Ask Pauline a Question

Hi, I’m a personal finance expert who loves to help you out! I’ll answer your question within a business day. Pinky swear.

We ask for your email so we can respond to you directly. We won’t share your personal data. For more information, see our privacy policy.

Up to 150k Spend $6k within the first 120 days (100,000 points) in year 1, make an eligible purchase in year 2 (50,000 points)
Westpac Altitude Black Credit Card
Westpac Altitude Black Credit Card

Westpac Credit Cards

Westpac Altitude Black Credit Card

Updated 24 March 2024

A premium reward card with travel bonuses, the Westpac Altitude Black comes loaded with up to 150,000 bonus Altitude Rewards Points (worth $700 in eGift cards) 🛍 Points can also be redeemed for cashback, merchandise and a range of frequent flyer programs.

You’ll get travel insurance, lounge access and a discounted annual fee for the first year. This card suits travellers and those who want flexibility in spending points.

Terms and conditions apply

Points Earn Rate (per $1 spent)

1.25 points


Rewards Program

Altitude Rewards

Bonus Points

Up to 150k pts

Spend $6k within the first 120 days (100,000 points) in year 1, make an eligible purchase in year 2 (50,000 points)

Pros and cons

  • Bonus points: Earn 100,000 bonus Altitude points when you apply by 31 July 2024, and spend $6,000 on eligible purchases within 120 days of being approved in the first 12 months. You can earn another 50,000 points after your first eligible purchase the following year.

  • Annual fee discount: the first year’s annual fee is $150, or $99 if you’re an existing Westpac customer (then $295).

  • Travel perks: 2 complimentary Priority Pass lounge passes, complimentary domestic and international travel insurance and transit accident insurance.

  • Earning points: Earn 6 Altitude Points per $1 up to $10,000 per calendar month on flights purchased with Qantas, Jetstar, Emirates and Singapore Airlines (then 1.25 points thereafter). Earn 2 Altitude Points per dollar spent overseas and with David Jones, Myer, THE ICONIC, Spotify Premium, Uber, Uber Eats and Airbnb.

  • Earning everyday points: Earn 1.25 Altitude Points per $1 on all other eligible purchases.

  • Extras: one free additional cardholder and 24/7 global concierge services.

  • High interest rate review

Editor Review

Westpac Altitude Black Credit Card

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

Who suits the Westpac Altitude Black card?

Globetrotter: you love travelling, and get a buzz from earning points that make your trips free and more fun. Deal Digger: you're always on the lookout for freebie perks like insurances, dining discounts and earning points for paying bills. Healthy Spender: your cashflow is high but healthy and you want to earn high-volume points. Perks and travel extras are a bonus.

Editor’s Overall Review

If you spend a lot of time on the road or in the air, the Westpac Altitude Black could make life a little more comfortable and save a dollar or two. It includes a ton of travel perks including lounge passes and global travel insurance.

At $295 per year, it sits in the mid-range of rewards cards, and the annual fee is offset for the first two years by the annual fee discount the first year, and the value of the bonus points on offer.

While many people tend to overlook concierge services, Westpac has upped its game by giving you access to a number of discounts, hard-to-get tickets and exclusive events by partnering with Ten Lifestyle Services.

Editor’s Full Review: the Westpac Altitude Black

The Westpac Altitude Black has a few bright-and-shiny perks to catch your eye, especially if you’re a frequent traveller. It earns Westpac’s Altitude Points, so you can use your points flexibly, including fights with several different airlines.

First, I’ll unpack the promotional perks, and then we’ll look at how this card can be used as a globetrotter’s companion.

Bonus points: The bonus points are split into 2 parts: you’ll get 100,000 bonus Altitude Rewards points if you spend at least $6000 within 120 days of being approved for your card, and then another 50,000 points if you keep the card for more than 12 months.

To be eligible for the bonus points, you can’t have had an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card within the past 12 months. You have to apply and be approved before 31 July 2024.

Bonus points are credited to your account within 12 weeks of meeting the spending criteria. If you don’t meet the spending requirements for the initial 100,000 points, you can still earn the 50,000 points the following year.

Annual fee discounts: For the first year, you’ll pay $150 for the annual fee rather than $295. Existing Westpac customers can get an even bigger discount of $99 for the first year by logging in and applying through the online portal (this offer expires 31 July 2024).

Using the Westpac Altitude Black for travel

Like a well-stocked globetrotters bumbag, this card comes with almost every premium travel perk you could think of.

Let’s start with the different kinds of insurance. Some are specific to travel, and I've also included insurances that protect your purchases.

Feature What you're covered for Potential savings
Complimentary overseas travel insurance You’ll get up to 6 months’ cover for international travel when you meet eligibility criteria, such as prepaying $500 of your travel costs to your card and having a return ticket before departing. $50-$1,000+ depending on frequency of travel, age, and destination
Overseas Transit Accident Insurance This insurance may cover specified accidental death or injury sustained while overseas if you’re riding, boarding or hopping off a plane, bus, train or shorthaul ferry as a passenger. You’ll need to have purchased the tickets for the entire trip using your card before you leave. Covers some medical costs and transport
Rental Vehicle Excess in Australia You may be covered if a rental car you’re driving is involved in an accident, or damaged or stolen while in your care. Could cover your nominated excess
Purchase Protection Insurance You’ll get up to 4 months Purchase Protection Insurance on eligible purchases, which could cover damage to physical goods you buy with your card. Could cover the cost of some damaged goods.
Extended Warranty Insurance Complimentary extra warranty insurance cover for up to 24 months on personal items you buy with your card. Could cover repairs or replacement of purchased items.

On top of insurances, you'll also get 2 lounge passes per year with Priority Pass, which has over 1200 premium lounges around the world you can use regardless of the airline you fly with. One of your passes can be gifted to a guest travelling with you, which is a very nice twist on the usual non-transferable rule.

If you want to use a Priority Pass lounge once your free visits are used up for the year, you can still enter the lounge for US$32 per person. You’ll need to enrol in Priority Pass once you have your Westpac Altitude Black card at

What about the Concierge and Lifestyle Services?

24 hours a day, you can request to have restaurant bookings (including off-beat bespoke requests), appointments, tickets to events, holidays, tours and more organised by a concierge on your behalf. When you book using Westpac’s concierge, you could also get other perks like room upgrades, complimentary breakfast, and exclusive seating at events.

Earning points with the Westpac Altitude Black

This card earns points in Westpac’s own Altitude Rewards program. I’ll explain what you can spend your points on in a moment, but first let’s look at how many points you can earn for your spending, and where.

Points per dollar and bonus points

The Altitude Black card is a little different in that you can earn bonus points for shopping with specific retailers and airlines (called Accelerated Earn). That means you can boost your points pretty quickly.

Here’s how it looks:

6 points per $1 on Qantas, Jetstar, Singapore Airlines and Emirates flights bought in Australia.

2 points for $1 at Spotify Premium, David Jones, Myer, THE ICONIC, Airbnb, Uber and Uber Eats.

1.25 points per $1 on other eligible everyday spending.

⚡ There is no limit to the amount of Altitude points you can earn. However, you’ll only earn 6 points per dollar on flights up to 10,000 points per month; after that, it drops to 1.25 points. On the plus side, there are no rewards program fees, and your points never expire.

Redeeming your Altitude Rewards points

The Westpac Altitude Rewards program is flexible, so you can use your points for almost anything you like. They can be redeemed for gift cards, cash back, with partnering airlines and other travel expenses, and through the Altitude Rewards online store.

Using your points for travel: You can spend your points on flights with Singapore Airlines Krisflyer, Cathay Pacific, Air New Zealand and Velocity. You can also use points for hotels, car hire and activities.

Using your points for cashback: While some cards let you choose a specific purchase on your statement and use points to pay it back, Westpac lets you choose an amount to deposit onto your card. For instance, you can choose to throw $50, $100, $500 or $1000 cashback onto your card.

Using your points for gift cards: Choose from popular retailers such as Bunnings, JB Hi-Fi, Woolworths and Ampol to gift to someone else, or offset your own purchases.

What’s not so great

While this is overall a good card, it does have some things that are worth pointing out. Firstly, you can’t redeem your points for Qantas points on this card (Westpac does offer credit cards that earn Qantas Points directly).

You’ll pay a 3% currency conversion fee when you spend overseas, and a $15 fee if you don’t pay the minimum monthly charges each month.

Who suits the Westpac Altitude Black?

This card is a good fit for people who travel frequently or want to bump up their points from shopping at specific stores. It earns points that can be redeemed flexibly, including with several different airlines. The Priority Pass lounge access is a great bonus and the travel insurance has coverage in Australia and overseas.

User reviews

Westpac Altitude Black Credit Card ( based on 8 user reviews )

88% rating based on 8 reviews

Customer Service

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

Credit limits

Minimum credit limit $15,000

Maximum credit limit $75,000

Fees & repayments

Annual fee $295 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); $40 (Westpac Flex)

Annual fee the first year $150

Cash advance fee 3%

Late payment fee $15

Rewards and points

Rewards program

Rewards Program Altitude Rewards Altitude Rewards

Bonus points Up to 150k points

Annual points cap uncapped

Bonus points spend criteria Spend $6k within the first 120 days (100,000 points) in year 1, make an eligible purchase in year 2 (50,000 points)

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


2 lounge passes per year with Priority Pass


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

  • Up to 150,000 bonus Altitude points (worth $700 in eGift cards )- 100k points when you spend $6,000 within the first 120 days in year 1, plus 50k Rewards Points after first eligible purchase in year 2
  • 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 $150 annual card fee in the first year; $295 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 is a personal finance expert at, 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 our credit card expert a question.

157 questions (showing the latest 10 Q&As)



4 April 2024
I have bought flights with Latam Airlines to Brazil with stop in Chile. If I join the credit card, will I have access to Latam Lounge in Santiago?
    Pauline -


    18 April 2024
    Hi Stephanie, Priority Pass gives you access to a few lounges in Santiago International airport, which you can see here. Priority Pass has a great FAQ page that answers a ton of questions about entry and how to use the lounge with your complimentary passes. Thanks Stephanie!


2 April 2024
Does the travel insurance with this card cover alternate transport expenses in Australia. My husband and I are doing a hike in Tasmania and we need cover for alternate transport in case one of us has to be walked out of the Bay of Fires if we can not continue the walk due to an injury or illness that does not require evacuation Cheers Fran
    Pauline -


    11 April 2024
    Hi Fran, unfortunately this card doesn't come with domestic travel insurance, only overseas (and no, Tassie doesn't count as overseas haha). You'd be covered under the rental vehicle excess cover and Flight Inconvenience Insurance, but you'd have to look at standalone insurance for your hiking adventure. Good luck, sounds like a great trip!
Warren Roland Barton

Warren Roland Barton

14 February 2024
We would like to access the free travel insurance benefits from using our MasterCard to buy the flight tickets. How do we navigate the way to do this? [email protected]
    Pauline -


    16 February 2024
    Hi Warren, to access the free travel insurance, you can get a written confirmation of your eligibility for coverage. You can do this by providing the necessary information at


4 February 2024
HI Pauline, I am looking a card that offers extremely low fees and maximum qantas frequent flyer points. Does the westpac altitude black card offer such a thing and do the altitude points translate to dollar for dollar frequent flyer points thank you?
    Pauline -


    6 February 2024
    Hey Jamie, sounds like you're looking for the goldmine of credit cards! The Westpac Altitude range are great cards but I'd put them in the moderate-fee category, not low. The Altitude Black doesn't earn Qantas Points, and Altitude Points can't be transferred to Qantas. You'd have to make sure you chose one of Westpac's Qantas cards instead. A very low-cost option worth adding to the comparison is the Qantas Premier Everyday card at $49 per year, which earns 0.75 points per dollar and you can get 8000 bonus points in the first four months. Just remember when comparing your options to sort the table by annual fee.I hope that gives you some ideas!
Michel LeCointre

Michel LeCointre

15 January 2024
how can I get access to my longe passes
    Pauline -


    25 January 2024
    Hi Michel, to access your complimentary lounge passes, you can login to your Qantas account online and link it to your Qantas flight. You first need to register your Westpac Altitude Black card at to receive the complimentary lounge passes each year. Hope this helps!


11 January 2024
What's the conversion rate from Altitude point to qantas frequent flyer point?
    Pauline -


    12 January 2024
    Hi Carl, unfortunately you can't transfer Altitude points to Qantas, but you can directly earn with the Westpac Altitude Qantas Credit Card. Altitude points can be converted to Singapore Airlines Krisflyer, Cathay Pacific, Air New Zealand Airpoints and Velocity. You can check out my guide to the Westpac Altitude Rewards Program in my guide. Hope this helps!


12 December 2023
Can I convert Altitude Reward points to frequent flyer points, if I want to?
    Pauline -


    18 December 2023
    Hi Steven, yes you can convert Altitude Reward points to frequent flyer points. Please note that you must be a member of the specific frequent flyer program for this conversion.


22 November 2023
Can we get our spend bonus of 100K points directly sent to our QFF account? Or does it have to go through Altitude and then to the account
    Pauline -


    27 November 2023
    Hi Ben, unfortunately, the Altitude Points can't be directly converted or transferred to your Qantas Frequent Flyer account. You might want to consider exploring the other version of this card, the Westpac Altitude Black Credit Card – Qantas, it’s specifically designed to earn Qantas Points. Alternatively, take a look at some of the other Qantas Frequent Flyer cards available for more options.


21 November 2023
Does travel insurance covers for whole family or just card holder?
    Pauline -


    27 November 2023
    Hi Ateeq, good question! If the primary cardholder qualifies for travel insurance coverage, the spouse and/or dependants also qualify, given that each meets the eligibility criteria separately. For further details on eligibility, coverage, and exclusions, you can refer to Westpac’s official complimentary insurance PDS.


28 October 2023
i have already paid for my outfoing airfare. if i purchase my return airfare, will I be eligible for travel insurance.
    Pauline -


    9 November 2023
    Hi Alana, in addition to using your Westpac Altitude Black card for purchasing the outbound ticket, you should also use it for the return ticket, and both tickets must be bought before departing from Australia. The PDS states that at least $500 of your prepaid travel must have been paid for by your credit card. Also, you must be under 81 years of age, reside in Australia, and ensure that your travel begins and concludes in Australia. For more details, you can refer to Westpac's complimentary insurance PDS available here.
Jay Blair

Jay Blair

19 October 2023
Hi Pauline Are you able to apply/have a Westpac Altitude Black Credit Card in a Business name and use to pay for purchases related to your business? If so does this earn reward points? Thanks
    Pauline -


    23 October 2023
    Hi Jay, thanks for your question, technically you can do this but you might have a tough time when it comes to doing your tax. Business credit cards exist to keep your spending separate and they also feature other handy business features such as integrations with accounting software. Westpac feature 2 business credit cards on and these are Westpac BusinessChoice Everyday Mastercard, and Westpac Altitude Business Platinum credit card. Hope this helps Jay!


27 September 2023
Hi Pauline, can I redeem my Altitude Reward points for cash?? As in can I use my points to set off charges on my statement?? If yes, could you please tell me what the conversion rate of awards points to cash is?? Thanks
    Pauline -


    29 September 2023
    Hi Tanmay, I checked this for you and there are different options to choose from in redeeming your Altitude Points. You can choose to redeem it as a statement credit via the Pay with Points option or cashback to cover your everyday spending are just a couple of them. Redeeming Altitude Rewards points for cashback gives you a value of 0.35 cents per point. You can read our guide to the Westpac Altitude Rewards Program here.
Clayton Abraham

Clayton Abraham

1 August 2023
Hi Pauline, I hope you had a good weekend. Could you please tell me how I go about signing up to the Rewards Program? I have a Altitude Black card for a few years and not made booking for tickets through the concierge service. Now I am told I need to register?
    Pauline -


    2 August 2023
    Hi Clayton, thanks for your message! Yes, a personal concierge service is included in the Westpac Altitude Black card. You’ll have to register through their Concierge and Lifestyle Services page to have access to lifestyle services and exclusive offers. Hope this helps!


24 July 2023
how do i get complementary lounge access when traveling overseas?
    Pauline -


    25 July 2023
    Hi Thi Lien, good question! You just need to enrol your card through Enjoy your time in the lounge and your trip!


19 June 2023
Is there a charge for using card overseas
    Pauline -


    20 June 2023
    Hi Vito, I checked and see that you’ll cop a 3% foreign transaction fee when you use your Westpac Altitude Black credit card outside Australia (or with an overseas merchant within Australia). If you're looking for alternatives, there are some other credit cards available that have zero foreign fees that you can explore.


2 May 2023
Help me chose credit card
    Pauline -


    3 May 2023
    Hi Ric, choosing a credit card can depend on what you're looking for in a card, as there are many options available with different features, benefits and drawbacks. It's a good idea to consider your spending habits and what you want to get out of a credit card, such as rewards or cash back, low interest rates, or travel benefits. You can use our comparison tables to help you compare different credit cards and their features side by side. This can be a useful tool to help you narrow down your options and find the card that best suits your needs. Take some time to review the cards and read the review we’ve written for each, before making an informed decision.


2 May 2023
HI, I am a long time Westpac Altitude Black Credit Card holder, If I add an additional cardholder to the Westpac Altitude Black Credit Card and they spend $6000 within 120 days of receiving/being approved for the additional card, does the card receive the 140,000 bonus Altitude points. Thanks
    Pauline -


    3 May 2023
    Hi Tracy, unfortunately, it does not work that way. The current offer is exclusively open to new credit cardholders, which implies the offer applies to the primary cardholder and not the supplementary cardholder. If you’re looking to score some extra bonus points, there’s a few offers in the market, some of them on our rewards credit card page.

Featured Credit Cards

33 reviews
points earned over 12 months

8 reviews
points earned over 12 months

13 reviews
points earned over 12 months
Help us improve

By submitting this feedback you agree to our privacy policy.

My credit card is not listed

By submitting this form you agree to our privacy policy.