- 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
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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
AltitudeRewards Program
Altitude Rewards
Bonus Points
150,000 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 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
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
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
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
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 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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