All credit cards
ANZANZ Frequent Flyer Black
WestpacWestpac Altitude Qantas Black
100,000 Qantas Frequent Flyer points150,000 Qantas Frequent Flyer pointsQantas Frequent FlyerQantas Frequent Flyer10.8
Credit cards · Side by side
ANZ Frequent Flyer Black vs Westpac Altitude Qantas Black
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First-year value after costs, on an assumed $2,000 a month
$167
$192 rewards + $400 bonus, less costs
$629
$109 rewards + $720 bonus, less costs
Westpac Altitude Qantas Black's first-year value is $462 higher than ANZ Frequent Flyer Black's, on an assumed $2,000 a month.
An assumed $2,000 a month on the card. Drag to try yours
Figure by figure
First-year value
after costs, on an assumed $2,000 a month
$167
$629
$462 more · Higher value after costs
Sign-up bonus
in dollars, points at what a point buys
$800
100,000 Qantas Frequent Flyer points$1,200
150,000 Qantas Frequent Flyer points$400 more · Larger sign-up bonus
What the bonus asks
spend on the card
$6,000 in 3 months
50,000 points in year one
$6,000 in 3 months
90,000 points in year one
Annual fee
ongoing, with any rewards program fee
$425
$25 less · Lower annual fee
$450
$295 card + $155 rewards program
First-year fee
$425
the same as later years
$200
then $450 a year
$225 less · Lower first-year fee
Rewards program
Qantas Frequent Flyer0.80¢ a point
Qantas Frequent Flyer0.80¢ a point
Earn rate
on everyday spend, at what a point buys
1Qantas Frequent Flyer points per $1 · about 0.80% back
0.16% more back · Higher earn rate
0.8Qantas Frequent Flyer points per $1 · about 0.64% back
Purchase rate
22.49%
a year
1.49 lower · Lower purchase rate
23.98%
a year
Interest-free days
on purchases, at most
44 days
45 days
1 more · More interest-free days
Overseas transaction fee
3.50%
of each overseas purchase
3.00%
of each overseas purchase
0.50 lower · Lower overseas fee
Balance transfer rate
23.49%
No offer
Balance transfer period
No offer
No offer
Cash advance rate
23.49%
a year
0.50 lower · Lower cash advance rate
23.99%
a year
Additional cardholder fee
$65
a year for each extra card
None
a year for each extra card
$65 less · Lower additional cardholder fee
Minimum credit limit
$15,000
$6,000
up to $75,000
Minimum income
Not published
$75,000
a year
Complimentary travel insurance
Included
Included
Airport lounge access
No
Included
domestic
Network
Visa
Black
Mastercard
Black
Over time
Each card's figure as it stood each week since we began tracking cards. A move shows as ▲ or ▼ in the week it happened.
As of 14 October 2026, ANZ Frequent Flyer Black charges $425 a year and its sign-up offer is 100,000 Qantas Frequent Flyer points; Westpac Altitude Qantas Black charges $450 a year and its sign-up offer is 150,000 Qantas Frequent Flyer points. Points are valued at what a point buys (a bank's own points at its gift card rate, airline points at 0.8¢), and the value after costs is worked out on the spend above. Each row says which figure is higher or lower; it doesn't rank the cards.
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