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Altitude Black Card
Our premier credit card with our highest earn rate for rewards points. Enjoy exclusive extras like lounge passes, travel insurance and concierge support.
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From 30 September 2026, we're making changes to some Westpac Credit Card fees and rates, including updates to the Rewards Points program. Find out more
From 1 October 2026, we’re making changes to the Westpac Credit Cards Complimentary Insurance Policy. Find out more
Important notice
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Choose your Altitude Rewards Program
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Up to 45 days interest-free - To give you more opportunity to avoid interest charges on your purchases.[#] Note cash advances aren’t covered by this interest-free period.
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Cashback and discounts - With a Westpac credit card, you'll get personalised cashback offers from Westpac Extras, Westpac bonus Cashback when you shop via the Westpac Lounge on ShopBack, plus other discounts and offers from a wide range of shops, in-store and online.
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Split your purchases - Split your purchases over $100 into 4 payments over 6 weeks with the PartPay feature on your credit card.
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We got your back - Use the Dynamic CVC on your digital card. The 3-digit number changes every 24 hours for added fraud protection.
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Australia’s Best Banking App - Manage your credit card in the Westpac App[#], with features to help you budget, save and stay on top of your finances.
Frequently asked questions
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How do I register for the complimentary lounge passes?
Priority Pass Lounge[#]
If you choose Altitude Rewards you can register your Altitude Black Mastercard to receive 2 complimentary lounge visits per year to use at more than 1000 VIP airport lounges worldwide.
Qantas Club Complimentary Invitations[#]
If you choose Altitude Qantas, you are eligible for 2 Complimentary Invitations per year after you spend on eligible selected Qantas products and services[#] each year using your Altitude Black Mastercard. You must first register and opt in to take advantage of this feature.
Virgin Australia Domestic Lounge[#]
If you choose Altitude Velocity, you just need to provide us with your Velocity Frequent Flyer number and make a direct spend at Virgin Australia each year from your card open date.[#] The Virgin Australia domestic lounge passes will then be available in your Velocity Frequent Flyer account within 10 business days, ready for you to enjoy the next time you travel domestically with Virgin Australia.
How does the Complimentary International Travel Insurance work and am I eligible for it?
You can obtain written confirmation of eligibility for cover for your overseas journey from the issuer of the insurance, AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited, based on the answers you give AGA, by applying online at: checkyourcover.com.au/westpac. If you provide AGA with incorrect answers to the questions we ask you, you may not be eligible for cover under the group policy issued to Westpac.[#]
What do the complimentary insurances cover?
International Travel Insurance[#](see policy for details)
Access up to 6 months' complimentary cover for International Travel Insurance when you meet the eligibility criteria as set out in the Credit Card Complimentary Insurance Policy including prepaying $500 of your travel costs to your eligible card and holding a return overseas ticket before departing Australia, (see policy document for full eligibility criteria, terms, conditions, and exclusions).
Overseas Transit Accident Insurance[#]
Overseas Transit Accident Insurance covers against specified accidental death or injury when sustained overseas while riding, boarding or alighting as a passenger in a plane, bus, train or shorthaul ferry when you have purchased the tickets for the entire trip using your Credit Card before you leave (terms, conditions, exclusions and eligibility criteria apply).
Purchase Protection Insurance[#]
Access to up to 4 months Purchase Protection Insurance on eligible purchases, as set out in the Credit Card Complimentary Insurance Policy (terms, conditions, exclusions and eligibility criteria apply).
Extended Warranty Insurance[#]
Up to 24 months extended warranty insurance cover (in addition to the manufacturer's expressed Australian warranty) on a range of personal items purchased using your Credit Card (terms, conditions, exclusions and eligibility criteria apply).
What is the Personal Concierge Service and how does it benefit me?
We've recently partnered with Ten Lifestyle Services. Westpac Altitude Black cardholders will now be able to browse and book experiences with ease, purchase hard-to-get tickets, make last-minute restaurant reservations and more, all online. You can find out more here (https://westpac.tenconcierge.com/), or reach our Lifestyle Managers on 1300 651 999 (option 4) for 24/7 personalised assistance.
How do I access my Economy X Seat Upgrades?
When you choose Altitude Velocity rewards you can also enjoy 2 Economy X seat upgrades a year, on selected domestic Virgin Australia flights.[#] To receive the upgrades, simply provide us with your Velocity Frequent Flyer number and make a direct spend at Virgin Australia on your Altitude Black Mastercard. Vouchers will then be available in your Velocity Frequent Flyer account within 10 business days.[#]
To redeem your Economy X Seat Upgrade vouchers you must first book an eligible domestic flight directly with Virgin Australia. Once you have booked an eligible domestic flight with Virgin Australia, you will need to call the Virgin Australia Guest Contact Centre on 1300 038 373 to redeem your Economy X Seat Upgrade vouchers.[#]
Things you should know
Qantas Rewards Points: The earning and redemption of Qantas Points are subject to the Altitude Terms and Conditions. Purchases that are not eligible to earn Rewards Points are set out in the Altitude Terms and Conditions. You do not receive points if you have not paid the Minimum Payment Due in full and on time and in other circumstances. Points earnt for PartPay Purchases are based on the full value of the purchase, and not on each instalment amount. Qantas Points earned during a statement cycle are added to your respective Points balance on a monthly basis.
Altitude Qantas: In order to earn and redeem points, you must be a member of the relevant Frequent Flyer program. An annual $75 Rewards Program Fee applies for customers who choose this option.
Velocity Rewards Points: The earning and redemption of Velocity Points are subject to the Altitude Terms and Conditions. Purchases that are not eligible to earn Rewards Points are set out in the Altitude Terms and Conditions. You do not receive points if you have not paid the Minimum Payment Due in full and on time and in other circumstances. Points earnt for PartPay Purchases are based on the full value of the purchase, and not on each instalment amount. Velocity Points earned during a statement cycle are added to your respective Points balance on a monthly basis.
Altitude Velocity: In order to earn and redeem points, you must be a member of the relevant Frequent Flyer program. An annual $75 Rewards Program Fee applies for customers who choose this option.
Concierge Services for Altitude Black. Concierge services are provided by a third party supplier. For further details including terms and conditions visit westpac.tenconcierge.com.
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