Important disclosure

Westpac Banking Corporation Ltd

Westpac Altitude Black (Altitude Qantas)

  • Apple, Google & Samsung Pay
  • Balance transfer
  • Instant approval

Bonus Points

Earn up to 120,000 bonus Qantas Points.

To be eligible for up to 120,000 bonus Qantas Points, you must apply and be approved for a new Altitude Black credit card between 15th June 2023 and 1st November 2023. Receive 120,000 bonus Qantas points - 90,000 Qantas Points in year 1 if you spend $6,000 within 120 days of new card approval and an extra 30,000 points if you keep your account open in the second year and continue to use your card. Offer excludes customers who hold/held any Westpac Rewards credit card in the last 12 months T&Cs apply

Purchase Rate

19.99%

p.a

Balance Transfer Rate

0%

p.a

Tags
  • Apple, Google & Samsung Pay
  • Balance transfer
  • Instant approval
Purchase Rate

19.99%

p.a

Balance Transfer Rate

0%

p.a

Annual Fee

$150

for 12 months then $295 thereafter

Pros and cons

For Altitude Black (Altitude Qantas)

Benefits

  • Rewards Available through Qantas Frequent Flyer
  • Extra 120,000 points subject to eligibility conditions
  • $150 annual fee in the first 12 months and $295 p.a thereafter.
  • Ability to convert large purchases into instalment plans
  • Apple Pay, Google Pay and Samsung Pay available
  • Domestic travel insurance
  • International travel insurance
  • Free supplementary cards
  • Extended warranty
  • Rental car excess insurance
  • Concierge
  • Airport lounge
  • Fraud protection
  • Transit accident insurance
  • Purchase protection insurance

Drawbacks

  • Higher than average ongoing variable purchase rate
  • Higher than average ongoing annual fee

Westpac Rate Credit card overview

For Altitude Black (Altitude Qantas)

Details

Card Level

Premium

Card Type

MasterCard

Interest Free Days

45

Minimum monthly repayment

2% or $10

Minimum credit limit

$15k

Maximum credit limit

$75k

Free supplementary cards

Instant Approval

Target Market Determination

Visit Westpac Banking Corporation Ltd to view Target Market Determination.

Fees

Annual Fee

$150

for 12 months then $295 thereafter

Annual Fee Spend Waiver

Supplementary card annual fee

$0

Late Payment Fee

$15

Over limit fee

$15

Duplicate statement fee

$2

Electronic Wallet Service

Important Rates

Rates

Purchase Rate

19.99%

p.a

Cash advance rate

21.49%

Cash advance fee

2% or $2.5

Balance Transfer

Balance Transfer Rate

0%

p.a

Transfer Limit

$75k

max card limit

Balance Transfer Fee

Overseas spending

Foreign Exchange Fee

3% on Mastercard

Overseas charges

$2.5

Estimated ATM Cost

$11.5

for AU $300 withdrawal

Rewards

Program name

Qantas Frequent Flyer

Rewards Available

Gift Card, Domestic Flights, International Flights, Flight Upgrades, Qantas Shop, Qantas Hotels

Eligibility

Minimum age

18

Minimum income

$75k

Eligibility conditions

You have a regular, verifiable income

Residency

Perks

  • DOMESTIC TRAVEL INSURANCE
  • 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 1 additional cardholder (16 years or older) can be added at no extra cost
  • 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
  • CONCIERGE
  • AIRPORT LOUNGE 2 complimentary Qantas Club airport lounge passes. Available after you spend on eligible selected Qantas products and services each year using your Altitude Black Mastercard. You must first register and opt in to take advantage of this feature.
  • FRAUD PROTECTION
  • TRANSIT ACCIDENT INSURANCE
  • PURCHASE PROTECTION INSURANCE Cover lasts for 120 days per year
Specials
  • Bonus Points Earn up to 120,000 bonus Qantas Points.
    To be eligible for up to 120,000 bonus Qantas Points, you must apply and be approved for a new Altitude Black credit card between 15th June 2023 and 1st November 2023. Receive 120,000 bonus Qantas points - 90,000 Qantas Points in year 1 if you spend $6,000 within 120 days of new card approval and an extra 30,000 points if you keep your account open in the second year and continue to use your card. Offer excludes customers who hold/held any Westpac Rewards credit card in the last 12 months T&Cs apply

Other Restrictions

Annual fee includes Qantas Rewards fee of $75

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  • Balance transfer
Purchase Rate

19.99%

p.a

Annual Fee

$1200

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Rewards Black

  • Apple, Google & Samsung Pay
  • Balance transfer

Bonus Points

180,000 extra ANZ Reward Points and $150 back to your new ANZ Rewards Black credit card when you spend $3,000 on eligible purchases in the first 3 months from approval.*
Purchase Rate

20.99%

p.a

Annual Fee

$375

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Qantas World Mastercard

  • Google Pay
  • Balance transfer
Purchase Rate

19.99%

p.a

Annual Fee

$270

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More Free Days

Altitude Black (Altitude Rewards)

  • Apple, Google & Samsung Pay
  • Balance transfer
  • Instant approval

Bonus Points

Earn 150,000 bonus Altitude Points.
Purchase Rate

19.99%

p.a

Annual Fee

$150

for 12 months then $295 thereafter