Altitude Black

Westpac’s most rewarding card offering you a choice of two great rewards programs – Altitude Rewards and Altitude Qantas with our highest points earn rate, premium travel and lifestyle services.

Two cards linked to one account. Extended complimentary insurance. Highest points earn rates.
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    1300 651 999

    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 17 November 2014 - 5 January 2015. Find out more at Rates
  • 3.99% p.a. for 6 months on balance transfers at card application. Limited time offer. Find out more at Rates.

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


Two cards linked to one account

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


Uncapped points earned per $1 spent on eligible purchases

If you choose Altitude Rewards:

  • 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). 

If you choose Altitude Qantas:

  • 0.625 points - Altitude Black World MasterCard ® (Australian Merchants)
  • 1.5 points - Altitude Black World MasterCard ® (Overseas Merchants)
  • 1.5 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
  • Be fast tracked to elite Gold Preferred Guest Membership status with Starwood Hotels and Resorts
  • Westpac’s most comprehensive complimentary insurance cover.

If you select Altitude Rewards:

  • Two complimentary  Priority Passes per year to use at your choice of over 700 VIP airport lounges in over 400 cities in 120 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 bonus Altitude Points.

If you select Qantas Rewards:

  • Complimentary Qantas Frequent Flyer membership if you're not already a member
  • Two complimentary Qantas Lounge invitations per year after your first Altitude Black Card spend on selected Qantas products and services,To take advantage of this offer you must first register and opt in.


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
  • Pay for everyday purchases under $100 with the ease and convenience of contactless technology
  • Recommended income to apply $75,000.


Earning and redeeming Altitude Points and Qantas 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 Terms and Conditions and at altituderewards.com.au. See Details.

The earning and redemption of Qantas Points is subject to the Altitude Rewards and Altitude Terms and Conditions. You must be a member of the Qantas Frequent Flyer program to earn and redeem points in accordance with the terms and conditions of the Qantas Frequent Flyer program. Complimentary Qantas Frequent Flyer memberships are available on new cards for the primary cardholder for a limited time, if you are not already a member.


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. Blackout dates may apply. Offers may vary according to itinerary options, currency fluctuations and taxes at the time of booking. Altitude Travel charges a 2% credit card usage fee. This fee is correct as at 9 November 2014 and is subject to change. You do not earn Altitude points on the credit card usage fee. For more information visit the Altitude Rewards website or call Altitude Travel 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.

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Things you should know
  • 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 If you choose Altitude Rewards If you choose Altitude Qantas
Points earned on eligible purchases - Altitude Black World MasterCard®(Australian Merchants) $1 = 1.25 Altitude Points $1 = 0.625 Qantas Points
Points earned on eligible purchases - Altitude Black World MasterCard®(Overseas Merchants) $1 = 3 Altitude Points $1 = 1.5 Qantas Points
Points earned on eligible purchases - American Express Card (Australian Merchants and Overseas Merchants)

$1 = 3 Altitude Points

$1 = 1.5 Qantas Points

Earning Bonus points
  • Earn up to 3 bonus Altitude Points per $1 spent on purchases at participating Bonus Partners. See altituderewards.com.au for details
  • Earn 1 bonus Altitude Point per $1 spent on brokerage when you trade through Westpac Online Investing 
  • Earn 1 bonus Qantas Point for every $1 you spend on selected Qantas products and services
  • Earn Qantas Points twice with Qantas Frequent Flyer Program partners. Earn Points once on your Altitude cards and again with the partner by presenting your Qantas Frequent Flyer membership card.
Redeeming your points

You can redeem your Altitude Points (minimum 3,000) for a wide range of rewards , including:

  • Technology, including from Apple, Sony and Bose
  • Homewares, including by Dyson, Kitchenaid, Tefal
  • Gift cards and retail vouchers, including from Westfield, David Jones, Myer, Harvey Norman and Bunnings.

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.
  • Redeem Qantas Points for Award flights with Qantas and over 30 partner airlines and affiliates
  • Request a Flight Upgrade Award on eligible Qantas domestic and international flights
  • Redeem for a range of merchandise and gift cards from the online Qantas Store
  • Flexibility to book your next Award flight using Points Plus Pay.

See qantas.com/frequentflyer for details.


More about Altitude Points 

The details on how and when you earn Altitude Points are in the Altitude Terms and Conditions (PDF 193kb).

Effective from 9 November 2014 we will be introducing some changes to the way you earn Altitude Points on ATO payments. See Details.

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 local bonus points partners to earn up to triple the usual points
  • Redeem Altitude Points for rewards
  • Check your Altitude Rewards account.

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

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 is provided by Australian Investment Exchange Ltd ("AUSIEX") ABN 71 076 515 930 AFSL 241400, a Participant of the ASX Group.


More about Qantas Points 

You must be a member of the Qantas Frequent Flyer program to earn and redeem Points. The details on how and when you earn Qantas Points are in the Altitude Terms and Conditions (PDF 193kb)

Effective from 9 November 2014 we will be introducing some changes to the way you earn Qantas Points on ATO payments. See Details.

The Terms and Conditions of the Qantas Frequent Flyer program also apply. Complimentary Qantas Frequent Flyer memberships are available on new cards for the primary cardholder for a limited time, if you are not already a member. For more details on the Qantas Frequent Flyer program see Details. Qantas Points are not earned on balance transfers or cash advances.

The Jetstar Any Seat Awards booking service and the Qantas Frequent Flyer Store are operated by Carlson Marketing Group (Aust) Pty Ltd trading as Carlson Leisure Travel Service. Licence No. 2TA 5778, IATA 02-3 59523.

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    Apply now

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Things you should know
  • 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.

Airport Lounge Priority Pass (if you select Altitude Rewards)

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 700 VIP airport lounges in over 400 cities in 120 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

Qantas Lounge passes (if you select Altitude Qantas)

  • Receive two complimentary Qantas Lounge invitations a year
  • To use your passes, enrol at Altitude Black and opt in. Your first Card spend on selected Qantas products and services will activate your Qantas Lounge pass.

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 spg.com. For promotion conditions go to spg.com/WestpacWorldMasterCard

Altitude Black Travel Service (if you select Altitude Rewards)

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+Pay
  • Bookings purchased with Altitude Black through Altitude Travel will earn 3 bonus points for every $1 spent (surcharge applies).

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 on your journey, if each of you meet the eligibility criteria, including pre-paid travel costs using your credit card. 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 Points for the account holder only.

Contactless technology

For a fast and convenient payment option for purchases under $100 - simply hold your contactless card against the terminal wherever you see the contactless symbol or your card logo - no need to enter a PIN or sign (where available).

Now you can use your Samsung Galaxy S5, S4 or Note 3 (N9005) smartphone to tap and pay for everyday purchases. Simply download the Westpac Mobile Banking app and choose which debit or credit cards you wish to use for mobile payments. To make a payment simply hold the back of your Samsung Galaxy S5, S4 or Note 3 (N9005) 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 see 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 Altitude Black Travel Service

Altitude Black Travel Service is operated by Pinpoint Travel Group Pty Ltd Licence No. 2TA002974. Blackout dates may apply. Offers may vary according to itinerary options, currency fluctuations and taxes at the time of booking. Altitude Travel charges a 2% credit card usage fee. This fee is correct as at 9 November 2014 and is subject to change. You do not earn Altitude Points on the credit card usage fee. For more information visit the Altitude Rewards website or call Altitude Travel 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
  • 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 before 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
  • 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

Transaction Interest rates
Purchases 20.24% p.a. (variable)
Special purchase rate promotion:
See terms and conditions below.
0% p.a. for 12 months from card approval
Cash advances 21.24% p.a. (variable)
Special balance transfer promotion:
See terms and conditions below.
3.99% p.a. for 6 months

Special purchase rate promotion terms and conditions

  • New cards only. Apply between 17 November 2014 - 5 January 2015.
  • Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible for this offer
  • Introductory rate on purchases is not available in conjunction with any promotion other than the special balance transfer promotion available at card application
  • After 12 months, the introductory purchase rate will switch to the variable purchase rate then applicable to your card account.

Special balance transfer promotion terms and conditions

  • Balance transfers requested at new card application. Apply between 17 November 2014 - 5 January 2015.
  • Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible for this offer
  • The promotional rate applies to balance transfers (min $200) from non-Westpac credit or charge cards requested at new card application
  • The promotional rate applies for 6 months from the date the transfer is made
  • The Consumer Credit Cards Conditions of Use explain how payments you make are applied to these transfers
  • Interest free days don’t apply to balance transfers
  • Interest free days on purchases don’t apply unless you pay the closing balance in full by the due date shown on your statement
  • The standard variable purchase rate applies to any amount of a promotional balance transfer unpaid after 6 months and to balance transfers requested at any time after card application.
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    Apply now

    Get a response in 60 seconds

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Things you should know
  •  

  • 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 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
  • 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.