Review: Westpac Altitude Qantas Black Mastercard Credit Card [2022]

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Executive Traveler may receive a commission when you apply for these credit cards through our links.

The information provided on this page is purely factual and general in nature. You should seek independent advice and consider your personal circumstances before subscribing to any financial product.

FF program

Qantas Frequent Flyer

Sign-up bonus

120,000 bonus Qantas Points

Annual fees

$250 (+$50/year Qantas Rewards fee)

Interest rate

19.99% per year on purchases
21.49% per annum in cash

Remarks
Good
  • Each year, benefit from two free visits to the airport lounges
The bad
  • Additional fee of $50/year to earn Qantas rewards
Added value
  • Bonus offer of 120,000 Qantas Points for eligible new customers

Introduction

Is 120,000 bonus points, the ability to earn Qantas Frequent Flyer points on every purchase, free lounge access and global travel insurance right for you?

These are just some of the perks you can unlock with the Westpac Altitude Qantas Black Mastercard.

Linked directly to your Qantas Frequent Flyer account, so there’s no need to convert or transfer points, the Altitude Qantas Black Card allows you to instantly earn 0.75 Qantas Points for every dollar up to a maximum of $250,000 per membership year.

As an added sweetener, there’s also an offer of 120,000 Qantas Points when you apply and spend $6,000 on qualifying purchases within the first four months of approval.

That could be enough to book an award flight from Sydney to Los Angeles, excluding applicable exchange taxes, traveling in style in Qantas business class.

Executive Traveler puts Westpac Altitude Qantas Black Mastercard under the microscope to see how its value stacks up in 2022.

Westpac Altitude Qantas Black Mastercard Highlights

  • Annual subscription : $250 (existing Westpac customers can take advantage of a $150 card fee rebate in the first year)
  • Qantas Rewards Fees: $50/year (billed in addition to base card fee)
  • Additional cardholder fees: $0
  • Interest rate on purchases: 19.99% per year
  • Interest-Free Days on Purchases^: Up to 45
  • Interest rate on cash advances: 21.49% per annum (0% per annum for 24 months on balance transfers for new cardholders)
  • International transaction fees: 3.0%
  • Minimum income to apply: $75,000 per year
  • Minimum credit limit: $15,000

Earn now, travel sooner

Altitude Qantas Black gives you the chance to earn Qantas Points every time you make a purchase, although this attracts a surcharge Fee of $50 per year. But when you see how many Qantas Points you can earn, it’s worth it.

To give you a head start, there are 120,000 bonus Qantas Points if you apply between July 1 and December 31, 2022 and spend $6,000 on qualifying purchases within the first four months of approval.

That’s 90,000 points received within 12 weeks of meeting the minimum spend criteria, plus an additional 30,000 points after your first qualifying purchase in year two.

If your main focus is on Qantas Classic Flight Rewards, those 120,000 points might turn out to be very handy when booking your next flight.

For example, on popular east coast routes Sydney-Melbourne or Sydney-Brisbane, these bonus Qantas Points could offer three Business Class return journeys at Classic Flight Reward fares..

And day-to-day spending on qualifying purchases with the Qantas Altitude Black Card earns you 0.75 Qantas Points for $1 (up to an annual cap of $250,000 or 187,500 Qantas Points).

Compared to other Westpac Rewards credit cards, such as the Altitude Rewards Black, the number of actual loyalty points earned per dollar spent is more generous when you choose Qantas.

Qantas Black Altitude Travel Insurance

Overseas trips of six months or less can be covered by Westpac’s free insurance offer – underwritten by Allianz – provided you hold a return ticket and charge at least AUD 500 of travel expenses. eligible travel on your Altitude Black card before leaving Australia.

This amount may include your flights, all airport and departure taxes, prepaid accommodation, or any “overseas itinerary element” such as an organized tour. So it may be possible to book your flights using points and just prepay for a night or two. accommodation, to benefit from the coverage.

Other insurance coverage

On the home front, a wide range of other insurance coverage comes with the card, including transit accident insurance; insurance against the inconvenience of interstate flights; purchase security, extended warranty and “price match” coverages; and even rental car excess coverage of up to $5,500 when renting in Australia.

Additional benefits

Access to the airport lounge

Westpac Altitude Qantas Black cardholders are entitled to two Qantas Club lounge passes per year; these are valid at all domestic Qantas Clubs and Qantas International Business Class Lounges (excluding Los Angeles).

Personal concierge

With complimentary 24/7 concierge service, all you need to do is reserve a table at your favorite restaurant, book plane tickets, or book accommodations for your next getaway.

Payments

All Westpac reward credit cards are compatible with Google Pay, Apple Pay and Samsung Pay, so you can install your Westpac Altitude Qantas Black credit card on your smartphone for easy, instant payments.

Westpac Altitude Black credit card: the verdict

With an annual fee of $250, the Westpac Altitude Qantas Black Mastercard appeals to big spenders and frequent travelers, and can quickly pay for itself for those willing to take full advantage of its benefits.

This list includes two free visits to airport lounges, a $250,000 annual cap on frequent flyer points, and the long list of insurance coverages, which can help you save time.

You can apply for the Westpac Altitude Black credit card here.

Westpac Altitude Black Credit Card: FAQs

How do I receive complimentary airport lounge passes from my Westpac Altitude Qantas Black credit card?

To receive your free lounge passes, you must first provide Westpac with your Qantas Frequent Flyer number. Once you have reached the qualifying spend, you will receive your Free Qantas Club Invitations via the Qantas Free Invitations Portal.

What are the Westpac Altitude Qantas Black credit card missed payment charges?

You will be charged $15 each statement cycle if the minimum monthly payment is not paid on time.


Bank Disclaimers: ^Interest Free Period is the maximum number of days that no interest is charged on new purchases. If your account has an interest-free period for purchases, to qualify for this interest-free period, you must pay the “monthly payment balance” shown on your account statement (not the full closing balance) by the due date. applicable payment due date. .

Disclaimer

Executive Traveler may receive a commission when you apply for these credit cards through our links.

The information provided on this page is purely factual and general in nature. You should seek independent advice and consider your personal circumstances before subscribing to any financial product.


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