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Help takes your rewards to new heights

Offer ends 5 September 2018. One application, two great Rewards cards.

Receive 80,000 bonus Qantas Points

When you apply, are approved and spend $3,000 on eligible purchases on your new Westpac Altitude Black Mastercard® within 90 days of Card approval.#

plus

Receive 40,000 bonus Qantas Points

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.^

Westpac Altitude Black Mastercard®

  • Variable purchase rate: 20.24% p.a.
  • Variable cash advance rate: 20.74% p.a.
  • Annual Card fee: $0 annual card fee for the first year, $250 thereafter* (plus $0 Qantas Rewards fee for the first year, $50 thereafter for customers who choose to earn Qantas Points through the Altitude Qantas rewards program).

American Express Westpac Altitude Black Card

  • Interest Rate on purchases: 20.24% p.a.
  • Cash advance rate: Cash advances are not available
  • Annual Card fee: $0 for the first year when you apply by 5 September
    2018. $199 thereafter.**

A breakdown of how you'll earn points

Earn Qantas Points for every $1 spent on eligible purchases.

Altitude Qantas

Redeem points for flights with Qantas and for merchandise and gift cards through the Qantas store.
Plus earn 1 additional Qantas Point for every $1 spent on selected Qantas products and services in Australia.

American Express® Westpac Altitude Black Card
  • 2 Qantas Points for every $1 spent on eligible purchases in foreign currency,
  • 1.25 Qantas Points for every $1 spent on eligible purchases in Australia,
  • 0.5 Qantas Point for every $1 spent at government bodies in Australia such as Australia Post & the Australian Taxation Office.
Westpac Altitude Black Mastercard
  • 0.75 Qantas Points for every $1 spent on eligible purchases.

 


The best parts of Altitude Black

Uncapped points

There is no limit to the amount of points you can earn with Altitude Qantas.

Complimentary insurance cover

Benefit from a range of complimentary insurances on both the Westpac Altitude Black Mastercard and the American Express Westpac Altitude Black Card, including cover for overseas travel, transit accident, purchase security and extended warranty.


More great reasons to choose Altitude Black

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.

American Express Lounge Access

Enjoy two complimentary passes each year to the American Express Airport Lounge  at either Sydney or Melbourne International Airports.

Two complimentary Qantas lounge passes

If you choose Altitude Qantas, you are eligible for two complimentary Qantas Lounge invitations per year after your first Altitude Black Mastercard spend on selected Qantas products and services. To take advantage you must register and opt in.

Register your Altitude Black World Mastercard and opt in


Things you should know

Consumer Credit Cards - Conditions of Use (PDF 280KB)

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. Offer may be withdrawn or extended at any time. Terms and conditions available on request.

The bonus points, first year annual card fee waiver, and first year Qantas Rewards fee waiver is available to customers who apply via this website (offer not available in branch or call centres) and are approved for a new American Express Westpac Altitude Black Card bundle between 16 July 2018 and 5 September 2018.

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.

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.

Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.

Westpac Altitude Black Mastercard®

#Westpac Altitude Black Mastercard bonus points promotion: When you apply and are approved for a new Westpac Altitude Black Card between 16 July 2018 and 5 September 2018, and spend the minimum amount of $3,000 on eligible purchases on the Westpac Altitude Black Card within 90 days of Card approval in one or more transactions. Eligible purchases do not include fees, cash, cash equivalent transactions, BPAY, BPAY equivalent transaction, refunds and balance transfers debited from the card account. The bonus Qantas 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 Altitude Platinum Visa Card or Altitude Black Mastercard, or who have held one in the last 12 months, are not eligible for this offer. Qantas Points earned during a statement cycle are added to your Qantas Points balance on a monthly basis.

*Annual Card fee Waiver: $0 first year Annual Card fee promotion. The first year $0 Annual Card fee waiver, plus $0 Qantas Rewards fee for the first year (for customers who choose to earn Qantas Points through the Altitude Qantas rewards program) is available when you apply for a new Westpac Altitude Black Card between 16 July 2018 and 5 September 2018. The first Annual Card fee of $250, plus $50 Qantas Rewards Fee (for customers who choose to earn Qantas Points through Altitude Qantas rewards program) will be debited on the 12 month anniversary of the first transaction (including balance transfers) on your account and annually thereafter.

Rewards Points on the Westpac Altitude Black Mastercard: The earning and redemption of Qantas Points is subject to the Altitude Qantas Terms and Conditions. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances. You do not earn Qantas Points on payments to the Australian Taxation Office.

Qantas Club Lounge Invitations: To be eligible for the two complimentary Qantas Club Lounge invitations, you must register at loungepass.altitudeblack.com.au and then use your Altitude Black Mastercard in Australia to purchase selected Qantas products and services. Selected Qantas products and services are the following items purchased directly from Qantas: Qantas passenger flights (with a QF flight number), Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar, Qantas Holidays, Qantas branded non-airfare products and any Qantas products and services not purchased directly from Qantas. Each year you will receive two complimentary lounge invitations once you have made the required spend on selected Qantas products and services.

Qantas Club Lounge Invitations are provided courtesy of Westpac, and are valid for Qantas Club and Qantas operated International Business Lounges only. Not valid in International First Class lounges, Chairman's Lounge, Qantas Domestic Business, Qantas oneworld® alliance airline, partner airline of associated lounges. Each invitation is valid for a single visit before the date specified on the invitation, when travelling with Qantas or Jetstar with a QF or JQ flight number. Access and use is subject to Qantas Club rules.

The two Qantas Club Lounge invitations will be sent to your card account mailing address within 4 weeks of your eligible card spend, provided you are not in breach of the Conditions of Use and your account remains open. The two Qantas Club Lounge invitations will expire on the date printed on the invitations. Qantas Club Lounge invitations will not be issued to customers who do not first register at loungepass.altitudeblack.com.au prior to making the eligible card spend.

Complimentary insurance covers on the Westpac Altitude Black Mastercard: AWP Australia Pty Ltd, ABN 52 097 227 177, AFSL 245631, of 74 High Street, Toowong, QLD 4066 (trading as Allianz Global Assistance) under a binder from the underwriter, 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), of 275 Kent Street, Sydney, NSW 2000 which allows eligible Westpac account holders and cardholders to claim under it as third party beneficiaries. The terms, conditions, limits and exclusions of the group policy are set out in the Westpac Credit Cards Complimentary Insurance Policy which may be amended from time to time. Westpac does not guarantee the insurance. You can get a copy of the policy booklet by downloading the Westpac Credit Cards Complimentary Insurance Policy (PDF 316KB).

World Mastercard®, Mastercard® and the Mastercard brand mark are registered trademarks, and PayPass is a trademark of Mastercard International Incorporated.

American Express® Westpac Altitude Black Card

Fees or charges in relation to this Card are only payable to American Express, not Westpac.

^American Express Westpac Altitude Black Card bonus points promotion: Offer only available to Cardholders who apply online for the new American Express Westpac Altitude Black Card between 16 July 2018 and 5 September 2018, are approved and spend $3,000 on eligible purchases on their new Card within 90 days of Card approval. 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 Qantas 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.

**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. Offer only available to new American Express Westpac Altitude Black Card Members who apply between 16 July 2018 and 5 September 2018 and are approved.

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 americanexpress.com/australia/altitude-points-t&c. 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/terms.

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.

Complimentary insurance covers on the American Express Westpac Altitude Black Card: The American Express Westpac Altitude Card insurance is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits) - see the full Terms and Conditions. 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.  AWP Australia Pty Ltd ABN 52 097 227 177, AFSL 245631 (trading as Allianz Global Assistance) under a binder from the underwriter,  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). This communication does not take into account your objectives or financial situation.

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