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140,000 Spend $6,000 within first 120 days
Westpac Altitude Black Credit Card
Westpac Altitude Black Credit Card

Westpac Credit Cards

Westpac Altitude Black Credit Card

Updated 17 May 2022

Receive 140,000 bonus Altitude Points when you spend $6,000 on eligible purchases within 120 days of card approval. In terms of value, 140k bonus points currently get you $590 in e-Gift cards with Altitude Rewards1. Get 0% p.a. for 24 months on balance transfers (1% balance transfer fee applies, reverts to variable cash advance rate). Enjoy a discounted annual fee in the first year plus a range of complimentary insurances for travel and purchased goods.

T&Cs apply. Offer ends 30 June 2022

Points Earn Rate (per $1 spent)

1.25 points

Altitude

Rewards Program

Altitude Rewards

Bonus Points

140,000 pts

Spend $6,000 within first 120 days

Pros and cons

  • 140,000 bonus Altitude points when you spend $6,000 within 120 days of card approval. In terms of value, 140k bonus points currently gets you $590 in e-Gift cards with Altitude Rewards1
  • 0% p.a. for 24 months on balance transfers (1% balance transfer fee, reverts to the variable cash advance rate)
  • Discounted $99 annual card fee in the first year; $250 thereafter
  • 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

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

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 19.99% 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 24 months

Balance transfer revert rate 21.49% p.a.

Balance transfer from personal loan No

Balance transfer fee 1% one off

Balance transfer limit 80% of approved credit limit

Brands 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 (personal); 3% or $10 whichever is greater (business)

Annual fee the first year $99

Cash advance fee 3%

Late payment fee $15

Rewards and points

Rewards program

Rewards Program Altitude Rewards Altitude Rewards

Bonus points 140,000 points

Annual points cap uncapped

Bonus points spend criteria Spend $6,000 within first 120 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 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

Key features

  • 140,000 bonus Altitude points when you spend $6,000 within 120 days of card approval. In terms of value, 140k bonus points currently gets you $590 in e-Gift cards with Altitude Rewards
  • 0% p.a. for 24 months on balance transfers (1% balance transfer fee, reverts to the variable cash advance 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 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
  • Discounted $99 annual card fee in the first year; $250 thereafter
  • 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

Pauline

Pauline is a personal finance expert at CreditCard.com.au, with 8 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

Recently Asked Questions

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

113 questions (showing the latest 10 Q&As)

Vimla

Vimla

24 May 2022
It talks about 2 free passes for priority pass. Can you please advise is there an annual fee for Priority pass as when I attempt to register it say $99 annual fee. It's not free.
    Pauline - CreditCard.com.au

    Pauline

    25 May 2022
    Hi Vimla, good question! I checked this for you and see that Westpac will provide a special link that you can use to enrol/register your card for priority pass. It usually costs $99 per year with 2 free member visits but courtesy of the Westpac Altitude Black card, these are free.
Sajini

Sajini

16 May 2022
Apply for a new credit card
    Pauline - CreditCard.com.au

    Pauline

    18 May 2022
    Hi Sajini, if you are confident that you have met the eligibility criteria, you can click the green Go To Offer button at the top of this page. Check the card’s terms, conditions and TMD before proceeding with the application.
ingrid

ingrid

10 May 2022
how do i access the 2 complimentary lounge passes please
    Pauline - CreditCard.com.au

    Pauline

    12 May 2022
    Hi Ingrid, you’ve reached Creditcard.com.au, Australia’s leading credit card comparison and information site. I checked this for you and see that you first need to register your Westpac Altitude Black card to receive the 2 complimentary lounge passes. You can reach out to Westpac directly at 132 032 for further information.
Ruhi

Ruhi

29 April 2022
Hi, I am considering getting the Westpac Altitude card. Can I use it for hospital and specialist expenses in Melbourne? Also, is this card suitable for everyday use to earn more points?
    Pauline - CreditCard.com.au

    Pauline

    4 May 2022
    Hi Ruhi, great question. This all depends on how the transactions will be processed. If they’ll be done at a standard EFTPOS machine, then points should be earnt. If you’re prepaying by transferring money or via BPAY then chances are there’s no points on offer. This card offers bonus points on flights purchased in Australia directly with selected airlines along with extra points at various retailers. If your shopping habits frequent those merchants, then this card could help you earn more points.
Matt

Matt

21 April 2022
Is their a requirement that you cannot have held a Westpac credit card within the previous 12 months?
    Pauline - CreditCard.com.au

    Pauline

    22 April 2022
    Hi Matt, I checked Westpac Altitude Black credit card’s terms and it states that those who currently hold Earth or Altitude card products, or have held any of the mentioned card products in the last 12 months are not eligible for the current bonus points offer. If you’re keen on receiving bonus points, you can check our tool to compare the different credit cards we have access to that all have bonus point special offers.
Sam

Sam

21 April 2022
This card gives you two priority lounge accesses. is that the same for additional card holder or two in total per annum ? is this a financial year/calendar year or 12 mths from the first used ? Thanks
    Pauline - CreditCard.com.au

    Pauline

    22 April 2022
    Hi Sam, I do see that 2 complimentary priority passes are indeed included with the Westpac Altitude Black credit card. It is however awarded to the primary card holder in a 12-month period, which you can use one at a time, or one of which may be used by your accompanying guest. This period is counted from the time you have enrolled your card for priority pass. You can check their official priority pass page for more detailed information.
Darryl

Darryl

11 April 2022
Hi We are flying Internationally in June with Singapore airlines. I have noticed that my Mastercard has complimentary lounge passes. Can I use them for this or do I have to fly with Qantas?
    Pauline - CreditCard.com.au

    Pauline

    11 April 2022
    Hi Darryl, you’ve actually reached Creditcard.com.au, Australia’s leading credit card comparison and information site. Anyhow, if you have the Westpac Altitude Black card and register your card and make sure to enrol in the Priority Pass program, you can receive 2 complimentary lounge visits per year that you can use to access more than 1000 airport lounges. Without knowing what airport you’re flying out of, we can’t give you any more information. You can check the list of lounges at the Priority Pass official website. Safe travels!
Leanne Kelly

Leanne Kelly

5 April 2022
Airport Complimentary airport lounge passes. Sydney airport - Details? Cost for Extra Adult? Do we need to book? Thank You, Leanne
    Pauline - CreditCard.com.au

    Pauline

    8 April 2022
    Hi Leanne, you’ll need to register your card at https://loungepass.altitudeblack.com.au/. For more specifics, I suggest reaching out to Westpac or Allianz directly to get specifics for your travel requirement.
Selvi

Selvi

2 April 2022
Hi Pauline, I have a Westpac Altitude Black Card. I am travelling overseas, how do I get a letter of eligibility for my insurance. have got the booklet. Thanks Selvi
    Pauline - CreditCard.com.au

    Pauline

    4 April 2022
    Hi Selvi, you can reach out to Westpac directly at 132 032 to request for your letter of eligibility.
BROOK

BROOK

1 April 2022
JUST TO CALIRIFY Interest free period is for both Purchase rate and cash advance rate?
    Pauline - CreditCard.com.au

    Pauline

    1 April 2022
    Hi Brook, the interest free period only applies to purchases. Any cash advances will be charged interest from the moment the transaction takes place.
Julia Dargan

Julia Dargan

21 March 2022
Do I have to buy the tickets using the card?
    Pauline - CreditCard.com.au

    Pauline

    23 March 2022
    Hi Julia, good question! If you are referring to the included travel insurance, it states in the card’s insurance terms that you need to spend at least $500 and put the charge on the account holder’s card account the prepaid costs of your travel, you may be covered. Please note that you need to meet the other eligibility requirements too. I strongly recommend that you reach out to Westpac or Allianz before you schedule your travel for your requirements and see what your options are. Safe travels!
Lisa Prowd

Lisa Prowd

15 November 2021
Looking at the Westpack Altitude Black credit card, will i get point for rent payments, storage fees, bill paymetns etc.?
    Pauline - CreditCard.com.au

    Pauline

    16 November 2021
    Hi Lisa, you will earn Altitude points on eligible purchases made like shopping, groceries and eating out. According to Westpac’s T&Cs, interest, fees & charges, cash equivalent transactions, purchase from or payment to a government related agency, BPAY or similar transactions are not included in what they consider eligible transactions. To try work around the limitations you can try reading our guide to paying rent on your card and our earn points with BPAY guide. Hope this helps!
Jodie L Elcock

Jodie L Elcock

28 October 2021
what are the eligible purchases
    Pauline - CreditCard.com.au

    Pauline

    29 October 2021
    Hi Jodie, the eligible purchases are those transactions or payments you make daily. To name a few, these are payments towards your groceries, petrol, restaurants, or even doctor’s fees. Hope this has helped!

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