American Express® Westpac Altitude Black Card
Like earning Qantas Points? Then here’s a great way you can earn a whole lot more. Add an American Express® Westpac Altitude Black Card to your existing Westpac Altitude or Earth Mastercard® or Visa card. Then enjoy even wider card acceptance, a high Qantas Points earn rate and American Express benefits like International Airport Lounge access.
More great reasons to add an American Express Westpac Altitude Black Card
Westpac's highest earn rate, uncapped
Earn 1.25 Qantas Points for every $1 spent on eligible purchases in Australia. Uncapped1
Extra lounge passes
Enjoy two complimentary visits each year to the American Express Airport Lounge at either Sydney or Melbourne International Airports, with your American Express Westpac Altitude Black Card.
Complimentary insurance covers
Complimentary cover for overseas travel, extended warranty, purchase security transit accidents, subject to the terms and conditions set out in the American Express Westpac Altitude Insurance Policy.
Access to American Express benefits
Whether it's shopping, dining, travel or entertainment there's an Amex Offer with your name on it. Amex Invites opens the door to access pre-sale tickets to some of your favourite artists and includes reserved seating offers, only with the American Express Westpac Altitude Black Card.
The important numbers
This credit card is issued and serviced by American Express and operates independently to your existing Westpac card. It will have a separate credit limit, separate statement as well as separate fees and charges.
Annual Card fee: $199
Interest Rate on purchases: 20.24% p.a.
Cash advance rate: Cash advances are not available
Interest free days on purchases: Up to 45
Minimum credit limit: $3,000
Minimum income to apply: $65,000
Qantas Points earn rates on eligible purchases, uncapped:
- 1.25 points for every $1 spent in Australia
- 2 points per $1 spent in foreign currency
- 0.5 points per $1 spent at government bodies in Australia such as Australia Post & the Australian Taxation Office
- 1 additional Qantas Point for every $1 spent on selected Qantas products and services in Australia.
Other fees that may apply
|Fees payable to American Express (these may change)||Amount|
|Additional Card Fee||$0|
|Dishonour Fee||$6 for each dishonour or direct debit rejection.|
|Late Payment Fee||$30|
|Currency Conversion Fee||3.0% of the converted amount.|
Record of Charge Fee
Payable if you or your additional Card Member request a copy of an individual charge.
$7 for charges in Australia.
$10 for other charges.
Additional Statement Fee
Payable if you or your additional Card Member request a copy of an additional posted monthly paper statement.
Over the Counter Fee
Payable if you pay your Card account in person at Australia Post.
Things you should know
The invitation to apply for the American Express Westpac Altitude Card is for the intended recipient only and this invitation is not transferable. You must apply by the invitation expiry date displayed in the email or letter you received.
Conditions, credit criteria and fees and charges apply. Switches or Westpac Group staff are ineligible. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.
Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.
American Express Westpac Altitude Cards are issued and administered by American Express Australia Limited ABN 92 108 952 085, Australian Credit Licence No. 291313. ® Registered Trademark of American Express Company.
American Express will pay a monthly commission to Westpac in relation to your account. As the commission is dependent on all American Express Westpac Altitude customers’ use of their Cards, the amount is not ascertainable. Fees or charges in relation to this Card are only payable to American Express, not Westpac.
Note: The Card issued by American Express will be a separate credit card contract to the Westpac Altitude Card, with its own credit limit, statement and annual Card fee.
Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.
Qantas Points: You must be a member of the Qantas Frequent Flyer program to earn and redeem points. Membership and Qantas Points are subject to the terms and conditions of the Qantas Frequent Flyer program. Qantas Points are earned on Eligible Purchases in accordance with and subject to the American Express Westpac Altitude Cards Points Terms and Conditions as long as your account remains current and in good standing. Eligible purchases: do not include cash advances, interest, balance transfers, fees and charges for traveller’s cheques and foreign currencies. For the full list of exclusions, please refer to the American Express Westpac Altitude Cards Points Terms and Conditions available at . Government: Merchants classified as “government” include the Australian Taxation Office, the Australian Postal Corporation (Australia Post), federal/state and local government bodies.
Qantas products and services: Selected Qantas products and services are Qantas passenger flights (with a QF flight number) purchased on the Qantas merchant account, i.e. directly with Qantas or some travel agents, and Qantas Frequent Flyer and Qantas Club membership joining and annual fees apply. Excludes Jetstar, Qantas Holidays, Qantas branded non airfare products, Qantas Freight and Qantas Staff Travel. For full Qantas Frequent Flyer Terms and Conditions, visit qantas.com.au/terms.
Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible American Express Westpac Altitude cardholders to claim under it as third party beneficiaries. You must use your American Express Westpac Altitude Card to prepay $500 of travel costs in order to be covered under the overseas travel insurance. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the which may be amended from time to time. Westpac does not guarantee this insurance.
American Express Lounge access: Entry into The American Express Lounges is governed by the full Terms and Conditions available at amex.com.au/airportlounge. All entrants must adhere to the General Conditions of Entry. American Express Westpac Altitude Black Card members are entitled to two entries per calendar year to the American Express Lounges, located at Sydney International Airport or Melbourne International Airport. The total entitlement of two entries per calendar year applies across both Sydney and Melbourne Airport Lounges. Complimentary access is available for the Card Member’s children between the ages of 2-17. Card Member’s wishing to bring additional guests may be subject to a charge that is to be processed on the Card Member’s American Express Card.
Registered to BPAY Pty Ltd ABN 69 079 137 518