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180,000 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 1 December 2021

Receive 180,000 bonus Altitude points when you spend $6,000 on eligible purchases within 120 days of card approval. In terms of value, 180k bonus points currently gets you $750 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 24 February 2022

Points Earn Rate (per $1 spent)

1.25 points

Altitude

Rewards Program

Altitude Rewards

Bonus Points

180,000 pts

Spend $6,000 within first 120 days

Pros and cons

  • 180,000 bonus Altitude points when you spend $6,000 within 120 days of card approval. In terms of value, 180k bonus points currently gets you $750 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 180,000 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 180,000 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 180,000 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, 180k bonus points currently gets you $750 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

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

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 180,000 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 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

Key features

  • 180,000 bonus Altitude points when you spend $6,000 within 120 days of card approval. In terms of value, 180k bonus points currently gets you $750 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.

102 questions (showing the latest 10 Q&As)

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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