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Extended: up to 120,000 bonus Qantas or Altitude Points with the American Express Westpac Altitude Black Credit Card Bundle

Westpac have extended their offer of up to 120,000 bonus Qantas or Altitude Points for new cardholders of the American Express Westpac Altitude Black Credit Card Bundle until 2 June 2019.

Disclaimer: Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

It’s also worth noting that existing holders of American Express-issued cards are also eligible for bonus points from the American Express Westpac Altitude Black Credit Card Bundle too. We explain this in more detail in our guide below.

The American Express Westpac Altitude Black Credit Card Bundle is aimed at those who want a decent Qantas Point earn rate, are happy to pay the larger annual fee and will get value from some of the additional benefits.

The current offer of up to 120,000 bonus Qantas or Altitude Points is split into two, with 80,000 points coming from the Altitude Black Mastercard after a minimum spend of $3,000, and an additional 40,000 points from the American Express card that also requires a separate minimum spend of $3,000, with both targets within the first 90 days of approval. So, in short, you need to be able to spend $6,000 in total within the first three months or so to get all the bonus points.

You may also be interested in the mid-tier Westpac Altitude Platinum bundle.

There are also up to 75,000 bonus points with the American Express Westpac Altitude Platinum Bundle and 100,000 bonus points with the hybrid American Express Westpac Altitude Blended Bundle.

How you could use the bonus points from this card

All redemption figures shown are examples only and exclude accompanying taxes and fees. Points redemption price data is provided by a third-party, so inaccuracies may be present. Please check with the airline directly for a complete and accurate total redemption cost.

How the bundled American Express cards from Westpac work

This is a bit technical but American Express is now issuing cards for Westpac directly, instead of being issued by Westpac (as previously used to be the case). However, for bonus points eligibility, this card is considered to be a bank-issued card, so won’t affect your eligibility for bonus points on American Express-issued cards. You can read more about bank-issued vs American Express-issued cards here.

What does this mean? You essentially have two credit card accounts, one from each provider, which are linked for the purpose of earning points. You can also only apply for the companion Westpac American Express card once you’re an existing Westpac credit card cardholder of an Altitude Platinum or Altitude Black Mastercard, or at the time of making an application for Westpac’s own card.

When it comes to earning points, you’ll earn your points from each card into either your Qantas Frequent Flyer account or your Westpac Altitude Rewards account. We understand that points from either card will be credited to your rewards account separately.

The American Express Westpac Altitude card is 100% issued and serviced by American Express. This means you’ll be able to use their digital portal, including their dedicated website and the American Express app.

For existing American Express cardholders of other cards issued by Amex such as the American Express Explorer or Qantas Ultimate American Express, the Westpac card isn’t considered for bonus points eligibility purposes—we have been informed by Westpac that holding an American Express-issued card would not preclude you from earning the bonus points on a Westpac American Express card.

Finally, because the two cards are issued by two separate credit providers, it is likely that both will check your credit record.

The terms and conditions for earning points from Westpac’s American Express Altitude cards are here, while a number of terms documents for the Westpac Altitude Mastercard and associate rewards program and insurance policies are linked to from Westpac’s page, after clicking through from the link above.

Extended: up to 120,000 bonus Qantas or Altitude Points with the American Express Westpac Altitude Black Credit Card Bundle was last modified: April 15th, 2019 by Daniel Sciberras

Points earn rates from the American Express Westpac Altitude Black Credit Card Bundle

Note that from 9 November 2018, Westpac has reduced transfer rates to all important frequent flyer partners and all figures in this guide have been updated. Further information can be found here.

Points from both Altitude Black cards can be earned as either Altitude Rewards (partners include frequent flyer programs like Singapore Airlines KrisFlyer, Virgin Australia Velocity, Cathay Pacific Asia Miles, Malaysia Airlines Enrich and Air New Zealand Airpoints) or Altitude Qantas to Qantas Frequent Flyer program for an additional $50 annual Qantas Rewards fee.

Card Details

CardWestpac Altitude Black
Loyalty programQantas Frequent Flyer or Westpac Altitude Rewards
Points earned from spend on the Mastercard0.75 Qantas Points or 1.25 Altitude Points per $
Points earned from spend on the American Express2 Qantas or 5 Altitude Points per $ spent in foreign currency
1.25 Qantas or 3 Altitude Points per $ on domestic spend
0.5 Qantas or 1 Altitude Point per $ on government spend
Travel benefitsPer year:
2 x American Express Airport Lounge at Sydney and Melbourne with the Amex card
2 x Qantas Club Pass or Priority Pass invitations
with the Mastercard
Included insurancesExtended Warranty & International Travel Insurance (PDS)
Points capuncapped
Overseas transaction fee3.0% of the converted amount
Minimum incomeFor Westpac: $75,000 p.a. (recommended)

For Amex: $65,000 p.a.
Mastercard annual fee$250 p.a. + ($50 annual Qantas Rewards fee if you choose to earn Qantas Points)
American Express annual fee$199 p.a.

Effective Frequent Flyer Program Point Earn Rates

Frequent Flyer ProgramMasterCardAmerican Express Companion card
DomesticForeign currency/interntional
Qantas Points*0.75 points / $1.25 points / $2 points / $
Velocity Points0.41 point / $1 point / $1.67 points / $
Singapore Airlines KrisFlyer Miles0.41 mile / $1 mile / $1.67 miles / $
Cathay Pacific Asia Miles0.41 mile / $1 mile / $1.67 miles / $
*Qantas Points are only earned if linked to Altitude Qantas Rewards

The American Express companion card (not the Mastercard) can be used for payments to the Australian Taxation Office, earning 1 Altitude Rewards point or 0.5 Qantas Points per $ spent, as ATO payments are classified as ‘government spend’ in the terms and conditions on the application page.

Airport lounge access benefits

If you opt for the Altitude Rewards Black, you’ll receive airport lounge access with Priority Pass membership and two included lounge visits per year, which are now valid at an increasing number of airports in Australia. Additional visits are charged at a $27 USD fee.

If you opt for Altitude Qantas Black, you’ll be digitally sent two single-entry Qantas Club invitations which can be used at any Qantas Club (domestic) or Qantas International Business Class lounge. The passes are sent after your first Altitude Black Card spend on selected Qantas products and services, defined as Qantas flights or Qantas Frequent Flyer or Qantas Club joining and membership fees.

Note: You must first register and then make the applicable card spend directly with Qantas to receive the lounge passes.

It is a useful lounge access benefit for those who don’t travel in Business Class often.

As part of the benefits that come with the new American Express Altitude Black card, you also get access to the Sydney or the newly-opened Melbourne American Express Lounge twice per year.

Included insurances and other benefits

The American Express Westpac Altitude Black Credit Card Bundle comes with travel and extended warranty insurance coverage. As I say with every credit card guide, the value of each card’s insurance can only really be assessed by you looking at the PDS and deciding whether it is a fit for your needs. Read the full PDS here for the Westpac Altitude Black here and for the American Express Westpac Altitude Black card here.

This guide references some of the benefits of insurance policies provided with this card.

You should read the PDS and obtain independent professional advice before obtaining this product.

You’ll also gain access to Westpac Concierge and their Black Concierge app, which could give some useful restaurant or ticket reservation shortcuts, amongst other potential uses.

Altitude Qantas vs Altitude Rewards

The Altitude Card range offers a choice of which points program you want to direct your points into: either Qantas Frequent Flyer or Westpac’s own loyalty program Altitude Rewards.

Note that there is an annual $50 Qantas Rewards fee on the Westpac Altitude Black Mastercard if you have selected to earn Qantas Points (rather than Altitude Rewards).

When choosing Altitude Qantas Black over Altitude Rewards Black, you’ll also need to factor in the different earn rates of each currency and transfer rates to partner programs. Our full guide to Altitude Rewards offers more detail about the program’s benefits.

In short, points can be transferred into Velocity, Singapore Airlines KrisFlyer, Cathay Pacific Asia Miles and Malaysia Airlines Enrich at a rate of 3 Altitude Rewards points to 1 frequent flyer program point/mile.

The choice between Altitude Qantas or Altitude Rewards is dependent on your personal points-earning preference.

You might find the sign-up bonus from the card to be more valuable to take as Qantas Points but then using the card ongoing, there may be more value for you in taking advantage of Altitude Rewards’ flexibility from having a wide range of transfer options.

Summing up: the American Express Altitude Black Credit Card Bundle

This is the kind of card that you need to take a critical look over the ongoing benefits and sign-up bonus to assess whether the annual fee is worth it for you, especially with the launch of the new American Express companion card, which could make earning points and paying your credit card bill a little more complex.

That said, the points earn rates from spend are fairly competitive, and the lounge benefits are also fairly good with both cards.

Most infrequent travellers may be able to get some use out of the lounge access and other Mastercard as well as American Express benefits, particularly if you educate yourself on how to make the most of them.

Extended: up to 120,000 bonus Qantas or Altitude Points with the American Express Westpac Altitude Black Credit Card Bundle was last modified: April 15th, 2019 by Daniel Sciberras

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Point Hacks Credit Card Information

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We have not taken into consideration your personal circumstances or financial situation when providing the information on this website. It is important you read the relevant PDS from the product issuer and seek the independent advice of an appropriately qualified professional before making a decision on a product.

While we invest a great deal of time and energy into ensuring we provide with you with the most up to date and accurate information, we do not warrant the accuracy of statements or information contained on the Website relating to third party goods and services, including credit card information, loyalty schemes and rewards. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability arising from any person acting on those statements or information to the fullest extent permitted by law. Where conditions or warranties are implied by law and cannot be excluded, our liability will be limited to the re-supply of information. You should confirm the accuracy of information provided on this Website with the third party product provider before acting on it.


  1. Tyler

    If you apply a week out before the end date & processing the application is approved by Westpac / Amex after the promotional end date, are you still eligible to receive the Promotional Offer originally applied for? The T&C’s interpret apply & APPROVED before end date.

    • That’s a really good question. The terms and conditions do indeed give that impression, but the general rule is as long as you apply before the offer end date, it doesn’t matter when you are approved. Having said that, if you want to play it really safe, I’d recommend applying at least a week or so early.

  2. Glen

    Are you aware if I able to do the following:
    – Sign up with qantas and obtain 120k bonus points?
    – keep earning 0.75 qantas points/$ via MasterCard
    – change Amex to altitude and earn 3 altitude points = 1.5 velocity points/$
    Or do I have to choose either qantas or altitude to cover both cards?

  3. Novi

    Not sure if this has been asked somewhere before. Can I only apply for the Westpac Black MasterCard and NOT the AMEX companion card?

  4. Ross

    I just clicked on this page today (having forgotten to apply last night) and was surprised to see the offer still here, despite it having had a deadline of yesterday (Nov. 28th).

    It’s now been extended until April 2019, which is wonderful, but has it changed at all now that the deadline has passed?

    I have a memory of something about not having to pay the annual fee on the Amex…

    • Daniel Sciberras Author

      Hi Michael

      This is a good question. The T&Cs state the following:

      “Existing Westpac customers who currently hold an Altitude Platinum Visa Card or Altitude Black Mastercard, or who have held one in the last 12 months, are not eligible for this offer.”

      What is unclear is that given that St George is owned by Westpac, if that technically makes you a Westpac customer. Unfortunately I don’t have nay personal experience regarding this one. I would advise to get in contact with Westpac and confirm your eligibility with them.

  5. Kate

    Just wondering about the bonus points if you don’t reach the spend for amex but I do for the linked card do you get the 80000 points just not the 40000?

    • Correct. To put in other words, if I spend $3,000 on the Mastercard, I will receive 80,000 bonus points. Separately, if I spend $3,000 on the Amex, I will receive another 40,000 bonus points.

  6. Ken Lee

    Hi I have a few questions about the westpac altitude black, i’ve got both cards (amex too) i signed up to get a free qantas frequent flyer account. Linked the account to my westpac card does that mean it’s all sweet to go? There’s no indication that i’m elegible for my bonus points and if my points will go to QFF or altitude even though I clicked QFF. There’s also an annual fee that I don’t know why they haven’t asked for it.

    It’s my first time doing this so I apologise for the excessive questions!

    • Nic

      Ken, unless you applied via the Qantas site (by 5/9/18) it is my understanding that the black MasterCard has an annual fee of $250. The wording of the deal is misleading in my opinion as only the Amex fee is waived in the first year.
      I would still argue your case with Westpac.

  7. Dom

    Hi, just wanted to confirm for sure that holding the Westpac Amex will not impact my ability to earn a sign up bonus directly with Amex in the future?

  8. guesswho2000

    This is a bit of an odd one, but I’ll ask anyway – I applied for the Platinum Visa with the Black Amex back at the end of July. The Platinum Visa was $0 then too, and I didn’t think the extra $250 annual fee was worth it for 20k QF (120k vs the 100k I’ll get from the above combo).

    Anyway, Westpac have taken aaaages to process this, all approved finally today from their end, at which point the application was submitted to Amex, and approved pretty much straight away.

    My question – because the application to Amex was technically submitted today, which offer applies? I feel I should benefit from the $0 annual fee on the Black Amex, given it’s taken so long for the application to filter through to them (although agree I’d have to suck it up on the Visa, I applied when I applied there, although would have applied for the MC if it’d been fee free, like it is now. Any thoughts?

    • guesswho2000

      Nope it doesn’t, normal transaction (for me on the Amex Explorer anyway – I earned the 2 MR/$1, rather the 0.5MR/$1 which applies for govt txns).

      • Mary

        That’s interesting. I recently paid my montly medibank private premiums using PayPal/AP Post BillPay and only received 0.5 point per $1. I am on the Westpac Alitutue Platnium AMEX.

  9. Adam

    Hi I am new to using a credit card to earn bonus points. I am wanting to know if I want to fly Emirates if getting this card using the qantas points option will allow me to use qantas points along with my current Emirates miles to book a flight? Also once you get your points bonus by spending the $3000 on MasterCard and $3000 on Amex in the first 90 days how much longer do you have to use those cards for and the amount of monthly spend you need to make?

    • Hey Adam, you cannot combine your Qantas Points and Emirates Skywards miles balances—you have to use them separately. However, you could book a one-way ticket using your Qantas Points and then the way back using your Skywards miles. As for the credit card question, we always recommend waiting out the full year at minimum but you do not need to meet a minimum monthly spend once you’ve already received your bonus points.

  10. Babs

    Great news it is confirmed with amex that it has no impact on obaining bonus points directly with snex on future applications.
    However, Given there is a second credit check for the Westpac Amex, is it likely the impact on your credit rating would be the same if you signed up for the Mastercard/Amex combination as if you signed up for any 2 credit cards? If that’s the case, a separate application concurrent with the Westpac Mastercd May be more beneficial than the Westpac Amex?

  11. Max

    Hi guys,
    In regards to the Altitude platinum visa card, I understand government charges do not earn any qantas points. But do government charges count towards the minimum spend required for the sign up bonus points? As i can see they are not included in the list of ineligible transactions for the bonus points when you read the fine print. Can anyone confirm this?

    • Given that this card does accrue points on government charges, they should count towards minimum spend requirements. You may want to confirm this with Westpac directly to be 100% sure.

  12. Ely

    What’s the source for the claim that “for bonus points eligibility, this card is considered to be a bank-issued card, so won’t affect your eligibility for bonus points on American Express-issued cards”? I like what you’re saying (I’d held off applying for this precisely for that reason), but would like to be 100% confident before going ahead and applying!

  13. Leleron

    Would you know whether you could get points from ATO payments for the Amex card? Couldn’t find anything on the T&Cs. Thanks

  14. Sam

    I just received my altitude black master card. Can I expect the AMEX will come in a mail or would I have a apply for it separately?? Thanks!

    • If you didn’t apply for the American Express at the time you applied for the Mastercard, then you’ll need to apply for that separately. I would recommend contacting Westpac.

  15. Yo

    Hi Keith, I think you need to update the points earn for this card. I just logged into my account and it says 0.4 conversion to KrisFlyer or Asia Miles from my altitude rewards points. Conflicting information on your website is confusing people.

    • The figures are correct. Yes, the transfer rate is 1 Altitude Rewards point to 0.4 KrisFlyer/Asia Miles. However, as the Mastercard earn rate is 1.25 Altitude Rewards points per $ spent, then for every dollar, you are earning 0.4 miles x 1.25 = 0.5 KrisFlyer/Asia Miles. Hope that clears it up for you.

  16. rurounimaikeru


    Can anyone advise whether holding/having the Westpac-Amex card makes you ineligible for bonus points offered through Amex-issued cards?

    Reason being, my current Velocity Amex is about to expire. So could I:
    1. Apply for Westpac-Amex and get bonus points (subject to meeting spend)
    2. Cancel existing Velocity Amex and wait 18 months
    3. Apply for Velocity Amex (or say Amex Explorer) and get bonus points (subject to meeting spend)

  17. Yong

    Hi Keith
    not sure if this has been answered already.
    1. If you select the Qantas Points to start with. Once you have received your Qantas points, you change to Altitude points
    2. You have not spent on Qantas products in that time so not eligible for the Qantas passes
    3. Does that make you eligible for the Priority Pass in the first year or would you then have to wait for your anniversary for that to change over?

  18. Hi Keith
    I received the Amex Altitude Black card with 40000 bonus points and no annual fee through a promo in March. My Westpac Black Mastercard will expire in April and I no longer want to keep that card, do you know if I can retain the Amex card without the Westpac affiliation. I have noticed my Amex points automatically transfer to my Altitude rewards account each month.I am getting conflicting reports from Westpac.

  19. Martin

    Hi Keith,

    New to the lounge thing.. Would a spend in the Qantas store i.e. paying via points&cash qualifes as an eligible spend in order to get the two free Qantas lounge invites?


    • I would check that with Westpac and/or Qantas. In the card’s PDS, it states:

      Selected Qantas products and services are the following items purchased directly from Qantas: Qantas passenger flights (with a QF flight number), Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar, Qantas Holidays, Qantas branded non-airfare products and any Qantas products and services not purchased directly from Qantas.

      Not sure if the flights have to be with cash only or points and cash.

  20. JC

    The T&Cs state that you have to register your card, then spend on Qantas flights or Club before you can claim the lounge passes. Does that mean that I have to register “Every Year” prior booking Qantas flights in order to get the lounge passes?

    • I’m pretty sure you don’t have to register again as your preference for Qantas Points over Altitude Rewards will carry over from the previous year, meaning you just have to make the eligible purchase of Qantas products to trigger the lounge invitations each year. You may want to give Westpac a quick call to confirm this though.

      • nkuruvil

        Mark. Any idea if the purchase of flights/Qantas products can include the taxes/fees/duties if I wanted to use FF points to purchase the initial flight itself, and use the altitude black for the remainder of the purchase?

  21. Peter Howard

    Yes! I didn’t get my full bonus, I was just given 50,000 which is Westpac’s standard bonus when you sign up via their site. I argued that I’d most certainly signed up via Point Hacks for the larger bonus and that I’d never been to the Westpac site unless it was a re-direct from Point Hacks, yet I was declined. Not a happy bunny, but short of having someone video record you making the application what can be done?

    • Being a supplementary cardholder does not preclude you from being able to get bonus points because, technically, you are a new customer (the primary cardholder is the one who is responsible for the original card’s expenses).

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