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Westpac Altitude Black

Amy Bradney-George
Amy Bradney-George
Last updated:  

Earn 100,000 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.

100,000

Bonus points

20.49% p.a.

Purchase rate

1.25

Reward points

Per $ spent (Visa/Mastercard)

$250 p.a.

Annual fee

Details

Product NameWestpac Altitude Black
Rewards ProgramWestpac Altitude Rewards
Purchase rate (p.a.)20.49% p.a.
Annual fee$250 p.a.
Interest Free Period45 days
Cash advance rate (p.a.)21.49% p.a.
Min credit limit$15,000
Max credit limit$75,000
Card TypeMastercard
Foreign Currency Conversion Fee (Visa/Mastercard)3% of transaction value
Complimentary Travel InsuranceYes
Minimum Income$75,000
Minimum Age18 years of age
Available to Temporary ResidentsYes - Conditions apply
Joint ApplicationNo

Pros

  • 100,000 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 ProgramWestpac Altitude Rewards
Bonus Points100,000 bonus points
Rewards Points per $ spent (Visa/Mastercard)1.25
Annual fee$250 p.a.
Minimum Monthly Repayment2% of the closing balance or $10, whichever is greater
Late Payment Fee$15
Foreign Currency Conversion Fee (Visa/Mastercard)3% of transaction value
Cash Advance Fee2% or $2.50, whichever is greater
Overseas Cash Advance Fee2%
Additional Cardholder Fee$0
Number of Additional Cardholders1
Go to Westpac's siteMore info

Expert review

Amy Bradney-George

Review by

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.

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.
Go to Westpac's siteMore info

Card benefits

  • 100,000 bonus Altitude points. If you apply for a Westpac Altitude Black Credit Card by 31 March 2020, are approved, and reach a minimum spend of $4,000 on eligible purchases within 90 days from card approval, you will receive 100,000 bonus Altitude Rewards points. This is equivalent to around 26,666 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 in a foreign currency and with David Jones, Myer, THE ICONIC, Spotify Premium, Uber, Uber Eats and Airbnb and 1.25 points per $1 spent on all other eligible purchases.

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.
Go to Westpac's siteMore info

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285 Comments

  1. Default Gravatar
    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
    • Avatarfinder Customer Care
      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
  2. Default Gravatar
    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
    • Avatarfinder 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
  3. Default Gravatar
    Theresa
    January 17, 2019

    WOULD LIKE TO USE AIRPORT LOUNGE WHILST IN SINGAPORE IN MARCH

    Reply
    • Avatarfinder 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
  4. Default Gravatar
    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
    • Avatarfinder 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
  5. Default Gravatar
    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
    • Avatarfinder 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
  6. Default Gravatar
    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
    • Avatarfinder 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
  7. Default Gravatar
    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
    • Default Gravatar
      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
  8. Default Gravatar
    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
    • Default Gravatar
      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
  9. Default Gravatar
    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
    • Default Gravatar
      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
  10. Default Gravatar
    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
    • Avatarfinder 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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