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Westpac Altitude Black

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Earn 150,000 bonus Altitude Rewards points and travel in style with luxury perks and complimentary insurance covers.

Apply for a new Westpac Altitude Black card by 11 November 2020 and spend $4,000 on eligible purchases within 90 days from card approval and you'll receive 150,000 bonus Altitude Rewards points.

6.99% p.a.

Balance transfer rate

for 12 months


Bonus points

20.49% p.a.

Purchase rate


Reward points

Per $ spent

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Product NameWestpac Altitude Black
Rewards programWestpac Altitude Rewards
Balance transfer rate6.99% p.a. for 12 months
Balance transfer revert rateCash Advance Rate (21.49% p.a.)
Balance transfer limit80% of available limit
Purchase rate20.49% p.a.
Annual fee$250
Interest-free period45 days
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


  • 150,000 bonus Altitude Points when you spend $4,000 on eligible purchases within the first 90 days
  • Complimentary lounge passes
  • Complimentary overseas travel and purchase insurances


  • 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 points150,000
Rewards points per $ spent1.25
Annual fee$250
Minimum monthly repayment2% of the closing balance or $10, whichever is greater
Late payment fee$15
Foreign currency conversion fee3%
Cash advance fee2% or $2.50, whichever is greater
Overseas cash advance fee2%
Additional cardholder fee$0
Number of additional cardholders1

Expert review

Amy Bradney-George

Review by

Amy Bradney-George is the acting editor for credit cards and has more than 13 years’ experience writing about personal finance. She has bylines in publications including The Sydney Morning Herald, ABC News and The Equity Magazine. A passionate writer, she’s also acting editor for Finder X and senior writer for Finder Green. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University, and when she’s not writing she spends her time as an actress.

Expert review

The Westpac Altitude Black is a premium card that gives you a competitive earn rate of 1.25 points per $1 spent uncapped, which you can redeem for 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 or Singapore Airlines KrisFlyer.

How to apply

It takes around 10 minutes to apply for the Westpac Altitude Black 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

  • Income. You must earn at least $75,000 per year.
  • Residency. You must be an Australian citizen or permanent resident currently living in Australia.

Card benefits

  • 150,000 bonus Altitude points. If you apply for a Westpac Altitude Black Credit Card by 11 November 2020, are approved, and reach a minimum spend of $4,000 on eligible purchases within 90 days from card approval, you will receive 150,000 bonus Altitude Rewards points. To give you an idea of the potential value of these points, you could redeem them for $500 cashback to your account (141,000 points) or $620 worth of WISH eGift cards from Woolworths Group (145,700 points for six $100 cards and one $20 card). 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 or Singapore Airlines KrisFlyer.
  • 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, Virgin Australia, 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.

Rates & fees

  • Annual fee. The standard annual fee for using this card is $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 20.49% 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 this 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. 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,

  6. 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?



    • Avatarfinder Customer Care
      August 17, 2017

      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.


  7. Default Gravatar
    August 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

    • Default Gravatar
      August 9, 2017

      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.


  8. Default Gravatar
    August 1, 2017

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

    • Default Gravatar
      August 1, 2017

      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.


  9. Default Gravatar
    July 20, 2017


    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 ?


    • Default Gravatar
      July 22, 2017

      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.


  10. Default Gravatar
    July 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?

    • Avatarfinder Customer Care
      July 12, 2017

      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,

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