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Earn 80,000 bonus points when you reach a minimum spend of $5,000 on eligible purchases and save money with a discounted annual fee of $195 for the first year.
The Westpac Altitude Black is a credit card packed with rewards, allowing you to earn points on everyday purchases with either Westpac Altitude Rewards or Qantas Frequent Flyer and 80,000 bonus points when you meet the spend criteria. The Westpac Altitude Black is a dual Mastercard and American Express credit card, offering you international acceptance and opportunities to earn a higher earn rate with AMEX.
| Product Name | Westpac Altitude Black |
|---|---|
| Rewards Program | Westpac Altitude Rewards |
| Purchase rate (p.a.) | 20.24% p.a. |
| Offer end date | 28 June 2017 |
| Annual fee | $195 p.a. annual fee for the first year ($395 p.a. thereafter) |
| Interest Free Period The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement. | Up to 45 days on purchases |
| Cash advance rate (p.a.) | 20.74% p.a. |
| Min credit limit This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure. | $15,000 |
| Max credit limit This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account. | $75,000 |
| Minimum Monthly Repayment | 2% or $10, whichever is greater |
| Minimum Income | $75,000 |
| Card Type | American Express/MasterCard |
| Late Payment Fee | $15 |
| Foreign Currency Conversion Fee (MC) Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution. | 3% of transaction value |
| Foreign Currency Conversion Fee (AMEX) Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution. | 3.5% of transaction value |
| Complimentary Travel Insurance | Yes |
| Available To Temporary Residents | No |
| Joint Application | No |
| Minimum Income | $75,000 |
|---|---|
| Minimum Age | 18 years of age |
| Available to Temporary Residents | No |
| Credit Rating Requirement Credit rating requirement is provided only as a guide. Understanding your credit file helps you make more informed decisions in regards to your finances. Learn more about what this means here. | Good |
| Min Credit Limit This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure. | $15,000 |
| Max Credit Limit This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account. | $75,000 |
| Annual Fee | $195 p.a. annual fee for the first year ($395 p.a. thereafter) |
|---|---|
| Minimum Repayment | 2% or $10, whichever is greater |
| Late Payment Fee | $15 |
| Over Limit Fee | $15 |
| Cash Advance Fee | 2% of the value of the transaction or minimum charge of $2.50 |
| Overseas Cash Advance Fee | 2% |
| Overseas Emergency Replacement | $0 |
| Overseas ATM Balance check | $0 |
| Overseas ATM Withdrawal Fee | $0 |
| Foreign Currency Conversion Fee (MC) Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution. | 3% of transaction value |
| Foreign Currency Conversion Fee (AMEX) Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution. | 3.5% of transaction value |
| Gambling Transactions Allowed | Yes |
| Gambling Transactions Interest Rate | Cash Advance Rate |
| Additional Cardholder Fee | $0 p.a. |
| Number of Additional Cardholders | 1 |
| BPAY | Yes |
| Cheque | Yes |
| Direct Debit | Yes |
| Phone Banking | Yes |
| Internet Banking Transfers | Yes |
| In Branch | Yes |
| Yes |
Pros
- Receive 80,000 bonus points when you spend $5,000 within 90 days of card approval.
- Enjoy $200 off the annual fee for the first year if you apply and get approved by 28 June 2017.
- Earn up to 3 points per $1 spent.
Cons
- There are only 45 days interest-free when you make a purchase on your card.
- A high annual fee of $395 applies.
| Rewards Program | Westpac Altitude Rewards |
|---|---|
| Bonus Points on Sign-up | 80,000 |
| Rewards Points per $ (VISA/MC) | 1.25 |
| Rewards Points per $ (AMEX) | 3 |
| Rewards Points per $ (VISA/MC) Cap | Uncapped |
| Rewards Points per $ (AMEX) Cap | Uncapped |
| Points Expiry | Never |
Review of the Westpac Altitude Black
This premium credit card offers a variety of benefits to cardholders, with the choice of earning either Altitude Rewards or Qantas Frequent Flyer Points per $1 spent on eligible purchases. If you're a frequent flyer, you'll also benefit from travel-centric features such as two complimentary airport lounge passes, complimentary travel insurance and the Altitude Black Travel Service. Plus, with introductory offers on balance transfers and purchases, there are plenty of ways to save on standard card costs with the card.
Westpac Black Rewards program
If you choose to earn points with Altitude Rewards, you can redeem your points for a range of goods and services including gadgets, accommodation, gift vouchers and flights. Plus, as long as you're a member of the program, you can also transfer your Altitude Points to Virgin Australia’s Velocity, Malaysia Airlines’ Enrich, Air New Zealand’s Airpoints, Singapore Airlines’ KrisFlyer and Cathay Pacific’s AsiaMiles. The Mastercard offers 1.25 Altitude Rewards points per $1 spent in Australia and 3 points per $1 spent overseas. The American Express card has a higher earn rate, with 3 points per $1 spent on eligible purchases anywhere in the world.
If you opt to earn Qantas Points, the Mastercard will earn you 0.625 points per $1 spent in Australia and 1.5 points per $1 with overseas merchants, while the Amex will earn 1.5 points per $1 spent. You can redeem your rewards for flights with Qantas and its airline partners as well as products from the Qantas store.
Changes to earn rates effective 1 July 2017
From 1 July 2017, the Westpac Altitude Black earn rates will change for both Altitude Rewards and Qantas Rewards, as follows:
- Altitude Rewards. You will earn 1.25 Altitude Rewards Points per $1 spent on the Mastercard and 2.5 Altitude Rewards points per $1 spent on the Amex card.
- Qantas Rewards. You will earn 0.625 Qantas Points per $1 spent on the Mastercard and 1.25 Qantas Points per $1 on the American Express card.
Benefits of using the Westpac Altitude Black credit card
- 80,000 bonus points. If you apply for a Westpac Altitude Black between 21 April 2017 and 28 June 2017, are approved, and reach a minimum spend of $5,000 on eligible purchases within 90 days from card approval, you can earn up to 80,000 bonus points.
- Complimentary insurance. The Altitude Black comes with a range of complimentary insurances including overseas travel insurance, transit accident insurance, purchase security insurance and extended warranty insurance.
- 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.
- Complimentary airport lounge passes via Priority Pass. This card offers 2 complimentary lounge passes that can be used at over 700 VIP airport lounges around the world via Priority Pass. To access these passes, you need to have a Westpac Altitude Black American Express® card, and enrol in the Priority Pass program. One complimentary membership is free and, once you have enrolled, your Priority Pass membership card will be loaded with the complimentary lounge passes.
- American Express lounge access at Sydney International Airport. Your Westpac Altitude Black American Express credit card gives you two complimentary passes to the American Express Sydney International Airport Lounge every year you have the card. To access the lounge, simply swipe your Altitude Black American Express card at the lounge reception.
- Qantas Club Lounge invitations. If you opt to earn Qantas Points, you can enjoy two Qantas Club lounge invitations per year. To be eligible, you must register and then use your Altitude Black Card in Australia to purchase selected Qantas products and services directly with Qantas.
- Starwood Preferred Guest Gold Membership. With the Altitude Black Card, you will be fast tracked to Preferred Guest Gold Membership status with Starwood Hotels and Resorts. Gold Membership can include better rooms, 4pm late checkout and additional Starpoints reward points when you stay with Starwood.
- Altitude Black Travel Service. This service can help reduce the stress of organising a holiday by helping you plan every step of the journey. Their experts can also help you to redeem your points for travel rewards.
- Altitude Black Personal Shopper. If you don’t have the time to do your own shopping, a personal shopper can assist you with your shopping needs and finding the right gift for someone special. The personal shopper is purely online and can help you spend your points the right way.
Features of the Westpac Altitude Black
- Annual fee. The standard annual fee for using this card is $395. However, if you apply by 28 June 2017, you'll pay a discounted annual fee of $195 for the first year.
- Interest rate. The standard interest rate on purchases and cash advances is 20.24% p.a.
- Two cards linked to one account. With the Westpac Altitude Black, you get the benefit of having two cards linked to the same account. The American Express card has a higher earn rate, but the Mastercard is accepted more widely in Australia. This offers you the choice to use whatever card you want to earn more points.
- Interest-free period. The Westpac Altitude Black offers up to 45 days interest-free on purchases when you pay your balance in full by the statement due date. This gives you plenty of time to avoid paying interest if you are able to pay off your balance.
- Card security. The Altitude Black is a secure card with an embedded microchip. The credit card also has Cardshield, Falcon, and you can register with Mastercard Secure Code. All of these features help stop fraudulent activity and purchases on your credit card. In addition to this, there is a Fraud Money Back Guarantee where you will be reimbursed for fraudulent transactions.
- Samsung Pay functionality. If you link your card with Samsung Pay, you can use your Samsung device to make contactless mobile payments at the checkout.
How to apply for the Westpac Altitude Black
Applying for the Westpac Altitude Black card is simple and can be done by completing the online application. Before you begin your application, it’s important that you meet the following eligibility requirements and organise the necessary documents:
Eligibility criteria
- Over 18 years of age
- Minimum income of $75,000
- Australian permanent resident
- Good credit history
Required documents
- Australian driver’s licence
- Employment details
- Financial details
- Income information
The Westpac Altitude Black credit card offers a host of attractive rewards and benefits. However, make sure to compare a range of cards to find the one that’s right for you.
Frequently asked questions
Please see the responses below to some popular questions. If you still have any questions please send us a message via the 'Ask a Question' box at the bottom.
How do I enrol for my Priority Pass Membership?
Westpac Altitude Black cardholders can enrol for their pass on the Priority Pass Homepage.
Is it possible to switch from Altitude Rewards Black to Altitude Qantas Black or other way around?
If you have an Altitude Visa card, Altitude Platinum Visa card, or Altitude Black Card, you may switch all cards linked to the card account between Altitude Rewards and Altitude Qantas Rewards programs. These cardholders can switch their programs how many times they like. To switch rewards programs, you’ll need to submit a request form which will take up to at least 10 business days to process. If your card is an Altitude Mastercard, Altitude Platinum Mastercard, Altitude Platinum Plus card, Altitude Business card or Altitude Business Gold card linked to Altitude Rewards, you cannot switch your rewards program from Altitude Rewards to Altitude Qantas
Is there a limit to the number of points collected or expiry of points?
This card has no limit on the number of points which are collected. These points never expire.
Can I apply for this card along with my card and have the same account?
This card does not allow joint-account credit cards. In case you are looking for specifically this benefit you can look at these banks which offer joint-account credit cards.
If I paid paid too much money to my credit card, can I withdraw the extra money? And how much is the withdraw fee? Thx!
Hi Jada,
Thank you for your inquiry.
I’m afraid that the excess payment you made to your Westpac credit card cannot be withdrawn. With Westpac credit card repayments, as stated in the T&Cs, if the total payments to the Card Account (since your most recent statement) are more than the closing balance shown on that statement, Westpac will apply the excess to amounts that have been charged to the Card Account but have not yet appeared on a statement.
Cheers,
May
Am I able to apply for this card if I already have a different AMEX card with a different bank?
Hi Rebecca,
Thank you for your enquiry.
You may apply for the Westpac Altitude Black card even if you have another AMEX card from a different bank. Please ensure that you meet the application requirements and the eligibility criteria listed above and that you check out the terms and conditions of this card before you submit your card application online.
Please click the green “Go to site” button above to apply online for the Westpac Altitude Black card.
Kind regards
Jason
If I have an AMEX card from another bank, will I still be eligible for the 80,000 Qantas points?
Hi Dean!
Thanks for the inquiry.
Please be advised that as long as you apply and are approved for a new Westpac Altitude Black card between 21 April and 28 June 2017 and spend the minimum amount of $5,000 on eligible purchases within 90 days from card approval, you should qualify for this promotion.
Kindly take note though that existing Westpac customers who have an Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months, are not eligible for this offer.
Hope this clarifies.
Cheers,
Jonathan
I have a Westpac Altitude Black amex and MC. Can I transfer Altitude points over to Amex membership rewards as I wish to use points for travel and the airlines tied to my current system are limited in destinations and carriers?
Hi David,
Thanks for your question.
Unfortunately, you can’t move your Westpac Altitude points to American Express rewards program. However, you may covert your points to various frequent flyer programs. Kindly visit this page for your reference.
Cheers,
Anndy
I had Westpac Altitude Black card and it was earning altitude rewards but have closed the account more than 12 months ago. Am I eligible to apply altitude black again and earn the 80,000 bonus points on Qantas frequent flyer?
Hi David,
Thanks for your question.
The terms and conditions of this card says that “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.”
If your have closed your old credit card more than 12 months ago, and if you meet the other eligibility criteria listed above, you may quality to receive the bonus points offer.
Cheers,
Anndy
What is my annual card fee?
Hi Anthony,
Thank you for your inquiry.
Is your credit card Westpac Altitude Black? If so, the annual fee that you’ll be charged for this card is $395 p.a. If you have just recently approved for the Westpac Altitude Black, the bank offers $195 p.a. annual fee for the first year and then will charge $395 p.a. thereafter.
Cheers,
May
Can I pay tax bill to the ATO and earn Qantas rewards?
Hi Monika,
Thanks for your question.
When you pay to the ATO using your AMEX card, you’ll earn 1.5 Westpac Altitude Rewards points per $1 (not Qantas points). You’ll not earn points if you use your MasterCard.
While you can’t directly earn Qantas points, you’ll be able to convert Westpac Altitude Rewards to several frequent flyer programs as listed here.
You can check this page to see which card lets you earn Qantas points while paying your tax.
Cheers,
Anndy
I am aged 76 travelling to Melbourne on Qantas with Westpac altitude Black my wife is aged 70 we have used our Westpac Black mastercard to purchase flights and hotel in Melbourne are we eligible for complimentary insurance or should we purchase it separately?
Hi Ron,
Thanks for your question.
You will be eligible for the complimentary travel insurance if prior to your trip, you have spent $500 or more on prepaid travel costs (for instance your return travel ticket, airport or departure taxes, prepaid overseas accommodation or travel itinerary items) and charged these costs to your wife’s Westpac Altitude Black. Please also note that you and your wife have spent $500 each for the travel expenses, so that means a total of $1000 have been spent on the card for the travel expenses.
You can find more information on Westpac complimentary travel insurance on this page.
Cheers,
May
Do I earn reward points if I purchase foreign currency on my Westpac black MasterCard/Amex and also do I get charged a cash advance fee (from the bank). The purchase will be from Travelex.
Hi Alison,
Thank you for your question.
With Westpac Altitude Black, yes, you can earn 1.25 points per $1 for domestic eligible purchases and 3 points per $1 for international purchases on your MasterCard. Whilst you will earn 3 points per dollar spent with your American Express card for both international and domestic purchases.
If you withdraw funds from your card whether through an ATM or from the branch, then that transaction will be considered as a “cash advance” and you will automatically be charged CA fee of 2% of the value of the transaction or minimum charge of $2.50 and CA interest of 20.74% p.a.
Purchases will not be charged with CA fees, though you will be charged foreign currency conversion fee of 3% of transaction value (for MasterCard) and 3.5% of transaction value (for AMEX) instead.
Cheers,
May
I am about to buy a cash passport from Travellex. Will I be charged a cash advance fee on my purchase?
Hi Margaret,
Thanks for your question.
No, Travelex won’t charge you a cash advance fee on your purchases as well as overseas ATM withdrawals. However, you may be charged Currency Conversion Fee of 5.95% of the transaction value when a purchase or ATM withdrawal is conducted in a currency either not loaded or sufficient to complete the transaction and the cost is allocated against the currency/ies used to fund the transaction.
Cheers,
May