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Westpac Altitude Black Credit Card (Qantas)
Highlights
- Receive up to 120,000 bonus Qantas Points. Get 90,000 points upon spending $6,000 in the initial 90 days from the account approval date. Additionally, receive 30,000 points after making your eligible purchase in the second year.
- Earn 0.75 points for every $1 spent on eligible domestic and overseas purchases.
- Earn 2x points on purchases at merchant partners like Woolworths, BP, and over 900 brands at Qantas Marketplace, helping you rack up points faster.
- Redeem your earned points for flights, upgrades, shopping, and more.
- Get 2 Qantas lounge passes each year, perfect for adding comfort to your travels.
Pros and cons
Pros
Cons
About this credit card
Basics
Card usage
Apple Pay Enabled
Yes
Card Type
Mastercard
Gambling Transactions Allowed
Yes
Samsung Pay Enabled
Yes
Eligibility
Joint Application Accepted
No
Minimum Age
18 years
Minimum Credit Rating
Good, Very Good, Excellent
Minimum Income
$75,000.00
Temporary Residents Accepted
Yes
Additional cardholders
Additional Cardholders
1
Additional Card Fee Ongoing
$0.00
Credit limits
Minimum Credit Limit
$15,000.00
Maximum Credit Limit
$75,000.00
Repayments
Interest Charged From
Purchase date
Interest Free Period
Up to 45 days on purchases
Minimum Repayment Percentage
3%
Balance transfers
Balance transfer offer
Balance Transfer Rate
N/A
Balance Transfer Period
N/A
Balance Transfer Fee Percentage
N/A
Balance transfer conditions
Balance Transfer From Personal Loan
N/A
Balance Transfer Limit Percentage
N/A
Balance Transfer Revert Rate
N/A
Rates, fees, charges
Cash advances
Cash Advance Rate
21.99% p.a.
Cash Advance Fee
N/A
Cash Advance Fee Percentage
3%
Cash Advance Fee Threshold
N/A
Purchases
Purchase Rate Introductory Offer
N/A
Purchase Rate Introductory Period
N/A
Purchase Rate Ongoing
20.99% p.a.
Account fees
Annual Fee Initial Year
N/A
Annual Fee Ongoing
$295.00
Dishonour Fee
N/A
Duplicate Statement Fee
N/A
Foreign Exchange Fee Percentage
3%
Late Payment Fee
$15.00
Rewards
Rewards program basics
Rewards Program
Qantas Frequent Flyer
Rewards Program Annual Fee Initial Year
$75.00
Rewards Points Expiry
None
Rewards points per $1 spent
Domestic Rewards Points Earn Rate
0.75
Government Rewards Points Earn Rate
N/A
Overseas Rewards Points Earn Rate
0.75
Additional perks
Insurance
Cardholder's Domestic Hotel Burglary Insurance
No
Cardholder's Extended Warranty Insurance
Yes
Cardholder's International Travel Insurance
Yes
Cardholder's Interstate Flight Inconvenience
Yes
Cardholder's Personal Item Theft Cover
No
Cardholder's Price Protection Insurance
No
Cardholder's Purchase Protection Insurance
Yes
Cardholder's Refund Protection
No
Cardholder's Transport Accident Insurance
Yes
Travel and lifestyle
Airport Lounge Access Included
Yes
Concierge Service Included
Yes
Complimentary Flight Voucher Included
No
Complimentary QFF Membership Included
No
History
User reviews
Convenience
Customer service
Rates and fees
Rewards
Trust
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