Bonus points: Earn up to 200,000 bonus Altitude points—100k points when you spend $12,000+ on eligible purchases within the first year, plus an additional 100k points when you spend $12,000+ on eligible purchases in year 2.
Annual fee discount: the first year’s annual fee is $200 (then $295).
Foreign transaction fee: $0 foreign transaction fees for the first 12 months from card approval.
Travel perks: 2 complimentary Priority Pass lounge passes, complimentary domestic and international travel insurance and transit accident insurance.
Earning points: Earn 3 Altitude Points per $1 spent overseas; 1 Altitude Point on all other purchases.
Earning everyday points: Earn 2 Altitude Points per $1 on everyday purchases.
Extras: one free additional cardholder and 24/7 global concierge services.
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Westpac Credit Cards
Westpac Altitude Black Credit Card
Updated 27 November 2025
A premium reward card with travel bonuses, the Westpac Altitude Black comes loaded with up to 200,000 bonus Altitude Rewards Points (worth $700 in eGift cards) 🛍 Points can also be redeemed for cashback, merchandise and a range of frequent flyer programs.
You’ll get travel insurance, lounge access and a discounted annual fee for the first year. This card suits travellers and those who want flexibility in spending points.
T&Cs apply.Points Earn Rate (per $1 spent)
2 points
capped at $10,000, 0.5 Altitude points per $1 on further eligible purchases
Rewards Program
Altitude Rewards
Bonus Points
Up to 200,000 pts
100k points when you spend $12,000+ within the first year, plus an additional 100k points when you spend $12,000+ in year 2.
Pros and cons
- High interest rate
Creditcard.com.au review
Editor Review
Westpac Altitude Black Credit Card
Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Ask Pauline a Question about this card.
Who suits the Westpac Altitude Black card?
Globetrotter: you love travelling, and get a buzz from earning points that make your trips free and more fun.
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Deal Digger: you're always on the lookout for freebie perks like insurances, dining discounts and earning points for paying bills.
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Healthy Spender: your cashflow is high but healthy and you want to earn high-volume points. Perks and travel extras are a bonus.
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Altitude Rewards Terms and Conditions
Editor’s Overall Review
If you spend a lot of time on the road or in the air, the Westpac Altitude Black could make life a little more comfortable and save a dollar or two. It includes a ton of travel perks including lounge passes and global travel insurance.
At $295 per year, it sits in the mid-range of rewards cards, and the annual fee is offset for the first two years by the annual fee discount the first year, and the value of the bonus points on offer.
While many people tend to overlook concierge services, Westpac has upped its game by giving you access to a number of discounts, hard-to-get tickets and exclusive events by partnering with Ten Lifestyle Services.
Editor’s Full Review: the Westpac Altitude Black
The Westpac Altitude Black has a few bright-and-shiny perks to catch your eye, especially if you’re a frequent traveller. It earns Westpac’s Altitude Points, so you can use your points flexibly, including fights with several different airlines.
First, I’ll unpack the promotional perks, and then we’ll look at how this card can be used as a globetrotter’s companion.
Bonus points: The bonus points are split into 2 parts: you’ll get 100,000 bonus Altitude Rewards points if you spend at least $12,000 on eligible purchases within 12 months of being approved for your card, and then another 100,000 points in the second year when you again spend $12,000 on eligible purchases.
To be eligible for the bonus points, you can’t have had an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card within the past 12 months. You have to apply and be approved.
Bonus points are credited to your account within 12 weeks of meeting the spending criteria. If you don’t meet the spending requirements for the initial 120,000 points, you can still earn the 40,000 points the following year.
Annual fee discounts: For the first year, you’ll pay $200 for the annual fee rather than $295. Existing Westpac customers can get an even bigger discount of $99 for the first year by logging in and applying through the online portal.
Using the Westpac Altitude Black for travel
Like a well-stocked globetrotters bumbag, this card comes with almost every premium travel perk you could think of.
Let’s start with the different kinds of insurance. Some are specific to travel, and I've also included insurances that protect your purchases.
| Feature | What you're covered for | Potential savings |
|---|---|---|
| Complimentary overseas travel insurance | You’ll get up to 6 months’ cover for international travel when you meet eligibility criteria, such as prepaying $500 of your travel costs to your card and having a return ticket before departing. | $50-$1,000+ depending on frequency of travel, age, and destination |
| Overseas Transit Accident Insurance | This insurance may cover specified accidental death or injury sustained while overseas if you’re riding, boarding or hopping off a plane, bus, train or shorthaul ferry as a passenger. You’ll need to have purchased the tickets for the entire trip using your card before you leave. | Covers some medical costs and transport |
| Rental Vehicle Excess in Australia | You may be covered if a rental car you’re driving is involved in an accident, or damaged or stolen while in your care. | Could cover your nominated excess |
| Purchase Protection Insurance | You’ll get up to 4 months Purchase Protection Insurance on eligible purchases, which could cover damage to physical goods you buy with your card. | Could cover the cost of some damaged goods. |
| Extended Warranty Insurance | Complimentary extra warranty insurance cover for up to 24 months on personal items you buy with your card. | Could cover repairs or replacement of purchased items. |
On top of insurances, you'll also get 2 lounge passes per year with Priority Pass, which has over 1200 premium lounges around the world you can use regardless of the airline you fly with. One of your passes can be gifted to a guest travelling with you, which is a very nice twist on the usual non-transferable rule.
If you want to use a Priority Pass lounge once your free visits are used up for the year, you can still enter the lounge for US$32 per person. You’ll need to enrol in Priority Pass once you have your Westpac Altitude Black card at www.prioritypass.com/westpacblack.
What about the Concierge and Lifestyle Services?
24 hours a day, you can request to have restaurant bookings (including off-beat bespoke requests), appointments, tickets to events, holidays, tours and more organised by a concierge on your behalf. When you book using Westpac’s concierge, you could also get other perks like room upgrades, complimentary breakfast, and exclusive seating at events.
Earning points with the Westpac Altitude Black
This card earns points in Westpac’s own Altitude Rewards program. I’ll explain what you can spend your points on in a moment, but first let’s look at how many points you can earn for your spending, and where.
Points per dollar and bonus points
The Altitude Black card is a little different in that you can earn bonus points for shopping with specific retailers and airlines (called Accelerated Earn). That means you can boost your points pretty quickly.
Here’s how it looks:
3 points per $1 on international spend - Earn 3 Altitude Points for every $1 spent overseas, whether you're shopping online with international retailers or using your card while travelling abroad.
2 points for $1 on everyday spend - Earn 2 Altitude Points per $1 spent at a wide range of everyday retailers in Australia. This includes supermarkets, department stores, petrol stations, dining and utilities, making it easy to rack up points on your regular spending.
1.25 points per $1 spend on all other purchases - For purchases that don’t fall under the international or everyday spend categories—such as Afterpay, PayPal or similar services—you’ll still earn a solid 1.25 Altitude Points per $1.
⚡There’s no cap on the total Altitude Points you can earn, but once you reach $10,000 in eligible spend within a statement cycle, the earn rate drops to 0.5 Altitude Points per $1 for any additional purchases that month. On the bright side, there are no rewards program fees, and your points never expire.
Redeeming your Altitude Rewards points
The Westpac Altitude Rewards program is flexible, so you can use your points for almost anything you like. They can be redeemed for gift cards, cash back, with partnering airlines and other travel expenses, and through the Altitude Rewards online store.
Using your points for travel: You can spend your points on flights with Singapore Airlines Krisflyer, Cathay Pacific, Air New Zealand and Velocity. You can also use points for hotels, car hire and activities.
Using your points for cashback: While some cards let you choose a specific purchase on your statement and use points to pay it back, Westpac lets you choose an amount to deposit onto your card. For instance, you can choose to throw $50, $100, $500 or $1000 cashback onto your card.
Using your points for gift cards: Choose from popular retailers such as Bunnings, JB Hi-Fi, Woolworths and Ampol to gift to someone else, or offset your own purchases.
What’s not so great
While this is overall a good card, it does have some things that are worth pointing out. Firstly, you can’t redeem your points for Qantas points on this card (Westpac does offer credit cards that earn Qantas Points directly).
You’ll pay a 3% currency conversion fee when you spend overseas, and a $15 fee if you don’t pay the minimum monthly charges each month.
Who suits the Westpac Altitude Black?
This card is a good fit for people who travel frequently or want to bump up their points from shopping at specific stores. It earns points that can be redeemed flexibly, including with several different airlines. The Priority Pass lounge access is a great bonus and the travel insurance has coverage in Australia and overseas.
User reviews
Rates and fees
Interest rates
Purchase rate 20.99% p.a.
Cash advance rate 21.99% p.a.
Interest free period on purchases up to 45 days
Credit limits
Minimum credit limit $6,000
Maximum credit limit $75,000
Fees & repayments
Annual fee $295 p.a.
Additional cardholder fee $0 p.a.
Foreign transaction fee 0% for the first 12 months
Minimum repayment 2% or $10 whichever is greater (personal); 3% or $10 whichever is greater (business); $40 (Westpac Flex)
Annual fee the first year $200
Cash advance fee 3%
Late payment fee $15
Rewards and points
Rewards program
Rewards Program
Altitude Rewards
Bonus points Up to 200,000 points
Annual points cap uncapped
Bonus points spend criteria 100k points when you spend $12,000+ within the first year, plus an additional 100k points when you spend $12,000+ in year 2.
Earning points with this card
Altitude Rewards points 2 points per $1 spent
Points cap per month capped at $10,000, 0.5 Altitude points per $1 on further eligible purchases
Overseas earn rate 3 points per $1 spent
Additional features
Complimentary insurance
International Travel Insurance Yes - up to 6 months
Flight Inconvenience Insurance Yes
Transit Accident Insurance Yes
Smartphone Screen Insurance No
Purchase Protection Insurance Yes
Extended Warranty Insurance Yes
Rental Vehicle Excess In Australia Insurance Yes
Extras
Travel insurance underwritten by Allianz Australia Insurance Limited
2 lounge passes per year with Priority Pass
Overview
Westpac Altitude Black Credit Card
Disclaimer: The interest-free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest-free period for purchases, to be entitled to that interest-free period, you need to pay off the “monthly payment balance” listed on your statement (not the full closing balance) by the relevant payment due date.
1. Converting Altitude Points: You can redeem the points earned on your Altitude Black Altitude Rewards credit card for cashback or gift cards via the Altitude Rewards website. The estimated cashback and gift card value in above examples are based on current redemption rates as of 20th July 2020 and are subject to change without notification. All redemption of Altitude Rewards points are subject to availability and the Altitude Rewards Terms and Conditions linked above.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
Key features
- Up to 200,000 bonus Altitude points—100k points when you spend $12,000+ on eligible purchases within the first year, plus an additional 100k points when you spend $12,000+ on eligible purchases in year 2.
- Earn 3 Altitude Points per $1 spent on overseas purchases
- Earn 2 Altitude Points per $1 spent on everyday purchases
- Earn 1 Altitude Points per $1 spent on all other eligible purchases
- Altitude Points do not expire
- With Altitude Points Redeem points for flights with Singapore, Cathay Pacific, Malaysia & Air NZ
- $0 annual Altitude Rewards program fee
- Two complimentary lounge passes each year with Priority Pass
- 24/7 personal concierge services
- Overseas travel insurance for trips up to 6 months
- Transit accident insurance and Extended warranty on new products bought on the card
- Discounted $200 annual card fee in the first year; $295 thereafter
- Free additional card holder
- Choice of excellent rewards programs: Altitude, Velocity and Qantas
- $0 foreign transaction fees for the first 12 months from card approval
Minimum criteria to apply for this card
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Be over 18 years old
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Good Credit and have not applied for multiple credit cards recently
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Australian citizen or permanent resident; non-resident or migrant and hold an acceptable Visa, with a min 1 year before expiry
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Minimum income of $75,000 p.a.
You have your personal details ready to complete the online application
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger
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