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Like earning Altitude 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 Visa card. Then enjoy even wider card acceptance, a high Altitude Points earn rate and American Express benefits like International Airport Lounge access.


Special offer

Get 80,000 bonus Altitude Points when you apply, are approved and spend $3,000 on eligible purchases on the American Express Westpac Altitude Black Card within 90 days of Card approval. New cards only.~

And no annual card fee in the first year ($199 thereafter).**

Offer ends 12th December 2019, only available when you apply via this page.


More great reasons to add an American Express Westpac Altitude Black Card

Westpac's highest earn rate, uncapped

Earn 3 Altitude 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. American Express 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: $0 in the first year ($199 thereafter)**

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

Altitude Points earn rates on eligible purchases, uncapped:

  • 3 points for every $1 spent in Australia.
  • 5 points per $1 spent in foreign currency.
  • 1 point for every $1 spent at government bodies in Australia such as Australia Post & the Australian Taxation Office

 

 


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.

$10

Over the Counter Fee

Payable if you pay your Card account in person at Australia Post.

$3
Things you should know

The American Express Westpac Altitude Card Key Fact Sheet

Altitude Rewards Terms and Conditions (PDF 2MB)

American Express Westpac Altitude Credit Card Compensation Deed Poll (PDF 152KB)

American Express Credit Card Conditions, Privacy Statement, Credit Guide and Financial Services Guide

American Express Westpac Altitude Cards Points Terms and Conditions

American Express Westpac Altitude Card Insurance Policy

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.

~ Bonus points promotion: Offer only available to selected Westpac Altitude cardholders who apply online for the new American Express Westpac Altitude Black Card between 27th June 2019 to 12th December 2019, or by the dates specified in your invitation, whichever comes first, are approved and spend $3,000 on eligible purchases on their new Card within 90 days of Card approval. Bonus Points will be awarded to the eligible Card Member’s account 8-10 weeks after the spend criteria have been met. Card Members who currently hold or who have previously held any other American Express Westpac Altitude Card product issued by American Express Australia Limited in the preceding 18 month period are ineligible for this offer. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer and is only available to customers who have received a direct communication from Westpac about the offer. This is a limited time offer which may be withdrawn or changed at any time without notice.

**First year Annual Card Fee waiver: The American Express Westpac Altitude Black Card will have a $0 introductory annual Card fee for the first year of Card Membership. After the first year, the annual Card fee will be $199 per year and is payable on the anniversary of card approval. Offer only available to new American Express Westpac Altitude Black Card Members who apply between 27th June 2019 and 12th December 2019 and are approved.

Altitude Points: The earning of Altitude Points and bonus Altitude Points using an American Express issued Altitude Card is subject to the American Express® Westpac Altitude Cards Points Terms and Conditions available at americanexpress.com/australia/altitude-points-t&c. Redemption of Altitude Points is subject to the Altitude Rewards Terms and Conditions available at altituderewards.com.au. You may not be able to redeem Altitude Points if your Card account is in arrears for 2 consecutive statement cycles and in other circumstances. 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 americanexpress.com/australia/altitude-points-t&c. Bonus Points will be awarded to the eligible Card Member’s account 8-10 weeks after the spend criteria have been met. Government: Merchants classified as “government” include the Australian Taxation Office, the Australian Postal Corporation (Australia Post), federal/state and local government bodies.

Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 2227 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 American Express Westpac Altitude Card Insurance Policy 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.