Westpac Altitude Black

Last updated: 2 April 2020

Earn 150,000 bonus Altitude Rewards points and travel in style with luxury perks and complimentary insurance covers.

Designed for big spenders and frequent travellers, the Westpac Altitude Black offers 1.25 points per $1 spent on eligible purchases and a host of shopping and travel benefits.

If you apply for this card by 05 August 2020 and reach a minimum spend of $4,000 on eligible purchases within 90 days from card approval, you will receive 150,000 bonus Altitude Rewards points.

6.99% p.a.

Balance transfer rate

for 12 months

150,000

Bonus points

20.49% p.a.

Purchase rate

1.25

Reward points

Per $ spent (Visa/Mastercard)

Details

Product Name	Westpac Altitude Black
Rewards program	Westpac Altitude Rewards
Balance transfer rate	6.99% p.a. for 12 months
Balance Transfer Revert Rate	Cash Advance Rate (21.49% p.a.)
Balance Transfer Limit	80% of available balance
Purchase rate (p.a.)	20.49% p.a.
Annual fee	$250 p.a.
Interest free period	45 days
Cash advance rate (p.a.)	21.49% p.a.
Min credit limit	$15,000
Max credit limit	$75,000
Card type	Mastercard
Foreign currency conversion fee (Visa/Mastercard)	3%
Complimentary travel insurance	Yes

Minimum Income	$75,000
Minimum age	18 years of age
Available to temporary residents	Yes - Conditions apply
Joint application	No

Pros

150,000 bonus Altitude Points when you spend $4,000 on eligible purchases within the first 90 days
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 annual fee of $250

Rewards program	Westpac Altitude Rewards
Bonus Points	150,000 bonus points
Rewards Points per $ spent (Visa/Mastercard)	1.25

Annual fee	$250 p.a.
Minimum monthly repayment	2% of the closing balance or $10, whichever is greater
Late payment fee	$15
Foreign currency conversion fee (Visa/Mastercard)	3%
Cash Advance Fee	2% or $2.50, whichever is greater
Overseas cash advance fee	2%
Additional cardholder fee	$0
Number of Additional Cardholders	1

Expert review

Review by

Amy Bradney-George

amy.bradney-george@finder.com

Amy is an editor and writer at finder.com.au with more than 10 years experience covering credit cards, personal finance and various lifestyle topics. When she’s not sharing her knowledge on money matters, Amy spends her time as an actress.

Expert review

The Westpac Altitude Black is a premium card that gives you a competitive earn rate of 1.25 points per $1 spent uncapped, and offers transfers to five frequent flyer programs: Velocity, Asia Miles, Air New Zealand Airpoints, Malaysia Airlines Enrich and Singapore Airlines KrisFlyer. You can also redeem points for travel, cashback on your account and retail items offered directly through Westpac Altitude Rewards.

On top of points, this card gives you access to two complimentary airport lounge visits per year, in conjunction with complimentary standard Priority Pass membership. It also offers complimentary travel insurance and a 24/7 concierge. It also has a $250 annual fee that's very competitive for a black card – particularly if you can make use of the card's many extras.

How to apply

It takes around 10 minutes to apply for the Westpac Altitude Black via a secure online form. Westpac also offers responses within 60 seconds of submitting your completed application. To get started, make sure you meet the following eligibility requirements and have all the relevant details and documents for the application.

Eligibility criteria

Income. You must earn at least $75,000 per year.
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.
Eligible balance transfer debt. You can transfer from $200 up to 80% of your available credit limit from up to 3 Australian credit, charge or store cards not issued by Westpac.

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.
Balance transfer information. To transfer a balance, you'll need to provide the account numbers of the cards you'd like to transfer, the provider's biller codes and the debt amounts.

Card benefits

150,000 bonus Altitude points. If you apply for a Westpac Altitude Black Credit Card by 05 August 2020, are approved, and reach a minimum spend of $4,000 on eligible purchases within 90 days from card approval, you will receive 150,000 bonus Altitude Rewards points. This is equivalent to around 50,000 frequent flyer points when transferred to Velocity, Asia Miles, Malaysia Airlines Enrich or Singapore Airlines KrisFlyer.
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, Virgin Australia, 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.

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$32.
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, extended warranty cover and price guarantee cover for eligible items you buy with the Westpac Altitude Black.
Westpac Concierge. The Westpac Concierge is available to you 24/7. The concierge can assist you in booking restaurants and fulfilling any requests you may have. You can also access the Black Card Concierge App to help make your life easier.
Mobile technology. You can use your compatible device to make contactless mobile payments at the checkout through Samsung Pay or Google Pay. You can also pay with your eligible fitness tracker with Fitbit Pay and Garmin Pay.
Balance transfer offer. Apply by 05 August 2020 and save on interest costs when paying off existing debt with 6.99% balance transfer offer for up to 12 months with no balance transfer fee. Any remaining balance after the promotional period ends is subject to the cash advance rate.

Rates & fees

Annual fee. The standard annual fee for using this card is $250 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 20.49% p.a.

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 21.49% 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.

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285 Comments

helen
May 24, 2019

hello – does an altitude black credit card cover me and my husband for a domestic holiday paid for with this card?

Reply
- Bella
  May 25, 2019
  
  Hi Helen,
  
  Thanks for your inquiry.
  
  According to this PAGE your spouse or dependent child will also qualify for coverage if they satisfy these four requirements:
  
  – Travel together on the entire journey. The spouse and/or dependent child or children travel with the cardholder for the entire journey.
  
  – $500 in prepaid travel expenditure. Each spouse and/or dependent child spends $500 or more on prepaid travel costs (e.g. return travel ticket, airport or departure taxes, prepaid overseas accommodation or travel itinerary items) before departing Australia, and they charge these costs to your eligible Westpac credit card.
  
  – Return travel ticket. The spouse and/or dependent child or children have a return overseas travel ticket before leaving Australia.
  
  – Not over 80. The spouse and/or dependent child or children are not over 80 years of age when they first qualify for coverage by meeting the three conditions above.
  
  I hope this information helps.
  
  Kind regards,
  Bella
  
  Reply
Diana
February 12, 2019

Hi, I’m flying economy to Singapore with Singapore Airlines from Adelaide and I have a Westpac priority pass. Can I access the Qantas lounge with my husband? Thanks.

Reply
- finder Customer Care
  
  Joshua
  February 13, 2019
  
  Hi Diana,
  
  Thanks for getting in touch with finder. I hope all is well with you. :)
  
  The complimentary lounge passes with Priority Pass is only available for the primary cardholder or member. However, your husband can join you in the lounge by paying the prevailing visit fee which is around US$25-$30 at the time of this writing. This fee will be directly charged to your card.
  
  Be sure that you enrol in the Priority Pass program before heading to the lounge.
  
  I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
  
  Have a wonderful day!
  
  Cheers,
  Joshua
  
  Reply
Theresa
January 17, 2019

WOULD LIKE TO USE AIRPORT LOUNGE WHILST IN SINGAPORE IN MARCH

Reply
- finder Customer Care
  
  John
  January 18, 2019
  
  Hi Theresa,
  
  Thank you for reaching out to finder.
  
  Once you have met the requirements listed by your credit card, you’ll be able to access eligible airport lounges by either presenting your invitations or showing your credit card to lounge staff, along with a valid boarding pass. If you want to bring a guest or family members into the lounge, the staff will then advise you of any charges that may apply for your companion/s. Hope this helps!
  
  Cheers,
  Reggie
  
  Reply
Di
September 12, 2017

After I have use this card and spend the $5k when does the 80,000 Frequent Flyer points get credited to my frequent flyer account

Reply
- finder Customer Care
  
  Jhez
  September 13, 2017
  
  Hi Di,
  
  Thanks for your comment.
  
  The bonus Altitude Points will be added to your points balance within 12 weeks of the eligible spend criteria being met. Existing Westpac customers who currently hold an Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months are not eligible for this offer.
  
  Regards,
  Jhezelyn
  
  Reply
Graham
September 3, 2017

What is the cost for Westpac Black additional card holder and do they get any benefits i.e. Priority Pass etc?

Reply
- finder Customer Care
  
  Rench
  September 3, 2017
  
  Hi Graham,
  
  Thanks for your inquiry. Please note that we are not affiliated with Westpac or any company we feature on our site and so we can only offer you general advice.
  
  The standard annual fee for using this card is $395. However, if you apply by 26 October 2017, you’ll pay a discounted annual fee of $195 for the first year.
  
  Once you are approved and reached a minimum spend of $5,000 on eligible purchases within 90 days from card approval, you will receive 80,000 bonus points.
  
  It also comes with a range of complimentary insurances including overseas travel insurance, transit accident insurance, purchase security insurance and extended warranty insurance.
  
  You may know more about its benefits and features on this page.
  
  And for the Priority Pass, Westpac Altitude Black cardholders can enroll for their pass on the Priority Pass Homepage.
  
  Once you are decided, you can click on the green ‘Go to Site’ button on the upper right corner of this page to submit an on line application through Westpac official site.
  
  Best regards,
  Rench
  
  Reply
Craig
August 16, 2017

I currently a have a Westpac Altitude rewards (blue) card, am I still eligible for the 80,000 bonus points if I sign up for this Westpac Altitude Black card and spend 5k?

Thanks,

Craig

Reply
- finder Customer Care
  
  Jhez
  August 17, 2017
  
  Hi Craig,
  
  Thanks for your comment.
  
  To qualify for the bonus points, yes you must apply for a Westpac Altitude Black Credit Card by 26 October 2017, be approved, and reach a minimum spend of $5,000 on eligible purchases within 90 days from card approval, you will receive 80,000 bonus points.
  
  Regards,
  Jhezelyn
  
  Reply
Mike
August 9, 2017

I am overseas. Will payment of school fees on my Earth Black MC be an eligible purchase for points? I am an existing Earth Black MC and Amex holder

Reply
- Danielle
  August 9, 2017
  
  Hi Mike,
  
  Thank you for contacting finder. We are a comparison website and general information service, we’re more than happy to offer general advice.
  
  According to Westpac, as long as the school fees are put through as a purchase, you should get points.
  
  I hope this helps.
  
  Cheers,
  Danielle
  
  Reply
Nicole
August 1, 2017

Can I pay my rent through DEFT to reach the $5000 minimum spend or is this considered a cash equivalent transaction?

Reply
- Liezl
  August 1, 2017
  
  Hi Nicole,
  
  Thanks for your question.
  
  Rent payment through DEFT is an eligible purchase hence, can form part of the $5000 minimum spend. Eligible transactions do not include fees, cash, cash equivalent transactions, BPAY, refunds and balance transfers debited from the card account. To elaborate more on cash advance transactions, you may refer to our guide on this page.. Also, it’s a good idea to always check with the bank if you’re unsure whether the purchase is eligible or not.
  
  Cheers,
  Liezl
  
  Reply
Anand
July 20, 2017

Hi

My wife is currently a Westpac black card holder and I have a spouse card…so this is an additional card.

If I apply for my own Westpac Black Qantas card would I be considered as a new customer and would I qualify for the 80 000 points ?

Regards
Anand

Reply
- Jonathan
  July 22, 2017
  
  Hello Anand,
  
  Thank you for sending your inquiry. :)
  
  Additional cardholder is considered as an existing Altitude Member, as your eligible transactions earn points. Please refer to the T&Cs on their site.
  
  Hope this helps.
  
  Cheers,
  Jonathan
  
  Reply
Jason
July 11, 2017

I currently have all my personal bank accounts with Westpac and I have an ANZ Frequent Flyer Black card.

If I did a balance transfer to change my credit card to a Westpac Altitude Black card and spend $5000, am I still eligible for the bonus 80000 points?

Reply
- finder Customer Care
  
  Jason
  July 12, 2017
  
  Hi Jason,
  
  Thank you for your enquiry.
  
  You’ll be eligible for the bonus points of Westpac Altitude Black as long as you are not a current Westpac Altitude Platinum or Westpac Altitude Black cardholder, or who have held one in the last 12 months, and that you meet the required eligible spend requirements within 90 days from card approval.
  
  Eligible purchases do not include fees, cash, cash equivalent transactions, BPAY, refunds and balance transfers debited from the card account.
  
  Kind regards,
  Jason
  
  Reply

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