ANZ Frequent Flyer Black vs Westpac Altitude Qantas Black

Compare ANZ Frequent Flyer Black, Westpac Altitude Qantas Black side by side: annual fees, interest rates, rewards and eligibility to find the right card for you.

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Side-by-side comparison of ANZ Frequent Flyer Black vs Westpac Altitude Qantas Black.
	ANZ Frequent Flyer Black	Westpac Altitude Qantas Black

Card details

CardIQ

How we calculate scores

Overall	39Basic	40Fair Highest
Airport lounge	34/100	36/100Highest
Balance transfer	31/100	–
Frequent flyer	42/100Highest	40/100
Qantas Points	42/100Highest	40/100
Rewards	37/100Highest	36/100
Sign-up bonus	56/100Highest	55/100
Travel	31/100	34/100Highest

The basics

Card tier	Black	Black
Card type	Visa	Mastercard
Credit rating	Good	Good
Rewards program	Qantas Frequent Flyer	Qantas Frequent Flyer
Credit limit	$15,000 – $100,000	$6,000 – $75,000

Eligibility

Minimum age	18 years old	18 years old
Minimum income	Not specified	$75,000 p.a.
Residency	Australian citizen or permanent resident	Australian citizen or permanent resident
Joint application	No	No
Temporary residents	Eligible	Not eligible
Instant approval	Yes (~60 seconds)	Yes (~60 seconds)

Repayments

Interest-free period	Up to 44 days	Up to 45 daysHighest
Minimum repayment	2% of the closing balance or $25, whichever is greater	2% of the closing balance or $10, whichever is greater

Rates & fees

Ongoing interest rates

Purchases	20.99% p.a.	20.99% p.a.
Cash advances	21.99% p.a.	21.99% p.a.

Fees

Annual fee	$370 p.a.	$295 p.a.Lowest
Monthly fee	—	—
Additional cardholder fee	$65	$0Lowest
Cash advance fee	3% of the amount	3.5% of the amount
Foreign transaction fee	3.5%	3%Lowest
Late payment fee	$20	$20

Rewards

How many points could you earn?

Enter your monthly spend to see estimated annual points for each card below.

Earn rate

Everyday spend	1 pt per $1 up to $7,500 per statement period	None
Bonus categories	None	0.8 pts per $1 in bonus categories
Other purchases	None	0.5 pts per $1 on other purchases, up to $10,000 per statement period
Overseas spend	None	1.2 pts per $1 on overseas spend
ATO/government	None	None
Reduced rate above monthly cap	0.5 pts per $1 above $7,500 per statement period	0.25 pts per $1 above $10,000 per statement period
Points cap	Uncapped	Uncapped
Points expiry	Points don't expire while your account is open and in order.	Points don't expire while your account is open and in order.
Estimated annual points	116,000 ptsWorth $1,392	168,000 ptsWorth $2,016Highest

Sign-up bonus

Sign-up bonus	80,000 points	150,000 pointsHighest
Bonus spend required	—	—

Related comparisons

Sources

Credit Card Compare: How CardIQ scores cards
Government: Product reference data (Consumer Data Right)
Issuers: ANZWestpac
Program: Qantas Frequent Flyer