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Westpac Altitude Black

Offers 140,000 bonus Altitude Rewards points, airport lounge access and complimentary insurance, with a discounted $99 first-year annual fee.

The Westpac Altitude Black Card has the highest earn rate of any Altitude Rewards credit card, giving you between 1.25 and 6 points per $1 on eligible spending. The bonus points offer would also give you enough to redeem $590 worth of eGift cards, among other rewards. To get the 140,000 bonus points, you need to apply by 31 December 2022 and spend $6,000 on eligible purchases within 120 days from card approval.

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0% p.a.

Balance transfer rate

for 24 months with 1% balance transfer fee


Bonus points

19.99% p.a.

Purchase rate


Reward points

Per $ spent

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Product NameWestpac Altitude Black
Rewards programWestpac Altitude Rewards
Balance transfer rate p.a.0% for 24 months with 1% balance transfer fee
Balance transfer revert rateCash Advance Rate (21.49% p.a.)
Balance transfer limit80% of available limit
Purchase rate p.a.19.99%
Annual fee$99 for the first year ($250 thereafter)
Interest-free periodUp to 45 days on purchases
Cash advance rate21.49% p.a.
Min credit limit$15,000
Max credit limit$75,000
Card typeMastercard
Foreign currency conversion fee3%
Minimum income$75,000
Available to temporary residentsYes - Conditions apply
Joint applicationNo


  • 140,000 bonus Altitude Points offer
  • 0% p.a. balance transfer for 24 months
  • Discounted $99 first-year annual fee ($250 thereafter)
  • Complimentary lounge passes
  • Complimentary overseas travel and purchase insurances


  • Charges a one-time 1% balance transfer fee
  • 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 points140,000
Rewards points per $ spent1.25
Annual fee$99 for the first year ($250 thereafter)
Minimum monthly repayment2% of the closing balance or $10, whichever is greater
Late payment fee$15
Foreign currency conversion fee3%
Cash advance fee3%
Overseas cash advance fee2%
Additional cardholder fee$0
Number of additional cardholders1

Review by

Amy has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. She is also the editorial lead for Finder Green, covering sustainability across different industries. Her work has appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy also has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

The Westpac Altitude Black is a premium card that gives you a competitive earn rate of 1.25 Altitude Points per $1 spent uncapped for most eligible purchases in Australia – and between 2 and 6 points with selected partners. You can use these points for rewards including cashback on your account, gift cards, travel and retail items offered directly through Westpac Altitude Rewards. If you're collecting frequent flyer points for future travel, you can also transfer your points to Asia Miles, Air New Zealand Airpoints, Malaysia Airlines Enrich, Singapore Airlines KrisFlyer or Velocity Frequent Flyer.

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

  • 140,000 bonus Altitude points. If you apply for a new Westpac Altitude Black Credit Card by 31 December 2022, are approved, and reach a minimum spend of $6,000 on eligible purchases within 120 days from card approval, you will receive 140,000 bonus Altitude Rewards points. To give you an idea of the potential value of these points, you could redeem them for $590 in eGift cards. If you're dreaming of travel in the future, you also have the option of transferring your points to Asia Miles, Air New Zealand Airpoints, Malaysia Airlines Enrich, Singapore Airlines KrisFlyer or Velocity Frequent Flyer.
  • Discounted first-year annual fee. This card charges a $99 annual fee for the first year, which reverts to $250 p.a. thereafter.

Rates & fees

  • Annual fee. Outside of any promotions, this card charges a standard annual fee of $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 19.99% p.a.

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  1. Default Gravatar
    May 24, 2019

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

    • Default Gravatar
      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,

  2. Default Gravatar
    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.

    • Avatarfinder Customer Care
      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!


  3. Default Gravatar
    January 17, 2019


    • Avatarfinder Customer Care
      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!


  4. Default Gravatar
    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

    • Avatarfinder Customer Care
      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.


  5. Default Gravatar
    September 3, 2017

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

    • Avatarfinder Customer Care
      September 3, 2017

      Hi Graham,

      Thanks for your inquiry.

      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 select the ‘Go to Site’ button on the upper right corner of this page to submit an online application through Westpac official site.

      Best regards,

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