Up to 150,000 bonus Qantas Points + 50 Status Credits with the Westpac Altitude Qantas Black Credit Card

Card Overview

Westpac is offering up to 150,000 bonus Qantas Points + 50 Status Credits for new cardholders of the Westpac Altitude Qantas Black. New cardholders will receive 90,000 Qantas Points + 50 Status Credits when you spend $6,000 or more on eligible purchases within 90 days of approval and an additional 60,000 Qantas Points after spending $6,000 on eligible purchases within 90 days of card anniversary in year 2. This card also earns up to 1.5 Qantas Points per $1 spent on eligible purchases, and includes two Qantas Club Complimentary Lounge Invitations each year plus complimentary international travel insurance. The annual card fee is $295, plus a $155 Qantas Rewards program fee.

Westpac Altitude Qantas Black - up to 150,000 Qantas Points + 50 Status Credits
FIND OUT MORE & APPLY

Point Hacks may receive a commission from the card issuer for each applicant of this card More about this.

Financially reviewed by Michael Ebstein — Written by Daniel Sciberras and published | Last updated

Our review process

Our Review Process

Point Hacks' content is created, fact-checked, and reviewed by qualified experts across credit cards, loyalty programs, personal finance, and travel rewards.

This article went through a multi-step process led by our Editors, Financial Reviewers, Loyalty Specialists, and Compliance Advisors to ensure accuracy, clarity, and practical value for Australian travellers.

We continuously update our content to reflect:

  • New credit-card offers & bonus points
  • Changes to airline and bank reward programs
  • Shifts in redemption availability and points valuations
  • Regulatory updates in the finance space
  • Real-world traveller data from our community

Our Editorial Team

Michael Ebstein

CERTIFIED FINANCIAL REVIEWER

Daniel Sciberras

PR MANAGER & MEDIA SPOKESPERSON

Signup bonus

Up to 150,000 bonus Qantas Points + 50 Status Credits

Signup Bonus

Annual fee

$450 p.a.

Annual Fee

Loyalty program

Qantas Frequent Flyer

Loyalty Program

Key Attributes

Earn

Qantas Points Per $1

1.5 points

on international spend

0.8 points

on everyday spend

0.4 points

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

Travel Benefits

Travel Insurance

Complimentary International Medical Travel Insurance and Complimentary Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia (PDS)

Qantas Lounge

2 Qantas Club Complimentary Lounge Invitations each year

Global Data Roaming

Complimentary 3GB global data roaming plan for 15 days with FlexiRoam

Flight Delay Access Pass

Complimentary lounge access if your flight is delayed by 120 minutes or more

Bonus Minimum Spend

$12,000

$6,000 spend in the first 90 days, plus another $6,000 in the 90 days after your first card anniversary.

Annual Fee

$450 p.a.

$295 + $155 annual Qantas Rewards fee

Points Cap

Yes

Up to $10,000 per statement cycle, then 0.25 points per $1 on all other purchases

ATO Points

No

Overseas Transaction Fee

3%

of converted amount

Interest-free period

Up to 45 days

Purchase Rate

23.98% p.a.

Cash Advance Rate

23.99% p.a.

Why Choose This Card

This card stands out as a strong option for Qantas Frequent Flyers who are looking for meaningful rewards without diving into ultra-premium annual fees.

The card delivers a competitive earn rate (1.5 Qantas Points per $1 on international purchases and 0.8 per $1 on everyday spend), providing solid value for those spending across both domestic and overseas transactions.

We also appreciate the practical travel perks: two single entry Qantas Club Complimentary Lounge Invitations each year give you access to lounges (even if you don’t hold status or fly premium class regularly), which is a useful benefit that many cards at this fee level don’t offer.

Finally, the inclusion of Complimentary International Medical Travel Insurance and Complimentary Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia, Complimentary Global Data Roaming by FlexiRoam, Flight Delay Access Pass and access to the card’s concierge service add layers of value beyond just points, helping to make the annual fee feel more worthwhile.

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.

Eligibility Criteria

These are the minimum requirements to be eligible to apply for this Card. Other additional eligibility criteria, such as proof of income, will generally be required later on.

  • Be aged 18 years or over

  • Be an Australian citizen, permanent resident, or hold a long-term visa

  • Have a good credit history and no payment defaults

  • Minimum income required of $75,000 p.a.

  • To be eligible for the bonus offer, you must not hold, or have held, an Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas or Velocity in the last 24 months

Where could 150,000 Qantas Points take you?

You could redeem them for the following:

Los Angeles, the elegant way

Los Angeles, the elegant way

Fly to Los Angeles with Qantas Points.

A taste of Tokyo

A taste of Tokyo

Fly to Tokyo with Qantas Points.

Extra Benefits

Complimentary Insurance

Complimentary Insurance

Complimentary International Medical Travel Insurance and Complimentary Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia (PDS)

Mobile Wallet

Mobile Wallet

Apple Pay, Google Wallet and Samsung Pay

New cardholders of the Westpac Altitude Qantas Black Credit Card can earn up to 150,000 bonus Qantas Points and 50 Status Credits. 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.

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

The bonus Qantas Points are split into two parts. You will receive 90,000 bonus Qantas Points when you spend $6,000 on eligible purchases within 90 days of card approval and an additional 60,000 bonus Qantas Points when you spend $6,000 on eligible purchases within 90 days of your card opened date anniversary.

Qantas Points earn rates from the Westpac Altitude Qantas Black Credit Card

The Westpac Altitude Qantas Black Credit Card lets you earn Qantas Points on spending up to 1.5 Qantas Points per $1 on eligible purchases capped at $10,000 per statement period.

The card has an ongoing card fee of $295 p.a. plus $155 annual Altitude Qantas Rewards fee.

Card Details

CardWestpac Altitude Qantas Black Credit Card
Loyalty programQantas Frequent Flyer
Points earned from spend1.5 Qantas Points per $1 on international spend
0.8 Qantas Points per $1 on everyday spend, and
0.4 Qantas Points per $1 on all other purchases
Capped at $10,000 per statement cycle, then 0.25 Qantas Points per $1 afterwards
Travel benefits2 x Qantas Club Complimentary Lounge Invitations per year
Included insurancesComplimentary International Medical Travel Insurance
Complimentary Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia

(effective 1 October)
International Product Disclosure Statements
Domestic Complimentary Insurance Policy Information Booklet
Overseas transaction fee3.0% of the converted amount
Mobile walletApple Pay, Google Pay and Samsung Pay
Minimum income requirement$75,000 p.a.
Card Fee$295 p.a. + ($155 annual Qantas Rewards Program fee)

Airport Lounge Access Benefits

The Westpac Altitude Qantas Black comes with two digital single-entry Qantas Club Complimentary Lounge 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.

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.

Complimentary Global Data Roaming by FlexiRoam

The Card can access one complimentary 3GB global data roaming plan, valid for 15 days and usable across more than 150 countries. You can choose between a physical SIM or an eSIM, depending on what your device supports.

The key thing to understand is that this benefit is issued per Card Account, not per cardholder. Because primary and additional cardholders on a Westpac credit card share the same card number, one plan is available to the account each calendar year, but additional cardholders don’t receive their own. Terms and conditions apply.

Included Insurances and other Benefits

Westpac restructured the complimentary insurance on this card in October 2026. The Card comes with Complimentary International Medical Travel Insurance, Complimentary Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia. But extended warranty, purchase protection, and trip cancellation, travel delay and luggage cover are no longer included, and you'll need to activate the international medical policy before you leave Australia.

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 PID and deciding whether it is a fit for your needs.

This guide references some of the benefits of insurance policies provided with this card. Ensure you read the Westpac Credit Card International Product Disclosure Statements (effective 1 October) and Westpac Credit Cards Domestic Complimentary Insurance Policy Information Booklet (effective 1 October) before using the complimentary travel insurance on your card.

Flight Delay Access Pass

You and up to four travelling companions may also be eligible for complimentary access to over 1,800 participating airport lounges worldwide if your registered flight is delayed by 120 minutes or more, under the Complimentary Flight Delay Access Pass. Each flight needs to be registered separately, and there's no cap on how many you can register.

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.

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 Altitude Qantas Black Credit Card

The Westpac Altitude Qantas Black Credit Card will not disappoint. The Card has a fairly competitive earn rate and include lounge access, which can be great for infrequent travellers that don’t hold Qantas status.

Overall, if you are after a Qantas Points-earning credit card, this is definitely one to consider.

See Provider For TMD and T&Cs.

Frequently Asked Questions

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

To be eligible, you’ll need to meet residency or visa/Medicare requirements, have a return overseas travel ticket, be under 81 and spend at least $500 on prepaid travel costs using the accountholder’s card before you leave Australia. You’ll also need to activate your cover before leaving Australia through the Westpac App, Online Banking or Allianz Global Assistance.

What do the complimentary insurances cover?

The card includes Complimentary International Medical Travel Insurance, and Complimentary Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia.

Can I access lounges with this card?

Yes, you can, with 2 Qantas Club Complimentary Lounge Invitations included with the card. You’ll need to register, and then use your Altitude Qantas Black Card in Australia to purchase selected Qantas products and services directly with Qantas.

Who is eligible for the sign-up bonus?

The sign-up bonus points offer is not available if you’ve held an Altitude Platinum or Altitude Black card with Altitude, Qantas or Velocity in the previous 24 months.

What happens if I don’t meet the bonus points spend requirement?

If you don’t meet the initial spend requirement, you will forfeit the first part of the bonus points and Status Credits. However, you’ll still be eligible for the second-year bonus if you continue to use the card and meet the eligibility criteria.

Can I add additional cardholders?

Yes, you can add one additional cardholder at no extra cost. Points earned by the supplementary cards will flow to the primary cardholder’s Qantas Frequent Flyer account.

Images on This Page