Electronic Wallet Service
|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 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
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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.
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