Westpac Altitude Black Credit Card

Pauline Hatch

Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Ask Pauline a Question about this card.

The Westpac Altitude Black Credit Card offer with 0% balance transfer and 140,000 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 140,000 bonus Altitude points when you spend at least $6,000 within 120 days of card approval. Plus, it also offers 0% p.a. on balance transfers for 24 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 will earn 140,000 bonus points with this card. To be eligible, you need to spend $6,000 within the first 120 days of approval. In terms of value, 140k bonus points currently get you $590 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

You can also get 0% p.a. for 24 months on balance transfers requested at card application (a 1% balance transfer fee applies). After 24 months, the rate reverts to the variable cash advance rate.

The annual fee is discounted for the first year so you only pay $99 instead of the standard $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.