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Westpac Altitude Black Credit Card

This “super” premium credit card combines the highest earn ratios for Altitude points across Westpac’s portfolio of credit cards with a plethora of premium travel and lifestyle services. You choose between the Altitude or Qantas Rewards programs.

Introductory Offer: 60,000 Bonus Qantas or Altitude Points

Offer Conditions: Apply online by 11th June 2018. Earn 60,000 bonus Qantas or Altitude Points when you spend $3,000 on eligible purchases with a new Altitude Platinum credit card within 90 days of card approval. Exclusions apply.

Altitude Rewards

Points earned per $1 spent on purchases are the most generous Westpac credit card rewards point offer, plus they do not expire and there are no caps to the points you can earn:

  • 1.25 points - Altitude Black MasterCard (Australian Transactions)
  • 3 points - Altitude Black MasterCard (Overseas transactions)

Qantas Rewards

You must opt into the Altitude Qantas rewards program to earn Qantas Points with your Westpac Altitude Black Card. Qantas Points are automatically credited to your Qantas Frequent Flyer account every month

  • Westpack Altitude Black  - 0.625 Qantas Points per $1 of spent on eligible purchases at Australian merchants

You will also enjoy the benefit of uncapped earning potential with the opportunity to earn Qantas Points or Altitude Rewards Points on your purchases with your Altitude Black MasterCard.

You also earn Qantas Points fast when you stay, dine or shop with exclusive Altitude Black Premium Bonus Partners.

The Altitude Reward program is both flexible and rich with choices, points can be redeemed for a ever increasing range of goods and services and points can also be transferred to a selection of Airline partner programs which include Virgin Velocity Frequent Flyer, Singapore Airlines KrisFlyer, Cathay Pacific Airmiles, Malaysia Airlines Enrich Program and Air New Zealand Airpoints.

Sitting alongside this first class rewards offer is an extensive range of premium travel and lifestyle services which the Altitude Black card offers, these include:

  • Dedicated Westpac Concierge service and access to exclusive Black Card Concierge App
  • Altitude Black Travel service - a full scale travel agency to help plan and book your travel requirements
  • Starwood Gold Preferred Guest Membership - Get fast tracked to this status
  • Comprehensive complimentary insurance - Westpac’s top tier policy
  • Up to 45 days interest free on purchases when full closing balance is paid by the statement due date
  • Annual fee of $395 - With a disount of $145 of this in the first year.
Credit Card Details
Provider Westpac
Prestige Level Platinum
Credit Card Type MasterCard
Instant Approval Yes in 60 seconds
Standard Rates
Purchase Rate 20.24%
Cash Advance Rate 20.74%
Interest Charged From Purchase date
Interest Free Period Up to 45 days
Balance Transfer
Balance Transfer Rate -
Balance Transfer Period -
Balance Transfer Fee -
Balance Transfer Processing Time -
Max. Balance Transfer -
Revert rate -
Intro Offer Earn 60,000 bonus Qantas or Altitude Points when you spend $3,000 on eligible purchases with a new Altitude Platinum credit card within 90 days of card approval. Exclusions apply.
Offer end date 11th June 2018
Rewards Program Altitude or Qantas Rewards Program
Rewards Points -
Acceptance Criteria
Age to Apply 18
Min. Income $75,000
Residency Australia
Temporary residents No
Min. Credit Limit $15,000
Joint applicants No
Fees & Terms
Min. Monthly Repayment -
Annual Fee $395
Over Limit Fee $15
Duplicate Statement fee $7.50
Late Payment Fee $15
Min. Monthly Repayment % 2%
Max. Credit Limit -
Cash advance fee 2% of the value of the transaction or minimum charge of $2.50
Additional card holder fee $0
Travel & Insurance
Foreign currency conversion fee 3% of transaction value.
Overseas atm withdrawal fee $5
Complimentary travel insurance Westpac's highest tier of Insurance which includes: For overseas trips up to 6 months, cover includes: Specified medical expenses incurred overseas, Up to $20,000 per person cover for loss or damage to personal property, Up to $550 per person for loss or damage to travel documents, Limit of $2.5 million of personal liability cover, Up to $5,500 rental vehicle excess cover for loss or damage to rental vehicle, You, your spouse and your dependent children could be automatically covered for Complimentary Overseas Travel Insurance cover on your journey, if before you leave you prepay travel costs using either one of your Altitude Black cards.

What happens when I click "Go to site"?

  • 1

    Clicking Go to site will direct you to the providers web site

  • 2

    Complete the online application on the providers web site

  • 3

    Once approved the provider will issue your new product, delivery times will vary by provider.