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The Westpac Altitude Qantas Black credit card earns 1 Qantas point per dollar directly — no transfers needed. At $250/yr with a 90,000 bonus point offer, it suits Qantas flyers who want Mastercard acceptance everywhere.
Westpac Credit Cards at a Glance
Velocity PointsWestpac Altitude Black
1.25 Velocity pts/$1, 60k bonus. $250/yr. Best Velocity earn rate.
Qantas PointsWestpac Altitude Qantas Black
1 Qantas pt/$1, 90k bonus. $250/yr. Mastercard acceptance.
Balance TransferWestpac Low Rate
0% BT for 32 months — longest in AU. 13.74% ongoing. $59/yr.
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Why the Westpac Altitude Qantas Black credit card Stands Out
✓ What makes it worth it:
- 1 Qantas pt/$1 on everyday spend
- Up to 90,000 bonus Qantas points
- Mastercard — accepted more widely than Amex
- Complimentary travel insurance
- 2 Qantas lounge passes/yr
✗ What to consider:
- $250 annual fee
- Lower earn rate than Amex Qantas Ultimate (1.25)
- 3% foreign transaction fee
- 20.99% purchase rate
Verdict: Who Should Get This Card?
The Westpac Altitude Qantas Black is the best Mastercard option for earning Qantas points. It earns less than the Amex Qantas Ultimate (1 vs 1.25 pts/$1) but is accepted everywhere. Ideal as a primary card or as a companion to an Amex. See the full frequent flyer comparison.
Ready to apply? Go directly to Westpac:
✓ Official Westpac website • ✓ Secure application • ✓ Takes 5-10 minutes
How does this compare to the Amex Qantas Ultimate? ▼
Amex earns 1.25 pts/$1 vs Westpac’s 1 pt/$1. But Westpac is Mastercard — accepted at more merchants. Many people carry both.
Do I get Qantas lounge access? ▼
Yes — 2 complimentary Qantas Club lounge passes per year for you and a guest.
What’s the sign-up bonus? ▼
Currently up to 90,000 bonus Qantas points when you spend $4,000 in the first 3 months.
This review is for informational purposes only and does not constitute financial advice. Credit card terms and conditions change — verify current details directly on the Westpac website before applying.
