removed

[ Pdf File Westpac Credit Cards Complimentary Insurance Policy (PDF 850KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC%5FConsumer%5FCredit%5FCard%5FComp%5FInsurance%5FAllianz.pdf)

+ Added

BPAY® is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518.

1 unchanged line

− Removed

[ Pdf File PartPay Card Terms and Conditions (PDF 96KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/partpay%5Fcard%5Fterms%5Fand%5Fconditions.pdf)

+ Added

## Not a Westpac customer

1 unchanged line

− Removed

[ Pdf File ID checklist to become a customer (PDF 657KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/new-customer-checklist/Checklist%5FIndividualCustomers.pdf)

+ Added

[ Apply now](#)

1 unchanged line

− Removed

Credit criteria, fees and charges apply. Credit Card Product Switches, upgrades or Westpac group staff are ineligible.

+ Added

## Already a Westpac customer

1 unchanged line

− Removed

This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

**Be credit savvy:** Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.

**†Eligible purchases** do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account.

**Rewards Points:** The earning and redemption of Altitude Points, Velocity Points and Qantas Points are subject to the [ Pdf File Altitude Terms and Conditions (PDF 117KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-altitude-terms-and-conditions.pdf). Purchases that are not eligible to earn Rewards Points are set out in the [ Pdf File Altitude Terms and Conditions (PDF 117KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-altitude-terms-and-conditions.pdf). You do not receive points if you have not paid the Minimum Payment Due in full and on time and in other circumstances. Points earnt for [ Pdf File PartPay (PDF 96KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/partpay%5Fcard%5Fterms%5Fand%5Fconditions.pdf) Purchases are based on the full value of the purchase, and not on each instalment amount. Qantas and Velocity Points earned during a statement cycle are added to your respective Points balance on a monthly basis.

The Westpac Extras program is subject to the [ Pdf File terms and conditions (PDF 164KB)](/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac%5Fextras%5Fterms%5Fand%5Fconditions.pdf) at [Westpac.com.au/extras](/personal-banking/credit-cards/westpac-extras/). Offers will also be subject to their own terms and conditions.

**\~ Bonus Qantas or Velocity Points Promotion Altitude Black:** Offer commenced 1st May 2026\. To be eligible for bonus Qantas or Velocity Points, you must apply and be approved for a new Altitude Qantas Black or Altitude Velocity Black credit card before the offer is withdrawn. You will receive an initial 90,000 bonus points if you spend $6k or more on eligible purchases within 90 days of card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria. In your second year, spend a minimum of $6k on eligible purchases within 90 days of your card opened date anniversary, and you'll earn an additional 60,000 bonus points. These additional points will be credited to your points balance within 12 weeks of meeting the spend criteria. If you do not meet the minimum spend in the first year, you forfeit the bonus points for the first year only, however you are still eligible for bonus points in the subsequent year if you meet the minimum spend in the subsequent year during the promotional period. Existing Westpac customers who currently hold an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card, or who have held one in the last 24 months, are not eligible for this offer. Qantas or Velocity Points earned during a statement cycle are added to your Qantas or Velocity Points balance on a monthly basis. Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account. Credit Card Product Switches, upgrades or Westpac group staff are ineligible for this offer. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

**<Existing Customers Only - Reduced First year Card Fee for Altitude Qantas Black and Altitude Velocity Black:** Offer commenced 1st May 2026\. The discounted first year Card Fee of $200 is available for existing Westpac customers when you apply and are approved for a new Altitude Black credit card before the offer is withdrawn. After the first year, the Card Fee reverts to $295 thereafter, and will be debited to your account annually on the 12-month anniversary of the Card Fee date. A $75 annual Rewards Program Fee still applies for Altitude Velocity and Altitude Qantas if you choose these programs. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

**<<If you choose to make any payment** in any category using an intermediary service (such as Afterpay, PayPal or similar services), these transactions will be categorised as ‘all other purchases’. We classify transactions using information provided to us by the card scheme (Visa or Mastercard), which tells us about the main type of business conducted by the Merchant.

**Altitude Velocity or Qantas**: In order to earn and redeem points, you must be a member of the relevant Frequent Flyer program. An annual $75 Rewards Program Fee applies for customers who choose this option.

**#** **Qantas products and services:** Bonus Qantas Points earned on Qantas passenger flights (with a QF flight number) booked directly with Qantas, Qantas Club and Qantas Frequent Flyer memberships, when purchased from Qantas and charged as a domestic transaction only. Excludes Jetstar flights and services. You do not earn bonus points on Qantas Freight, Qantas Business Travel, Jetset Travelworld channels and Qantas Staff Travel, and on any international transactions, whether charged in Australian Dollars and/or in any foreign currency.

**Concierge Services** for Altitude Black. Concierge services are provided by a third party supplier. For further details including terms and conditions visit [westpac.tenconcierge.com](https://westpac.tenconcierge.com/)

**1.** **Qantas Club Complimentary Lounge Invitations:** As a Westpac Altitude Black cardholder earning Qantas Points, you are eligible for two Qantas Club Complimentary Invitations within each 12-month period of your anniversary registration date when you register your Altitude Black card via [loungepass.altitudeblack.com.au](https://loungepass.altitudeblack.com.au/) and use your card in Australia to purchase selected Qantas products and services. Selected Qantas products and services are the following items purchased directly from Qantas: Qantas passenger flights (with a QF flight number), Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar, Qantas Holidays, Qantas branded non-airfare products and any Qantas products and services not purchased directly from Qantas.

Qantas Club Complimentary Invitations will be made available within 14 business days of meeting eligible spend via the [Qantas Complimentary Invitations Portal](https://www.qantas.com/en-au/at-the-airport/lounges/passes), provided you are not in breach of the [ Pdf File Credit Card Terms and Conditions (PDF 200KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/Consumer%5FConditions%5Fof%5Fuse.pdf) and your account remains open. Log in to the portal using your Qantas Frequent Flyer account to access your invitation, link it with an eligible Qantas flight booking, or to find out more information. To receive your Complimentary Invitations, you must have provided Westpac with your Qantas Frequent Flyer Number. If you have not yet registered for your complimentary Qantas Frequent Flyer Membership, you may join at [qantas.com/joinffwestpac](https://www.qantas.com/au/en/frequent-flyer/discover-and-join/join-now.html/code/westpac).

Access and use are subject to the [Complimentary Lounge Invitation Terms and Conditions](https://www.qantas.com/au/en/frequent-flyer/the-qantas-club/complimentary-invitations-terms-conditions.html) and the [Lounge Entry Terms and Conditions](https://www.qantas.com/au/en/qantas-experience/at-the-airport/airport-lounges/terms-conditions.html).

**2\. Interest free** **period** is available when you pay the Closing Balance (or the Monthly Payment Balance if you have a Balance Transfer, a SmartPlan or a PartPay Card) in full by the payment due date.

**4\. Complimentary insurance covers:** AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible persons to claim under it as third party beneficiaries. Access to the benefit of cover under the Credit Card Complimentary Insurance is provided to eligible Westpac cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). If an eligible persons wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, limits and exclusions contained in the [ Pdf File Complimentary Insurance Policy Information booklet (PDF 850KB)](/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC%5FConsumer%5FCredit%5FCard%5FComp%5FInsurance%5FAllianz.pdf) which may be amended from time to time. This insurance is underwritten by Allianz. Westpac does not guarantee this insurance. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it.

**5\. Additional cardholder:** An additional credit card can be issued on the primary cardholder’s account to any nominated person 16 years or over. All transactions using the additional credit card will be the responsibility of the primary cardholder. All Altitude, Velocity or Qantas Points remain the benefit of the primary cardholder. No additional cardholders allowed on Flex Card.

Read the [ Pdf File Apple Pay Terms and Conditions (PDF 160KB)](/content/dam/public/wbc/documents/pdf/pb/WBC-apple-pay-westpac-tcs.pdf) before making a decision and consider if it is right for you. To use Apple Pay you will need an eligible card and a compatible device with a supported operating system. See our [Apple Pay FAQs](/faq/apple-pay/) for more information. Apple, the Apple logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Read the [ Pdf File Samsung Pay Terms and Conditions (PDF 147KB)](/content/dam/public/wbc/documents/pdf/westpac-live/mobile-wallets/Samsung%5FPay%5FWBC%5FTandCs.pdf) before making a decision and consider if it is right for you. To use Samsung Pay you will need an eligible card and a compatible device with a supported operating system. See our [Samsung Pay FAQs](/personal-banking/mobile-wallets/samsung-pay/) for more information. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.

The [ Pdf File Google Pay Terms and Conditions (PDF 158KB)](/content/dam/public/wbc/documents/pdf/westpac-live/mobile-wallets/Westpac%5FGoogle%5FPay%5FTerms%5Fand%5FConditions.pdf) before making a decision and consider if it is right for you. To use Google Pay you will need an eligible card and a compatible device with a supported operating system. See our [Google Pay FAQs](/personal-banking/mobile-wallets/google-pay/) for more information. Google Pay is a trademarks of Google Inc.

**Westpac Fraud Money Back Guarantee** ensures that customers will be reimbursed for any unauthorised transactions provided that the customer has not contributed to the loss and contacted Westpac promptly. Refer to the card's [ Pdf File Terms and Conditions (PDF 264KB)](/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-credit-card-terms-and-conditions.pdf) for full details, including when a customer will be liable.

Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

BPAY® is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518.

+ Added

[ Sign in](#)

Start: 2026-08-27 02:58:57.000 UTC
Superseded: Current version
Last successful capture for offer: 2026-08-27 02:56:31.000 UTC

Imported Git source

Dates use Git commit times. HTML sources were cleaned to Markdown. Markdown and text sources retain their recorded format. Coverage may be incomplete.

markdown source · Recorded 2026-08-27 02:58:57.000 UTC · Commit 87a3eeefbfe5ba34893b4bb15504dcb765c0a1bb

Source pages and terms

https://www.westpac.com.au/personal-banking/credit-cards/reward/altitude-qantas-black/

Saved wording and terms

Rewards credit cards
Altitude Qantas Black

[Image: Altitude Qantas Black credit card]

Qantas Points

Altitude Qantas Black

Our premier Qantas credit card gets you a high Qantas Points earn rate as well as complimentary airport lounge access, insurances and concierge.

Important notice

From 30 September 2026, we're making changes to some Westpac Credit Card fees and rates, including updates to the Rewards Points program. Find out more

From 1 October 2026, we’re making changes to the Westpac Credit Cards Complimentary Insurance Policy. Find out more

You could earn up to 150,000 bonus Qantas Points

See full offer details below.

Already with Westpac? Sign in to apply and get a $200 first year card fee (reverts to $295 p.a. thereafter). A $75 annual Qantas Rewards Program fee still applies

Earn up to 1.2 Qantas Points per $1 spent on eligible purchases

Plus earn up to 1 bonus Qantas Point per $1 spent on selected Qantas products and services in Australia

Offer

Get up to 150,000 bonus Qantas Points

Get up to 150,000 bonus Qantas Points — 90,000 Qantas Points in year 1 if you spend $6k+ on eligible purchases within 90 days of new card approval and an extra 60,000 points with $6k+ spend on eligible purchases within 90 days of card anniversary in year 2.

Already with Westpac? Sign in to apply and get a $200 first year card fee (reverts to $295 p.a. thereafter). A $75 annual Qantas Rewards Program fee still applies.

Offer not available if you’ve held a Westpac credit card in the last 24 months. New cards only. Credit criteria and T&Cs apply.

Apply now

Features

'Double dip' for more Qantas Points - Whether you are purchasing groceries or stocking up on Qantas Wine, you can earn points twice when you use your Qantas Points earning credit card to do your shopping with Qantas and their partners.

Complimentary Insurances - Access to Interstate Flight Inconvenience Insurance and Rental Vehicle Excess in Australia cover, up to 6 months' complimentary cover for international travel insurance, plus extended warranty, purchase protection for up to 4 months and overseas transit accident insurance (terms, conditions, exclusions and eligibility criteria apply).

Complimentary Lounge passes - Relax before you fly with 2 complimentary Qantas Club airport lounge passes each year. See FAQs for how to redeem.

Up to 45 days interest-free - To give you more opportunity to avoid interest charges on your purchases. Note cash advances aren’t covered by this interest-free period.

Personal Concierge Service - Exclusive to Westpac Altitude Black cardholders, the Personal Concierge Service lets you browse and book experiences online, including hard-to-get tickets, last-minute restaurant bookings and more. Find out more

Cashback and discounts - With a Westpac credit card, you'll get personalised cashback offers from Westpac Extras, Westpac bonus Cashback when you shop via the Westpac Lounge on ShopBack, plus other discounts and offers from a wide range of shops, in-store and online.

Tools to stay on top - These include options like PartPay, SmartPlan, Balance Transfers, Card Autopay and SMS payment reminders.

Additional cardholder - Add 1 additional cardholder (16 years or older) at no extra cost.

How to earn points?

1.2	Qantas Points per $1 on international spend
0.8	Qantas Points per $1 on everyday spend
0.5	Qantas Points per $1 spend on all other purchases

Once you spend $10,000 in a statement cycle, you will earn 0.25 Qantas Points per $1 on further eligible purchases.

Rates and minimum requirements

New cards only.
Variable purchase rate	20.99% p.a.
Variable cash advance rate	21.99% p.a.
Minimum credit limit	$6,000
Minimum income required	$75,000 p.a.

Fees

New cards only.
Annual card fee	$295
Annual Altitude Qantas Rewards Program fee	$75
Foreign transaction fee	3%Payable as a percentage of the Australian dollar value of any foreign transaction.Applies for transactions in a foreign currency, or in Australian dollars but processed by an overseas merchant or financial institution.Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia. More about this fee.
Cash advance fee	3.5% of the value of the transaction will apply to each cash advance made on your card account.These charges will appear on your credit card statement directly below the relevant cash advance.
Missed payment fee	$20 each statement cycle that the minimum monthly payment is not paid by the statement due date.

For more information about credit card fees.

What you'll need to apply

You must be

Aged 18 or over AND
Live at a fixed Australian address AND
Receive a regular and verifiable Australian taxable income AND

Meet one of the following requirements

An Australian or New Zealand citizen OR
An Australian permanent resident OR
Hold a valid temporary residence visa, with a minimum of 1 year before expiry

See eligible Australian visa (PDF)

You'll need to provide

Proof of income
Current debts and expenses

Two of these ID documents

Passport
Australian drivers' license
Medicare card
Australian birth certificate

Frequently asked questions

How do I register for the complimentary lounge passes?

Qantas Club Complimentary Invitations
If you choose Altitude Qantas, you are eligible for 2 Complimentary Invitations per year after you spend on eligible selected Qantas products and services each year using your Altitude Black Mastercard. You must first register and opt in to take advantage of this feature.
Register and opt in

How does the Complimentary International Travel Insurance work and am I eligible for it?

You can obtain written confirmation of eligibility for cover for your overseas journey from the issuer of the insurance, AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited, based on the answers you give AGA, by applying online at: checkyourcover.com.au/westpac. If you provide AGA with incorrect answers to the questions we ask you, you may not be eligible for cover under the group policy issued to Westpac.

What do the complimentary insurances cover?

International Travel Insurance(see policy for details)

Access up to 6 months' complimentary cover for International Travel Insurance when you meet the eligibility criteria as set out in the Credit Card Complimentary Insurance Policy including prepaying $500 of your travel costs to your eligible card and holding a return overseas ticket before departing Australia, (see policy document for full eligibility criteria, terms, conditions, and exclusions).

Overseas Transit Accident Insurance

Overseas Transit Accident Insurance covers against specified accidental death or injury when sustained overseas while riding, boarding or alighting as a passenger in a plane, bus, train or shorthaul ferry when you have purchased the tickets for the entire trip using your Credit Card before you leave (terms, conditions, exclusions and eligibility criteria apply).

Purchase Protection Insurance

Access to up to 4 months Purchase Protection Insurance on eligible purchases, as set out in the Credit Card Complimentary Insurance Policy (terms, conditions, exclusions and eligibility criteria apply).

Extended Warranty Insurance

Up to 24 months extended warranty insurance cover (in addition to the manufacturer's expressed Australian warranty) on a range of personal items purchased using your Credit Card (terms, conditions, exclusions and eligibility criteria apply).

What is the Personal Concierge Service and how does it benefit me?

We've recently partnered with Ten Lifestyle Services. Westpac Altitude Black cardholders will now be able to browse and book experiences with ease, purchase hard-to-get tickets, make last-minute restaurant reservations and more, all online. You can find out more here (https://westpac.tenconcierge.com/), or reach our Lifestyle Managers on 1300 651 999 (option 4) for 24/7 personalised assistance.

What kind of businesses are included in the new ‘everyday spend’ category?

Our 'everyday spend' category consists of 5 sub-categories: supermarkets, department stores, petrol stations, dining and utilities. Below is a list of examples of merchants included in these 5 categories:

Supermarkets include stores such as Woolworths, Coles, IGA, Harris Farm and ALDI
Department stores include stores such as Kmart, Target, Big W, David Jones and Myer
Petrol stations include stores such as 7-Eleven, Shell, Ampol, Caltex and BP
Dining includes restaurants, cafes, fast food, bars, hotels and entertainment venues
Utilities include payments for water, gas, electricity, internet, mobile and streaming services (excluding BPAY® payments).

You might be interested in

[Image]

Altitude Rewards Black

Our premium Altitude Rewards credit card gets you our highest Points earn rate, flexibility in how you redeem with Pay with Points, complimentary airport lounge access, insurances and more.
Find out more

[Image]

Altitude Velocity Black

Our premier Velocity credit card could get you our highest Velocity Points earn rate as well as complimentary airport lounge access, seat upgrades, insurances and concierge.
Find out more

[Image]

Altitude Qantas Platinum

Earn Qantas Points directly to your Qantas Frequent Flyer account and enjoy Platinum credit card benefits.
Find out more

[Image]

Altitude Rewards Platinum

Enjoy Platinum Card benefits and the flexibility of Altitude Rewards. Choose from gift cards, merchandise or our unique 'Pay with Points’ feature.
Find out more

[Image]

Altitude Velocity Platinum

Earn Velocity Points directly into your Velocity Frequent Flyer account and enjoy Platinum credit card benefits.
Find out more

Things you should know

Westpac Credit Cards Key Facts Sheet

Credit Card Terms and Conditions (PDF)

Altitude Terms and Conditions (PDF)

Westpac Credit Cards Complimentary Insurance Policy (PDF)

PartPay Card Terms and Conditions (PDF)

ID checklist to become a customer (PDF)

Credit criteria, fees and charges apply. Credit Card Product Switches, upgrades or Westpac group staff are ineligible.

This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.

[1]

Bonus Qantas Points Promotion Altitude Black: Offer commenced 1st May 2026. To be eligible for bonus Qantas Points, you must apply and be approved for a new Altitude Qantas Black credit card before the offer is withdrawn. You will receive an initial 90,000 bonus points if you spend $6k or more on eligible purchases within 90 days of card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria. In your second year, spend a minimum of $6k on eligible purchases within 90 days of your card opened date anniversary, and you'll earn an additional 60,000 bonus points. These additional points will be credited to your points balance within 12 weeks of meeting the spend criteria. If you do not meet the minimum spend in the first year, you forfeit the bonus points for the first year only, however you are still eligible for bonus points in the subsequent year if you meet the minimum spend in the subsequent year during the promotional period. Existing Westpac customers who currently hold an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card, or who have held one in the last 24 months, are not eligible for this offer. Qantas Points earned during a statement cycle are added to your Qantas Points balance on a monthly basis. Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account. Credit Card Product Switches, upgrades or Westpac group staff are ineligible for this offer. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

Return to footnote 1

[2]

Existing Customers Only - Reduced First year Card Fee for Altitude Qantas Black: Offer commenced 1st May 2026. The discounted first year Card Fee of $200 is available for existing Westpac customers when you apply and are approved for a new Altitude Black credit card before the offer is withdrawn. After the first year, the Card Fee reverts to $295 thereafter, and will be debited to your account annually on the 12-month anniversary of the Card Fee date. A $75 annual Rewards Program Fee still applies for Altitude Qantas if you choose these programs. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

Return to footnote 2

[3]

Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account.

Return to footnote 3

[4]

Qantas products and services: Bonus Qantas Points earned on Qantas passenger flights (with a QF flight number) booked directly with Qantas, Qantas Club and Qantas Frequent Flyer memberships, when purchased from Qantas and charged as a domestic transaction only. Excludes Jetstar flights and services. You do not earn bonus points on Qantas Freight, Qantas Business Travel, Jetset Travelworld channels and Qantas Staff Travel, and on any international transactions, whether charged in Australian Dollars and/or in any foreign currency.

Return to footnote 4

[5]

Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible persons to claim under it as third party beneficiaries. Access to the benefit of cover under the Credit Card Complimentary Insurance is provided to eligible Westpac cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). If an eligible persons wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, limits and exclusions contained in the Complimentary Insurance Policy Information booklet (PDF) which may be amended from time to time. This insurance is underwritten by Allianz. Westpac does not guarantee this insurance. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it.

Return to footnote 5

[6]

Qantas Club Complimentary Lounge Invitations: As a Westpac Altitude Black cardholder earning Qantas Points, you are eligible for two Qantas Club Complimentary Invitations within each 12-month period of your anniversary registration date when you register your Altitude Black card via loungepass.altitudeblack.com.au and use your card in Australia to purchase selected Qantas products and services. Selected Qantas products and services are the following items purchased directly from Qantas: Qantas passenger flights (with a QF flight number), Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar, Qantas Holidays, Qantas branded non-airfare products and any Qantas products and services not purchased directly from Qantas.
Qantas Club Complimentary Invitations will be made available within 14 business days of meeting eligible spend via the Qantas Complimentary Invitations Portal, provided you are not in breach of the Credit Card Terms and Conditions (PDF) and your account remains open. Log in to the portal using your Qantas Frequent Flyer account to access your invitation, link it with an eligible Qantas flight booking, or to find out more information. To receive your Complimentary Invitations, you must have provided Westpac with your Qantas Frequent Flyer Number. If you have not yet registered for your complimentary Qantas Frequent Flyer Membership, you may join at qantas.com/ffjoinwestpac.

Qantas Club Complimentary Invitations are provided courtesy of Westpac, and are valid for Qantas Club and Qantas operated International Business Lounges only (excluding Los Angeles Tom Bradley Airport lounge). Each Complimentary Lounge Invitations is valid for a single visit by one guest to a Qantas Club domestic lounge, Qantas International or Qantas International Business Lounge, and must not be used prior to expiry.

Access and use are subject to the Complimentary Lounge Invitation Terms and Conditions and the Lounge Entry Terms and Conditions.

Return to footnote 6

[7]

Interest free period is available when you pay the Closing Balance (or the Monthly Payment Balance if you have a Balance Transfer, a SmartPlan or a PartPay Card) in full by the payment due date.

Return to footnote 7

[8]

Additional cardholder: An additional credit card can be issued on the primary cardholder’s account to any nominated person 16 years or over. All transactions using the additional credit card will be the responsibility of the primary cardholder. All Altitude, Velocity or Qantas Points remain the benefit of the primary cardholder. No additional cardholders allowed on Flex Card.

Return to footnote 8

[9]

If you choose to make any payment in any category using an intermediary service (such as Afterpay, PayPal or similar services), these transactions will be categorised as 'all other purchases'. We classify transactions using information provided to us by the card scheme (Visa or Mastercard), which tells us about the main type of business conducted by the Merchant.

Return to footnote 9

Rewards Points: The earning and redemption of Qantas Points are subject to the Altitude Terms and Conditions (PDF). Purchases that are not eligible to earn Rewards Points are set out in the Altitude Terms and Conditions (PDF). You do not receive points if you have not paid the Minimum Payment Due in full and on time and in other circumstances. Points earnt for PartPay (PDF) Purchases are based on the full value of the purchase, and not on each instalment amount. Qantas Points earned during a statement cycle are added to your respective Points balance on a monthly basis.

Altitude Qantas: In order to earn and redeem points, you must be a member of the relevant Frequent Flyer program. An annual $75 Rewards Program Fee applies for customers who choose this option.

Concierge Services for Altitude Black. Concierge services are provided by a third party supplier. For further details including terms and conditions visit westpac.tenconcierge.com.

Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

BPAY® is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518.

Not a Westpac customer

Apply now

Already a Westpac customer

Snapshot record

Snapshot ID: 871
Cleaning version: git-markdown:1
Review completed: Not yet reviewed
SHA-256: d0159de140273f287ef7cc20a525fc5f628791812c9b7b0b354bf95ffdc03adf