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150,000 Spend $4,000 within first 90 days
Westpac Altitude Black Credit Card
Westpac Altitude Black Credit Card

Westpac Credit Cards

Westpac Altitude Black Credit Card

Updated 27 August 2021

Receive 150,000 bonus Altitude points when you spend $4,000 on eligible purchases within 90 days of card approval. In terms of value, 150k bonus points currently gets you $620 in e-Gift cards with Altitude Rewards1. The Westpac Altitude Black Credit Card also offers 0% p.a. for 18 months on balance transfers (a 1% balance transfer fee applies, reverts to variable cash advance rate) plus a range of complimentary insurances for travel and purchased goods.

T&Cs apply. Offer ends 30 November 2021

Points Earn Rate (per $1 spent)

1.25 points

Altitude

Rewards Program

Altitude Rewards

Bonus Points

150,000 pts

Spend $4,000 within first 90 days

Pros and cons

  • 150,000 bonus Altitude points when you spend $4,000 within 90 days of card approval. In terms of value, 150k bonus points currently gets you $620 in e-Gift cards with Altitude Rewards1
  • 0% p.a. for 18 months on balance transfers (1% balance transfer fee, reverts to the variable cash advance rate)
  • $250 annual card fee
  • Earn 6 Altitude Points per dollar spent up to $10,000 per calendar month on flights purchased in Australia directly with Qantas, Jetstar, Emirates and Singapore Airlines, then 1.25 points per $1 spent thereafter
  • Earn 2 Altitude Points per dollar spent overseas spend and with David Jones, Myer, THE ICONIC, Spotify Premium, Uber, Uber Eats and Airbnb
  • Earn 1.25 Altitude Points per dollar 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
  • Free additional card holder

  • High interest rate

Creditcard.com.au review

Editor Review

Westpac Altitude Black Credit Card

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. about this card.

The Westpac Altitude Black Credit Card offer with 0% balance transfer and 150,000 bonus Altitude Points

Westpac Altitude Black Credit Card allows you to earn bonus points through three rewards programs - Westpac Altitude Rewards, Velocity Frequent Flyer, and Qantas Frequent Flyer. If you opt for Westpac’s own loyalty program Altitude Rewards, you’ll receive 150,000 bonus Altitude points when you spend at least $4,000 within 90 days of card approval. Plus, it also offers 0% p.a. on balance transfers for 18 months, a huge credit limit and complimentary insurances.

What we love...

Let’s take a closer look at what the Westpac Altitude Black Credit Card card offers. You can get 0% p.a. for 18 months on balance transfers requested at card application (a 1% balance transfer fee applies). After 18 months the rate reverts to the variable cash advance rate.

You also earn 150,000 bonus points with this card. To be eligible, you need to spend $4,000 within the first 90 days of approval. In terms of value, 150k bonus points currently gets you $620 in e-Gift cards with Altitude Rewards1. The uncapped points earned gives you 1.25 Altitude points per $1. Choose your rewards program: Altitude Rewards or Altitude Velocity or Altitude Qantas

The annual fee is $250 and you get one free additional card holder.

Your 24/7 Westpac Concierge service can help you with anything from booking restaurants and securing concert tickets to planning a work event. You can make requests 24/7 over the phone. With this card you also get access to a range of complimentary insurances like overseas travel insurance for up to 6 months, transit accident insurance and extended warranty.

Earn rate:

  • Earn 6 Altitude Points per dollar spent (up to $10,000 per calendar month) on flights purchased in Australia directly with Qantas, Jetstar, Emirates and Singapore Airlines, then 1.25 points per $1 spent thereafter.
  • Earn 2 Altitude Points per dollar spent on overseas purchases and with David Jones, Myer, THE ICONIC, Spotify Premium, Uber, Uber Eats and Airbnb.
  • Earn 1.25 Altitude Points per dollar spent on all other eligible purchases.

What’s not so great...

While the earn rate is uncapped it's not great. Note that it has a relatively high standard interest rate for purchases.

Why should you choose this card?

The Westpac Altitude Black features a great balance transfer offer and uncapped points earning with a choice of three excellent rewards programs: Altitude, Velocity and Qantas. With Altitude Rewards you can redeem points for homewares, technology and much more. And you can transfer your points to frequent flyer points with Singapore Airlines, KrisFlyer, Malaysia Airlines, Enrich, Air New Zealand Airpoints and Cathay Pacific Asia Miles.

Overall Rating

A premium rewards credit card with uncapped points, a fantastic balance transfer benefit and bonus points offers, plus your choice of excellent rewards programs: Altitude, Velocity and Qantas.

User reviews

Westpac Altitude Black Credit Card ( based on 8 Creditcard.com.au user reviews )

88% rating based on 8 reviews

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates



Purchase rate 20.49% p.a.

Cash advance rate 21.49% p.a.

Interest free period on purchases up to 45 days

Balance transfer

Balance transfer rate 0% p.a. for 18 months

Balance transfer revert rate 21.49% p.a.

Balance transfer from personal loan No

Balance transfer fee 1%% one off

Balance transfer limit N/A

Banks you can't balance transfer from Westpac

Credit limits

Minimum credit limit $15,000

Maximum credit limit $75,000

Fees & repayments

Annual fee $250 p.a.

Additional cardholder fee $0 p.a.

Foreign transaction fee 3%

Minimum repayment 2% or $10, whichever is greater

Cash advance fee 2% or $2.50, whichever is greater

Late payment fee $15

Rewards and points

Rewards program

Rewards Program Altitude Rewards Altitude Rewards

Bonus points 150,000 points

Annual points cap uncapped

Bonus points spend criteria Spend $4,000 within first 90 days

Earning points with this card

Altitude Rewards points 1.25 points per $1 spent

Points cap per month N/A

Overseas earn rate same as standard earn rate

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

2 lounge passes per year with Priority Pass

Overview

Westpac Altitude Black Credit Card

Altitude Rewards Terms and Conditions

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 cash back 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

Key features

  • 0% p.a. for 18 months on balance transfers (1% balance transfer fee, reverts to the variable cash advance rate)
  • 150,000 bonus Altitude points when you spend $4,000 within 90 days of card approval. In terms of value, 150k bonus points currently gets you $620 in e-Gift cards with Altitude Rewards
  • Earn 6 Altitude Points per dollar spent up to $10,000 per calendar month on flights purchased in Australia directly with Qantas, Jetstar, Emirates and Singapore Airlines, then 1.25 points per $1 spent thereafter
  • Earn 2 Altitude Points per dollar spent overseas spend and with David Jones, Myer, THE ICONIC, Spotify Premium, Uber, Uber Eats and Airbnb
  • Earn 1.25 Altitude Points per dollar 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
  • $250 annual card fee
  • Free additional card holder
  • Choice of excellent rewards programs: Altitude, Velocity and Qantas

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Resident or citizen of Australia

  • Minimum income of $75,000 p.a.

  • You have your personal details ready to complete the online application

Roland B Bleyer

Roland B Bleyer founded Creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

Recently Asked Questions

Something you need to know about this card? Ask a our credit card expert a question.

99 questions (showing the latest 10 Q&As)

John Gates

John Gates

31 August 2021
I sent in a question in a few moments ago and after reading the acknowledgement from you, I realise now there are a couple of assumptions made by me. I will rewrite my question. I have had a Westpac Altitude Black C C for over 20 years.I have been recently been rejected for a domestic travel tour CLAIM.I do not seem to be able to get a straight answer from Westpac or their travel insurance provider,Allianz, as to if my domestic claim is covered OR NOT. It would seem to me ...................etc etc.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    1 September 2021
    Hi John, thanks for your message and sorry to hear about your issues. Without knowing the details of your circumstance or claim, it’s very hard to pass a comment. With all products, it’s always important to read the fine print to any included travel insurance. As annoying as it sounds, you may just need to keep dealing with your providers to get an answer. Banks and credit providers use sign-up bonuses like points and balance transfers to attract new customers, so now might be a good time to compare a few other options.
Yo

Yo

29 August 2021
We spent more than 4k within 90 days since we have got Westpac altitude black c.c but we've received only 90k points, not 150k points. Why??
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    31 August 2021
    Hi Yo, I’d just like to check if you signed up for the Qantas Altitude Black Credit card? This card comes with 90k bonus points when you meet the spend and a further 30,000 bonus Qantas Points on your next year's first eligible spend. If you’d like to chat directly to Westpac you can reach them at 132 032.
john watson

john watson

27 August 2021
If transitioning from westpac earth black to westpac altitude black does eligibility for the 150000 bonus points apply
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    31 August 2021
    Hi John, per Westpac’s terms, anyone with an existing Earth or Altitude credit card, or have held any of the mentioned cards in the last 12 months, are not eligible for the bonus points offer. If you’d like to use our comparison tool to check out other rewards credit cards, pop in your spend and see what offers are available.
Araceli Natividad

Araceli Natividad

11 August 2021
hi can you explain a little bit more on the yearly access to international airport lounge. and what is a priority pass?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    12 August 2021
    Hi Araceli, thanks for your question! Priority Pass is a perk that is included with some credit cards. These airport lounges offer those cardholders that travel to spend their preflight time in an airport lounge and provide complimentary use of charging stations, free W-Fi access, complimentary drinks, comfortable seating, etc. You can compare a range of priority pass credit cards to get started.
Boonie

Boonie

22 June 2021
I have a Singapore Airlines Westpac Gold Visa Card @ 125$/year fee with direct earning of KrisFlyer miles. I usually fly SIA. Westpac decided to stop this card and offering me Westpac Altitude Black MC. Please advice?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    23 June 2021
    Hi Boonie and thanks for your comment. THe Westpac Altitude Black Mastercard could work as a replacement card as the points earnt can be transferred to KrisFlyer miles. There are no direct earn cards in Australia for KrisFlyer, just indirect earn via points transfers. Another option for conversion to SIA KrisFlyer is the American Express Platinum Edge Credit Card. If you’d like to compare other options, you can use our Frequent Flyer comparison tool.
Neville

Neville

9 May 2021
I have this altitude card and was wondering does it cover accident damage on Australian domestic car hire
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    10 May 2021
    Hi Neville, there is a rental vehicle excess element with this credit card. I've linked the PDF for Westpac here which explains what is and isn't covered. Thanks!
Anthony

Anthony

1 March 2021
Hi Roland, What are other eligible purchases? Earn 1.25 Altitude Points per dollar spent on all other eligible purchases.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    2 March 2021
    Hi Anthony, eligible purchases include most of your everyday spending like groceries, petrol and retail shopping. Transactions that are not considered eligible include: interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account.
AMSHA GOVENDER

AMSHA GOVENDER

8 February 2021
Hi I am interested in the Westpac Altitude Black Credit Card. Please advise if the complimentary international travel insurance applies only to the cardholder or to the family as well. Thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    9 February 2021
    Hi Amsha, The overseas travel insurance offered on the Westpac Altitude Black card applies to the family as well. As with all insurance policies, there are some general eligibility criteria you'll need to meet and you can find them on pages 28-30 of the Westpac Insurance PDS. I hope that helps!
Carleigh

Carleigh

8 February 2021
Hi there, Just wondering what is better for points, the westpack altitude card or the quantas premium? If I go with altitude, can I use them on quantas, or will I effectively loose the value of the points?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    9 February 2021
    Hi Carleigh, Right now, the Westpac Altitude Black with Qantas Points offers 120,000 bonus Qantas Points (90,000 in the first 90 days and 30,000 in the second year when you meet the spend requirement). The Qantas American Express Premium card only offers 30,000 bonus Qantas Points (in the first 3 months). If you apply for the Westpac Altitude Black with Altitude Points (instead of Qantas direct), you'll be eligible for 150,000 bonus Altitude Points but those points cannot be transferred to Qantas.
Yeong

Yeong

18 January 2021
Hi Roland, I spend about $2500 monthly on bills and etc in Melbourne - i'm looking to get a credit to accummulate points, ultimately for flight redemption (preferably not tied to any airlines - but i usually fly Malaysian Airlines / Singapore Kris Airlines) and a card with little to no overseas transaction, just wondering if you could suggest any cards that fall into this category? I've been looking at the commonwealth ultimate rewards card but not sure what to make of it. Thank you.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    19 January 2021
    Hi Yeong, with wanting no foreign fees, then the CBA Ultimate card is likely to be the pick. Most other rewards cards have foreign fees. The Ultimate card is a nice package with strong points earning and ability to rebate the monthly fee.
DARROLL TIGHE

DARROLL TIGHE

1 January 2021
How Do I Apply for one of these Card's Can youu Assist Me please thank youu
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    4 January 2021
    Hi Darroll, you can apply directly from the Westpac site by following this link. Click the apply now link on this page. Let me know if you have any further questions.
jasmine C

jasmine C

4 December 2020
it says ear 1.25 points per dollar spend for Altitude Black credit card yet on further reading it says 0.75 per 1.00 spend. Hello? Confusing. Please explain as for Qantas
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    7 December 2020
    Hi Jasmine, there are 2 versions of the Altitude Black. One that earns Altitude points. Earn 6 Altitude Points per dollar spent up to $10,000 per calendar month on flights purchased in Australia directly with Qantas, Jetstar, Emirates and Singapore Airlines, then 1.25 points per $1 spent thereafter. Earn 2 Altitude Points per dollar spent on overseas spend and with David Jones, Myer, THE ICONIC, Spotify Premium, Uber, Uber Eats and Airbnb. Earn 1.25 Altitude Points per dollar spent on all other eligible purchases. Then there is the Qantas points earning version: 0.75 Qantas Points per dollar uncapped. If you are looking for a higher Qantas points earn rate. Than have a look at the ANZ Frequent Flyer Black or NAB Qantas Rewards Signature. For a more low cost, lower spend Qantas points earning card check out the Qantas Premier Everyday.
Farrukh

Farrukh

23 November 2020
looking for a business credit card to replace my AMEX, is Altitude Black a personal or business card?
NICHOLAS

NICHOLAS

13 September 2020
HI THERE, I AM INTERESTED IN THIS CARD AND AM CURIOUS IF ALL ATO AND GOVT AGENCY CHARGES WILL EARN REWARDS POINTS
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    14 September 2020
    Hi Nicholas, this card does not earn points at the ATO and Gov spend. Typically only AMEX cards will earn points (0.5). Though there may be a surcharge that out ways the rewards you earn.
Derek

Derek

8 September 2020
What is the approximate dollar value of 432000 Altitude points in international flights primarily to the UK.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    9 September 2020
    Hi Derek, looking at travel gift cards - $500 Flight Centre eGift Card 117,500 Altitude points - would be around $1850 in vouchers. Though likely to get more value converting to airline reward points. Air New Zealand Airpoints > 180 Altitude Points = $1 Airpoints Dollars Cathay Pacific Asia Miles > 3 Altitude Points = 1 Asia Mile. Malaysia Airlines Enrich > 3 Altitude Points = 1 Enrich mile. Singapore Airlines KrisFlyer > 3 Altitude Points = 1 KrisFlyer mile. I like Singapore airlines - therefore those points convert into 144,000 KrisFlyer Miles. You can review the flights you can get with each.
Chantelle

Chantelle

23 July 2020
Does the Westpac altitude black card 150k bonus points - can you request these as Qantas points?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    27 July 2020
    Hi Chanetelle, you can choose to earn Qantas points with this card. The points do change. Earn up to 120,000 bonus Qantas Points~. Apply for the Westpac Altitude Black card and spend $4,000 or more on eligible purchases† within 90 days of new card approval and you'll get the initial 90,000 bonus Qantas Points. Plus, you'll receive an additional 30,000 bonus Qantas Points after making the first eligible purchase† in the second year of your card account being active.~. Uncapped points earn rate: 0.75 Qantas Points per dollar spent on eligible purchases.
Rohan

Rohan

24 June 2020
When did they start the promotion to give 150K bonus points as welcome benefits?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    25 June 2020
    Hi Rohan, I cannot recall the actual start date of this promotion. From memory it has been in play for a number of months on the Westpac Altitude Black.
Bryan Gardiner

Bryan Gardiner

4 March 2020
Where can I access the travel insurance policy for an Altitude Mastercard
Ernesto

Ernesto

23 October 2019
Hi Roland. I'm considering in signing up for a travel reward card as my partner and I are willing to do it twice a year, being South America ( currently having points with Latam) a recurrent destination. We're keen to pay some annual fees but having good rewards like Lounge access, etc. Which card can you recommend? Thanks.!
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    24 October 2019
    Hi Ernesto, how much a month are you likely to spend on the card? I had a look at Latam. I do not think the rewards program is aligned with any cards here in Australia. Outside of this would you travel Qantas or use Velocity points more? Do you travel in Australia at all?

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