Westpac Altitude Black – Details and Application

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Earn 80,000 bonus Altitude Rewards points when you reach a minimum spend of $5,000 on eligible purchases and save 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 NameWestpac Altitude Black
Rewards ProgramWestpac Altitude Rewards
Purchase rate (p.a.)20.24% p.a.
Offer end date26 October 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 Repayment2% or $10, whichever is greater
Minimum Income$75,000
Card TypeAmerican 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 InsuranceYes
Available To Temporary ResidentsNo
Joint ApplicationNo
Minimum Income$75,000
Minimum Age18 years of age
Available to Temporary ResidentsNo
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 Repayment2% or $10, whichever is greater
Late Payment Fee$15
Over Limit Fee$15
Cash Advance Fee2% of the value of the transaction or minimum charge of $2.50
Overseas Cash Advance Fee2%
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 AllowedYes
Gambling Transactions Interest RateCash Advance Rate
Additional Cardholder Fee$0 p.a.
Number of Additional Cardholders1
BPAYYes
ChequeYes
Direct DebitYes
Internet Banking TransfersYes
In BranchYes
MailYes

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 26 October 2017.
  • Earn up to 2.5 points per $1 spent.

Cons

  • There is an interest-free period of only up to 45 days on purchases as compared to other cards that offer up to 55 days interest-free.
  • This card charges a relatively high annual fee of $395.
Rewards ProgramWestpac Altitude Rewards
Bonus Points on Sign-up80,000
Rewards Points per $ (VISA/MC)1.25
Rewards Points per $ (AMEX)2.5
Rewards Points per $ (VISA/MC) CapUncapped
Rewards Points per $ (AMEX) CapUncapped
Points ExpiryNever

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. For the purpose of this review, we will focus on Altitude Rewards. If you are interested in the Qantas option, you will find that review here. If you're a frequent flyer member, you'll also benefit from travel-centric features such as two complimentary airport lounge passes, complimentary travel insurance and the Altitude Black Travel Service.

Benefits of using the Westpac Altitude Black credit card

  • 80,000 bonus Altitude Rewards points. If you apply for a Westpac Altitude Black Credit Card by 26 October 2017, are approved, and reach a minimum spend of $5,000 on eligible purchases within 90 days from card approval, you will receive 80,000 bonus Altitude Rewards points.
  • Westpac Altitude Rewards points. 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 2.5 points per $1 spent on eligible purchases anywhere in the world. 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.
  • Discounted annual fee. 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.
  • 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.
  • 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

  • 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 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 a Westpac Altitude Black card is simple and can be done by completing the online application form. Before you begin your application, it’s important that you meet the following eligibility requirements and have the necessary documents handy:

Eligibility criteria

  • You must be at least 18 years of age.
  • You must earn at least $75,000 annually.
  • You must be a permanent Australian resident or Australian citizen.
  • You must have a good credit rating.

Required documents

  • Proof of identification such as Australian driver's licence, Medicare card or Australian passport
  • Employment details like your employment status and your employer’s name, phone number, and address
  • Details about your income and expenditure (which includes details of all existing debts)

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.

Westpac Altitude Black cardholders can enrol for their pass on the Priority Pass Homepage.
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
This card has no limit on the number of points which are collected. These points never expire.
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.
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279 Responses

  1. Default Gravatar
    DiSeptember 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

    • Staff
      JhezelynSeptember 13, 2017Staff

      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

  2. Default Gravatar
    GrahamSeptember 3, 2017

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

    • Staff
      RenchSeptember 3, 2017Staff

      Hi Graham,

      Thanks for your inquiry. Please note that we are not affiliated with Westpac or any company we feature on our site and so we can only offer you general advice.

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

      Best regards,
      Rench

  3. Default Gravatar
    August 16, 2017

    I currently a have a Westpac Altitude rewards (blue) card, am I still eligible for the 80,000 bonus points if I sign up for this Westpac Altitude Black card and spend 5k?

    Thanks,

    Craig

    • Staff
      JhezelynAugust 17, 2017Staff

      Hi Craig,

      Thanks for your comment.

      To qualify for the bonus points, yes you must apply for a Westpac Altitude Black Credit Card by 26 October 2017, be approved, and reach a minimum spend of $5,000 on eligible purchases within 90 days from card approval, you will receive 80,000 bonus points.

      Regards,
      Jhezelyn

  4. Default Gravatar
    MikeAugust 9, 2017

    I am overseas. Will payment of school fees on my Earth Black MC be an eligible purchase for points? I am an existing Earth Black MC and Amex holder

    • Staff
      DanielleAugust 9, 2017Staff

      Hi Mike,

      Thank you for contacting finder. We are a comparison website and general information service, we’re more than happy to offer general advice.

      According to Westpac, as long as the school fees are put through as a purchase, you should get points.

      I hope this helps.

      Cheers,
      Danielle

  5. Default Gravatar
    NicoleAugust 1, 2017

    Can I pay my rent through DEFT to reach the $5000 minimum spend or is this considered a cash equivalent transaction?

    • Staff
      LiezlAugust 1, 2017Staff

      Hi Nicole,

      Thanks for your question.

      Rent payment through DEFT is an eligible purchase hence, can form part of the $5000 minimum spend. Eligible transactions do not include fees, cash, cash equivalent transactions, BPAY, refunds and balance transfers debited from the card account. To elaborate more on cash advance transactions, you may refer to our guide on this page.. Also, it’s a good idea to always check with the bank if you’re unsure whether the purchase is eligible or not.

      Cheers,
      Liezl

  6. Default Gravatar
    July 20, 2017

    Hi

    My wife is currently a Westpac black card holder and I have a spouse card…so this is an additional card.

    If I apply for my own Westpac Black Qantas card would I be considered as a new customer and would I qualify for the 80 000 points ?

    Regards
    Anand

    • Staff
      JonathanJuly 22, 2017Staff

      Hello Anand,

      Thank you for sending your inquiry. :)

      Additional cardholder is considered as an existing Altitude Member, as your eligible transactions earn points. Please refer to the T&Cs on their site.

      Hope this helps.

      Cheers,
      Jonathan

  7. Default Gravatar
    JasonJuly 11, 2017

    I currently have all my personal bank accounts with Westpac and I have an ANZ Frequent Flyer Black card.

    If I did a balance transfer to change my credit card to a Westpac Altitude Black card and spend $5000, am I still eligible for the bonus 80000 points?

    • Staff
      JasonJuly 12, 2017Staff

      Hi Jason,

      Thank you for your enquiry.

      You’ll be eligible for the bonus points of Westpac Altitude Black as long as you are not a current Westpac Altitude Platinum or Westpac Altitude Black cardholder, or who have held one in the last 12 months, and that you meet the required eligible spend requirements within 90 days from card approval.

      Eligible purchases do not include fees, cash, cash equivalent transactions, BPAY, refunds and balance transfers debited from the card account.

      Kind regards,
      Jason

  8. Default Gravatar
    LanceJune 29, 2017

    I am in the UK from Australia, booked travel on Black earth travel. Need to go to the doctor for antibiotics. What is the process for claiming travel insurance?

  9. Default Gravatar
    JadaJune 8, 2017

    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!

    • Staff
      MayJune 8, 2017Staff

      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

  10. Default Gravatar
    rebeccaJune 7, 2017

    Am I able to apply for this card if I already have a different AMEX card with a different bank?

    • Staff
      JasonJune 8, 2017Staff

      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

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