In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask an expert
Finder makes money from featured partners, but editorial opinions are our own.
Westpac Altitude Black
Go to site
Terms and conditions apply
Bonus points
Purchase rate
19.99% p.a.
Reward points per $ spent
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 30 April 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 for $500 cashback, as an example.


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


  • 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 an expert

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.


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


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


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


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%
Overseas cash advance fee 2%
Additional cardholder fee $0
Number of additional cardholders 1

How to apply

It takes around 10 minutes to apply for the Westpac Altitude Black Card via a secure online form. Get a response 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

  • 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 30 April 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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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?


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.



October 25, 2023

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


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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May 24, 2019

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



May 25, 2019

Hi Helen,

Thanks for your inquiry.

According to our Westpac credit card complimentary insurance policy review 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,


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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.


Joshua Finder

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!



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January 17, 2019



John Basanes Finder

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!



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