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Westpac Altitude Qantas Black Mastercard
Westpac's premier Qantas credit card. Annual card fee A$295 (A$200 first year), plus A$75 Qantas Rewards Program fee required to earn Qantas Points.
This credit card includes airport lounge access through participating lounge programs. Access eligibility, guest policies, and lounge availability vary by airport and may change over time. Credit card lounge access is not guaranteed and may be subject to capacity limits or restrictions. Learn how credit cards provide lounge access. In summary, lounge access depends on your card, the lounge network, and the specific airport. Learn more about airport lounges.
Last reviewed: . Card information is reviewed against the issuer's official benefit pages periodically; verify all terms on the issuer's site before applying.
The Good
- Welcome Bonus: 90,000 + 60,000 Year-Two Bonus Qantas Points
- 1.2 QF Points/A$1 on international spend is competitive
- 2 free Qantas Club invitations per year (with spend qualifier)
- A$200 first-year fee for existing Westpac customers
- Bundled overseas travel + transit accident insurance
The Bad
- 0.8/0.5 QF earn for everyday spend is modest
- Qantas Club invitations require qualifying Qantas spend
- 3% foreign transaction fee
- Combined A$370 annual fee from year two
Lounge Access
1 lounge network included
Guest Policy
2 Qantas Club invitations per year on eligible Qantas spend
Purchase APR
19.99% Variable
Credit Score
Good (Income A$75k+)
Is the annual fee worth it for you?
Set how often you would use a lounge and what one visit is worth to you. We compare that against this card's real A$295 annual fee. This counts lounge value only, not credits, points, or other perks.
Starting point is a typical day-pass or guest fee. Adjust to match the airports you use.
- Estimated lounge value
- A$520/yr
- Annual fee
- A$295/yr
- Net for your usage
- +A$225
At A$65 per visit, you cover the fee at about 5 visits per year. This card opens 8 lounges we track.
Estimate only, not financial advice. It uses values you enter and excludes statement credits, points, taxes, and guest fees. Lounge access and day-pass prices change; verify with the issuer and lounge before you rely on these numbers.
Limited Time Offer
First-Year Card Fee A$200 (reverts to A$295 p.a.)
Offer Terms & Eligibility:
Standard first-year card fee A$200, reverting to A$295 p.a. thereafter. Existing Westpac customers may receive a reduced first-year card fee. The A$75 annual Altitude Qantas Rewards Program fee applies separately and is required to earn Qantas Points.Lounge Networks
1 IncludedAdditional Travel Perks
Lounges Westpac Altitude Qantas Black Mastercard Opens
8 lounges tracked across 8 airports, derived from this card's network coverage.
Coverage is derived from the lounge networks listed on this card and the lounges AirportLounge.com tracks. Specific lounge access can change without notice; verify on the operator's app or site before you travel.
Popular Airports With Lounges
Qantas Club Invitations lounges are available at hundreds of airports worldwide