Westpac Altitude Black
Partner Exclusive: 80,000 + 20,000 Bonus points

Westpac Altitude Black comes with 100,000 Qantas Frequent Flyer points and a reduced annual fee of only $195 (normally $395) for the first year. The regular Westpac Altitude Black promotion only comes with 80,000 points, but we’re bringing you an exclusive partner offer which comes with 20,000 points when you sign up and an additional 80,000 points after meeting the minimum spend requirement.

The Westpac Altitude Black is a premium card and comes with both a World Mastercard and American Express, offering you the highest possible flexibility all in one account.

To get to the 100,000 Exclusive promo page on Westpac, you will need to visit: https://flighthacks.com.au/recommends/westpac-altitude-black/ (mobile friendly!)

This Promotion Ends In:

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Let’s have a look at the features and benefits of this combo:

Westpac’s Altitude Black comes in 2 different varieties, Altitude Rewards or Altitude Qantas. The Altitude rewards will let you earn points into a flexible reward program which can be transferred to a variety of partners while the Qantas option lets you earn Qantas points.

It’s interesting to note that you can switch programs after signing up so if you want to take advantage of the huge Qantas points bonus at sign up but then earn flexible rewards points on everyday spend, you can do so without having to do a new application.

Westpac Altitude Qantas Black

  • Earn Rates:
    Mastercard $1 = 0.625 points
    American Express $1 = 1.25 points
  • Bonus Points: 1 additional Qantas point per dollar on Qantas products
  • Insurance: Extensive overseas travel insurance, purchase protection and other insurances (please check the PDS to see if these work for you before making a decision)
  • Lounge Passes: 2 Qantas Club lounge passes each year
    Special Access: World Mastercard benefits and American Express special offers

Westpac Altitude Rewards Black

  • Earn Rates:
    American Express $1 = 1.25 points
    Mastercard $1 = 2.5 points
  • Insurance: Extensive overseas travel insurance, purchase protection and other insurances (please check the PDS to see if these work for you before making a decision)
  • Lounge Passes: 2 Priority Pass invitations each year
  • Special Access: World Mastercard benefits and American Express Connect

How can I take advantage of the partner offer?

The current Westpac promotion runs until October 26 and is only available through a small number of partners (such as Flight Hacks). This means that if you apply by visiting Westpac direct or in a branch, you will not receive the 20,000 bonus points on top of the 80,000 points which are already on offer.
To get the 100,000 Qantas or Altitude reward points, you will need to use this link.

Altitude Black Card Specifics

  • Variable purchase rate: 20.24% p.a.
  • Variable cash advance rate: 20.74% p.a.
  • Special bonus points promotion: The bonus points promotion is available when you apply for a new Westpac Altitude Black credit card via this page between 4 September 2017 and 26th October 2017. The bonus points will be credited to your points balance as follows: 20,000 points within 8 weeks of card approval and 80,000 points within 12 weeks after the eligible spend criteria being met. Spend criteria is a minimum amount of $5,000 on eligible purchases within 90 days from card approval.
  • Discounted annual card fee in first year promotion: The discounted first year annual card fee promotion is available when you apply for a new Altitude Black card between 29th June 2017 and 26th October 2017.
  • The first annual card fee at the rate will be debited to your card account on your first transaction and the full annual card fee, currently $395, will be debited annually thereafter.
  • Minimum card limit: $15,000
  • Recommended income to apply: $75,000

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Which Sign Up Bonus Is Best?

Since Westpac has 2 different reward programs on offer, you might be left wondering if both sign up bonuses are equal. Personally, I would go for the Qantas points since it’s considerably higher when you factor in the conversion of the other program.

In the end, it depends on where you have your biggest balances and which programs you value more. 100,000 Altitude rewards points will convert to 50,000 Velocity Frequent Flyer points or 40,000 Kris Flyer points or Asia Miles.

Airport Lounge Access

When you opt for the Westpac Altitude Qantas Black option, you will receive 2 single entry Qantas Club passes which can be used at any domestic or international Qantas Club lounge. You will need to make a transaction with Qantas before the passes are sent out. It’s also important to note that you MUST first register your card online before making the required spend. You can do so right here: https://loungepass.altitudeblack.com.au/default.aspx?appAction=exit for the Qantas passes and here for the Priority Pass membership: http://info.westpac.com.au/creditcards/black/altitudeblack/travel/airport-lounge-priority-pass.aspx

On top of the Qantas or Priority Pass lounge benefits, card holders also receive 2 complimentary entries to the American Express lounge in Sydney or the soon to be opened Melbourne lounge. Access to these lounges usually cost $55, so it’s a great deal if you plant to depart from Sydney or Melbourne.

Westpac Altitude Black Earn Rates

If you’re looking for the highest earn rate on any Westpac card, this is it. The highest earn rate is on the American Express companion card, but when Amex isn’t accepted, it’s handy to have the Mastercard World card as a backup even though it earns considerably fewer points. The Qantas program earn rate is pretty straight forward since it’s WYSIWYG. The Altitude Rewards, on the other hand, has a few different redemption rates you should keep in mind. Here’s how all the earn rates compare across the different frequent flyer programs:

Westpac Altitude Black Earn Rates

Effective earn rate into the available frequent flyer programs for Westpac Altitude Black Qantas and A Altitude Black Rewards credit cards. Both overseas and domestic earn rates are the same.
Frequent Flyer ProgramAmex Earn RateMastercard Ear Rate
Qantas Frequent Flyer1.25 points per $0.65 points per $
Velocity Frequent Flyer1.25 points per $0.65 points per $
Singapore Airlines KrisFlyer1 point per $0.5 point per $
Cathay Pacific Asia Miles1 point per $0.5 point per $

Travel Insurance & Warranty Extensions

It’s always hard to put a value on credit card travel insurance because each person has different requirements, therefore I highly recommend having a read through the PDS to decide for yourself if this insurance policy works for you.

For overseas trips up to 6 months, overseas travel insurance includes cover for:

  • Specified medical expenses incurred overseas
  • Unexpected cancellation of travel arrangements
  • Up to $20,000 per person cover for loss or damage to personal property
  • Up to $550 per person for loss or damage to travel documents
  • Limit of $2.5 million of personal liability cover
  • Up to $5,500 rental vehicle excess cover as specified in the policy for loss or damage to rental vehicle
  • You, your spouse and your dependent children could be automatically covered for Complimentary Overseas Travel Insurance on your journey, if each of you meets the eligibility criteria, including pre-paid travel costs using your credit card. See Details for eligibility criteria
  • Transit accident insurance: Up to $500,000 transit accident insurance cover against specified accidental death or injury when sustained while riding as a passenger in a plane, bus, train or ferry when you have purchased the tickets for the journey using either one of your Altitude Black cards before you leave
  • Purchase security insurance: 4 months cover against loss, theft or accidental damage for a range of personal items purchased in Australia and overseas provided the item is purchased using either one of your Black Altitude cards
  • Extended warranty insurance: Up to 24 months extended warranty insurance cover (in addition to the manufacturer’s expressed Australian warranty) on a range of personal items purchased using either one of your Black Altitude cards

Altitude Black Concierge & App

Like most premium cards, the Altitude Black comes with a personal concierge who also can be accessed through a dedicated app. It could be useful to request travel bookings, restaurant reservations or tickets to a concert or game but personally, I’ve only used the service to request lounge passes that never got sent out after making a Qantas purchase.

Other Benefits

As part of the Altitude Black offer you gain automatic access to Amex Connect which is a place where partner promotions are listed. These change all the time but it’s a great way to save money on products and services you were already planning to spend money on. Usually this in the form a cashback e.g. spend $400 at Hilton and get $120 cash back. Mastercard on the other hand has the World program which has a range of travel benefits, it’s nothing ground breaking so if you’re interested, check them out here. http://www.worldcard.mastercard.com/content/world/ap/en.html

Card Design

This is purely superficial, but I’m a sucker for great design and the Westpac Altitude Black certainly ticks that box. After the Amex Platinum Charge card, it’s arguably the best-looking credit card in Australia. Even though it’s plastic (metal credit cards, we need this!), it feels premium and has a nice matte finish complemented by a shiny silver Mastercard logo, the Amex partner card has the standard blue Amex logo in the corner.

Am I Eligible?

Existing Westpac customers who currently hold an Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months are not eligible for this offer.
In Conclusion
If you’ve been looking for a great reason to get a new credit card the Westpac Altitude range is a great option to consider especially with the reduced annual fee and 100,000 bonus points.

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What can you do with 100,000 Qantas Frequent Flyer points?

Collecting points is fun, I check my Award Wallet (use coupon code: free-xotwyd for a free upgrade sorry, due to popular demand my free upgrade coupon has maxed out. If I get a new one, you will see it here first 😉 ) app daily to see where my balances have grown (or shrunk). But there’s nothing better than finally redeeming those points for an awesome experience! Let’s have a look and see what you can do with 100,000 Qantas points.

Fly Perth to Dubai in First Class with Emirates – 108,000 Qantas Points

Flying Emirates first class is an experience that will blow you away. Whether you like the “bling factor 10” on board Emirates or not, it’s one of those things you have to try at least once! To book your flights, just head over to https://www.qantas.com and make sure you check the “Search Classic Flight Rewards” box before you run your search. Once you’re booked in, you have a private suite, Dom Pérignon and a shower in the sky to look forward to!

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Melbourne or Sydney to Dubai in Business Class with Emirates for 96,000 Qantas Points

To get excellent value out of your Qantas frequent flyer points try redeeming them for Emirates Business class. You will be able to enjoy a flat bed, fantastic service and of course there’s the on-board bar serving your favourite drinks with canapés. To book your flights, just head over to https://www.qantas.com and make sure you check the “Search Classic Flight Rewards” box before you run your search.

Emirates First Class Suite A380 40 768x512 - Westpac Altitude Black 100k Bonus Points
Emirates First Class Suite A380 41 768x512 - Westpac Altitude Black 100k Bonus Points

Brisbane to Tokyo in Business Class with Qantas Return for 120,000 Qantas points

Qantas has now finished refurbishing their fleet of A330’s with the fantastic Vantage XL seats which offer a perfect amount of privacy and comfort for a trip to Tokyo. The bed goes fully flat for the 9h journey across to Japan. (My fellow Belgian travel blogger Sven has written a full review about this new seat, you can check out his take on the Qantas A330 business class product here.)

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Sydney to Hong Kong Return in Business Class with Cathay Pacific for 130,000 Qantas points

You can do the same trip with Qantas in business but in my opinion Cathay has a better product on the A330 or 777-300ER. The seats are very spacious and comfortable whilst the service is personal and very much on point.

On top of that, Cathay has the best business class lounge in the world. The Pier lounge in Hong Kong is an amazing experience and something you need to check out for yourself.

You can book your flights directly through the Qantas reward booking system. Alternatively you can mix it up and take a Qantas flight on the way there and Cathay on the way back for only 125,000 points return.

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