Altitude Black (Altitude Qantas)
- Last updated on 31 Mar 2020
ING Orange One
specialNo Annual Fee. No international transaction fees for shopping online and overseas when you deposit $1000+ each month to your ING account and complete more than 5 card purchases
Join the thousands choosing the low rate, no annual fee credit card. T&C's Apply
Balance Transfer Rate
Max Free Days
- Free domestic travel insurance
- Free international travel insurance
- Free supplementary cards
- Purchase protection insurance
- Extended warranty
- Rental car excess insurance
Number free supplementary
Interest Free Days
Interest Free Days
Maximum credit limit
Late Payment Fee
Minimum credit limit
Over limit fee
Minimum repayment dollars
Duplicate statement fee
Minimum repayment percent
Supplementary card annual fee
Cash advance rate
Balance Transfer Rate
Balance Transfer Rate
Balance Transfer Fee
Foreign Exchange Fee
3% on Mastercard
Estimated ATM Cost
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
Annual fee includes Qantas Rewards fee of $50
Compare and review credit cards with similar features
Westpac is not only the oldest bank in Australia, but it's 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 has an extensive range of credit cards, as well as home loans, personal loans, card loans and much more. Its subsidiaries include St. George Bank, Bank of Melbourne and BankSA.
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.
- Calculate your debt. Credit card calculators make it easy to determine the repayments required to chip away at your debt in the shortest timeframe possible for your budget.
- Repayment plans. 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, give your credit provider a call. You may be able to come to a new arrangement.
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.
Credit cards are a personal responsibility, so getting a credit card is up to your specific financial wants and needs. As a hypothetical, ask yourself if you could afford repayments on the maximum credit limit offered by a credit card you may be interested in.
Also, consider all the pros and cons of taking out a credit card before you sign on the dotted line. Pros include the fact that credit cards can be a good way of paying for purchases, earning rewards points and building a credit history. Cons include how credit cards can be expensive and put a lot of financial pressure on you.
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.