Westpac Altitude Qantas Black Review (2026)
Westpac Altitude Qantas Black Review (2026)Offer and details verified 1 October 2026
Rates can change without notice. Last verified: 1 October 2026 (AEST). Please confirm details on the bank’s official page.
Bonus Qantas Points
150,000
90k yr1 + 60k yr2
Annual fee
$295
$200 first year + $155 QFF
Min spend (yr1 bonus)
$6k
within 90 days
Westpac changed this card on 30 September 2026. The earn rates are lower, dining now earns at the lowest rate, and the Qantas Rewards Program fee and purchase rate went up. The fees and earn rates on this page are the new ones. Existing cardholders pay the new program fee from their next card fee date.
Current Offer
The Westpac Altitude Qantas Black earns Qantas Points directly — no conversion needed. The current offer launched on 1 May 2026 and splits 150,000 bonus points across two years, with the same $6,000 spend requirement applied each year.
| Milestone | Bonus points | Requirement |
|---|---|---|
| Year 1 bonus | 90,000 pts | Spend $6,000 within 90 days of approval |
| Year 2 bonus | 60,000 pts | Spend $6,000 within 90 days of card anniversary |
| Total | 150,000 pts | Over 2 years |
Fees
- First-year card fee: $200 (for eligible existing Westpac customers; otherwise $295)
- Ongoing card fee: $295/year
- Qantas Rewards Program fee: $155/year (additional, always applies)
- Interest-free days: Up to 45 days on purchases
Key Benefits
- Direct Qantas Points earning — no conversion required
- Complimentary travel insurance (international)
- Purchase security and extended warranty insurance
- Concierge service
- Up to 45 interest-free days on purchases
Ongoing Earn Rates
| Spend | Qantas Points per $1 |
|---|---|
| international spend | 1.5 pts |
| everyday spend (supermarkets, department stores, petrol, utilities) | 0.8 pts |
| all other purchases, including dining | 0.4 pts |
| Beyond $10,000 spend per statement cycle | 0.25 pts |
Perks and Extras
| Lounge access | 2 Qantas Club visits a yearRegister and opt in; unlocked after spending on eligible Qantas products each year |
| Travel insurance | IncludedComplimentary; cover, limits and activation rules are set by the issuer |
| Concierge | Included |
| Foreign transaction fee | 3% |
- Up to 6 months' international travel insurance cover
- Extended warranty and purchase protection insurance
- Rental vehicle excess cover in Australia
Perks as listed on Westpac's card page on 10 September 2026. Eligibility, registration steps and cover limits are set by the issuer and can change.
Pros and Cons
Pros
- ✓ 150,000 Qantas Points — strong two-year total
- ✓ Direct Qantas earning — no transfer conversion
- ✓ $200 first-year fee (reduced for eligible Westpac customers)
- ✓ $6k in 90 days is achievable for regular spenders
- ✓ Year 2 bonus is another $6k in 90 days of anniversary
Cons
- ✗ $155/year Qantas Rewards Program fee on top of card fee
- ✗ Ongoing earn is modest after the September 2026 cuts, with dining in the lowest category
- ✗ $6k must be spent within 90 days — tighter than some competitors
- ✗ Not available if you've held eligible Westpac Altitude/Earth in last 24 months
- ✗ First-year fee reduction may not apply to all applicants
How It Compares
- Westpac Altitude Black (Rewards)200,000 pts — Altitude Points, $295 fee plus $75 program fee, flexible transfer partners
- Westpac Altitude Qantas BlackReviewed here150,000 pts — Qantas Points, $295 fee plus $155 program fee, direct Qantas earning
- ANZ Frequent Flyer Black100,000 pts — Qantas Points, $425 fee, bonus split over two years
- American Express Qantas American Express Ultimate120,000 pts — Qantas Points, $450 fee, bonus offer with an end date
Compare head-to-head
Related guides
FAQs
How do I earn the 150,000 bonus Qantas Points?
90,000 points when you spend $6,000 within 90 days of approval. A further 60,000 points in Year 2 when you spend $6,000 within 90 days of your card anniversary.
What is the annual fee?
$295 card fee ($200 in year 1 for eligible Westpac customers), plus $155/year Qantas Rewards Program fee.
Does this card earn Qantas Points directly?
Yes. The Altitude Qantas Black variant earns Qantas Points directly on eligible purchases, with no conversion required.
Information is general in nature and may change without notice. Offer details verified 1 October 2026. Confirm current offer, fees, and eligibility on Westpac's website before applying. This is not financial advice.