Westpac Black Rewards Credit Cards

Information verified correct on April 30th, 2017

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 dual card with both Mastercard and American Express capabilities, the Altitude Black credit card has 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The Westpac Altitude Platinum Plus, Earth Platinum Plus and Westpac Earth Black have been replaced by the Westpac Altitude Black.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 cardsWestpac_Logo

Fees, rates and charges

  • Annual fee. This premium, dual credit card account charges $195 p.a. annual fee for the first year ($395 p.a. thereafter).
  • 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 and 3.5% for the American Express when you shop overseas.


  • 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 rateMasterCardAmerican Express
    Altitude Rewards
    Bonus partners
    1.25 per $1 (Australia), 3 per $1 (overseas)

    Additional: Up to 3 bonus points

    3 per $1 (Australia), 3 per $1 (overseas)

    Additional: Up to 3 bonus points

    Altitude Qantas
    Bonus partners
    0.625 per $1

    Additional: Up to 1 bonus point

    1.5 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 or Black American Express and you’ll be covered by QBE’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, QBE 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. For example, using your Westpac Black American Express to buy a Qantas flight from Sydney to Los Angeles would net you two Qantas Lounge invitations, complimentary travel insurance and Qantas Points at the bonus rate.
    If you’re an Altitude Rewards member, enrol in Priority Pass when you get your card to get access to more than 700 lounges across 120 countries. Guests can join you for a $27 fee.

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 $395 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

Which transactions won’t earn points?

The following transactions do not accrue Altitude or Qantas Points.

  • Government charges (excluding GST)
  • Interest and bank charges
  • BPAY payments
  • ATO payments (MasterCard only)
  • Cash advances

Do I earn points paying my tax bill?

You can use the Westpac Altitude Black American Express card to make payments to the ATO and you will be rewarded with Altitude or Qantas Points.

  • 0.75 Qantas Points per dollar spent using the Altitude Black American Express
  • 1 Altitude Point per dollar spent using the Altitude Black  American Express

Is there a cap on the number of points I can earn?

There is no cap on the number of Altitude or Qantas Points you can earn using the Westpac Altitude Black credit cards.

Where can I find a list of bonus partners?

You can find a list of Altitude Rewards Bonus partners on the Altitude Rewards website. Bonus partners include popular hotels and merchants.

Can I use Altitude Points for flights?

Yes, you can redeem your Altitude Points for travel vouchers or you can transfer your Altitude Points to frequent flyer points in a number of leading frequent flyer programs.

  • Velocity
  • Enrich
  • Air New Zealand Airpoints
  • KrisFlyer
  • Cathay Pacific AsiaMiles

Westpac Altitude Rewards Program

Back to top
Was this content helpful to you? No  Yes

Related Posts

ANZ Platinum Credit Card - Exclusive Offer
ANZ Platinum Credit Card - Exclusive Offer

Interest rate


Annual fee

St.George Vertigo Platinum
St.George Vertigo Platinum

Interest rate


Annual fee

NAB Low Rate Credit Card
NAB Low Rate Credit Card

Interest rate


Annual fee


Ask a Question

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Disclaimer: At we provide factual information and general advice. Before you make any decision about a product read the Product Disclosure Statement and consider your own circumstances to decide whether it is appropriate for you.
Rates and fees mentioned in comments are correct at the time of publication.
By submitting this question you agree to the privacy policy, receive follow up emails related to and to create a user account where further replies to your questions will be sent.

34 Responses to Westpac Black Rewards Credit Cards

  1. Default Gravatar
    Graham | May 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.

    • Staff
      Ysa | May 13, 2016

      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.


  2. Default Gravatar
    John | April 11, 2016

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


    • Staff
      Ysa | April 11, 2016

      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.


  3. Default Gravatar
    Rod | January 31, 2016

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

    • Staff
      Jonathan | February 1, 2016

      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.



  4. Default Gravatar
    Lounge | May 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

    • Staff
      Jonathan | May 18, 2015

      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.



  5. Default Gravatar
    Rex | March 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

    • Staff
      Jonathan | March 27, 2015

      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.



  6. Default Gravatar
    Hussain | February 12, 2015

    how i can send email to Stephen Benton??

    • Staff
      Jonathan | February 12, 2015

      Hi Hussain, thanks for your inquiry.

      Please note that 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.



  7. Default Gravatar
    Mark | August 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 ?

    • Staff
      Shirley | August 27, 2014

      Hi Mark,

      Thanks for your question.

      Unfortunately BPAY payments are considered ineligible purchases to earn points.


  8. Default Gravatar
    hoa | May 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

    • Staff
      Shirley | May 23, 2014

      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
      hoa | May 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

    • Staff
      Shirley | May 28, 2014

      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.


  9. Default Gravatar
    Catherine | April 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

    • Staff
      Jacob | April 14, 2014

      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.

  10. Default Gravatar
    Karen | December 15, 2013

    I have booked my overseas air tickets on my black card. I assume I am covered on the travel insurance. However, is it necessary for me to fill out a form or contact anyone as regards the travel insurance. Do I need to complete a form for Zurich and If I do, what is the correct procedure.

    Thank you.

    • Staff
      Jacob | December 16, 2013

      Hi Karen.

      Thanks for your question.

      Once you meet the eligible and activation requirement set out in the policy document, the cover is automatic. You should give the PDS a read for further information. I’ve sent it to your email.

      I hope this helps.

Ask a question