Altitude Black (Altitude Qantas)
Bonus PointsEarn 80,000 bonus Qantas Points when you spend $4,000 on eligible purchases within 90 days of approval. Exclusions apply.
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Foreign Exchange Fee
3% on Mastercard
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Qantas Frequent Flyer
Gift Card, Domestic Flights, International Flights, Flight Upgrades, Qantas Shop, Qantas Hotels
|0.75 points for $1 spent||Mastercard||uncapped||eligible domestic and overseas purchases|
- Free Domestic Travel Insurance
- Free International Travel Insurance Available for covers up to $20,000 for loss or damage to personal property, $550 for loss or damage to travel documents and $2.5 million of personal liability cover
- Free Supplementary Cards
- Purchase Protection Insurance Cover lasts for 120 days per year
- Extended Warranty Warranty is extended for the same duration as the original warranty up to 2 years.
- Rental Car Excess Insurance Covers up to $5500
- Bonus Points Earn 80,000 bonus Qantas Points when you spend $4,000 on eligible purchases within 90 days of approval. Exclusions apply.Offer ends 31st March 2019. Offer excludes customers who hold/held any Westpac Rewards credit card in the last 12 months
Annual fee includes Qantas Rewards fee of $50
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Westpac has been around longer than any other bank in Australia and is also the country’s oldest company.
It was first established in 1817 as the Bank of New South Wales. Following a series of mergers and acquisitions, in 1982 it changed names to Westpac Banking Corporation.
It’s now one of the big four banks in Australia, with almost 14 million customers, 1400+ branches, 39,000 staff and close to 4000 ATMs.
Westpac also has an extensive range of credit cards.
The Westpac Altitude Black (Altitude Qantas) credit card has a high interest rate, high annual fee, moderate number of interest-free days and a moderately high minimum credit limit.
Westpac Altitude Black (Altitude Qantas) customers can earns Qantas points for spending on eligible purchases, which can be redeemed for Qantas flights, upgrades and other purchases through the Qantas store.
Cardholders also receive a limited number of complimentary airport lounge visits per year, have access to personal concierge services and are covered by extended complimentary insurance coverage.
Additionally, one supplementary cardholder (16 years and over) is allowed at no extra cost. There is no balance transfer deal associated with this card.
Customers who connect the card to a Westpac Mobile Wallet can leave it at home and make tap-and-pay purchases in-store using a smartphone. Transactions are also protected by Westpac’s Fraud Money Back Guarantee.
- Frequent flyer points
- Complimentary insurance
- Free additional cardholder
- High interest rate
- High annual fee
- No balance transfer offer
Who is it good for?
This card would suit current Qantas Frequent Flyer members who travel often, spend a lot on their credit card and pay it off each month. Although the rewards program and complimentary insurance would be beneficial to travellers, this card also comes with overseas spending fees – so it isn’t particularly suitable for international transactions.
Those wishing to add a supplementary cardholder (such as couples) may be drawn to the Westpac Altitude Black card’s allowance for an additional cardholder at no extra cost.
There is no balance transfer offer associated with this card, so it isn’t a very good option for those wanting to carry over existing debt from another card. It also isn’t especially appropriate for people wanting to minimise fees and debt due to its high annual fee and high interest rate.
What RateCity says
The Westpac Altitude Black (Altitude Qantas) credit card comes with a number of benefits for a specific subset of potential customers – those who travel regularly, spend a lot and always pay off their balance on time. For these customers, this card offers the potential to save on flights, travel expenses and insurance.
However, this card’s high annual fee and high interest rate mean it’s probably only suitable for people who would make the most of these particular advantages. For others, it may be a better option to shop around for a card that offers better value for money, a lower interest rate or a more varied rewards program.
Similarly, if you are planning to transfer and pay off debt from another card, there are other cards available with more attractive and cost-effective balance transfer deals.
To be eligible for the Westpac Altitude Black (Altitude Qantas) card, you need to be at least 18 years of age and an Australian permanent resident living in Australia. It is also recommended that you earn a minimum annual income of $75,000. When applying, you’ll need to provide personal details, proof of ID, employment details and proof of reliable income such as bank statements or payslips. Applications can be completed online or by visiting a branch in person.
About the lender
Westpac is Australia’s oldest bank and one of the country’s big four financial institutions. Personal finance products offered by Westpac include credit cards, bank accounts, savings accounts, personal loans, car loans and home loans. Customers can access 24-hour service through the bank’s phone support line and online services. Customers’ banking needs can also be managed through the Westpac internet banking portal and mobile app, or by visiting one of the bank’s branches.
Credit cards aren’t something you want to collect unnecessarily. If you’ve paid the balance off or have upgraded to a new credit card, it’s important to cancel your old cards to avoid any additional fees. Unless you’re doing a balance transfer, you’ll need to pay the outstanding balance before you cancel your credit card. If you’ve opted for a card with reward points, make sure you redeem or transfer the points before you close your account. To avoid any bounced payments and save yourself an admin headache, redirect all your direct debits to a new card or account. Once you’ve done all the preparation, call your bank or credit card provider to get the cancellation underway. Once you receive a confirmation letter, destroy your card and make sure the numbers aren’t legible.
The numbers on your credit card actually follow a universal standard which is used to identify specific functions. Each credit card has a different amount of numbers: Visa and Mastercard have 16, American Express has 15 and Diner’s Club has 14. The first number on a credit card always identifies what type of credit card it is. Visa cards start with a 4, whereas Mastercard starts with a 5 and American Express with a 3. The remainder of the digits represent the account number, including the last number which is used to verify that your credit card is actually valid. Credit cards also have additional verification numbers, which are mainly used when the card isn’t present for phone and online purchases. These are the three-digit numbers on the back of Visa and MasterCard or the four-digit numbers on the front of an American Express card.
Credit card debt can cripple your finances. If you’re wondering how to get rid of credit card debt, here are a few steps to get you back in the black:
Calculate your debt – Knowing the magnitude of your credit debt is important. Online credit debt calculators make it easy to determine the debt size, and repayments required.
Work out a repayment plan – Take some time to formulate a credit repayment plan. Consider increasing your income, scaling back your lifestyle or refinancing.
Talk to your credit provider – If you’re still struggling with your debt, talk to your credit provider. You may be able to come to a new arrangement.
Credit cards are a personal responsibility, so the reasons behind getting a credit card should also be personal.
You should always consider all the pros and cons of taking out a credit card before you sign on the dotted line.
For example, pros include the fact that credit cards can be a good way of paying for purchases, earning rewards points and building a credit history.
But there are also cons – credit cards can be expensive and put a lot of financial pressure on you.
You need to consider your personal finances and your lifestyle choices. Do you need a credit card? What options are out there for me? Can I handle the repayments? Why am I getting a credit card in the first place?