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.

If you’re focused on paying off your current credit card from another bank, the Westpac Altitude Black also offers an introductory 0% p.a. on balance transfers for 24 months (with a one-time 1% balance transfer fee). But as balance transfers focus on repayments and bonus points focus on spending, you’re likely to get more value from choosing just one of these introductory offers. In addition to these features, you can also save with a discounted annual fee of $99 in the first year, reverting to $250 thereafter.

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Amy Bradney-George

Last Updated Oct 19, 2021

0% p.a.

Balance transfer rate

for 24 months with 1% balance transfer fee

140,000

Bonus points

19.99% p.a.

Purchase rate

1.25

Reward points

Per $ spent

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Details

Product Name	Westpac Altitude Black
Rewards program	Westpac Altitude Rewards
Balance transfer rate p.a.	0% for 24 months with 1% balance transfer fee
Balance transfer revert rate	Cash Advance Rate (21.49% p.a.)
Balance transfer limit	80% of available limit
Purchase rate p.a.	19.99%
Annual fee	$99 for the first year ($250 thereafter)
Interest-free period	Up to 45 days on purchases
Cash advance rate	21.49% p.a.
Min credit limit	$15,000
Max credit limit	$75,000
Card type	Mastercard
Foreign currency conversion fee	3%

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

Pros

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

Cons

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 program	Westpac Altitude Rewards
Bonus points	140,000
Rewards points per $ spent	1.25

Annual fee	$99 for the first year ($250 thereafter)
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

Go to Westpac's site More info

Review by

Amy Bradney-George

amy.bradney-george@finder.com

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.

On top of points, this card gives you access to 2 complimentary airport lounge visits per year, as well as complimentary standard Priority Pass membership. It also offers complimentary travel insurance. After the first year, it charges a $250 p.a. annual fee that's competitive for a black card – particularly if you can make use of the card's extras.

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.

Residency. You must be an Australian citizen or permanent resident currently living in Australia.
Age. You must be at least 18 years old to apply.
Eligible balance transfer debt. You can transfer from $200 up to 80% of your available credit limit from up to 3 Australian credit, charge or store cards not issued by Westpac.

Required documents

Personal details. This includes your full name, email address, residential address, date of birth, driver's licence number, marital status, number of dependents and contact number.
Employment details. You'll need to provide details of your current work status, job title, salary and your employer's contact details. You'll also need to include recent payslips or bank statements to verify your income. If you're self-employed, you'll need to provide your accountant's contact details, as well as supporting documentation such as recent tax assessment notices.
Financial details. This covers any other forms of income, such as government payments and pensions, as well as assets such as savings. You'll also need to provide details of existing debts, loans and credit cards, as well as an estimate of your regular household expenses.
Balance transfer information. To transfer a balance, you'll need to provide the account numbers of the cards you'd like to transfer, the provider's biller codes and the debt amounts.

Go to Westpac's site More info

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.

Balance transfer offer. You can save with a 0% interest rate for 24 months on balance transfers if you apply and get approved for this card by 31 December 2022. A one-time 1% balance transfer fee applies. At the end of the introductory period, any remaining balances on your card will be charged at the variable cash advance.
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, Emirates and Singapore Airlines, then 1.25 points per $1 spent thereafter. You will also earn 2 points per $1 spent at David Jones, Myer, THE ICONIC, Spotify Premium, Uber, Uber Eats and Airbnb and 1.25 points per $1 spent on all other eligible purchases. You can redeem your points for cashback, gift cards, retail items or frequent flyer point transfers through the Altitude Rewards program.
Priority Pass airport lounge access. This card offers complimentary standard Priority Pass membership (valued at US$99) and waives the cost of your first two lounge visits through the program. While this perk is only available to the primary cardholder, guests can accompany you to a lounge for an additional fee of US$32.
Complimentary travel insurance. The Altitude Black offers complimentary overseas travel insurance when you use the card to pay for at least $500 of your travel costs before the start of your trip. You also need to currently live in Australia, have a return ticket to Australia and be under 80 years of age. Your partner and/or any dependent children travelling with you can also get cover through this policy when they meet the eligibility requirements. In addition to overseas travel insurance, the Westpac Altitude Black offers complimentary interstate flight inconvenience insurance and car rental excess cover for eligible trips in Australia.
Complimentary insurance for shopping. You can also get access to purchase security insurance, extended warranty cover and price guarantee cover for eligible items you buy with the Westpac Altitude Black.
Westpac Concierge. The 24/7 Westpac Concierge can help you save time on booking restaurants, planning events and fulfilling other requests you may have. You can make requests over the phone by calling 1300 651 999.
Mobile technology. You can use your compatible device to make contactless mobile payments at the checkout through Apple Pay, Samsung Pay or Google Pay. You can also pay with your eligible fitness tracker with Fitbit Pay and Garmin Pay.

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.

Interest-free period. You will receive up to 45 days interest-free on new purchases when you pay your monthly payment balance listed on your statement in full by the payment due date. Note that these interest-free days are separate from any longer-term interest rate promotions and the monthly payment balance excludes current balance transfers.
Cash advance rate. The variable interest rate on cash advances and cash-equivalent transactions is 21.49% p.a.
Credit limit. The minimum credit limit for this card is $15,000.
Foreign transaction fee. A foreign conversion fee of 3% is charged for any purchases made with an international retailer.

Go to Westpac's site More info

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285 Comments

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
- 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
  
  Reply
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
- finder 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
Theresa
January 17, 2019

WOULD LIKE TO USE AIRPORT LOUNGE WHILST IN SINGAPORE IN MARCH

Reply
- finder 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
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
- finder 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
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
- finder Customer Care
  
  Rench
  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,
  Rench
  
  Reply

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Westpac Altitude Black