Altitude Black

Westpac's most rewarding cards with our highest Altitude Rewards points earn rate, premium travel and lifestyle services.

Two cards linked to one account. Altitude Black MasterCard and Altitude Black American Express.
  •  

    Apply now

    Get a response in 60 seconds

    Apply online
  • Give us a call

    1300 651 089

    8am-8pm, 7 days a week

Essentials

Special promotions

  • 0% p.a. purchase rate for 12 months from card approval on new cards only. Apply between 25 July 2014 - 30 September 2014. Find out more at Rates
  • 3.99% p.a. for 6 months on balance transfers at card application for Altitude Black credit cards. Limited time offer.

Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible for this offer.


2 cards linked to one account

  • An Altitude Black American Express® Card for maximum points earn
  • An Altitude Black World MasterCard® for worldwide acceptance.


Points earned per $1 spent on eligible purchases

  • 1.25 points - Altitude Black World MasterCard (Australian Merchants)
  • 3 points - Altitude Black World MasterCard (Overseas Merchants)
  • 3 points - Altitude Black American Express Card (Australian Merchants and Overseas Merchants).


Premium features and benefits 

  • Dedicated Westpac Concierge service and access to exclusive Black Card Concierge App
  • Two complimentary  Priority Passes per year to use at your choice of over 600 VIP airport lounges in over 275 cities in 100 countries when you enrol
  • Altitude Black Travel service can help you plan and book every aspect of your journey. You’ll also be rewarded with additional points.
  • Be fast tracked to elite Gold Preferred Guest Membership status with Starwood Hotels and Resorts
  • Westpac’s most comprehensive complimentary insurance cover.


Standard variable interest rates

  • On purchases - 20.24% p.a.
  • On cash advances - 21.24% p.a.


Interest free days and more

  • Up to 45 days interest free on purchases when full closing balance is paid by the statement due date
  • Annual fee currently $395
  • Minimum card limit $15,000
  • Recommended income to apply $75,000.


Earning and redeeming Altitude rewards points on all Altitude Black credit cards

The details on how and when you earn Altitude rewards points and how to redeem them are in the Altitude Rewards Terms and Conditions and at altituderewards.com.au. See Details.


Complimentary insurance covers for Altitude Black

Zurich Australia Insurance Limited ABN 13 000 296 640 AFSL 232507 (Zurich) issues these covers to Westpac Banking Corporation under separate Master Policies and is liable for the risks insured. Terms, conditions, exclusions and limits apply. No Westpac Group company has any liability in connection with the insurance policies. Read the policy in Details.


More about Priority Pass

The date of visits determine which year of membership the visit is allocated to. Unused visits in any year cannot be carried forward to the following year .The free visits are reset to two in each 12-month period. Renewal of membership and terms and conditions are at the discretion of Priority Pass Ltd. For full details visit Priority Pass website.


More about Altitude Black Travel Service

Altitude Black Travel Service is operated by Pinpoint Travel Group Pty Ltd Licence No. 2TA002974. Altitude Travel charges a 2% credit card usage fee. This fee is correct as at 12 October 2012 and is subject to change. You do not earn Altitude points on the credit card usage fee. For all other enquiries visit the Altitude Black Rewards website or call Altitude Black Travel Service on 1300 651 999.


More about Starwood Preferred Guest Gold Membership

The Starwood Preferred Guest® Program is managed by Starwood Hotels & Resorts Worldwide Inc. Starwood Preferred Guest® Program conditions apply. Find out more at Altitude Black or spg.com. For promotion conditions go to spg.com/WestpacWorldMasterCard.

  •  

    Apply now

    Get a response in 60 seconds

    Apply online
Things you should know
  • © 2013 Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. Westpac is the credit provider and credit licensee under National Consumer Credit Laws.

    World MasterCard® and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. PayPass™ is a trademark of MasterCard International Corporation.

    American Express® is a trademark of American Express. The Westpac Altitude Black
    American Express Card is issued by Westpac Banking Corporation pursuant to a license from American Express.

Rewards

Rewards points earned per $1 spent on eligible purchases

  • 1.25 points - Altitude Black World MasterCard® (Australian Merchants)
  • 3 points - Altitude Black World MasterCard (Overseas Merchants)
  • 3 points - Altitude Black American Express Card (Australian Merchants and Overseas Merchants)
  • Earn 1 bonus Altitude point per $1 spent on brokerage when you trade through Westpac Online Investing.


Altitude Black Travel Service

  • 3 bonus points per $1 spent on eligible purchases using either your Altitude Black World MasterCard or Altitude Black American Express Card.


Altitude Black additional points

  • Earn 3 bonus points per $1 spent on eligible purchases using your Altitude Black American Express Card when you shop, dine or stay with the exclusive Premium Bonus Program. To find out more visit Altitude Black.


Redeeming Altitude reward points

Altitude Black opens the door to an exclusive selection of handpicked rewards and special offers. You’ll find a choice of prestige items and services including luxury goods, timepieces and the latest technology. You can redeem your Altitude reward points (minimum 3,000) for a wide range of rewards, including:

  • Technology, including from Apple, Sony and Bose
  • Homewares, brands including by Dyson, Kitchenaid, Tefal
  • Gift cards and retail vouchers from Westfield, David Jones, Myer, Harvey Norman and Bunnings
  • Travel, including flights, hotels, weekends away, mystery trips and gift vouchers
  • A range of fashion and jewellery products including Kallis and Ferragamo
  • Luxury and bespoke exclusive items including a De Rosa handmade bike manufactured in Italy or a walk-in wine cellar from French brand Vintec.

You can also use your Altitude points to redeem frequent flyer points from 5 different frequent flyer programs:

  • Virgin Australia’s Velocity
  • Malaysia Airline’s Enrich
  • Air New Zealand Airpoints
  • Singapore Airlines KrisFlyer
  • Cathay Pacific AsiaMiles.

You must be a member of the relevant frequent flyer program to redeem Altitude points for frequent flyer points. The Altitude Rewards Terms and Conditions and the terms and conditions of the relevant frequent flyer program apply. Availability of award flights may be limited.

Visit altituderewards.com.au or sign in to Altitude Rewards through Westpac Online Banking to:

  • View the latest altitude rewards magazine, new rewards and special offers
  • Find your local bonus partners to earn up to 3 times the amount of points
  • Redeem Altitude points for rewards
  • Check your Altitude rewards account.


Earning and redeeming Altitude rewards points on Altitude Black credit cards

The details on how and when you earn Altitude rewards points on eligible purchases and how to redeem them are in the Altitude Rewards Terms and Conditions and at altituderewards.com.au. See Details.


More on earning bonus points with Westpac Online Investing

To earn Altitude points with Westpac Securities, you must register your card and agree to the terms and conditions on the Westpac Online Investing website. Log into your Online Investing account, go to My Account, My Profile then Altitude. Follow the instructions in the Rewards section. If you’re not already a Westpac Securities customer, you can join at westpac.com.au. Share trading through Westpac Securities is provided by Australian Investment Exchange Ltd ("AUSIEX") ABN 71 076 515 930 AFSL 241400, a Participant of the ASX Group.

  •  

    Apply now

    Get a response in 60 seconds

    Apply online
Things you should know
  • © 2013 Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. Westpac is the credit provider and credit licensee under National Consumer Credit Laws.

    World MasterCard® and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. PayPass™ is a trademark of MasterCard International Corporation.

    American Express® is a trademark of American Express. The Westpac Altitude Black
    American Express Card is issued by Westpac Banking Corporation pursuant to a license from American Express.

Features

Altitude Black Card Priority Service line

Wherever you are and whatever the time of day, if you have any queries relating to your card, the dedicated Altitude Black Card Priority Service line will be ready to help with lost or stolen cards, making payments and more.

To contact the 24/7 Altitude Black Card Priority Service line call 1300 651 999 toll-free anywhere in Australia or +61 3 6345 1999 reverse charge when overseas.

Westpac Concierge

Say goodbye to the time consuming and mundane.

  • Westpac Concierge is on-call 24/7 to handle your requests, including restaurant and taxi bookings through to planning a party
  • To contact Westpac Concierge call 1300 651 999
  • Exclusive to Westpac Black cardholders, the Black Card Concierge app is perfect for when you're on the move. Plus, you can save time by saving your preferences and repeating previous requests. Download from the App store.

Altitude Black Travel Service

The Altitude Black Travel Service can help plan every aspect of your journey. Our experts can help you with luxury reservations and bespoke itineraries as well as simple bookings.

  • You have the option of paying for your travel using your card, points or a combination or points plus pay
  • Bookings purchased with Altitude Black through Altitude Travel will earn 3 bonus points for every $1 spent (surcharge applies).

Airport Lounge Priority Pass

When travelling internationally, it’s a welcome relief to be able to escape crowded terminals, especially if there is a delay or cancellation.

  • Enrol to receive two complimentary lounge passes every year to use at over 600 VIP airport lounges in over 275 cities in 100 countries
  • Travelling companions can join you in the lounge for a current cost of US$27, which will be charged directly to your Altitude Black American Express card
  • To receive your Priority Pass complimentary membership enrol online at Altitude Black

Starwood Preferred Guest Gold Membership

Altitude Black fast tracks you to Preferred Guest Gold Membership status with Starwood Hotels and Resorts. Enjoy a complimentary upgrade to Gold status after one nights stay  in the Asia Pacific region, usually available after staying 25 nights where you’ve paid for your stay and all services with your Altitude Black World MasterCard®.

You can also access member benefits at more than 1,000 amazing hotels spanning across renowned groups like Sheraton®, Le Méridien®, Four Points®, Westin®, The Luxury Collection®, Aloft®, ElementSM, St. Regis® and W® Hotels.

Gold Membership includes:

  • An enhanced room at check in
  • 4 pm late checkout
  • Three Starpoints® earned for every eligible dollar spent (a 50% bonus over base level members).

Enrol online at spg.com/WestpacMasterCard or call the Starwood Customer Contact Centre on 1800 072 525.

Blackout dates and other restrictions may apply to this promotion. Starwood Preferred Guest® Program conditions apply. Find out more at Altitude Black or www.spg.com. For promotion conditions go to www.spg.com/WestpacWorldMasterCard

Shop the world with Globaleshop

  • Save 30% off shipping when you register and ship with globaleshop, an online service for Westpac Altitude Black American Express cardholders
  • Enjoy hassle-free shopping at any US or UK online site and have your purchases delivered to your door in Australia. Offer valid until 31 December 2014.

Altitude Black Personal Shopper

Use your Altitude points just as you choose. With Altitude Black Personal Shopper you can redeem your points, or any combination of points plus pay, for any item or service you choose. A dedicated shopping consultant handles each redemption. They will help find that special gift, secure a big-ticket item, source a personal service or suggest an idea that will make your life easier. Call Altitude Rewards on 1300 651 999.

Extended complimentary insurance

A range of complimentary insurance covers come with your cards as set out in the Westpac Credit Cards Complimentary Insurance Policy in Details.

Overseas travel insurance

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 as specified in the policy 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 in accordance with the policy. Find out more in Details.

Transit accident insurance

Up to $500,000 transit accident insurance cover against specified accidental death or injury when sustained while riding as a passenger in a plane, bus, train or ferry when you have purchased the tickets for the journey using either one of your Altitude Black cards before you leave.

Purchase security insurance

4 months cover against loss, theft or accidental damage for most new items purchased in Australia and overseas provided the purchase is charged to the credit card account.

Extended warranty insurance

Up to 24 months extended warranty insurance cover (in addition to the manufacturer’s expressed Australian warranty) on most new personal items purchased using your Altitude Black cards.

Zurich Australian Insurance Limited ABN 13 000 296 640 AFSL 232507 (Zurich) issues these covers to Westpac Banking Corporation under separate Master Policies and is liable for the risks insured. Terms, conditions, exclusions and limits apply. No Westpac Group company has any liability in connection with the insurance policies. Read the policy in Details.

Additional cardholder

  • Add one additional cardholder (16 years or older) at no extra cost
  • The account holder (primary cardholder) is liable for all transactions on these cards and their own card
  • Purchases made by an additional cardholder earn Altitude rewards points for the account holder only.

Contactless technology

For purchases of $100 or less, tap your Mastercard on the PayPass™ terminal wherever you see the contactless symbol - no need to enter a PIN or sign.  

Now you can use your Samsung Galaxy S4 or S5 smartphone to make everyday purchases. Simply download the Westpac Mobile Banking app and choose which cards you wish to use for mobile payments. To make a payment simply hold the back of your Samsung Galaxy S4 or S5 smartphone against the contactless terminal.

Card security

As well as an embedded microchip, take advantage of additional security measures helping defend against fraudulent activity:

All mobile payments are backed by our Fraud Money Back Guarantee. Plus, you can choose to enter your mobile banking password each time you make a purchase for added peace of mind or disable mobile payments in your phone’s NFC settings at any time.

Fraud Money Back Guarantee

Cardholders will be reimbursed for unauthorised transactions, provided the cardholder didn't contribute to the loss and notified Westpac promptly. Refer to the T&Cs for full details of when cardholders may be liable.

Westpac Fraud Money Back Guarantee ensures that any unauthorised transaction claims will be reimbursed provided that the cardholder has not contributed to the loss and contacted us promptly. Refer to the Consumer Credit Cards Conditions of Use for full details of when cardholders may be liable. Further information on resolving debit card transactional issues please go to what to do if there is a fraudulent transaction on your card.

Credit card repayment protection

Optional credit card repayment protection insurance helps cover your card repayment obligations if you lose your job, or are unfit for work due to sickness, injury or disease.

This insurance is issued by Westpac General Insurance Limited ABN 99 003 719 319 (WGIL) and Westpac Life Insurance Services Limited ABN 31 003 149 157 (WLIS) each of which is liable for separate risks under the terms of the policy in Details. This product is distributed by Westpac Banking Corporation ABN 33 007 457 141 (the Bank). The policy is not an investment in or deposit with the Bank. No Westpac Group company (other than the Bank as policy distributor and WGIL and WLIS as the product issuers) has any liability in connection with the policy or this document. The Bank doesn’t guarantee payments under the policy.

More about Globaleshop

  • This offer is brought to you by American Express. Enrol for free at Globale Shop. This offer is only valid for shipping costs incurred on Globale Shop same as previously.
  • The 30% discount on shipping will expire on 31 December 2014. The discount is applicable for shipping charges only. All duties, taxes, etc (if any) will have to be borne by the customer. The shipping discount is applicable only when final payment is made via a valid Altitude Black American Express Card (primary and additional cards)
  • American Express will not be liable for any loss or damage howsoever arising suffered by any user from shipping transactions. American Express reserves the right to change the Terms and Conditions at any time without prior notice
  • The discount is applicable to shipping cost only. The customer has to bear all taxes, duties, etc. American Express will not be liable for any loss of damage howsoever arising suffered by any user from shipping transactions. American Express reserves the right to change the Terms and Conditions at any time without any prior notice.

More about Altitude Black Travel Service

Altitude Black Travel Service is operated by Pinpoint Travel Group Pty Ltd Licence No. 2TA002974. Altitude Travel charges a 2% credit card usage fee. This fee is correct as at 12 October 2012 and is subject to change. You do not earn Altitude points on the credit card usage fee. For all other enquiries visit the Altitude Black Rewards website or call Altitude Black Travel Service on 1300 651 999.

More about Airport Lounge Priority Pass

The date of visits determine which year of membership the visit is allocated to. Unused visits in any year cannot be carried forward to the following year .The free visits are reset to two in each 12-month period. Renewal of membership and terms and conditions are at the discretion of Priority Pass Ltd. For full details visit the Priority Pass website.

  •  

    Apply now

    Get a response in 60 seconds

    Apply online
Things you should know
  • © 2013 Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. Westpac is the credit provider and credit licensee under National Consumer Credit Laws.

    World MasterCard® and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. PayPass™ is a trademark of MasterCard International Corporation.

    American Express® is a trademark of American Express. The Westpac Altitude Black
    American Express Card is issued by Westpac Banking Corporation pursuant to a license from American Express.

Fees

Fees (these may change)Amount
Annual fee$395
Westpac foreign transaction fee

The Westpac foreign transaction fee is payable as a percentage of the Australian dollar value of any foreign transaction. The percentage will vary depending on the applicable credit card scheme:

  • Mastercard: 3.0% 
  • American Express: 3.5%
Cash advances/withdrawal fee

An administrative charge of 2% of the value of the transaction will apply to each cash advance made on your card account, where your account has a negative (debit) balance after the transaction has been posted to it. A minimum charge of $2.50 and a maximum charge of $150 will apply.
Where your account has a positive (credit) balance after the transaction has been posted to it, only a charge of $2.50 will apply.
These charges will appear on your credit card statement directly below the relevant cash advance.

Missed payment charge$9 may be payable each statement cycle that the whole of the minimum monthly payment is not paid by the statement due date. If charged, the Missed Payment Charge will be debited to your account.
Over-limit feeIf your card account was opened beore 4 June 2012, a fee of $9 may be debited from your credit card account every time you exceed your credit limit during a statement cycle. It is debited from your account in that statement cycle, on or after the day(s) your credit limit is exceeded. This fee may also be charged whenever your account is over limit at the commencement of a statement cycle.
Duplicate statement fee$7.50 may be debited from your credit card account if you, or an additional cardholder, order a copy of a statement that has already been issued for your account. This fee is debited from your account on or after the day you order the duplicate statement.

 

Things you should know

For more information see the Consumer Credit Cards Conditions of Use (PDF 649kb)

  •  

    Apply now

    Get a response in 60 seconds

    Apply online
Things you should know
  • © 2013 Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. Westpac is the credit provider and credit licensee under National Consumer Credit Laws.

    World MasterCard® and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. PayPass™ is a trademark of MasterCard International Corporation.

    American Express® is a trademark of American Express. The Westpac Altitude Black
    American Express Card is issued by Westpac Banking Corporation pursuant to a license from American Express.

Rates

TransactionInterest Rates
Purchases20.24% p.a. (variable)
Special promotion: 0% p.a. purchase rate for 12 months from card approval on new Altitude Black cards only. Apply between 25 July 2014 - 30 September 2014.
 Cash advances 21.24% p.a. (variable)

Special purchase rate promotion terms and conditions

  • Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible
  • After 12 months, the introductory purchase rate will switch to the variable purchase rate then applicable to your card account.
  •  

    Apply now

    Get a response in 60 seconds

    Apply online
Things you should know
  •  

  • © 2013 Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. Westpac is the credit provider and credit licensee under National Consumer Credit Laws.

    World MasterCard® and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. PayPass™ is a trademark of MasterCard International Corporation.

    American Express® is a trademark of American Express. The Westpac Altitude Black
    American Express Card is issued by Westpac Banking Corporation pursuant to a license from American Express.

Details

Consumer Credit Card - Conditions of Use (PDF (649kb)

Altitude Rewards Terms and Conditions (PDF 184kb)

Westpac Rewards Cards Concierge Service Terms and Conditions (PDF 153kb)

Westpac Credit Cards Complimentary Insurance Policy (PDF 770kb)

 Westpac Rewards Cards Emergency Travel Assistance Terms and Conditions (PDF 162kb)

Credit Card Repayment Protection Product Disclosure Statement (PDF 222kb)
 
Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.

Credit card repayment protection

Optional credit card repayment protection insurance helps cover your card repayment obligations if you lose your job, or are unfit for work due to sickness, injury, or disease.

Credit Card Repayment Protection Product Disclosure Statement (PDF 222kb)

This insurance is issued by Westpac General Insurance Limited ABN 99 003 719 319 (WGIL) and Westpac Life Insurance Services Limited ABN 31 003 149 157 (WLIS) each of which is liable for separate risks under the terms of the policy. This product is distributed by Westpac Banking Corporation ABN 33 007 457 141 (the Bank). The policy is not an investment in or deposit with the Bank. No Westpac Group company (other than the Bank as policy distributor and WGIL and WLIS as the product issuers) has any liability in connection with the policy or this document. The Bank doesn't guarantee payments under the policy.

  •  

    Apply now

    Get a response in 60 seconds

    Apply online
Things you should know
  • © 2013 Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. Westpac is the credit provider and credit licensee under National Consumer Credit Laws.

    World MasterCard® and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. PayPass™ is a trademark of MasterCard International Corporation.

    American Express® is a trademark of American Express. The Westpac Altitude Black
    American Express Card is issued by Westpac Banking Corporation pursuant to a license from American Express.