Credit Card Compare

Westpac Altitude Qantas Black

Data last updated 20 July 2026
20.99%
Purchase rate
$295
Annual fee
150,000
Bonus points

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Westpac Altitude Qantas Black card
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You may have seen us in
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CardIQ

40Fair

Fair

Overall score, out of 100 · How this works

  • Airport lounge36
  • Frequent flyer40
  • Qantas Points40
  • Rewards36
  • Sign-up bonus55
  • Travel34

Customer reviews

No reviews yet. Be the first to review the Westpac Altitude Qantas Black.

Pros & cons

What's good

  • 150,000 bonus Qantas Points to start, worth around $1,800 at our 1.2c-per-point valuation.
  • Complimentary airport lounge access.
  • Earns 0.8 points per $1 on bonus categories and 1.2 points per $1 on overseas spend.
  • No fee to add an additional cardholder.

Worth noting

  • The $295 annual fee is toward the top of the market (the median is $70).
  • The 20.99% p.a. purchase rate sits in the most expensive quarter of cards (the median is 18.99% p.a.) if you carry a balance.
  • Earns 0.5 points per $1 on everyday spend, below the dataset average.
  • The 0.5-point rate on other purchases applies only to the first $10,000 spent each statement period, then drops to 0.25 points per $1.

Card details

The basics

Additional cardholder fee
$0 p.a.
Card tier
Black
Card type
Mastercard
Card use
Personal
Credit limit
$6,000 – $75,000
Credit rating
Good
Rewards program
Qantas Frequent Flyer

Eligibility

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

Rates & fees

Ongoing interest rates

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

Fees

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

Repayments

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

Balance transfers

This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

Earn rate

Everyday spend
None
Bonus categories
0.8 pts per $1 in bonus categories
Other purchases
0.5 pts per $1 on other purchases, up to $10,000 per statement period
Overseas spend
1.2 pts per $1 on overseas spend
ATO/government
None
Reduced rate above monthly cap
0.25 pts per $1 above $10,000 per statement period
Points cap
Uncapped
Points expiry
Points don't expire while your account is open and in order.

Sign-up bonus

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

Also available

  • Earn Velocity Frequent Flyer points

Same card, different loyalty program. You choose at signup.

Where these points could take you

Auckland
Flying Qantas non-stop, using Qantas points. Economy 20,700 pts, Premium Economy 32,600 pts, Business 43,600 pts.
London
Flying Qantas via Singapore, using Qantas points. Economy 63,500 pts, Premium Economy 124,700 pts, Business 166,300 pts.
Los Angeles
Flying Qantas non-stop, using Qantas points. Economy 48,200 pts, Premium Economy 97,600 pts, Business 130,100 pts.
Singapore
Flying Qantas non-stop, using Qantas points. Economy 29,000 pts, Premium Economy 61,600 pts, Business 82,100 pts, First 123,100 pts.

Flights you could book with the sign-up bonus plus a year of spending $3,000 a month on this card. One-way from Sydney or Melbourne, one adult, before taxes and carrier charges. Award prices and seat availability change.

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Sign-up bonus$1,800Top 10% (6th of 59 cards)
Overseas fee3.00%Better than most (53rd of 200 cards)
Rewards value$216 a yearMiddle of the market (54th of 95 cards)
Purchase rate20.99%Not as good as most cards (125th of 196 cards)
Interest-free days45 daysNot as good as most cards (126th of 192 cards)
Annual fee$295 a yearNot as good as most cards (163rd of 200 cards)

Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Sources

Credit Card Compare
Australian credit card statisticsHow CardIQ scores cards
Government
Product reference data (Consumer Data Right)
Issuer
Westpac
Program
Qantas Frequent Flyer