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Westpac Black Rewards Credit Cards

Enjoy higher reward earn rates, travel perks and other exclusive benefits with a Westpac Black Rewards credit card.

While the Earth Platinum Plus and Westpac Earth Black cards are no longer available, cardholders can still take advantage of the Altitude Black credit card. A Mastercard which offers higher earn rates, up to 80,000 bonus points and complimentary travel insurance.

Changes to Westpac credit cards

The Westpac Altitude Platinum Plus, Earth Platinum Plus and Westpac Earth Black have been replaced by the Westpac Altitude Black. The Altitude Black gives you the option of earning Altitude Points or Qantas Points. You can switch between the programs anytime you like.

Comparing the features, fees and benefits of Westpac Black credit cards

Fees, rates and charges

  • Annual fee. This premium, dual credit card account charges $250 p.a..
  • Interest rate. Pay 20.24% p.a. on purchases and 20.74% p.a. on cash advance transactions. Interest is calculated daily and charged monthly.
  • Cash advances. If you use your card for cash advance transactions such as ATM withdrawals, you'll incur a cash advance interest rate of 20.74% p.a. and a fee of 2% of the transaction amount.
  • Interest-free days. Westpac offers up to 45 days interest-free on purchases if you consistently pay your account in full by the statement due date.
  • Late payment fee. You'll be required to make a minimum repayment of 2%, each statement period. If you don't, you'll be charged a late payment fee of $15.
  • Foreign transaction fee. Westpac also charges a currency conversion fee of 3% for the Mastercard.


  • Rewards program. The Altitude Black is Westpac’s top-tier rewards product and lets you choose between Altitude or Qantas Rewards. Redeem your Qantas Points for flights and services, or a wide range of non-flight rewards in the Altitude Store. You can also transfer your Altitude Points to five different frequent flyer programs if Qantas is not your preferred airline.
  • No points cap. There is no limit to the number of points you can earn with this account and you'll earn them at the following rate.
    Earn rateMastercard
    Altitude Rewards
    Bonus partners
    per $1 (Australia and overseas)

    Additional: Up to 3 bonus points

    Altitude Qantas
    Bonus partners
    1.25 per $1

    Additional: Up to 1 bonus point

  • Bonus partners. Altitude Rewards bonus partners include Best Western, Cellarmasters and Hoyts. You can also use your Westpac Black account to purchase Qantas products and services to get 1 bonus Qantas Point per dollar spent if you’ve opted into the Qantas Program.

Platinum features

  • Complimentary travel insurance. Spend $500 of your prepaid travel costs on the Westpac Black Mastercard and you’ll be covered by Allainz's Westpac Black complimentary international travel insurance for up to 6 months. Your family are also covered if their prepaid travel costs are charged to the Westpac Black account and they are travelling with you for the length of your trip.
    The primary cardholder (you) and spouse and dependent children receive different levels of cover. However, Allianz provides unlimited cover for some benefits, including hospital and medical, funeral expenses and unexpected cancellation of travel arrangements. Loss and damage to personal property is covered up to $20,000 per person. See our guide on Westpac credit card complimentary travel insurance for more information.
  • Concierge service. The Westpac concierge service is a 24/7 complimentary benefit extended to Westpac Black cardholders. A Westpac concierge can help you with tasks such as arranging tickets for shows, recommendations and reservations for hotels or restaurants and travel arrangements from anywhere in the world. You can also manage all your requests through the Westpac concierge smartphone application, available for iOS devices.
  • Complimentary airport lounge access. If you sign up for Qantas Rewards on this card, you can get two complimentary passes to the Qantas Lounge when you use the Westpac Black account to purchase Qantas products and services.

Extra perks

  • Additional cardholder. You can request an additional cardholder for your account at no extra charge. The additional cardholder must be over the age of 16.
  • No liability for unauthorised transactions. Westpac and Mastercard give you a money back guarantee if you’re the victim of credit card fraud.

Why you should and shouldn’t get a Westpac Black Credit card


  • Insurance. This card has a comprehensive insurance package including travel, transit accident, purchase security and extended warranty cover.
  • Points. This account has a high earn rate for overseas purchases and offers bonus points when shopping with reward partners. You'll also have the flexibility of earning your choice of Qantas Points and Westpac Altitude Rewards.
  • Lounge passes. While a few cards offer platinum perks such as complimentary insurance and rewards, lounge passes are a little rarer, allowing you to wait in style for your next flight.


  • Fees. This card has a high standard annual fee of $250 and a high variable interest rate of 20.24% p.a. Make sure that these costs are outweighed by the benefits of the card to enjoy its full value.
  • Qantas earn rate. There are some platinum credit cards that have a higher Qantas Points earn rate for a lower annual fee.

How to apply for a Westpac Black Credit Card

You can apply for the Westpac Black securely, online and in under 15 minutes by clicking the “Go to site” button. As well as providing your personal and contact information, you’re required to verify your identity with Westpac and upload proof of income to complete the application.

If you’re like to add an additional cardholder to the account, make sure you have their personal and contact information available when you apply.

Eligibility requirements

  • Age. You must be 18 years of age or older to apply for the Westpac Black account.
  • Residency. You must be a permanent Australian resident.
  • Minimum income. Westpac have a recommended minimum income of $75,000 for this credit card.

Required documents

  • Identification. As a new customer, you can verify your identity with Westpac online using your driver’s licence, passport or Medicare card.
  • Financials. As well as providing information about your assets and liabilities, you’ll need to verify your income. You can do this by attaching copies of recent payslips and bank statements.If you’re self-employed, you will need to provide tax returns from the past two years.

While Westpac may have narrowed down its Black card options, the Westpac Altitude Black card still offers a lot by the way of premium features and rewards. As it's not the only black card on the market, though, make sure you compare your options before applying.

Frequently asked questions

Westpac Altitude Rewards Program

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36 Responses

  1. Default Gravatar
    DiApril 24, 2018

    If I purchase DOMESTIC airline tickets with my Altitude Black Mastercard, am I covered for travel insurance, including the purchase of tickets?

    • Default Gravatar
      ArnoldApril 24, 2018

      Hi Di,

      Thanks for your inquiry

      Unfortunately, this travel insurance policy only covers overseas travel. You may want to check the following page for travel insurance options for domestic flights.

      Hope this information helps


  2. Default Gravatar
    GrahamMay 1, 2016

    My wife and I are self funded retires and have been with Westpac for seven years now on the earth black master and amex cards and would like to updated our credit cards after seeing the advantage of the Altitude card regarding points and lounge facilities.

    We travel every year to the UK to see out Daughter for four weeks and after looking into the earth Altitude can we change over to these cards keeping the same account number and discounted the card fee as we are on with earth black.
    Graham Lowe.

    • finder Customer Care
      YsaMay 13, 2016Staff

      Hi Graham,

      Thanks for your question.

      Please note that Westpac Earth cards are no longer for available. Unfortunately, it is not possible to link your card to the Altitude Rewards Program. However, you may wish to switch over to Qantas; but please do note that the account number would also change if you’ve decided to do so.

      On the other hand, you may like to check our Westpac Black credit cards for other options. Should you wish to speak with the Westpac customer service team, you can contact them on 132 032 for further assistance and verification of account fees.

      I hope this helps.


  3. Default Gravatar
    JohnApril 11, 2016

    Does the Westpac Black Amex card entitle me to one complimentary return flight per year? I have Altitude Qantas rewards.


    • finder Customer Care
      YsaApril 11, 2016Staff

      Hi John,

      Thanks for your question.

      The Westpac Altitude Black provides a complimentary travel insurance; unfortunately, cardholders are not entitled for a free return flight.

      However, you may be able to redeem your Qantas points for flights using your Altitude Black Credit Card.

      I hope this helps.


  4. Default Gravatar
    RodJanuary 31, 2016

    We have black earth cards, are disadvantaged with the replacement cards ,eg capped points etc

    • finder Customer Care
      JonathanFebruary 1, 2016Staff

      Hi Rod, thanks for your inquiry!

      You may like to compare Rewards credit cards on this page which can provide uncapped points earnings and replacements cards in the event of loss or damage.



  5. Default Gravatar
    LoungeMay 16, 2015

    re: Airport Lounge – Is this a calendar year with the 2 free passes? Is it just for my partner and myself, or can I take a friend instead?

    Kind regards

    • finder Customer Care
      JonathanMay 18, 2015Staff

      Hi Vicki, thanks for your inquiry!

      As per the terms and conditions “The first two visits within each 12-month membership period are complimentary to the primary cardholder only, after which every visit would be charged as per the prevailing rates. Any accompanying guests will be charged US$27 per visit, which will be automatically charged on the cardholder’s Altitude Black American Express Card.” The 12-month period is set from when the first pass has been redeemed.



  6. Default Gravatar
    RexMarch 27, 2015

    My wife and I are planning an interstate holiday. If we book accommodation, hire cars and air fares WITHIN AUSTRALIA and pay using our Westpac Black credit cards, do we receive any complimentary travel insurance cover?
    Thank you

    • finder Customer Care
      JonathanMarch 27, 2015Staff

      Hi Rex, thanks for your inquiry!

      Unfortunately this travel insurance policy only covers overseas travel. Please see the following page for domestic travel insurance options.



  7. Default Gravatar
    HussainFebruary 12, 2015

    how i can send email to Stephen Benton??

    • finder Customer Care
      JonathanFebruary 12, 2015Staff

      Hi Hussain, thanks for your inquiry.

      Please note that finder.com.au is a comparison service and is not directly affiliated with Westpac. It would be best to contact Westpac’s Customer Service department through phone, at a local branch, post or fax.



  8. Default Gravatar
    MarkAugust 23, 2014

    Hi, I have a Westpac Earth Black Card which earns Qantas flyer points when i spent. My question is this, if i pay with BPay via internet banking, do i still earn frequent flyer points ?

    • finder Customer Care
      ShirleyAugust 27, 2014Staff

      Hi Mark,

      Thanks for your question.

      Unfortunately BPAY payments are considered ineligible purchases to earn points.


  9. Default Gravatar
    hoaMay 22, 2014


    I am interested in applying for either the Altitude or the Earth but am a bit confused as to which one will reward/suit me more. I like to fly both Qantas/Jetstar as well as Virgin. So I believe is this is the case then the Altitude is better to suit me, though will I earn more points and be able to purchase more if I was to select the Earth and fly with Qantas/Jetstar as I usually fly with them anyways.
    Thank you

    • finder Customer Care
      ShirleyMay 23, 2014Staff

      Hi Hoa,

      Great question.

      It will depend on your own preferences, if you foresee that you’ll be flying with Qantas or Jetstar a lot more, then you may want to opt for the Earth.

      However, you can redeem Altitude points for a range of other flights too, so it just depends on your personal preferences.


    • Default Gravatar
      hoaMay 23, 2014

      Hi Shirley,

      Thank you for your reply. Can you please also advise me, the main difference between the 2 cards, as to me the altitude comes with a higher point scheme than the earth. Why would I choose the earth over the altitude? Bear in mind that I will have my yearly fee waived because I have a Westpac home loan. If I wanted to fly with Qantas I still can redeem my points to purchase this. As for Earth I can only use Qantas? Will I be getting less credit by redeeming. Still a bit confused.

      Thank you

    • finder Customer Care
      ShirleyMay 28, 2014Staff

      Hi Hoa,

      Thanks for your question.

      At the moment Westpac is only offering the Earth Black as part of their Earth range, whereas if you opt for the Altitude you have a choice of the Altitude, Altitude Platinum and Altitude Black.

      While the Altitude cards generally earn more Altitude points, to redeem for Qantas rewards this could be reduced. For example, one Altitude could be the equivalent to 0.5 Qantas point. So there’s that extra step that you’ll need to take into consideration and your points value could be reduced. This bit will take a bit of research in terms of how much value in dollar terms you’re actually getting.

      The Earth Black, in this case, could be easier because you just earn direct Qantas points. Black cards are generally handy because they have premium features and benefits. Ultimately the decision is up to you, along with your personal and financial situation.


  10. Default Gravatar
    CatherineApril 14, 2014

    I have booked return overseas flights for 3 family members. I intend paying for our overseas accommodation with my black card. This is likely to cost around $2,000 plus. It appears that this would qualify my spouse and I, as cardholders, for complementary travel insurance. How can I have this confirmed prior to my travel so i can depart Australia with reassurance that I we are covered? Can I be provided with a reference number or similar, to quote should I need to make a claim. Also, who is the point of contact should I need urgent advice or assistance whilst I am overseas relating to the insurance?
    Thank you

    • finder Customer Care
      JacobApril 14, 2014Staff

      Hi, Catherine.

      Thanks for your question.

      You can find out more information about the complimentary cover on this page.

      I had a look at the Zurich website (they provide the insurance policy to Westpac and are the people to contact in the event that you need to make a claim), and the offered this in regards to the policy number: “The covers provided to eligible cardholders of Westpac are made available under a Master Policy issued by Zurich to Westpac Banking Corporation. The policy numbers are therefore the same for all Westpac credit card customers who hold a particular type of eligible card, as follows:

      Black Cards: 78 WPACERT CCI”

      I hope this helps.

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