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Choose your rewards program:

Get up to 120,000 bonus Altitude Points

Offer ends 15th October 2019. New cards only.

For this offer you'll receive:

  • 80,000 bonus Altitude Points when you apply, are approved and spend $4,000 on eligible purchases on the Mastercard within 90 days of card approval. ^
  • 40,000 bonus Altitude Points when you apply, are approved and spend $3,000 on eligible purchases on the new American Express Westpac Altitude Black Card within 90 days of Card approval. ~


Offer excludes customers who hold/held any Westpac Rewards credit card in the last 12 months.^

-Fees
-Cash or ATM cash advances
-Gambling transactions
-Payments to the Australian Tax Office
-BPAY ®  or similar transactions
-Refunds
-Balance transfers debited from the card account


The important numbers

Our American Express Westpac Altitude Card bundles consist of two cards, each with its own points earn rates, fees and interest rates.

The minimum income to apply for this bundle is $75,000.

Westpac Altitude Black Mastercard

Altitude Points earn rate on eligible purchases, uncapped6:
1.25 points per $1 spent in Australia and overseas

Annual Card fee: $250

Variable purchase rate: 20.49% p.a.

Variable cash advance rate: 21.49% p.a.

Interest free days on purchases: Up to 45

Minimum credit limit: $15,000

 


Issued and serviced by Westpac

American Express Westpac Altitude Black Card

Altitude Points earn rate on eligible purchases, uncapped:

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

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

 


Issued and serviced by American Express


Why choose this bundle with Altitude Rewards?

Up to 4 lounge passes each year3

Relax before you fly with 4 complimentary passes a year: 2 at the American Express International Airport Lounges, plus 2 at Priority Pass  lounges. See FAQs below for details on how to redeem.

Complimentary insurance covers4

Complimentary cover for overseas travel, extended warranty, purchase security, transit accidents, subject to the terms and conditions set out in the Westpac Credit Cards Complimentary Insurance Policy and the American Express Westpac Altitude Card Insurance Policy.

24/7 personal concierge services

Have your own personal assistant on call 24/7, from anywhere in the world. They'll help you with anything from finding a restaurant to planning an event, only with the Westpac Altitude Black Mastercard.


Plus access to:

Amex Offers

Whether it's shopping, dining, travel or entertainment there's an Amex Offer with your name on it, only with an American Express Card.

American Express Invites

American Express Invites opens the door to access pre-sale tickets to some of your favourite artists and includes reserved seating offers, only with an American Express Card.

Westpac Extras

Westpac Extras includes great shopping cashback offers that work on top of any other discounts and rewards points. Simply use your Mastercard as normal and we'll credit your account. No codes, no coupons, all-easy.


Frequently asked questions
 

American Express Airport Lounge 

The American Express Westpac Altitude Black Card gives you 2 complimentary visits each year to the American Express Airport Lounge at Sydney or Melbourne International Airports. Simply present your card and boarding pass at either lounge to gain admission.

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.

Register your card at prioritypass.com/westpacblack

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 using your Altitude Black Mastercard each year from your card open date.3 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.

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.

Register and opt in 

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.*

As a current American Express Westpac Altitude Card Bundle cardholder, you are eligible for complimentary Overseas Travel Insurance cover, provided:

  1. You either permanently reside in Australia or hold a current and valid residency Visa and reside in Australia; and
  2. You spend at least $A500 on your prepaid travel costs (i.e. your travel costs that you pay for before leaving Australia) and you charge these costs to one of your American Express Westpac Altitude Bundle cards.  This could include return travel tickets, airport or departure taxes, overseas accommodation etc.; and
  3. You have a return overseas travel ticket before departing Australia; and
  4. You are not over 80 years of age when you first become eligible for this cover by meeting the above conditions. 


For full details on complimentary insurance, please see the Complimentary Insurance Policy PDF.

Westpac Credit Cards Complimentary Insurance Policy (PDF 297KB)

American Express Westpac Altitude Card Insurance Policy

Overseas travel insurance4 (see policy for details)

The following is a summary only of some of  the benefits available under the Overseas travel insurance (Terms, conditions and exclusions apply.  Refer to the Westpac Credit Cards Complimentary Insurance Policy (PDF 297KB)  and American Express Westpac Altitude Card Insurance Policy for further information).    

  • Medical and hospital expenses incurred overseas;
  • Loss or damage to personal property;
  • Loss or damage to travel documents;
  • Personal liability cover;
  • Rental vehicle excess cover for loss or damage to rental vehicle;
  • Unexpected cancellation of travel arrangements and other unexpected expenses.
Transit accident insurance4

The following is a summary only of the benefit available under the Transit accident insurance policy (Terms, conditions and exclusions apply.  Refer to the Westpac Credit Cards Complimentary Insurance Policy (PDF 297KB) and American Express Westpac Altitude Card Insurance Policy for further information).

Transit accident insurance cover against specified accidental death or injury when sustained while riding, boarding or alighting as a passenger in a plane, bus, train or ferry when you have purchased the tickets for the entire trip using one of your American Express Westpac Altitude Black Bundle Cards.

Purchase security insurance4

The following is a summary only of the benefit available under the Purchase security insurance (Terms, conditions and exclusions apply.  Refer to the Westpac Credit Cards Complimentary Insurance Policy (PDF 297KB) and American Express Westpac Altitude Card Insurance Policy for further information).

4 months cover against loss, theft or accidental damage for a range of new personal items purchased in Australia and overseas using one of your American Express Westpac Altitude Black Bundle Cards.

Extended warranty insurance4

The following is a summary only of the benefit available under the Extended warranty insurance (Terms, conditions and exclusions apply.  Refer to the Westpac Credit Cards Complimentary Insurance Policy (PDF 297KB) and American Express Westpac Altitude Card Insurance Policy for further information).

Up to 24 months extended warranty insurance cover (in addition to the manufacturer's expressed Australian warranty) on a range of new personal items purchased using one of your American Express Westpac Altitude Black Bundle Cards.

Your Altitude Black Mastercard comes with a personal concierge service, which you can access through our app or the Altitude Black Card Priority Service line. The team is available to help you 24/7 with jobs such as booking a table at your favourite restaurant, organising flight tickets, finding a gift or locking in accommodation for your next getaway.

Fees payable to Westpac (these may change) Amount
Annual card fee

$250

Annual rewards program fee

Altitude Rewards: $0

Altitude Velocity: $50

Altitude Qantas: $50

Foreign transaction fee

3.0%

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
2.0% or $2.50, whichever is higher (max. $150). These charges will appear on your statement directly below the relevant cash advance.
Duplicate statement fee $2.00
Missed payment charge $15 each statement cycle that the minimum monthly payment is not paid by the statement due date.

Follow these tips to minimise credit card fees and charges.

Fees payable to American Express (these may change) Amount
Annual Card Fee $199
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

 

 

Not quite right?

Find out more about our other standalone or bundle Altitude cards:

Get up to 120,000 bonus Velocity Points + up to 75 Velocity Status Credits

This special introductory offer ends 15th October 2019. New cards only.

For this offer you'll receive:

  • 80,000 bonus Velocity Points when you apply, are approved and spend $4,000 on eligible purchases on the Mastercard within 90 days of card approval. ^ Plus, if you spend an additional $6,000 on that card in the first year, you'll also get 50 status credits. 2
  • Plus 40,000 bonus Velocity Points ~ and 25 Velocity status credits 5 when you apply, are approved and spend $3,000 on eligible purchases on your new American Express Westpac Altitude Black Card within 90 days of Card approval.


Offer excludes customers who hold/held any Westpac Rewards credit card in the last 12 months.^

-Fees
-Cash or ATM cash advances
-Gambling transactions
-Payments to the Australian Tax Office
-BPAY ®  or similar transactions
-Refunds
-Balance transfers debited from the card account


The important numbers

Our American Express Westpac Altitude Card bundles consist of two cards, each with its own points earn rates, fees and interest rates.

The minimum income to apply for this bundle is $75,000.

Westpac Altitude Black Mastercard

Velocity Points earn rate on eligible purchases, uncapped6:
0.75 points per $1 spent in Australia and overseas

Annual Card fee: $250

Annual Altitude Velocity fee: $50

Variable purchase rate: 20.49% p.a.

Variable cash advance rate: 21.49% p.a.

Interest free days on purchases: Up to 45

Minimum credit limit: $15,000

 


Issued and serviced by Westpac

American Express Westpac Altitude Black Card

Velocity Points earn rate on eligible purchases, uncapped:

  • 1.25 points per $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.

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

 


Issued and serviced by American Express


Why choose this bundle with Velocity?

Economy X Seat Upgrade Vouchers

If you choose Altitude Velocity you'll also get 2 complimentary Economy X Seat Upgrade Vouchers each year to use on selected domestic Virgin Australia flights.*

Available when you spend with Virgin Australia on your Mastercard. See FAQs for details.

Up to 4 lounge passes each year3

Relax before you fly with 4 complimentary passes a year: 2 at the American Express International Airport Lounges, plus 2 at Virgin Australia's domestic airport lounges. See FAQs below for details on how to redeem.

Complimentary insurance covers4

Complimentary cover for overseas travel, extended warranty, purchase security, transit accidents, subject to the terms and conditions set out in the Westpac Credit Cards Complimentary Insurance Policy and the American Express Westpac Altitude Card Insurance Policy.

24/7 personal concierge services

Have your own personal assistant on call 24/7, from anywhere in the world. They'll help you with anything from finding a restaurant to planning an event, only with the Westpac Altitude Black Mastercard.

Velocity Points

Earn points towards your Velocity Frequent Flyer account. Then redeem them for flights and upgrades, fuel, car hire, hotel stays or at the Velocity rewards store.


Plus access to:

Amex Offers

Whether it's shopping, dining, travel or entertainment there's an Amex Offer with your name on it, only with an American Express Card.

American Express Invites

American Express Invites opens the door to access pre-sale tickets to some of your favourite artists and includes reserved seating offers, only with an American Express Card.

Westpac Extras

Westpac Extras includes great shopping cashback offers that work on top of any other discounts and rewards points. Simply use your Mastercard as normal and we'll credit your account. No codes, no coupons, all-easy.


Frequently asked questions
 

American Express Airport Lounge 

The American Express Westpac Altitude Black Card gives you 2 complimentary visits each year to the American Express Airport Lounge at Sydney or Melbourne International Airports. Simply present your card and boarding pass at either lounge to gain admission.

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.

Register your card at prioritypass.com/westpacblack

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 using your Altitude Black Mastercard each year from your card open date.3 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.

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.

Register and opt in 

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.*

As a current American Express Westpac Altitude Card Bundle cardholder, you are eligible for complimentary Overseas Travel Insurance cover, provided:

  1. You either permanently reside in Australia or hold a current and valid residency Visa and reside in Australia; and
  2. You spend at least $A500 on your prepaid travel costs (i.e. your travel costs that you pay for before leaving Australia) and you charge these costs to one of your American Express Westpac Altitude Bundle cards.  This could include return travel tickets, airport or departure taxes, overseas accommodation etc.; and
  3. You have a return overseas travel ticket before departing Australia; and
  4. You are not over 80 years of age when you first become eligible for this cover by meeting the above conditions. 


For full details on complimentary insurance, please see the Complimentary Insurance Policy PDF.

Westpac Credit Cards Complimentary Insurance Policy (PDF 297KB)

American Express Westpac Altitude Card Insurance Policy

Overseas travel insurance4 (see policy for details)

The following is a summary only of some of  the benefits available under the Overseas travel insurance (Terms, conditions and exclusions apply.  Refer to the Westpac Credit Cards Complimentary Insurance Policy (PDF 297KB)  and American Express Westpac Altitude Card Insurance Policy for further information).    

  • Medical and hospital expenses incurred overseas;
  • Loss or damage to personal property;
  • Loss or damage to travel documents;
  • Personal liability cover;
  • Rental vehicle excess cover for loss or damage to rental vehicle;
  • Unexpected cancellation of travel arrangements and other unexpected expenses.
Transit accident insurance4

The following is a summary only of the benefit available under the Transit accident insurance policy (Terms, conditions and exclusions apply.  Refer to the Westpac Credit Cards Complimentary Insurance Policy (PDF 297KB) and American Express Westpac Altitude Card Insurance Policy for further information).

Transit accident insurance cover against specified accidental death or injury when sustained while riding, boarding or alighting as a passenger in a plane, bus, train or ferry when you have purchased the tickets for the entire trip using one of your American Express Westpac Altitude Black Bundle Cards.

Purchase security insurance4

The following is a summary only of the benefit available under the Purchase security insurance (Terms, conditions and exclusions apply.  Refer to the Westpac Credit Cards Complimentary Insurance Policy (PDF 297KB) and American Express Westpac Altitude Card Insurance Policy for further information).

4 months cover against loss, theft or accidental damage for a range of new personal items purchased in Australia and overseas using one of your American Express Westpac Altitude Black Bundle Cards.

Extended warranty insurance4

The following is a summary only of the benefit available under the Extended warranty insurance (Terms, conditions and exclusions apply.  Refer to the Westpac Credit Cards Complimentary Insurance Policy (PDF 297KB) and American Express Westpac Altitude Card Insurance Policy for further information).

Up to 24 months extended warranty insurance cover (in addition to the manufacturer's expressed Australian warranty) on a range of new personal items purchased using one of your American Express Westpac Altitude Black Bundle Cards.

Your Altitude Black Mastercard comes with a personal concierge service, which you can access through our app or the Altitude Black Card Priority Service line. The team is available to help you 24/7 with jobs such as booking a table at your favourite restaurant, organising flight tickets, finding a gift or locking in accommodation for your next getaway.

Fees payable to Westpac (these may change) Amount
Annual card fee

$250

Annual rewards program fee

Altitude Rewards: $0

Altitude Velocity: $50

Altitude Qantas: $50

Foreign transaction fee

3.0%

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
2.0% or $2.50, whichever is higher (max. $150). These charges will appear on your statement directly below the relevant cash advance.
Duplicate statement fee $2.00
Missed payment charge $15 each statement cycle that the minimum monthly payment is not paid by the statement due date.

Follow these tips to minimise credit card fees and charges.

Fees payable to American Express (these may change) Amount
Annual Card Fee $199
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

 

 

Not quite right?

Find out more about our other standalone or bundle Altitude cards:

Get up to 120,000 bonus Qantas Points

 Offer ends 15th October 2019. New cards only.

For this offer you'll receive:

  • 80,000 bonus Qantas Points when you apply, are approved and spend $4,000 on eligible purchases on the Mastercard within 90 days of card approval. ^
  • 40,000 bonus Qantas Points when you apply, are approved and spend $3,000 on eligible purchases on the new American Express Westpac Altitude Black Card within 90 days of Card approval. ~


Offer excludes customers who hold/held any Westpac Rewards credit card in the last 12 months.^

-Fees
-Cash or ATM cash advances
-Gambling transactions
-Payments to the Australian Tax Office
-BPAY ®  or similar transactions
-Refunds
-Balance transfers debited from the card account


The important numbers

Our American Express Westpac Altitude Card bundles consist of two cards, each with its own points earn rates, fees and interest rates.

The minimum income to apply for this bundle is $75,000.

Westpac Altitude Black Mastercard

Qantas Points earn rate on eligible purchases, uncapped6:
0.75 points per $1 spent in Australia and overseas

Annual Card fee: $250

Annual Altitude Qantas fee: $50

Variable purchase rate: 20.49% p.a.

Variable cash advance rate: 21.49% p.a.

Interest free days on purchases: Up to 45

Minimum credit limit: $15,000

 


Issued and serviced by Westpac

American Express Westpac Altitude Black Card

Qantas Points earn rate on eligible purchases, uncapped:

  • 1.25 points per $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.

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

 


Issued and serviced by American Express


Why choose this bundle with Qantas?

Up to 4 lounge passes each year3

Relax before you fly with 4 complimentary passes a year: 2 at the American Express International Airport Lounges, plus 2 at Qantas Club lounges. See FAQs below for details on how to redeem.

Complimentary insurance covers4

Complimentary cover for overseas travel, extended warranty, purchase security, transit accidents, subject to the terms and conditions set out in the Westpac Credit Cards Complimentary Insurance Policy and the American Express Westpac Altitude Card Insurance Policy.

24/7 personal concierge services

Have your own personal assistant on call 24/7, from anywhere in the world. They'll help you with anything from finding a restaurant to planning an event, only with the Westpac Altitude Black Mastercard.


Plus access to:

Amex Offers

Whether it's shopping, dining, travel or entertainment there's an Amex Offer with your name on it, only with an American Express Card.

American Express Invites

American Express Invites opens the door to access pre-sale tickets to some of your favourite artists and includes reserved seating offers, only with an American Express Card.

Westpac Extras

Westpac Extras includes great shopping cashback offers that work on top of any other discounts and rewards points. Simply use your Mastercard as normal and we'll credit your account. No codes, no coupons, all-easy.


Frequently asked questions
 

American Express Airport Lounge 

The American Express Westpac Altitude Black Card gives you 2 complimentary visits each year to the American Express Airport Lounge at Sydney or Melbourne International Airports. Simply present your card and boarding pass at either lounge to gain admission.

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.

Register your card at prioritypass.com/westpacblack

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 using your Altitude Black Mastercard each year from your card open date.3 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.

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.

Register and opt in 

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.*

As a current American Express Westpac Altitude Card Bundle cardholder, you are eligible for complimentary Overseas Travel Insurance cover, provided:

  1. You either permanently reside in Australia or hold a current and valid residency Visa and reside in Australia; and
  2. You spend at least $A500 on your prepaid travel costs (i.e. your travel costs that you pay for before leaving Australia) and you charge these costs to one of your American Express Westpac Altitude Bundle cards.  This could include return travel tickets, airport or departure taxes, overseas accommodation etc.; and
  3. You have a return overseas travel ticket before departing Australia; and
  4. You are not over 80 years of age when you first become eligible for this cover by meeting the above conditions. 


For full details on complimentary insurance, please see the Complimentary Insurance Policy PDF.

Westpac Credit Cards Complimentary Insurance Policy (PDF 297KB)

American Express Westpac Altitude Card Insurance Policy

Overseas travel insurance4 (see policy for details)

The following is a summary only of some of  the benefits available under the Overseas travel insurance (Terms, conditions and exclusions apply.  Refer to the Westpac Credit Cards Complimentary Insurance Policy (PDF 297KB)  and American Express Westpac Altitude Card Insurance Policy for further information).    

  • Medical and hospital expenses incurred overseas;
  • Loss or damage to personal property;
  • Loss or damage to travel documents;
  • Personal liability cover;
  • Rental vehicle excess cover for loss or damage to rental vehicle;
  • Unexpected cancellation of travel arrangements and other unexpected expenses.
Transit accident insurance4

The following is a summary only of the benefit available under the Transit accident insurance policy (Terms, conditions and exclusions apply.  Refer to the Westpac Credit Cards Complimentary Insurance Policy (PDF 297KB) and American Express Westpac Altitude Card Insurance Policy for further information).

Transit accident insurance cover against specified accidental death or injury when sustained while riding, boarding or alighting as a passenger in a plane, bus, train or ferry when you have purchased the tickets for the entire trip using one of your American Express Westpac Altitude Black Bundle Cards.

Purchase security insurance4

The following is a summary only of the benefit available under the Purchase security insurance (Terms, conditions and exclusions apply.  Refer to the Westpac Credit Cards Complimentary Insurance Policy (PDF 297KB) and American Express Westpac Altitude Card Insurance Policy for further information).

4 months cover against loss, theft or accidental damage for a range of new personal items purchased in Australia and overseas using one of your American Express Westpac Altitude Black Bundle Cards.

Extended warranty insurance4

The following is a summary only of the benefit available under the Extended warranty insurance (Terms, conditions and exclusions apply.  Refer to the Westpac Credit Cards Complimentary Insurance Policy (PDF 297KB) and American Express Westpac Altitude Card Insurance Policy for further information).

Up to 24 months extended warranty insurance cover (in addition to the manufacturer's expressed Australian warranty) on a range of new personal items purchased using one of your American Express Westpac Altitude Black Bundle Cards.

Your Altitude Black Mastercard comes with a personal concierge service, which you can access through our app or the Altitude Black Card Priority Service line. The team is available to help you 24/7 with jobs such as booking a table at your favourite restaurant, organising flight tickets, finding a gift or locking in accommodation for your next getaway.

Fees payable to Westpac (these may change) Amount
Annual card fee

$250

Annual rewards program fee

Altitude Rewards: $0

Altitude Velocity: $50

Altitude Qantas: $50

Foreign transaction fee

3.0%

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
2.0% or $2.50, whichever is higher (max. $150). These charges will appear on your statement directly below the relevant cash advance.
Duplicate statement fee $2.00
Missed payment charge $15 each statement cycle that the minimum monthly payment is not paid by the statement due date.

Follow these tips to minimise credit card fees and charges.

Fees payable to American Express (these may change) Amount
Annual Card Fee $199
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

 

 

Not quite right?

Find out more about our other standalone or bundle Altitude cards:

Things you should know

Westpac Credit Cards Key Facts Sheet

The American Express Westpac Altitude Card Key Fact Sheet

Consumer Credit Cards - Conditions of Use (PDF 288KB)

   

Westpac Extras Terms and Conditions (PDF 1MB)

Good news! From 15 October 2019, there are exciting, new enhanced benefits being added to the Westpac Altitude Black & Altitude Platinum Mastercard. If you apply and are approved for this product, these new enhanced benefits will be available on the card account from this date.

Credit criteria, fees and charges apply. Offers are not available in conjunction with any special offers that are not listed on www.westpac.com.au. Switches, upgrades or Westpac group staff are ineligible on Westpac issued cards. Offer may be withdrawn or extended at any time.

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.

Westpac is the credit provider and credit licensee under National Consumer Credit Laws.

Westpac credit cards are part of the Westpac Group, including St.George, Bank of Melbourne, BankSA and Westpac.

Mastercard® is a registered trademark, and the circles design and Tap & go are trademarks of Mastercard International Incorporated.

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.

Altitude Rewards: You must be a member of the relevant frequent flyer program to redeem Altitude Points for frequent flyer points. The Altitude Rewards Terms and Conditions and the terms and conditions of the relevant frequent flyer program apply. A joining fee may apply. Availability of Reward flights may be limited. For more information on the Altitude Rewards program, visit altituderewards.com.au.

Altitude Velocity: In order to earn and redeem points, you must be a member of the Velocity Frequent Flyer program. An annual $50 Velocity Rewards fee applies for customers who choose to earn Velocity Points through the Altitude Velocity rewards program. 

Altitude Qantas: In order to earn and redeem points, you must be a member of the Qantas Frequent Flyer program. An annual $50 Qantas Rewards fee applies for customers who choose to earn Qantas Points through Altitude Qantas rewards program.


Westpac Altitude Platinum Mastercard

^Bonus Rewards Points Promotion for Westpac Altitude Cards: The respective bonus points promotion is available when you apply and are approved for a new Altitude Platinum or Altitude Black card between 17th June 2019 and 15th October 2019 and spend the minimum amount of $4,000 on eligible purchases on an Altitude Black card or $3,000 on eligible purchases on an Altitude Platinum card within 90 days from card approval in one or more transactions.
Eligible purchases do not include fees, cash, cash equivalent transactions, payments to the Australian Tax Office, BPAY, BPAY equivalent transaction, refunds and balance transfers debited from the card account. The bonus Altitude Points, Qantas Points or Velocity Points will be added to your points balance within 12 weeks once you meet the eligible spend criteria. Existing Westpac customers who currently hold an Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months, are not eligible for this offer. Qantas or Velocity Points earned during a statement cycle are added to your Qantas or Velocity Points balance on a monthly basis.

* Economy X Seat Upgrade Vouchers Two complimentary Economy X Seat Upgrade Vouchers (for eligible domestic flights only) are available to Westpac Altitude Platinum Mastercard and Westpac Altitude Black Mastercard primary cardholders earning Velocity Points through the Altitude Velocity rewards program. To be eligible, your card account must not be in arrears for more than two consecutive statement cycles in accordance with the Altitude Terms and Conditions, you must have provided Westpac with your Velocity Frequent Flyer number and you have made a direct spend with Virgin Australia on your Altitude Platinum Mastercard or Altitude Black Mastercard every year from card open date. Economy X Seat Upgrade Vouchers are valid for 12 months from date of issuance and will appear on your Velocity Frequent Flyer membership account within 10 business days of meeting eligible spend. Economy X Seat Upgrades are available to other passengers travelling on the same itinerary with the primary cardholder. To redeem, book an eligible domestic flight on your Altitude Platinum Mastercard or Altitude Black Mastercard, then call the Virgin Australia Guest Contact Centre on 1300 038 373 at least 24 hours prior to your flight to apply your Economy X Seat Upgrade Vouchers. You can find out if your flight is eligible by calling Virgin Australia on 1300 038 373.

Voucher benefits cannot be carried forward to any subsequent year. Each Economy X Seat Upgrade Voucher can only be redeemed on an eligible non-stop Virgin Australia operated domestic Australian flight. The Economy X Upgrade Voucher is valid per single flight sector only. The flight on which the Economy X Seat Upgrade Voucher is redeemed may be part of a multi-flight itinerary but the Economy X Seat Upgrade Voucher can be applied to only one flight sector. All Economy X Seat Upgrade Voucher redemptions are subject to availability and neither Virgin Australia nor Westpac guarantee that Economy X seats will be available on the flight you may wish to redeem on. Economy X seat availability may be limited to certain dates and/or flights and it may be more difficult to book seats around public holidays, school holidays or special events. All travel is subject to the Virgin Australia Fare Conditions and Virgin Australia Conditions of Carriage as amended from time to time. No Velocity Points or Status Credits will be awarded for Economy X Seat Upgrade Voucher redemptions. 

Economy X Seat Upgrade Voucher redemption is subject to the Westpac Altitude Velocity Platinum Mastercard and Westpac Altitude Velocity Black Mastercard Economy X Seat Upgrade Voucher Conditions. All travel is subject to the Economy X Standard Terms and Conditions.

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/terms.

6. Rewards Points: The earning and redemption of Altitude Points, Qantas Points and Velocity Points is 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. For example: payments to the Australian Taxation Office, cash advances, BPAY and BPAY equivalent transactions do not earn Reward Points. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances.

4. 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 Westpac cardholders to claim under it as third party beneficiaries. 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 Westpac Credit Cards Complimentary Insurance Policy (PDF 297KB) which may be amended from time to time. Westpac does not guarantee this insurance.

Concierge Services: Concierge Services are subject to the Westpac Rewards Credit Cards Concierge Service Terms and Conditions (PDF 67KB).

American Express Westpac Altitude Black Card

~ Bonus Rewards points for American Express Westpac Altitude Cards: Offer only available to Westpac Altitude cardholders who apply online for the new American Express Westpac Altitude Card between 17th June 2019 and 15th October 2019, are approved and spend $3,000 on eligible purchases on their new Card within 90 days of Card approval date. 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.

5. Velocity Status Credits: Receive 25 Velocity Status Credits when you opt in to earn Velocity Points, and spend a minimum of $3,000 on eligible purchases on your American Express Westpac Altitude Black Card within 90 days of Card approval. The Status Credits will be added to your Velocity account within 6 to 8 weeks once you meet the eligible spend criteria. 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. Velocity Membership Terms and Conditions apply, please visit velocityfrequentflyer.com for more information. 

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. 

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.

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 velocityfrequentflyer.com/termsandconditions. 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.

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.

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/terms.

4. 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.


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