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Westpac Altitude Black Credit Card
Westpac Altitude Black Credit Card

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

Altitude

Rewards Program

Altitude Rewards

Bonus Points

100,000 pts

Spend $4,000 within first 90 days

0 points over 12 months spend

My monthly card spend

Pros and cons

  • 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

  • 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 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

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

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 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.

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

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.

81 questions (showing the latest 10 Q&As)

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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