Get up to 150,000 bonus Qantas Points[#] — 90,000 Qantas Points in year 1 and 50 Status Credits[#] if you spend $9k+ on eligible purchases[#] within 90 days of new card approval and an extra 60,000 points with $9k+ spend on eligible purchases[#] within 90 days of card anniversary in year 2.
Already with Westpac? Sign in to apply and get a $200 first year card fee (reverts to $295 p.a. thereafter).[#] A $155 annual Qantas Rewards Program fee still applies.
Offer not available if you’ve held a Westpac credit card in the last 24 months. New cards only. Credit criteria and T&Cs apply.
Complimentary travel insurances - Access to a range of complimentary travel insurances provided by Allianz Global Assistance.
- International cover includes Overseas Emergency Assistance, Overseas Medical & Hospital Expenses (including dental), Funeral Expenses and Personal Liability
- Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia covers benefits such as Cancellation, Flight Delay, Lost Luggage and Rental Vehicle Insurance
Terms, conditions, exclusions, limits and applicable sub-limits and eligibility apply.[#]
| New cards only. | |
| Variable purchase rate | 23.98% p.a. |
| Variable cash advance rate | 23.99% p.a. |
| Minimum credit limit | $6,000 |
| Minimum income required | $75,000 p.a. |
| New cards only. | |
| Annual card fee | $295 |
| Annual Altitude Qantas Rewards Program fee | $155 |
| Foreign transaction fee | 3% Payable as a percentage of the Australian dollar value of any foreign transaction. Applies for transactions in a foreign currency, or in Australian dollars but processed by an overseas merchant or financial institution. Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia. More about this fee. |
| Cash advance fee | 3.5% of the value of the transaction will apply to each cash advance made on your card account. These charges will appear on your credit card statement directly below the relevant cash advance. |
| Missed payment fee | $20 each statement cycle that the minimum monthly payment is not paid by the statement due date. |
For more information about credit card fees.
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.
Register and opt in
Domestic Travel Insurance[#]
Domestic Travel Insurance covers flights within and between states in Australia. Cover includes Cancellation, Flight Delay, Luggage and Luggage Delay. Please refer to the Westpac Credit Card Domestic Complimentary Insurance Policy Information Booklet for full eligibility criteria, terms, conditions and exclusions.
Rental Vehicle Excess Insurance in Australia[#]
Cover if a rental vehicle you have rented from a rental company or agency in Australia is involved in an accident while you’re driving it, or is damaged or stolen while in your custody. Please refer to the Westpac Credit Card Domestic Complimentary Insurance Policy Information Booklet for full eligibility criteria, terms, conditions and exclusions.
Complimentary International Medical Travel Insurance[#]
Up to 3 months (subject to your eligible card) Complimentary International Medical Travel Insurance which includes Overseas Medical & Hospital Expenses, Funeral Expenses, Personal Liability and Overseas Emergency Assistance. To be eligible you must have prepaid $500 of your travel costs to your eligible Westpac credit card, activate your insurance before departing Australia, and hold a return overseas ticket. Please refer to the Westpac Credit Card International Travel Insurance, Product Disclosure Statements for full eligibility criteria, terms, conditions and exclusions.
If you’ve met eligibility criteria on or before 30 September 2026, please refer to the Westpac Credit Cards Complimentary Insurance Policy Information Booklet.
Our 'everyday spend' category consists of 4 sub-categories: supermarkets, department stores, petrol stations and utilities. Below is a list of examples of merchants included in these 4 categories:
- Supermarkets include stores such as Woolworths, Coles, IGA, Harris Farm and ALDI
- Department stores include stores such as Kmart, Target, Big W, David Jones and Myer
- Petrol stations include stores such as 7-Eleven, Shell, Ampol, Caltex and BP
- Utilities include payments for water, gas, electricity, internet, mobile and streaming services (excluding BPAY® payments).
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- product-service:credit-cards/altitude-velocity-black
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- product-service:credit-cards/altitude-velocity-platinum
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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