In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
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Westpac Altitude Black
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Terms and conditions apply
Bonus points
150,000
Purchase rate
19.99% p.a.
Reward points per $ spent
1.25
Annual fee for the first year ($295 p.a. thereafter)
$150 p.a.

Our verdict

Offers up to 150,000 bonus Altitude Rewards points, airport lounge access and complimentary insurance, with a discounted $150 first-year annual fee.

The Westpac Altitude Black is a premium card that gives you a competitive earn rate of 1.25 Altitude Points per $1 spent for most eligible purchases in Australia and between 2 and 6 points with selected partners. Right now, you can get 100,000 bonus points when you apply by 31 July 2024 and spend $6,000 on eligible purchases in the first 120 days. And an additional 50,000 when you keep your card active for 12 months (up to 150,000 bonus Altitude Rewards points total). That's enough to redeem up to $700 in eGift cards, as an example.

Pros

  • Up to 150,000 bonus Altitude Rewards Points offer
  • Discounted first-year annual fee
  • Complimentary lounge passes
  • Complimentary overseas travel and purchase insurances

Cons

  • Up to 45 days interest-free on purchases, compared to other cards that offer up to 55 days
  • Relatively high standard annual fee of $295 p.a.

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question

The Westpac Altitude Black Card has the highest earn rate of any Altitude Rewards credit card and no points cap. This means you'll earn between 1.25 and 6 points per $1 on all eligible spending, with the highest rate for Qantas, Jetstar, Singapore Airlines and Emirates bookings made in Australia. It also offers up to 45 days interest-free on new purchases when you pay the total monthly payment balance listed on each statement by due date. Otherwise, the card's 19.99% p.a. variable interest rate applies.

Details

Product details

Product Name Westpac Altitude Black
Purchase rate p.a. 19.99%
Interest-free period Up to 45 days on purchases
Cash advance rate p.a. 21.49%
Min credit limit $15,000
Max credit limit $75,000
Card type Mastercard

Eligibility

Available to temporary residents Yes - Conditions apply
Minimum income $75,000
Joint application No

Rewards

Rewards program Westpac Altitude Rewards
Bonus points 150,000
Rewards points per $ spent 1.25

Fees

Annual fee $150 first year ($295 after)
Minimum monthly repayment 2% of the closing balance or $10, whichever is greater
Late payment fee $15
Foreign currency conversion fee 3%
Cash advance fee 3%
Additional cardholder fee $0
Number of additional cardholders 1

How to apply

You can apply for the Westpac Altitude Black Credit Card by completing a secure application on the bank's website. To get started, make sure you meet the following eligibility requirements and have all the relevant details and documents for the application.

Eligibility criteria

  • New cards only. If you want to take advantage of the bonus points offer, you must not have held any of the following Westpac credit cards in the past 12 months: Altitude Classic, Altitude Platinum, Altitude Black, Earth Classic, Earth Platinum, Earth Platinum Plus or Earth Black.
  • Income. You must earn at least $75,000 per year.

Card benefits

  • Up to 150,000 bonus Altitude Points. If you apply for a new Westpac Altitude Black Credit Card by 31 July 2024, are approved, and reach a minimum spend of $6,000 on eligible purchases within 120 days from card approval, you will receive 100,000 bonus Altitude Rewards points. You'll earn another 50,000 points after paying the annual fee for the second year, making you earn a total of 150,000 bonus points. To give you an idea of the potential value, you could redeem these points for $700 in eGift cards. If you're dreaming of travel in the future, you also have the option of transferring your points to Cathay Pacific Asia Miles, Air New Zealand Airpoints, Singapore Airlines KrisFlyer or Velocity Frequent Flyer.
  • Discounted first-year annual fee. This card charges a $150 annual fee for the first year, which reverts to $295 p.a. thereafter.

Rates & fees

  • Annual fee. Outside of any promotions, this card charges a standard annual fee of $295 p.a. Make sure you weigh this against the value you expect to get from earning rewards and using other perks on the card, such as the airport lounge passes and complimentary insurance.
  • Purchase interest rate. The variable interest rate on purchases is 19.99% p.a.

Your reviews

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Amy Finder

Editor

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Avatar

Shue

January 06, 2024

I have already purchased my flights. Can I transfer any valid points to the card if I sign up to the card after flights have been purchased?


Avatar

Sarah Megginson Finder

January 08, 2024

Hi Shue, You have already purchased the flights, so you’re not eligible to earn any points for that purchase. When you spend with this card, you earn Altitude Rewards points, which you can transferring to frequent flyer programs including Cathay Pacific Asia Miles, Air New Zealand Airpoints, Singapore Airlines KrisFlyer or Velocity Frequent Flyer.


Hope this helps!


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Mark

December 29, 2023

Who is the free travel insurance with? I need to look at the exclusions of the policy to make sure it is suitable for my future travel plans. Thank you


Avatar

Jason Loewenthal Finder

January 12, 2024

Hi Mark,


Allianz is the insurer for Westpac credit cards. You can find the policy information on the Westpac website.


I hope that helps.


Avatar

Noel

December 22, 2023

Hi Can Altitude points be used as frequent flyer points


Avatar

Amy Bradney-George Finder

December 27, 2023

Hi Noel,

You can transfer Altitude Points to Velocity Frequent Flyer, Singapore Airlines KrisFlyer, Cathay Pacific/Asia Miles and Air New Zealand Airpoints. After the points are transferred, you can redeem them directly through the frequent flyer program. I hope this helps.


Avatar

Jason

November 09, 2023

When purchasing an international flight do I need to use the Westpac Altitude Black card to purchase the flight to then gain access to the international lounge?


Avatar

Amy Bradney-George Finder

November 10, 2023

Hi Jason,

There is no purchase required to use the 2 complimentary airport lounge passes. You just need enrol through the Priority Pass link provided by Westpac, then show a valid boarding pass at any participating airport lounge. I hope this helps.


Avatar

justin

October 25, 2023

Just wondering how many points you need (roughly) to fly one person to Europe return business class?


Avatar

Amy Bradney-George Finder

October 25, 2023

Hi Justin,

Westpac doesn’t publicly display specific details about flight bookings through the Altitude Rewards website, but it states that flights are available from 29,550 points (at the time of writing). If you want more specific details or have further questions, you could call the Altitude Rewards Centre on 1300 887 820. I hope this helps.


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