Westpac Altitude Qantas Black

credit card

Altitude Qantas Black is a credit card from Westpac, as the bank publishes it in its product data. Its purchase rate is 23.98% and its card fee $295 a year.

What the feed states

Purchase rate

23.98%

Cash advance rate

23.99%

Interest-free days

up to 45

Card fee

$295 a year (Annual Card Fee)

Fee offer

Existing Reduced First year Card Fee

Foreign transaction fee

3% of the transaction

Cash advance fee

3.5%

Late payment fee

$20

Rewards programme

Altitude Qantas

Sign-up offer

150000 Get up to 150,000 bonus Qantas Points and 50 Status Credits - 90,000 Qantas Points in year 1 and 50 Status Credits if you spend $9k+ on eligible purchases within 90 days of new card approval and an extra 60,000 points with $9k+ spend on eligible purchases within 90 days of card anniversary i…

Complimentary insurance

Complimentary insurance; Complimentary travel insurances

Digital wallets

Garmin Pay, Apple Pay, Google Pay, Samsung Pay

Instalment plans

offered

Additional cardholders

up to 1

Credit limit

$6,000 to $75,000

Minimum income

$75,000 a year

Minimum age

18

Scheme

Mastercard

Conditions and offers

• credit limit $6,000 to $75,000
• rewards programme fee $155 a year on top of the card fee
• minimum income $75,000 a year
• offers for new cards only; not if you held any Westpac credit card in the last 24 months
• earn falls to 0.25 Qantas Points per $1 once $10,000 is spent in a statement cycle
• existing Westpac customers: $200 card fee in the first year, then $295

Who can apply, in the bank's words

• Customer having a regular, verifiable Australian taxable income.
• Customer having a fixed, verifiable residential address in Australia.

About this card

Our premier Qantas credit card gets you a high Qantas Points earn rate as well as complimentary airport lounge access, insurances and concierge.

Data

• Westpac's own page for this card.
• The issuer's documents its feed links to: terms and conditions, fees, eligibility.
• Our verbatim snapshot of the bank's product record (source), as fetched on 2026-10-30.
• The issuer's Key Facts Sheet.
• /au/finance/credit-cards/v1/brands/westpac.json: this issuer's cards as JSON; Westpac's page lists them.
• The bank last updated this record on 2026-10-29; the dataset's data is as of 2026-11-12. Rates are per annum as the issuer states them; "stale" means the bank has not updated the record for over 180 days.

Other cards at Westpac

• Altitude Black Rewards World Mastercard credit card, 23.98%, $295 a year
• Altitude Business Gold credit card, 20.24%, $150 a year
• Altitude Business Platinum credit card, 20.24%, $200 a year
• Altitude Qantas Platinum credit card, 23.98%, $175 a year
• Altitude Rewards Platinum credit card, 23.98%, $175 a year
• Altitude Velocity Black credit card, 23.98%, $295 a year
• Altitude Velocity Platinum credit card, 23.98%, $175 a year
• BusinessChoice Everyday credit card, 14.25%, $75 a year
• BusinessChoice Rewards Platinum credit card, 20.24%, $150 a year
• Lite Card credit card, 9.90%, $108 a year
• Low Fee Card credit card, 20.99%, $30 a year
• Low Rate Card credit card, 13.74%, $84 a year