Westpac Altitude Qantas Black (Reduced first year annual fee for Westpac Customers)
Churn value: $70 in gift cards.
You pay $355 in first-year fees.Spend $6,000 in 90 days.You get $425 in Woolworths gift cards.
The recorded minimum requirements are that you earn at least $75,000 a year and can take a credit limit of at least $6,000. Meeting them does not guarantee approval.
It is only worth it if you pay in full each month and close the card before the next $450 fee.
Available
This page is my best effort to summarise the card's terms from the information I found. Read the bank's terms for full details, or contact the bank if you have questions.
I'd like to use my bonus for:
Can I get this?
This offer is only for existing customers of the bank.
Can I get this bonus if I have held a card before?
Existing Westpac customers who currently hold an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card, or who have held one in the last 24 months, are not eligible for this offer. The wait is 24 months, from the last date you held one of these cards. If you hold one now, you cannot get this bonus.
See the waiting rules for every Australian bank →What must I spend?
$6,000 within 90 days — about $2,000 per month.
Can I get the card?
The minimum credit limit is $6,000. This is the least the bank may let you borrow.
You must earn at least $75,000 a year.
Meeting the bonus rules does not mean the bank will approve your application. The bank must assess and approve the card separately.
How long is this available?
Listed end date: 28 October 2026. Date comparison uses the Australia/Sydney calendar. The issuer’s closing time and timezone are not recorded. Check availability with the issuer.
What do I do, step by step?
- Apply. Check the income and waiting rules in “Can I get this?” first. If you do not pass those, the bonus does not come.
- Spend $6,000 in 90 days on bills and shopping you had to pay anyway. Do not buy extra things just to hit the number.
- Pay in full each month. Interest can eat the whole bonus. The churn value at the top assumes you never pay interest.
- Use the points for gift cards. Points you never use are worth zero.
- Close the card before the next fee — keeping it costs $450 a year. The next section helps you decide if keeping it is worth it.
When this is not worth it
- You pay interest, or you cannot pay in full each month.
- You buy things you do not need to hit the spend target.
- You have no trip or use in mind for the points.
- You keep the card into year two out of habit and pay the fee again.
Should I keep it after the first year?
Keeping the card costs $450 each year ($295 annual fee + $155 program fee) — the first year was $355.
The year-two bonus is 60,000 Qantas points.
Ongoing earn: 0.40x Qantas points per $1.
Keeping pays off only if you meet the second-year conditions and use the points and benefits enough to cover $450/yr.
What else makes the card useful?
Reward use
Ways to turn points into value.
- Points Transfer Benefits Compare across cards →Earn 1.5 Qantas Points per $1 on international spend, 0.8 on everyday spend and 0.4 on all other purchases; 0.25 per $1 above $10,000 each statement period, plus 1 extra point per $1 on selected Qantas products and services in Australia; points credited to a linked Qantas…
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Earn 1.5 Qantas Points per $1 on international spend, 0.8 on everyday spend and 0.4 on all other purchases; 0.25 per $1 above $10,000 each statement period, plus 1 extra point per $1 on selected Qantas products and services in Australia; points credited to a linked Qantas Frequent Flyer account
Purchase protection
Cover on things you buy with the card. Limits, excesses, and activation conditions apply.
- Purchase Protection Insurance Compare across cards →Eligible items charged to the card covered against loss, theft or damage for up to 4 months, up to $10,000 per item ($3,500 for jewellery, watches and new works of art); $300 excess per claim
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Eligible items charged to the card covered against loss, theft or damage for up to 4 months, up to $10,000 per item ($3,500 for jewellery, watches and new works of art); $300 excess per claim
- Extended Warranty Insurance Compare across cards →Up to 24 months extended warranty cover (in addition to the manufacturer's Australian warranty) on eligible items charged to the card, up to $20,000 per covered product; $300 excess per claim
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Up to 24 months extended warranty cover (in addition to the manufacturer's Australian warranty) on eligible items charged to the card, up to $20,000 per covered product; $300 excess per claim
Travel
Travel cover and perks. Most need qualifying bookings or payment with the card.
- Lounge Access Compare across cards →2 visits/year · Qantas Club
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2 complimentary Qantas Club lounge invitations per 12-month period after registering the card and spending on selected Qantas products and services; register at loungepass.altitudeblack.com.au
- Travel Insurance Compare across cards →Complimentary International Travel Insurance for trips up to 6 months for Level 1 Card holders when at least $500 of prepaid travel costs are charged to the card and a return overseas ticket is held; most sections (overseas emergency medical, evacuation, cancellation) are…
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Complimentary International Travel Insurance for trips up to 6 months for Level 1 Card holders when at least $500 of prepaid travel costs are charged to the card and a return overseas ticket is held; most sections (overseas emergency medical, evacuation, cancellation) are unlimited. Also includes Interstate Flight Inconvenience Insurance for domestic flights paid to the card
- Rental Vehicle Insurance Compare across cards →Rental vehicle excess cover in Australia up to the amount in the rental agreement or $5,500 (whichever is lesser) when the rental is charged to the card; $300 excess per claim
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Rental vehicle excess cover in Australia up to the amount in the rental agreement or $5,500 (whichever is lesser) when the rental is charged to the card; $300 excess per claim
- Transit Accident Insurance Compare across cards →Overseas Transit Accident Insurance covers specified accidental death or injury sustained overseas as a passenger on a plane, bus, train or short-haul ferry when the entire trip tickets are charged to the card before departure
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Overseas Transit Accident Insurance covers specified accidental death or injury sustained overseas as a passenger on a plane, bus, train or short-haul ferry when the entire trip tickets are charged to the card before departure
Account management
Tools for running the account — repayment helpers, not reward value.
- Concierge Service Compare across cards →Personal Concierge Service provided by Ten Lifestyle Services for Altitude Black cardholders; browse and book experiences, tickets and restaurant reservations online or by phone 1300 651 999 (option 4)
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Personal Concierge Service provided by Ten Lifestyle Services for Altitude Black cardholders; browse and book experiences, tickets and restaurant reservations online or by phone 1300 651 999 (option 4)
- Digital Wallet Integration Compare across cards →Supports Apple Pay, Samsung Pay and Google Pay
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Supports Apple Pay, Samsung Pay and Google Pay
- Digital Card Issuance Compare across cards →Instant Digital Card available to use from the moment the account is opened, before the physical card arrives
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Instant Digital Card available to use from the moment the account is opened, before the physical card arrives
- Online Banking Features Compare across cards →Westpac App money-management tools: cash flow and spend insights, spend categories, Cards Hub for ordering/locking cards and changing PIN, and Quick Balance
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Westpac App money-management tools: cash flow and spend insights, spend categories, Cards Hub for ordering/locking cards and changing PIN, and Quick Balance
- No Additional Cardholder Fee Compare across cards →Add 1 additional cardholder (16 years or older) at no extra cost
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Add 1 additional cardholder (16 years or older) at no extra cost
- Interest Free Periods Compare across cards →Up to 45 interest-free days on purchases when the closing balance is paid in full by the due date; cash advances excluded
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Up to 45 interest-free days on purchases when the closing balance is paid in full by the due date; cash advances excluded
- Buy Now Pay Later Compare across cards →PartPay Card lets eligible purchases be paid in instalments; subject to PartPay Card terms and conditions
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PartPay Card lets eligible purchases be paid in instalments; subject to PartPay Card terms and conditions
- Installment Plans Compare across cards →SmartPlan lets eligible balances be paid down in fixed instalment plans
This is a repayment plan. It does not add reward value.
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SmartPlan lets eligible balances be paid down in fixed instalment plans
- Balance Transfer Offers Compare across cards →Balance Transfers available to move balances from other cards; terms apply
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Balance Transfers available to move balances from other cards; terms apply
$425 in Woolworths gift cards (88,090 of 92,400 Qantas points; 4,310 left over) − $200 card fee − $155 program fee. Assumes you earn the bonus and pay in full; extra spend or interest changes the outcome.
This offer is open now (terms from 14 Oct 2026).
What this calculation assumes
- You make the required purchases and the bonus is paid.
- You pay the balance in full — any interest changes the outcome.
- The required spend is ordinary planned spending, not extra cost.
- You close the card before the next annual fee, or you decide keeping it is worth that fee.
- Gift card prices can change. I check them again at renewal time.
Did this help you make a decision?
Ordinary earn: 1.5 Qantas Points per $1 on international spend, 0.8 on everyday spend and 0.4 on all other purchases; 0.25 per $1 above $10,000 spend per Statement Period.
Terms and evidence
Full current terms
Offer terms
First Year Points
90,000 points
Qantas
Second Year Points
60,000 points
With $295 annual fee
Minimum Spend
$6,000
within 90 days (about 3 months)
Offer Expires
October 28, 2026
in 11 days
Ongoing Earn Rate
0.40x points per $1 spent
Status Credits
50 Qantas Status Credits
Earn them with the sign-up bonus: spend $6,000 within 90 days.
Offer ends October 28, 2026.
This offer gives you Status Credits. Do you need them this year? If not, you can choose a different card now and take a Status Credits offer in a year in which you need them. If you do not collect Status Credits to get or keep status, this is not a reason to pick this card.
Fees
First Year Annual Fee
$200
Ongoing Annual Fee
$295
From year 2 onwards
Program Fee
$155
Additional fee for reward program participation
Purchase Interest Rate
23.98% p.a.
The value above assumes you pay in full and never pay this. Any interest changes the outcome.
Benefit history (11 changes)
- Travel InsuranceUpdated May 2026
- Interest Free PeriodsUpdated May 2026
- Digital Card IssuanceUpdated May 2026
- Digital Wallet IntegrationUpdated May 2026
- Concierge ServiceUpdated May 2026
- No Additional Cardholder FeeUpdated May 2026
- Lounge AccessUpdated May 2026
Now 2 visits/year · Qantas Club.
- Transit Accident InsuranceUpdated May 2026
- Purchase Protection InsuranceUpdated May 2026
- Extended Warranty InsuranceUpdated May 2026
- Rental Vehicle InsuranceUpdated May 2026
Offer terms history (18 versions — old terms, for checking)
These are published versions of this offer's terms. Each version preserves the conditions available at that time.
Published 14 Oct 2026
Availability changed from ended to available; conditions unchanged.
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First recorded terms
Captures behind the selected terms record — evidence for these terms, not a complete history of the named offer.
Discussion
About the current terms (published 14 Oct 2026).
Community and personal tools
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