Westpac Altitude Black Credit Card Calculator w/ Qantas Points

Card Details & Qantas Points Calculator
0.75x All Purchases
Qantas Club Lounge Passes
Qantas Frequent Flyer Membership
Westpac Concierge Service
Travel & Purchase Insurance

Qantas Points Calculator for the Westpac Altitude Black Card. Calculate total points, card value, and compare to top cards side by side.

Bonus Categories

The Westpac Altitude Black Credit Card (Qantas) does not have any bonus categories, but you will earn 1 bonus Qantas Point per $1 spent on Qantas products and services in Australia. There's no limit to the amount of bonus points you can earn spending Qantas and no limit to the amount of points you can earn overall.

  • 1.75x Qantas
    • You will earn +1 additional point on top of the base rate when spending on selected Qantas products and services in Australia for a total 1.75 points per $1 spent.
    • This includes the following purchased directly from Qantas:
      • Qantas Passenger Flights (QF Flight Number)
      • Qantas Frequent Flyer Membership & Fees
      • Qantas Club Membership & Fees
  • 0.75x Everything Else

Perks & Benefits

The Westpac Altitude Black Credit Card (Qantas) comes with complimentary lounge invitations annually and travel insurance.

  • 2 Qantas Club Airport Lounge Passes
    • Receive two complimentary Qantas Club airport lounge passes every year.
    • You'll need to register your card and use your card in Australia to purchase selected Qantas products and services.
    • Qantas products and services includes:
      • Qantas Passenger Flights
      • Qantas Frequent Flyer and Qantas Club Membership Fees
  • Qantas Frequent Flyer Membership
  • Travel & Purchase Insurance
    • Overseas Travel Insurance
      • Medical and Hospital Expenses Incurred
      • Loss or Damage to Personal Goods
      • Unexpected Cancellation of Travel Arrangements and Other Unexpected Expenses
      • Resumption of Journey Following the Death of a Relative
      • Special Event
      • Rental Vehicle Excess
      • Travel Delay
      • Funeral Expenses
      • Accidental Death
      • Legal Liability
      • Loss of Income
      • Domestic Pets Boarding
      • Assault Requiring Hospitalization
      • Hijack and Detention
      • Kidnap and Ransom
    • Interstate Flight Inconvenience Insurance
      • Flight Delay
      • Luggage Delay
      • Loss or Damage to Personal Items
      • Funeral Expenses as a Result of Accidental Death
      • Cancellation of Domestic Travel Arrangements
    • Purchase Security Insurance
    • Extended Warranty Insurance
    • Price Guarantee

Overseas travel insurance offered on this card lasts for up to six months.

Sign Up Bonus (SUB)

The Westpac Altitude Black Credit Card (Qantas) has a sign up bonus of 120,000 bonus Qantas Points. You'll earn 90,000 bonus points when you spend $4,000 or more in the first 90 days of new card approval and you'll receive an additional 30,000 bonus points after making your first eligible purchase in the second year of your card account being active.

Fees & Income Requirements

Annual Fee

The annual fee for the Westpac Altitude Black Credit Card (Qantas) is $250. You'll also have to pay an annual Altitude Qantas fee of $50. This brings the total annual fee of this card to $300.

Authorized User Fee

You can add one additional cardholder to the Westpac Altitude Black Credit Card (Qantas) at no extra cost.

Foreign Transaction Fee

The foreign transaction fee for the Westpac Altitude Black Credit Card (Qantas) is 3%.

Income Requirements

There is no listed income requirements for the Qantas Westpac Altitude Black Credit Card (Qantas).

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
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Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
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When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
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Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
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Cash Value
Cash value of total earnings based on currency worth.


Earn additional cash back when booking travel and shopping online using Cashrewards. It's an easy way to double and triple dip on rewards. Sign up for free through The Point Calculator to earn bonus cash back and to help out the site!
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Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
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Annual Fee
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Auth User Fee
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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