Westpac Altitude Black

• Residency. You must be an Australian citizen or permanent resident currently living in Australia.
• Age. You must be at least 18 years old to apply.

Required documents

• Personal details. This includes your full name, email address, residential address, date of birth, driver's licence number, marital status, number of dependents and contact number.
• Employment details. You'll need to provide details of your current work status, job title, salary and your employer's contact details. You'll also need to include recent payslips or bank statements to verify your income. If you're self-employed, you'll need to provide your accountant's contact details, as well as supporting documentation such as recent tax assessment notices.
• Financial details. This covers any other forms of income, such as government payments and pensions, as well as assets such as savings. You'll also need to provide details of existing debts, loans and credit cards, as well as an estimate of your regular household expenses.

• Uncapped Westpac Altitude Rewards points. The Westpac Altitude Black earns 6 points per $1 spent (up to $10,000 per month) on flights purchased in Australia directly with Qantas, Jetstar, Emirates and Singapore Airlines, then 1.25 points per $1 spent thereafter. You will also earn 2 points per $1 spent at David Jones, Myer, THE ICONIC, Spotify Premium, Uber, Uber Eats and Airbnb and 1.25 points per $1 spent on all other eligible purchases. You can redeem your points for cashback, gift cards, retail items or frequent flyer point transfers through the Altitude Rewards program.
• Priority Pass airport lounge access. This card offers complimentary standard Priority Pass membership (valued at US$99) and waives the cost of your first two lounge visits through the program. While this perk is only available to the primary cardholder, guests can accompany you to a lounge for an additional fee of US$35.
• Complimentary travel insurance. The Altitude Black offers complimentary overseas travel insurance when you use the card to pay for at least $500 of your travel costs before the start of your trip. You also need to currently live in Australia, have a return ticket to Australia and be under 80 years of age. Your partner and/or any dependent children travelling with you can also get cover through this policy when they meet the eligibility requirements. In addition to overseas travel insurance, the Westpac Altitude Black offers complimentary interstate flight inconvenience insurance and car rental excess cover for eligible trips in Australia.
• Complimentary insurance for shopping. You can also get access to purchase security insurance and extended warranty cover for eligible items you buy with the Westpac Altitude Black.
• Westpac Concierge. The 24/7 Westpac Concierge can help you save time on booking restaurants, planning events and fulfilling other requests you may have. You can make requests over the phone by calling 1300 651 999.
• Mobile technology. You can use your compatible device to make contactless mobile payments at the checkout through Apple Pay, Samsung Pay or Google Pay. You can also pay with your eligible fitness tracker with Fitbit Pay and Garmin Pay.

• Interest-free period. You will receive up to 45 days interest-free on new purchases when you pay your monthly payment balance listed on your statement in full by the payment due date. Note that these interest-free days are separate from any longer-term interest rate promotions and the monthly payment balance excludes current balance transfers.
• Cash advance rate. The variable interest rate on cash advances and cash-equivalent transactions is 21.99% p.a.
• Credit limit. The minimum credit limit for this card is $15,000.
• Foreign transaction fee. A foreign conversion fee of 3% is charged for any purchases made with an international retailer.