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Like earning Velocity 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 Mastercard® or Visa card. Then enjoy even wider card acceptance, a high Velocity 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 Velocity 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: $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

Velocity 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.



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 American Express Westpac Altitude Cards Key Facts Sheet

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.

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.

Velocity Points: To earn and redeem Velocity Points individuals must be an American Express Westpac Altitude Card Member and Velocity member. Membership of Velocity is the Card Member’s responsibility and is subject to the Velocity Membership Terms and Conditions as amended from time to time, available at Velocity Points are earned in accordance with the American Express Westpac Altitude Cards Points Terms and Conditions. Exclusions apply. Eligible purchases do not include cash advances, interest, balance transfers, fees and charges for travellers cheques and foreign currencies. These do not earn Velocity Points. For the full list of exclusions please refer to the American Express Westpac Altitude Cards Points Terms and Conditions.

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 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 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.