The Westpac Altitude Qantas Black Credit Card has up to 120,000 Qantas Points for new cardholders until 30 April 2025. The card is aimed at those who want a decent earn rate on spending. The card comes with a larger card fee, but also with added benefits.
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The bonus is split into two parts. You will receive the first 90,000 bonus Qantas Points after spending a minimum of $6,000 on eligible purchases within the first 120 days of approval. Plus an additional 30,000 bonus Qantas Points after making your first eligible purchase in your second year.
Points earn rates from the Westpac Qantas Black Card
The Qantas Black Card lets you earn Qantas Points on spending at a rate of 0.75 Qantas Point per $1 on eligible purchases capped at $250,000 annually with bonus Qantas Points not included in the cap.
The card has an ongoing card fee of $295 p.a. plus $75 annual Altitude Qantas program fee.
Card Details
| Card | Westpac Qantas Black |
| Loyalty program | Qantas Frequent Flyer |
| Points earned from spend | Earn 0.75 Qantas Points per $1 up to a maximum of $250,000 spent on eligible purchases annually. Bonus Qantas Points not included in the cap. |
| Travel benefits | 2 x Qantas Club invitations per year |
| Included insurances | Extended Warranty & International Travel Insurance (PDS) |
| Overseas transaction fee | 3.0% of the converted amount |
| Mobile wallet | Apple Pay, Google Pay and Samsung Pay |
| Minimum income requirement | $75,000 p.a. |
| Card Fee | $295 p.a. + ($75 annual Qantas Rewards fee) |
Airport Lounge Access Benefits
The Westpac Altitude Qantas Black comes with two digital single-entry Qantas Club invitations. These passes can be used at any Qantas Club (domestic) or Qantas International Business Class lounge. The passes are sent after your first Card spend on selected Qantas products and services. These are defined as Qantas flights or Qantas Frequent Flyer or Qantas Club joining and membership fees.
Note: You must first register and then make the applicable card spend directly with Qantas to receive the lounge passes.
It is a useful lounge access benefit for those who don’t travel in Business often.
Included insurances and other benefits
The Card comes with travel and extended warranty insurance coverage. As we say with every credit card guide, the value of each card’s insurance can only really be assessed by you looking at the PDS. Subsequently, you must then decide whether it is a fit for your needs. Read the full PDS here for the Westpac Qantas Black here.
This guide references some of the benefits of insurance policies provided with this card.
You should read the PDS and obtain independent professional advice before obtaining this product.
You’ll also gain access to Westpac Concierge which are on-call 24/7 to fulfil your requests and give some useful restaurant or ticket reservation shortcuts, amongst other potential uses.
Altitude Qantas vs Altitude Rewards
The Altitude Card range offers a choice of program partners. These include Qantas Frequent Flyer, Velocity Frequent Flyer or Westpac’s own loyalty program Altitude Rewards.
Note that there is an annual $75 Rewards fee if you select Altitude Qantas or Altitude Velocity. There is no fee for Altitude Rewards.
When choosing the Altitude Qantas or Altitude Velocity over Altitude Rewards, you’ll need to consider the different earn rates of each currency. You should also consider transfer rates to partner programs. Our full guide to Altitude Rewards offers more detail about the program’s benefits.
In short, points can be transferred into Virgin Australia Velocity, Singapore Airlines KrisFlyer and Cathay Pacific Asia Miles. The transfer rate for all three programs is 3 Altitude Rewards points to 1 frequent flyer program point/mile.
The choice between Altitude Qantas Black, Altitude Velocity Black or Altitude Rewards Black is dependent on your personal points-earning preference.
You might find the sign-up bonus from the Card to be more valuable with the Altitude Qantas variant. However, the Altitude Rewards variant offers greater flexibility in terms of transfer partners.
Westpac Apple Pay, Google Pay & Samsung Pay support
Westpac cards support Apple Pay, Google Pay & Samsung Pay, meaning you can use this card on your smartphone for easier payments. Find out more in our guides for each of the compatible services.
Summing up: the Westpac Qantas Black
Westpac is one of the few financial institutions that offer all three types of variants for a card. A direct-earn Qantas, direct-earn Velocity and a flexible rewards program.
The hardest choice to make is which variant is best suited to you. Obviously, if you mostly concentrate on earning Qantas Points, Altitude Qantas is likely to be your best bet. Conversely, if you are looking for flexibility in reward partners, Altitude Rewards may be more your style.
This Qantas variant, however, will not disappoint. The Card comes has a fairly competitive earn rate (although not best in market) and other perks. These include lounges passes, which can be great for infrequent travellers that don’t hold Qantas status.
Overall, if you are after a Qantas earning credit card, this is definitely one to consider.
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