ANZ Frequent Flyer Black vs Westpac Altitude Black (Qantas)
Rates and conditions verified 14 June 2026
Rates can change without notice. Last verified: 14 June 2026 (AEST). Please confirm details on the bank’s official page.
Two premium big-bank Qantas Points cards with large sign-up bonuses and travel perks. The trade-off is the size of the bonus against the annual fee — and the lounge and insurance extras that come with each.
At a glance
| ANZ Frequent Flyer Black | Westpac Altitude Qantas Black | |
|---|---|---|
| Bonus points | 130,000 pts | 150,000 pts |
| Annual fee | $425 | $295 |
| Condition to earn it | Sign-up bonus after meeting a minimum spend in the first few months | Sign-up bonus after meeting a minimum spend in the first few months |
ANZ Frequent Flyer Black
Condition: Sign-up bonus after meeting a minimum spend in the first few months
Best for: frequent flyers chasing the largest Qantas Points sign-up bonus and premium travel perks
- • Earns Qantas Points
- • Large sign-up bonus
- • Premium travel insurance + lounge access
Westpac Altitude Qantas Black
Condition: Sign-up bonus after meeting a minimum spend in the first few months
Best for: those who want Qantas Points and premium perks at a lower annual fee
- • Earns Qantas Points
- • Lower annual fee than some rivals
- • Complimentary insurances
The verdict
Both are premium Qantas Points cards built around a big sign-up bonus and travel extras, so do the maths on the first-year value: the bonus points minus the annual fee, plus how much you'll use the lounge passes and insurance. The table shows the points and fees side by side. If you'll hit the spend target and value the larger bonus, one leads on points; if you'd rather pay less each year for a similar perk set, the other has the edge. Either way, only worth it if you clear the balance monthly — the purchase rate on rewards cards is high.
FAQs
Which card has the bigger sign-up bonus?
The bonus points and annual fees are shown in the table above. One card leads on the headline bonus while the other counters with a lower annual fee, so compare the first-year value (bonus value minus fee) for your situation — and remember sign-up bonuses require meeting a minimum spend.
Are these cards worth the annual fee?
Premium Qantas cards earn their keep in year one through the sign-up bonus and perks like lounge passes and travel insurance. Beyond that, weigh the ongoing fee against the points you'll earn and the perks you'll actually use. They only make sense if you pay the balance in full each month.
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Information verified 14 June 2026. Rates are variable and subject to change. Confirm current rates and conditions on each provider's website before applying. This is not financial advice.