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.
Westpac Altitude Black

- 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.
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.
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% |
Overseas cash advance fee | 2% |
Additional cardholder fee | $0 |
Number of additional cardholders | 1 |
Your reviews

Amy Finder
Editor
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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.

justin
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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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?
Bella
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,
Bella
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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.
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!
Cheers,
Joshua
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Theresa
January 17, 2019
WOULD LIKE TO USE AIRPORT LOUNGE WHILST IN SINGAPORE IN MARCH
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!
Cheers,
Reggie
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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?