- 100,000 bonus Altitude points when you spend $4,000 within 90 days of card approval
- $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, Virgin Australia, 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.
- Altitude Points do not expire
- With Altitude Points Redeem points for flights with Virgin, Singapore, Cathay Pacific, Malaysia & Air NZ
- Two complimentary lounge passes each year with Priority Pass
- Platinum concierge service
- 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
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Westpac Credit Cards
Westpac Altitude Black Credit Card
Updated 19 November 2019
100,000 bonus Altitude points when you spend $4,000 on eligible purchases within 90 days of card approval. Providing a large range of benefits and rewards, there's no doubt that the Altitude Black is an ideal high end rewards card. This card also includes two complimentary airport lounge visits each year, a range of complimentary insurances including overseas travel, extended warranty and transit accident insurance. $75,000 Minimum Income Required to Apply.
Points Earn Rate (per $1 spent)
1.25 points
AltitudeRewards Program
Altitude Rewards
Bonus Points
100,000 pts
Spend $4,000 within first 90 days
Pros and cons
- 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. Ask Roland a Question about this card.
The Westpac Altitude Black Credit Card offer with 100,000 bonus Altitude Points
Receive 100,000 bonus Altitude points when you spend at least $4,000 within 90 days of card approval. Premium rewards credit card from Westpac with huge credit limit and complimentary insurances.
What we love...
Let's look at the bonus points offer, 100,000 bonus Altitude points is on offer with this card. To be eligible for the bonus points you must spend $4,000 within the first 90 days of approval. Uncapped points earning lets you earn 1.25 Altitude points per $1. Choose your rewards program: Altitude Rewards, Altitude Velocity or Altitude Qantas
The annual fee is $250 and you get one free additional card holder.
Platinum concierge service is on hand 24/7 via app when you need help with restaurant bookings, flights, party planning and tickets to events. 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, Virgin Australia, 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.
What’s not so great...
While the earn rate is uncapped it is not great.
Why should you choose this card?
The Westpac Altitude Black features uncapped points earning with a choice of three excellent rewards programs, Altitude, Qantas or Velocity. With Altitude Rewards you can redeem points for homewares, technology and much more. And you can transfer your points to frequent flyer points with Virgin Australia, Velocity, Singapore Airlines - KrisFlyer, Malaysia Airlines - Enrich, Air New Zealand - Airpoints and Cathay Pacific - AsiaMiles.
Overall Rating
A premium rewards credit card with uncapped points earn, fantastic bonus points offer and choice of three excellent rewards programs, Altitude, Velocity and Qantas.
User reviews
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
Credit limits
Minimum credit limt $15,000
Maximum credit limit $75,000
Fees & repayments
Annual fee $250 p.a.
Additional card holder fee $0 p.a.
Foreign transaction fee 3%
Minimum repayment 2%
Cash advance fee 2%
Late payment fee $15
Rewards and points
Rewards program
Rewards Program 
Altitude Rewards
Bonus points 100,000 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 No
Transit Accident Insurance Yes
Smartphone Screen Insurance No
Purchase Protection Insurance Yes
Extended Warranty Insurance Yes
Rental Vehicle Excess In Australia Insurance No
Extras
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 of account (not the full closing balance) by the relevant payment due date.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
Key features
- 100,000 bonus Altitude points when you spend $4,000 within 90 days of card approval
- $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, Virgin Australia, 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.
- Altitude Points do not expire
- With Altitude Points Redeem points for flights with Virgin, Singapore, Cathay Pacific, Malaysia & Air NZ
- Two complimentary lounge passes each year with Priority Pass
- Platinum concierge service
- 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
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. Temporary residents are eligible.
Minimum income of $75,000 p.a.
You have your personal details ready to complete the online application
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.
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