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American Express® Westpac Altitude Card bundle

One simple application, two great rewards cards

How to build your bundle

Step 1: Select your rewards program.

Step 2: Select your Westpac Altitude Card.

Step 3: Select your American Express Westpac Altitude Card.


Step 1 of 3: Select your preferred rewards program

Earn Altitude Points fast

  Altitude Platinum Mastercard®
Altitude Black Mastercard
Altitude Points per $1 spent on eligible
purchases
1 1.25
  American Express® Westpac Altitude Platinum Card American Express® Westpac Altitude Black Card
Altitude Points per $1 spent on eligible purchases in foreign currency 3 5
Altitude Points per $1 spent on eligible purchases in Australia 2 3

Redeem your points for a wide range of rewards

Rewards including:
  • Gift cards, cashback, homewares, technology and holidays, plus
  • Frequent Flyer Points with 5 different programs:
    • Velocity (Virgin Australia)
    • KrisFlyer (Singapore Airlines)
    • Airpoints (Air New Zealand)
    • Asia Miles (Cathay Pacific)
    • Enrich (Malaysia Airlines)

Earn Qantas Points fast

  Altitude Platinum Mastercard®
Altitude Black Mastercard
Qantas Points per $1 spent on eligible
purchases
0.5
0.75
  American Express® Westpac Altitude Platinum Card American Express® Westpac Altitude Black Card
Qantas Points per $1 spent on eligible purchases in foreign currency 1.5 2
Qantas Points per $1 spent on eligible purchases in Australia 1 1.25

Redeem your points for a wide range of rewards

Rewards including:
  • Reward flights with Qantas and partner airlines
  • Flight upgrade reward on eligible Qantas domestic and international flights
  • A range of merchandise and gift cards from the online Qantas Store

Step 2 of 3: Choose your Westpac Altitude card

Complimentary insurances

Your Altitude Platinum Mastercard® features a range of complimentary insurance covers as set out in the Westpac Credit Cards Complimentary Insurance Policy (PDF 764KB).

Overseas travel insurance

For overseas trips up to 3 months, overseas travel insurance includes cover for:

  • Specified medical expenses incurred overseas
  • Loss or damage to personal property and travel documents
  • Personal liability cover
  • Rental vehicle excess cover as specified in the policy for loss or damage to rental vehicle.

You, your spouse and your dependent children could be automatically covered for Complimentary Overseas Travel Insurance on your journey, if each of you meets the eligibility criteria, including pre-paid travel costs using your credit card. See Policy (PDF 764KB) for eligibility criteria and full terms and conditions.

Transit accident insurance

Up to $250,000 transit accident insurance cover against specified accidental death or injury when sustained while riding as a passenger in a plane, bus, train or ferry when you have purchased the tickets for the journey using your Altitude Platinum Mastercard before you leave.

Purchase security insurance

Enjoy 3 months cover against loss, theft or accidental damage for a range of personal items purchased in Australia and overseas, provided the item is purchased using your Altitude Platinum Mastercard.

Extended warranty insurance

Up to 12 months extended warranty insurance cover (in addition to the manufacturer's expressed Australian warranty) on a range of personal items purchased using your Altitude Platinum Mastercard.

For more information about our complimentary insurance covers (including information about terms, conditions, exclusions and any applicable excess), refer to the Westpac Credit Cards Complimentary Insurance Policy (PDF 764KB).

24/7 personal concierge services

Dedicated Westpac Concierge services are on call 24/7 to fulfil your requests, from restaurant bookings and party planning, to tickets to your favourite game.

More reasons to choose a Westpac credit card

  • Additional cardholder at no extra cost
  • Plan repayments to manage your credit card balance with SmartPlan
  • See your rewards points and card balance at a glance with Quick Balance
  • Take the hassle out of cancelling a card you later find, by placing a temporary lock on it in seconds
  • Westpac Added Online Security provides extra peace of mind when shopping online at participating retailers
  • Feel secure, with our Fraud Money Back Guarantee
Fees (these may change) Amount
Annual card fee $0 in the first year ($150 annually thereafter)+
Foreign transaction fee A Foreign Transaction Fee is payable as a percentage of the Australian dollar value of any Foreign Transaction. The percentage will vary depending on the applicable credit card scheme:
  1. Transactions in foreign currency
    • Mastercard®: 3.0%
  2. Transactions in Australian dollars and the merchant or financial institution accepting the card is located overseas:
    • Mastercard: 3.0%

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 advances/withdrawal fee An administrative charge of 2% of the value of the transaction will apply to each cash advance made on your card account, where your account has a negative (debit) balance after the transaction has been posted to it. A minimum charge of $2.50 and a maximum charge of $150 will apply. Where your account has a positive (credit) balance after the transaction has been posted to it, only a charge of $2.50 will apply. These charges will appear on your credit card statement directly below the relevant cash advance.
Missed payment charge $15 may be payable each statement cycle that the whole of the minimum monthly payment is not paid by the statement due date. If charged, the Missed Payment Charge will be debited to your account.
Over-limit fee If your card account was opened before 4 June 2012, a fee of $15 may be debited from your credit card account every time you exceed your credit limit during a statement cycle. It is debited from your account in that statement cycle, on or after the day(s) your credit limit is exceeded. This fee may also be charged whenever your account is over limit at the commencement of a statement cycle.
Duplicate statement fee $2.00 may be debited from your credit card account if you, or an additional cardholder, order a copy of a statement that has already been issued for your account. This fee is debited from your account on or after the day you order the duplicate statement.
Non-Westpac Group ATM fee Although not a Westpac fee, using your card in a non-Westpac Group ATM may result in a charge to you. Avoid this fee by using one of Westpac’s extensive network of 2,900 ATMS across Australia (including any St.George, BankSA and Bank of Melbourne ATMs). Find a Westpac Group ATM.
Credit card surcharge In some instances, businesses may administer a ‘surcharge’ for credit card payments. Usually, these are a percentage fee of your purchase amount. Ask the merchant if a surcharge applies and how much it is before paying if you’re unsure.
Transaction Interest rates
Purchases 20.49% p.a. (variable)
Cash advances 21.49% p.a. (variable)

Interest free days on purchases

Up to 45 days 

Complimentary Airport Lounge Visits

Receive two complimentary visits to Priority Pass lounges each year to use at over 1000 VIP airport lounges worldwide.

Register your card at altitudeblack.com.au.

Complimentary insurances

Your Altitude Black Mastercard® features a range of complimentary insurance covers as set out in the Westpac Credit Cards Complimentary Insurance Policy (PDF 764KB).

Overseas travel insurance

For overseas trips up to 6 months, overseas travel insurance includes cover for:

  • Specified medical expenses incurred overseas
  • Loss or damage to personal property and travel documents
  • Personal liability cover
  • Rental vehicle excess cover as specified in the policy for loss or damage to rental vehicle.

You, your spouse and your dependent children could be automatically covered for Complimentary Overseas Travel Insurance on your journey, if each of you meets the eligibility criteria, including pre-paid travel costs using your credit card. See the Policy (PDF 764KB) for eligibility criteria and full terms and conditions.

Transit accident insurance

Up to $750,000 transit accident insurance cover against specified accidental death or injury when sustained while riding as a passenger in a plane, bus, train or ferry when you have purchased the tickets for the journey using your Altitude Black Mastercard before you leave.

Purchase security insurance

4 months cover against loss, theft or accidental damage for a range of personal items purchased in Australia and overseas provided the item is purchased using your Altitude Black Mastercard.

Extended warranty insurance

Up to 24 months extended warranty insurance cover (in addition to the manufacturer's expressed Australian warranty) on a range of personal items purchased using your Altitude Black Mastercard.

Interstate flight inconvenience insurance

Cover for delays, loss or damage to personal items and cancellation of domestic travel arrangements, whilst you are on an interstate Australian holiday of up to 14 days when you purchase the entire cost of your return interstate flight fare using your Altitude Black Mastercard.

Rental vehicle excess insurance in Australia

Be reimbursed up to A$5,500 for any insurance excess you may incur on a rental vehicle insurance policy in Australia

For more information about our complimentary insurance covers (including information about terms, conditions, exclusions and any applicable excess), refer to the Westpac Credit Cards Complimentary Insurance Policy (PDF 764KB).

24/7 personal concierge services

Dedicated Westpac Concierge services are on call 24/7 to fulfil your requests, from restaurant bookings and party planning, to tickets to your favourite game.

More reasons to choose a Westpac credit card

  • Additional cardholder at no extra cost
  • Help pay down your credit card balance with SmartPlan
  • See your rewards points and card balance at a glance with Quick Balance
  • Take the hassle out of cancelling a card you later find, by placing a temporary lock on it in seconds
  • Westpac Added Online Security provides extra peace of mind when shopping online at participating retailers
  • Feel secure, with our Fraud Money Back Guarantee
Fees (these may change) Amount
Annual card fee $250
Foreign transaction fee A Foreign Transaction Fee is payable as a percentage of the Australian dollar value of any Foreign Transaction. The percentage will vary depending on the applicable credit card scheme:
  1. Transactions in foreign currency
    • Mastercard: 3.0%
  2. Transactions in Australian dollars and the merchant or financial institution accepting the card is located overseas:
    • Mastercard: 3.0%

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 advances/withdrawal fee An administrative charge of 2% of the value of the transaction will apply to each cash advance made on your card account, where your account has a negative (debit) balance after the transaction has been posted to it. A minimum charge of $2.50 and a maximum charge of $150 will apply. Where your account has a positive (credit) balance after the transaction has been posted to it, only a charge of $2.50 will apply. These charges will appear on your credit card statement directly below the relevant cash advance.
Missed payment charge $15 may be payable each statement cycle that the whole of the minimum monthly payment is not paid by the statement due date. If charged, the Missed Payment Charge will be debited to your account.
Over-limit fee If your card account was opened before 4 June 2012, a fee of $15 may be debited from your credit card account every time you exceed your credit limit during a statement cycle. It is debited from your account in that statement cycle, on or after the day(s) your credit limit is exceeded. This fee may also be charged whenever your account is over limit at the commencement of a statement cycle.
Duplicate statement fee $2.00 may be debited from your credit card account if you, or an additional cardholder, order a copy of a statement that has already been issued for your account. This fee is debited from your account on or after the day you order the duplicate statement.
Non-Westpac Group ATM fee Although not a Westpac fee, using your card in a non-Westpac Group ATM may result in a charge to you. Avoid this fee by using one of Westpac’s extensive network of 2,900 ATMS across Australia (including any St.George, BankSA and Bank of Melbourne ATMs). Find a Westpac Group ATM.
Credit card surcharge In some instances, businesses may administer a ‘surcharge’ for credit card payments. Usually, these are a percentage fee of your purchase amount. Ask the merchant if a surcharge applies and how much it is before paying if you’re unsure.
Transaction Interest rates
Purchases 20.49% p.a. (variable)
Cash advances 21.49% p.a. (variable)

Interest free days on purchases

Up to 45 days 

Step 2 of 3: Choose your Westpac Altitude card

Complimentary insurances

Your Altitude Platinum Mastercard® card features a range of complimentary insurance covers as set out in the Westpac Credit Cards Complimentary Insurance Policy (PDF 764KB).

Overseas travel insurance

For overseas trips up to 3 months, overseas travel insurance includes cover for:

  • Specified medical expenses incurred overseas
  • Loss or damage to personal property and travel documents
  • Personal liability cover
  • Rental vehicle excess cover as specified in the policy for loss or damage to rental vehicle.

You, your spouse and your dependent children could be automatically covered for Complimentary Overseas Travel Insurance on your journey, if each of you meets the eligibility criteria, including pre-paid travel costs using your credit card. See Policy (PDF 764KB) for eligibility criteria and full terms and conditions.

Transit accident insurance

Up to $250,000 transit accident insurance cover against specified accidental death or injury when sustained while riding as a passenger in a plane, bus, train or ferry when you have purchased the tickets for the journey using your Altitude Platinum Mastercard before you leave.

Purchase security insurance

Enjoy 3 months cover against loss, theft or accidental damage for a range of personal items purchased in Australia and overseas, provided the item is purchased using your Altitude Platinum Mastercard.

Extended warranty insurance

Up to 12 months extended warranty insurance cover (in addition to the manufacturer's expressed Australian warranty) on a range of personal items purchased using your Altitude Platinum Mastercard.

For more information about our complimentary insurance covers (including information about terms, conditions, exclusions and any applicable excess), refer to the Westpac Credit Cards Complimentary Insurance Policy (PDF 764KB).

24/7 personal concierge services

Dedicated Westpac Concierge services are on call 24/7 to fulfil your requests, from restaurant bookings and party planning, to tickets to your favourite game.

More reasons to choose a Westpac credit card

  • Additional cardholder at no extra cost
  • Plan repayments to manage your credit card balance with SmartPlan
  • See your rewards points and card balance at a glance with Quick Balance
  • Take the hassle out of cancelling a card you later find, by placing a temporary lock on it in seconds
  • Westpac Added Online Security provides extra peace of mind when shopping online at participating retailers
  • Feel secure, with our Fraud Money Back Guarantee
Fees (these may change) Amount
Annual card fee $0 in the first year ($150 annually thereafter)+
Qantas Rewards Fee

$50 (Altitude Qantas only)

Applies annually for customers who choose to earn Qantas Points through the Altitude Qantas rewards program.

Foreign transaction fee A Foreign Transaction Fee is payable as a percentage of the Australian dollar value of any Foreign Transaction. The percentage will vary depending on the applicable credit card scheme:
  1. Transactions in foreign currency
    • Mastercard®: 3.0%
  2. Transactions in Australian dollars and the merchant or financial institution accepting the card is located overseas:
    • Mastercard: 3.0%

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 advances/withdrawal fee An administrative charge of 2% of the value of the transaction will apply to each cash advance made on your card account, where your account has a negative (debit) balance after the transaction has been posted to it. A minimum charge of $2.50 and a maximum charge of $150 will apply. Where your account has a positive (credit) balance after the transaction has been posted to it, only a charge of $2.50 will apply. These charges will appear on your credit card statement directly below the relevant cash advance.
Missed payment charge $15 may be payable each statement cycle that the whole of the minimum monthly payment is not paid by the statement due date. If charged, the Missed Payment Charge will be debited to your account.
Over-limit fee If your card account was opened before 4 June 2012, a fee of $15 may be debited from your credit card account every time you exceed your credit limit during a statement cycle. It is debited from your account in that statement cycle, on or after the day(s) your credit limit is exceeded. This fee may also be charged whenever your account is over limit at the commencement of a statement cycle.
Duplicate statement fee $2.00 may be debited from your credit card account if you, or an additional cardholder, order a copy of a statement that has already been issued for your account. This fee is debited from your account on or after the day you order the duplicate statement.
Non-Westpac Group ATM fee Although not a Westpac fee, using your card in a non-Westpac Group ATM may result in a charge to you. Avoid this fee by using one of Westpac’s extensive network of 2,900 ATMS across Australia (including any St.George, BankSA and Bank of Melbourne ATMs). Find a Westpac Group ATM.
Credit card surcharge In some instances, businesses may administer a ‘surcharge’ for credit card payments. Usually, these are a percentage fee of your purchase amount. Ask the merchant if a surcharge applies and how much it is before paying if you’re unsure.
Transaction Interest rates
Purchases 20.49% p.a. (variable)
Cash advances 21.49% p.a. (variable)

Interest free days on purchases

Up to 45 days 

Complimentary Airport Lounge Visits

You are eligible for two complimentary Qantas Lounge invitations per year after your first Altitude Black Card spend on selected Qantas products and services. To take advantage you must first register.

Register your card at altitudeblack.com.au.

Complimentary insurances

Your Altitude Black Mastercard® features a range of complimentary insurance covers as set out in the Westpac Credit Cards Complimentary Insurance Policy (PDF 764KB).

Overseas travel insurance

For overseas trips up to 6 months, overseas travel insurance includes cover for:

  • Specified medical expenses incurred overseas
  • Loss or damage to personal property and travel documents
  • Personal liability cover
  • Rental vehicle excess cover as specified in the policy for loss or damage to rental vehicle.

You, your spouse and your dependent children could be automatically covered for Complimentary Overseas Travel Insurance on your journey, if each of you meets the eligibility criteria, including pre-paid travel costs using your credit card. See the Policy (PDF 764KB) for eligibility criteria and full terms and conditions.

Transit accident insurance

Up to $750,000 transit accident insurance cover against specified accidental death or injury when sustained while riding as a passenger in a plane, bus, train or ferry when you have purchased the tickets for the journey using your Altitude Black Mastercard before you leave.

Purchase security insurance

4 months cover against loss, theft or accidental damage for a range of personal items purchased in Australia and overseas provided the item is purchased using your Altitude Black Mastercard.

Extended warranty insurance

Up to 24 months extended warranty insurance cover (in addition to the manufacturer's expressed Australian warranty) on a range of personal items purchased using your Altitude Black Mastercard.

Interstate flight inconvenience insurance

Cover for delays, loss or damage to personal items and cancellation of domestic travel arrangements, whilst you are on an interstate Australian holiday of up to 14 days when you purchase the entire cost of your return interstate flight fare using your Altitude Black Mastercard.

Rental vehicle excess insurance in Australia

Be reimbursed up to A$5,500 for any insurance excess you may incur on a rental vehicle insurance policy in Australia

For more information about our complimentary insurance covers (including information about terms, conditions, exclusions and any applicable excess), refer to the Westpac Credit Cards Complimentary Insurance Policy (PDF 764KB).

24/7 personal concierge services

Dedicated Westpac Concierge services are on call 24/7 to fulfil your requests, from restaurant bookings and party planning, to tickets to your favourite game.

More reasons to choose a Westpac credit card
  • Additional cardholder at no extra cost
  • Help pay down your credit card balance with SmartPlan
  • See your rewards points and card balance at a glance with Quick Balance
  • Take the hassle out of cancelling a card you later find, by placing a temporary lock on it in seconds
  • Westpac Added Online Security provides extra peace of mind when shopping online at participating retailers
  • Feel secure, with our Fraud Money Back Guarantee
Fees (these may change) Amount
Annual card fee $250
Qantas Rewards Fee

$50 (Altitude Qantas only)

Applies annually for customers who choose to earn Qantas Points through the Altitude Qantas rewards program.

Foreign transaction fee A Foreign Transaction Fee is payable as a percentage of the Australian dollar value of any Foreign Transaction. The percentage will vary depending on the applicable credit card scheme:
  1. Transactions in foreign currency
    • Mastercard®: 3.0%
  2. Transactions in Australian dollars and the merchant or financial institution accepting the card is located overseas:
    • Mastercard: 3.0%

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 advances/withdrawal fee An administrative charge of 2% of the value of the transaction will apply to each cash advance made on your card account, where your account has a negative (debit) balance after the transaction has been posted to it. A minimum charge of $2.50 and a maximum charge of $150 will apply. Where your account has a positive (credit) balance after the transaction has been posted to it, only a charge of $2.50 will apply. These charges will appear on your credit card statement directly below the relevant cash advance.
Missed payment charge $15 may be payable each statement cycle that the whole of the minimum monthly payment is not paid by the statement due date. If charged, the Missed Payment Charge will be debited to your account.
Over-limit fee If your card account was opened before 4 June 2012, a fee of $15 may be debited from your credit card account every time you exceed your credit limit during a statement cycle. It is debited from your account in that statement cycle, on or after the day(s) your credit limit is exceeded. This fee may also be charged whenever your account is over limit at the commencement of a statement cycle.
Duplicate statement fee $2.00 may be debited from your credit card account if you, or an additional cardholder, order a copy of a statement that has already been issued for your account. This fee is debited from your account on or after the day you order the duplicate statement.
Non-Westpac Group ATM fee Although not a Westpac fee, using your card in a non-Westpac Group ATM may result in a charge to you. Avoid this fee by using one of Westpac’s extensive network of 2,900 ATMS across Australia (including any St.George, BankSA and Bank of Melbourne ATMs). Find a Westpac Group ATM.
Credit card surcharge In some instances, businesses may administer a ‘surcharge’ for credit card payments. Usually, these are a percentage fee of your purchase amount. Ask the merchant if a surcharge applies and how much it is before paying if you’re unsure.
Transaction Interest rates
Purchases 20.49% p.a. (variable)
Cash advances 21.49% p.a. (variable)

Interest free days on purchases

Up to 45 days 

Step 3 of 3: Choose your American Express Westpac Altitude Card

Complimentary insurances

Your American Express Westpac Altitude Platinum Card features a range of complimentary insurance covers as set out in the American Express Westpac Altitude Card Insurance Policy.

Overseas travel insurance

For overseas trips up to 3 months, overseas travel insurance includes cover for:

  • Specified medical expenses incurred overseas
  • Loss or damage to personal property and travel documents
  • Personal liability cover
  • Rental vehicle excess cover as specified in the policy for loss or damage to rental vehicle.

You, your spouse and your dependent children could be automatically covered for Complimentary Overseas Travel Insurance on your journey, if each of you meets the eligibility criteria, including pre-paid travel costs using your credit card. See the Policy for eligibility criteria and full terms and conditions.

Transit accident insurance

Up to $250,000 transit accident insurance cover against specified accidental death or injury when sustained while riding as a passenger in a plane, bus, train or ferry when you have purchased the tickets for the journey using your American Express Westpac Altitude Platinum Card before you leave.

Purchase security insurance

3 months cover against loss, theft or accidental damage for a range of personal items purchased in Australia and overseas provided the item is purchased using your American Express Westpac Altitude Platinum Card.

Extended warranty insurance

Up to 12 months extended warranty insurance cover (in addition to the manufacturer's expressed Australian warranty) on a range of personal items purchased using your American Express Westpac Altitude Platinum Card.

For more information about our complimentary insurance covers (including information about terms, conditions, exclusions and any applicable excess), refer to the American Express Westpac Altitude Card Insurance Policy.

More reasons to choose the American Express Westpac Altitude Platinum Card

  • $0 annual Card fee for up to 4 additional Card Members
  • Explore Amex Offers and view your transactions at a glance with the American Express Mobile App
  • No matter where you are in the world, American Express is there 24/7 – just call the number on the back of your Card
  • American Express Safekey provides extra peace of mind when shopping online at participating retailers
  • Feel secure, with the American Express Fraud Protection Guarantee.
Fees payable to American Express (these may change)
Amount
Annual Card fee $49
Additional Card Fee
$0
Currency Conversion Fee
3% of the converted amount
Late Payment Fee
$30

Additional Statement Fee

Payable if you or your additional Card Member request a copy of an additional posted monthly paper statement. 

$10
Dishonour fee
$6 for each dishonour or debit rejection

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

Over the Counter fee

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

$3
Transaction Interest rates
Purchases 20.24% p.a.
Cash advances Cash advances not available

Interest free days on purchases

Up to 45 days 

Complimentary Airport Lounge Visits

Take advantage of American Express privileges including up to two entries per year to the American Express Lounge at Sydney or Melbourne International Airports.

Complimentary insurances

Your American Express Westpac Altitude Black Card features a range of complimentary insurance covers as set out in the American Express Westpac Altitude Card Insurance Policy.

Overseas travel insurance

For overseas trips up to 6 months, overseas travel insurance includes cover for:

  • Specified medical expenses incurred overseas
  • Loss or damage to personal property and travel documents
  • Personal liability cover
  • Rental vehicle excess cover as specified in the policy for loss or damage to rental vehicle.

You, your spouse and your dependent children could be automatically covered for Complimentary Overseas Travel Insurance on your journey, if each of you meets the eligibility criteria, including pre-paid travel costs using your credit card. See the Policy for eligibility criteria and full terms and conditions.

Transit accident insurance

Up to $750,000 transit accident insurance cover against specified accidental death or injury when sustained while riding as a passenger in a plane, bus, train or ferry when you have purchased the tickets for the journey using your American Express Westpac Altitude Black Card before you leave.

Purchase security insurance

4 months cover against loss, theft or accidental damage for a range of personal items purchased in Australia and overseas provided the item is purchased using your American Express Westpac Altitude Black Card.

Extended warranty insurance

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

Interstate flight inconvenience insurance

Cover for delays, loss or damage to personal items and cancellation of domestic travel arrangements, whilst you are on an interstate Australian holiday of up to 14 days when you purchase the entire cost of your return interstate flight fare using your Altitude Black Mastercard.

Rental vehicle excess insurance in Australia

Be reimbursed up to A$5,500 for any insurance excess you may incur on a rental vehicle insurance policy in Australia.

For more information about our complimentary insurance covers (including information about terms, conditions, exclusions and any applicable excess), refer to the American Express Westpac Altitude Card Insurance Policy.

More reasons to choose the American Express Westpac Altitude Card

  • $0 annual Card fee for up to 4 additional Card Members
  • Explore Amex Offers and view your transactions at a glance with the American Express Mobile App
  • No matter where you are in the world, American Express is there 24/7 – just call the number on the back of your Card
  • American Express Safekey provides extra peace of mind when shopping online at participating retailers
  • Feel secure, with the American Express Fraud Protection Guarantee.
Fees payable to American Express (these may change)
Amount
Annual Card fee $199
Additional Card Fee
$0
Currency Conversion Fee
3% of the converted amount
Late Payment Fee
$30

Additional Statement Fee

Payable if you or your additional Card Member request a copy of an additional posted monthly paper statement. 

$10
Dishonour fee
$6 for each dishonour or debit rejection

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

Over the Counter fee

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

$3
Transaction Interest rates
Purchases 20.24% p.a.
Cash advances Cash advances not available
Interest free days on purchases Up to 45 days

Step 3 of 3: Choose your American Express Westpac Altitude Card

Complimentary insurances

Your American Express Westpac Altitude Platinum card features a range of complimentary insurance covers as set out in the American Express Westpac Altitude Card Insurance Policy.

Overseas travel insurance

For overseas trips up to 3 months, overseas travel insurance includes cover for:

  • Specified medical expenses incurred overseas
  • Loss or damage to personal property and travel documents
  • Personal liability cover
  • Rental vehicle excess cover as specified in the policy for loss or damage to rental vehicle.

You, your spouse and your dependent children could be automatically covered for Complimentary Overseas Travel Insurance on your journey, if each of you meets the eligibility criteria, including pre-paid travel costs using your credit card. See the Policy for eligibility criteria and full terms and conditions.

Transit accident insurance

Up to $250,000 transit accident insurance cover against specified accidental death or injury when sustained while riding as a passenger in a plane, bus, train or ferry when you have purchased the tickets for the journey using your American Express Westpac Altitude Platinum Card before you leave.

Purchase security insurance

3 months cover against loss, theft or accidental damage for a range of personal items purchased in Australia and overseas provided the item is purchased using your American Express Westpac Altitude Platinum card.

Extended warranty insurance

Up to 12 months extended warranty insurance cover (in addition to the manufacturer's expressed Australian warranty) on a range of personal items purchased using your American Express Westpac Altitude Platinum card.

For more information about our complimentary insurance covers (including information about terms, conditions, exclusions and any applicable excess), refer to the American Express Westpac Altitude Card Insurance Policy.

More reasons to choose the American Express Westpac Altitude Card

  • $0 annual Card fee for up to 4 additional Card Members
  • Explore Amex Offers and view your transactions at a glance with the American Express Mobile App
  • No matter where you are in the world, American Express is there 24/7 – just call the number on the back of your Card
  • American Express Safekey provides extra peace of mind when shopping online at participating retailers
  • Feel secure, with the American Express Fraud Protection Guarantee
Fees payable to American Express (these may change)
Amount
Annual Card fee $49
Additional Card Fee
$0
Currency Conversion Fee
3% of the converted amount
Late Payment Fee
$30

Additional Statement Fee

Payable if you or your additional Card Member request a copy of an additional posted monthly paper statement. 

$10
Dishonour fee
$6 for each dishonour or debit rejection

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

Over the Counter fee

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

$3
Transaction Interest rates
Purchases 20.24% p.a.
Cash advances Cash advances not available
Interest Free Period Up to 45 days 

Complimentary Airport Lounge Visits

You can enjoy access to the American Express Airport Lounges in Australia two times a year

Complimentary insurances

Your American Express Westpac Altitude Black Card features a range of complimentary insurance covers as set out in the American Express Westpac Altitude Card Insurance Policy.

Overseas travel insurance

For overseas trips up to 6 months, overseas travel insurance includes cover for:

  • Specified medical expenses incurred overseas
  • Loss or damage to personal property and travel documents
  • Personal liability cover
  • Rental vehicle excess cover as specified in the policy for loss or damage to rental vehicle.

You, your spouse and your dependent children could be automatically covered for Complimentary Overseas Travel Insurance on your journey, if each of you meets the eligibility criteria, including pre-paid travel costs using your credit card. See the Policy for eligibility criteria and full terms and conditions.

Transit accident insurance

Up to $750,000 transit accident insurance cover against specified accidental death or injury when sustained while riding as a passenger in a plane, bus, train or ferry when you have purchased the tickets for the journey using your American Express Westpac Altitude Black Card before you leave.

Purchase security insurance

4 months cover against loss, theft or accidental damage for a range of personal items purchased in Australia and overseas provided the item is purchased using your American Express Westpac Altitude Black Card.

Extended warranty insurance

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

Interstate flight inconvenience insurance

Cover for delays, loss or damage to personal items and cancellation of domestic travel arrangements, whilst you are on an interstate Australian holiday of up to 14 days when you purchase the entire cost of your return interstate flight fare using your Altitude Black Mastercard.

Rental vehicle excess insurance in Australia

Be reimbursed up to A$5,500 for any insurance excess you may incur on a rental vehicle insurance policy in Australia.

For more information about our complimentary insurance covers (including information about terms, conditions, exclusions and any applicable excess), refer to the American Express Westpac Altitude Card Insurance Policy.

More reasons to choose the American Express Westpac Altitude Card

  • $0 annual Card fee for up to 4 additional Card Members
  • Explore Amex Offers and view your transactions at a glance with the American Express Mobile App
  • No matter where you are in the world, American Express is there 24/7 – just call the number on the back of your Card
  • American Express Safekey provides extra peace of mind when shopping online at participating retailers
  • Feel secure, with the American Express Fraud Protection Guarantee
Fees payable to American Express (these may change)
Amount
Annual Card fee $199
Additional Card Fee
$0
Currency Conversion Fee
3% of the converted amount
Late Payment Fee
$30

Additional Statement Fee

Payable if you or your additional Card Member request a copy of an additional posted monthly paper statement. 

$10
Dishonour fee
$6 for each dishonour or debit rejection

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

Over the Counter fee

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

$3
Transaction Interest rates
Purchases 20.24% p.a.
Cash advances Cash advances not available
Interest Free Period Up to 45 days 

Step 3 of 3: Choose your American Express Westpac Altitude Card

Complimentary insurances

Your American Express Westpac Altitude Platinum Card features a range of complimentary insurance covers as set out in the American Express Westpac Altitude Card Insurance Policy.

Overseas travel insurance

For overseas trips up to 3 months, overseas travel insurance includes cover for:

  • Specified medical expenses incurred overseas
  • Loss or damage to personal property (limits apply) 
  • Limit of $2.5 million of personal liability cover
  • Up to $5,000 rental vehicle excess cover as specified in the policy for loss or damage to rental vehicle.

You, your spouse and your dependent children could be automatically covered for overseas Travel Insurance on your journey and when each of you prepay $500 of travel costs on your American Express Westpac Altitude Platinum Card. See Policy for full eligibility criteria and full terms and conditions.

Transit accident insurance

Up to $250,000 transit accident insurance cover against specified accidental death or injury when sustained while riding as a passenger in a plane, bus, train or ferry when you have purchased the tickets for the journey using your American Express Westpac Altitude Platinum Card before you leave.

Purchase security insurance

3 months cover against loss, theft or accidental damage for a range of personal items purchased in Australia and overseas provided the item is purchased using your American Express Westpac Altitude Platinum Card.

Extended warranty insurance

Up to 12 months extended warranty insurance cover (in addition to the manufacturer's expressed Australian warranty) on a range of personal items purchased using your American Express Westpac Altitude Platinum Card.

For more information about our complimentary insurance covers (including information about terms, conditions, exclusions and any applicable excess), refer to the American Express Westpac Altitude Card Insurance Policy.

More reasons to choose the American Express Westpac Altitude Card

  • $0 annual Card fee for up to 4 additional Card Members
  • Explore Amex Offers and view your transactions at a glance with the American Express Mobile App
  • No matter where you are in the world, American Express is there 24/7 – just call the number on the back of your Card
  • American Express Safekey provides extra peace of mind when shopping online at participating retailers
  • Feel secure, with the American Express Fraud Protection Guarantee
Fees payable to American Express (these may change)
Amount
Annual Card fee $49
Additional Card Fee
$0
Currency Conversion Fee
3% of the converted amount
Late Payment Fee
$30

Additional Statement Fee

Payable if you or your additional Card Member request a copy of an additional posted monthly paper statement. 

$10
Dishonour fee
$6 for each dishonour or debit rejection

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

Over the Counter fee

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

$3
Transaction Interest rates
Purchases 20.24% p.a.
Cash advances Cash advances not available
Interest free days on purchases Up to 45 days 

Airport Lounge Visits

Enjoy two complimentary entries per year to the American Express Lounge, located at Sydney International Airport or Melbourne International Airport.

Complimentary insurances

Your American Express Westpac Altitude Black Card features a range of complimentary insurance covers as set out in the American Express Westpac Altitude Card Insurance Policy.

Overseas travel insurance

For overseas trips up to 6 months, overseas travel insurance includes cover for:

  • Specified medical expenses incurred overseas
  • Loss or damage to personal property (limits apply)
  • Up to $2.5 million of personal liability cover
  • Up to $5,500 rental vehicle excess cover as specified in the policy for loss or damage to rental vehicle

You, your spouse and your dependent children could be automatically covered for  Overseas Travel Insurance on your journey when each of you prepay $500 of travel costs on your American Express Westpac Altitude Black Card. See Policy for eligibility criteria and full terms and conditions.

Transit accident insurance

Up to $750,000 transit accident insurance cover against specified accidental death or injury when sustained while riding as a passenger in a plane, bus, train or ferry when you have purchased the tickets for the journey using your American Express Westpac Altitude Black Card before you leave.

Purchase security insurance

4 months cover against loss, theft or accidental damage for a range of personal items purchased in Australia and overseas provided the item is purchased using your American Express Westpac Altitude Black Card.

Extended warranty insurance

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

For more information about our complimentary insurance covers (including information about terms, conditions, exclusions and any applicable excess), refer to the American Express Westpac Altitude Card Insurance Policy.

More reasons to choose the American Express Westpac Altitude Black Card

  • $0 annual Card fee for up to 4 additional Card Members
  • Explore Amex Offers and view your transactions at a glance with the American Express Mobile App
  • No matter where you are in the world, American Express is there 24/7 – just call the number on the back of your Card
  • American Express Safekey provides extra peace of mind when shopping online at participating retailers
  • Feel secure, with the American Express Fraud Protection Guarantee
Fees payable to American Express (these may change)
Amount
Annual Card fee $199
Additional Card Fee
$0
Currency Conversion Fee
3% of the converted amount
Late Payment Fee
$30

Additional Statement Fee

Payable if you or your additional Card Member request a copy of an additional posted monthly paper statement. 

$10
Dishonour fee
$6 for each dishonour or debit rejection

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

Over the Counter fee

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

$3
Transaction Interest rates
Purchases 20.24% p.a.
Cash advances Cash advances not available
Interest free days on purchases Up to 45 days 

Step 3 of 3: Choose your American Express Westpac Altitude Card

Complimentary insurances

Your American Express Westpac Altitude Platinum Card features a range of complimentary insurance covers as set out in the American Express Westpac Altitude Card Insurance Policy.

Overseas travel insurance

For overseas trips up to 3 months, overseas travel insurance includes cover for:

  • Specified medical expenses incurred overseas
  • Loss or damage to personal property (limits apply) 
  • Limit of $2.5 million of personal liability cover
  • Up to $5,000 rental vehicle excess cover as specified in the policy for loss or damage to rental vehicle.

You, your spouse and your dependent children could be automatically covered for overseas Travel Insurance on your journey and when each of you prepay $500 of travel costs on your American Express Westpac Altitude Platinum Card. See Policy for full eligibility criteria and full terms and conditions.

Transit accident insurance

Up to $250,000 transit accident insurance cover against specified accidental death or injury when sustained while riding as a passenger in a plane, bus, train or ferry when you have purchased the tickets for the journey using your American Express Westpac Altitude Platinum Card before you leave.

Purchase security insurance

3 months cover against loss, theft or accidental damage for a range of personal items purchased in Australia and overseas provided the item is purchased using your American Express Westpac Altitude Platinum Card.

Extended warranty insurance

Up to 12 months extended warranty insurance cover (in addition to the manufacturer's expressed Australian warranty) on a range of personal items purchased using your American Express Westpac Altitude Platinum Card.

For more information about our complimentary insurance covers (including information about terms, conditions, exclusions and any applicable excess), refer to the American Express Westpac Altitude Card Insurance Policy.

More reasons to choose the American Express Westpac Altitude Card

  • $0 annual Card fee for up to 4 additional Card Members
  • Explore Amex Offers and view your transactions at a glance with the American Express Mobile App
  • No matter where you are in the world, American Express is there 24/7 – just call the number on the back of your Card
  • American Express Safekey provides extra peace of mind when shopping online at participating retailers
  • Feel secure, with the American Express Fraud Protection Guarantee
Fees payable to American Express (these may change)
Amount
Annual Card fee $49
Additional Card Fee
$0
Currency Conversion Fee
3% of the converted amount
Late Payment Fee
$30

Additional Statement Fee

Payable if you or your additional Card Member request a copy of an additional posted monthly paper statement. 

$10
Dishonour fee
$6 for each dishonour or debit rejection

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

Over the Counter fee

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

$3
Transaction Interest rates
Purchases 20.24% p.a.
Cash advances Cash advances not available
Interest free days on purchases Up to 45 days 

Access to American Express Airport Lounges

Take advantage of American Express privileges including up to two entries per year to the American Express Lounge at Sydney or Melbourne International Airports.

Complimentary insurances

Your American Express Westpac Altitude Black Card features a range of complimentary insurance covers as set out in the American Express Westpac Altitude Card Insurance Policy.

Overseas travel insurance

For overseas trips up to 6 months, overseas travel insurance includes cover for:

  • Specified medical expenses incurred overseas
  • Loss or damage to personal property (limits apply)
  • Up to $2.5 million of personal liability cover
  • Up to $5,500 rental vehicle excess cover as specified in the policy for loss or damage to rental vehicle.

You, your spouse and your dependent children could be automatically covered for  Overseas Travel Insurance on your journey when each of you prepay $500 of travel costs on your American Express Westpac Altitude Black Card. See Policy for eligibility criteria and full terms and conditions

Transit accident insurance

Up to $750,000 transit accident insurance cover against specified accidental death or injury when sustained while riding as a passenger in a plane, bus, train or ferry when you have purchased the tickets for the journey using your American Express Westpac Altitude Black Card before you leave.

Purchase security insurance

4 months cover against loss, theft or accidental damage for a range of personal items purchased in Australia and overseas provided the item is purchased using your American Express Westpac Altitude Black Card.

Extended warranty insurance

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

For more information about our complimentary insurance covers (including information about terms, conditions, exclusions and any applicable excess), refer to the American Express Westpac Altitude Card Insurance Policy.

More reasons to choose the American Express Westpac Altitude Card

  • $0 annual Card fee for up to 4 additional Card Members
  • Explore Amex Offers and view your transactions at a glance with the American Express Mobile App
  • No matter where you are in the world, American Express is there 24/7 – just call the number on the back of your Card
  • American Express Safekey provides extra peace of mind when shopping online at participating retailers
  • Feel secure, with the American Express Fraud Protection Guarantee
Fees payable to American Express (these may change)
Amount
Annual Card fee $199
Additional Card Fee
$0
Currency Conversion Fee
3% of the converted amount
Late Payment Fee
$30

Additional Statement Fee

Payable if you or your additional Card Member request a copy of an additional posted monthly paper statement. 

$10
Dishonour fee
$6 for each dishonour or debit rejection

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

Over the Counter fee

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

$3
Transaction Interest rates
Purchases 20.24% p.a.
Cash advances Cash advances not available
Interest free days on purchases Up to 45 days 
Things you should know

Consumer Credit Cards - Conditions of Use (PDF 303KB)

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. Terms and conditions available on request.

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.

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


Westpac Altitude Cards

^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 3rd April 2019 and midnight 2nd June 2019 and spend the minimum amount of $3,000 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 or 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 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 Points earned during a statement cycle are added to your Qantas Points balance on a monthly basis.

+No annual card fee in the first year promotion: The first year annual card fee waiver is available when you apply for a new Altitude Platinum card between 3rd April 2019 and midnight 2nd June 2019, The first annual card fee will be debited on the 12 month anniversary of the first transaction on your account and annually thereafter.

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.

Rewards Points: The earning and redemption of Altitude Points and Qantas Points is subject to the Altitude Rewards and Altitude Qantas Terms and Conditions. Purchases that are not eligible to earn Rewards Points are set out in the Altitude Rewards 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. 

Priority Pass Membership: To enrol, go to altitudeblack.com.au. Lounge usage in excess of two visits per 12-month membership period and all guest visits will be charged directly to your Altitude Black card at the prevailing visit fee which is currently US$27 per person, per visit. The first two visits within each 12-month membership period are complimentary to the primary cardholder only, after which every visit would be charged as per the prevailing rates. Any accompanying guests will be charged the prevailing visit fee, which is currently US$27 per person, per visit, which will be automatically charged on the cardholder's Altitude Black card. A Westpac Foreign Transaction Fee will apply to the conversion amount. Prices are current as of February 2018. The date of visits determines which year of membership the visit is allocated to. Unused visits cannot be carried forward to the following 12-month period of membership. The number of free visits will be reset to two per each 12-month period. If you have enquiries about the Priority Pass program, contact Priority Pass by visiting the Contact Us page on www.prioritypass.com.  For full details on terms and conditions, visit Priority Pass website at prioritypass.com/Conditions-of-use.cfm.

Qantas Club Complimentary Invitations: As a Westpac Altitude Black card cardholder earning Qantas Points, you are eligible for two Qantas Club Complimentary Invitations within each 12-month period of your anniversary registration date when you register your Altitude Black card via loungepass.altitudeblack.com.au and use your card 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.

The Qantas Club Complimentary Invitations will be made available within 14 business days of meeting eligible spend via the Qantas Complimentary Invitations Portal, provided you are not in breach of the Credit Card Conditions of Use (PDF 303KB) and your account remains open. Log in to the portal using your Qantas Frequent Flyer account to access your invitation, link it with an eligible Qantas flight booking, or to find out more information. To receive your Complimentary Invitations, you must have provided Westpac with your Qantas Frequent Flyer Number. If you have not yet registered for your complimentary Qantas Frequent Flyer Membership, you may join at qantaspoints.com/ffjoinwestpac.

Qantas Club Complimentary Invitations are provided courtesy of Westpac, and are valid for Qantas Club and Qantas operated International Business Lounges only (excluding Los Angeles Tom Bradley Airport lounge). Not valid in International First Class lounges, Chairman's Lounge, Qantas Domestic Business, Qantas oneworld® alliance airline, partner airline or associated lounges. Each invitation is valid for a single visit before the expiry date specified on the invitation, when travelling with Qantas or Jetstar with a Qantas (QF) or Jetstar (JQ, 3K, GK, BL) flight number. Qantas Club Complimentary Invitations must not be resold. Qantas reserves the right to cancel invitations and disqualify future invitations that are in breach of this policy.

Access and use is subject to Qantas Club rules which are available at qantas.com/qantasclub. Access may not be available if the applicable lounge is full or near capacity, at the full discretion of lounge staff. Access and use of Qantas Club lounges is subject to Qantas Club terms and conditions.

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 764KB) which may be amended from time to time. Westpac does not guarantee this insurance.

1 SmartPlan Disclaimer: SmartPlan requires monthly payments to be made for the term calculated and at the applicable interest rate when the SmartPlan is entered into. All payments made to your account will be applied first to any SmartPlan instalments, so debts accruing a higher interest rate may be left unpaid during the SmartPlan term. Your balance transfer must have a maximum of 36 months and a remaining term of at least 3 months to be eligible for a SmartPlan. See SmartPlan for more details. SmartPlan cancellation takes up to 2 Business Days. Any SmartPlan Remaining Balance will revert to the variable interest rate for your balance type or special offer rate as applicable.  

Discounted rates may not apply to cards with existing promotional rates. Discounted rates will not apply to Westpac Lite Mastercard. Establishment fees apply on a Large Purchase SmartPlan.

Concierge Services: Concierge Services are subject to the Westpac Rewards Credit Cards Concierge Service Terms and Conditions (PDF 99KB).

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

American Express Westpac Altitude Cards

~Bonus Rewards points for American Express Westpac Altitude Cards: Offer only available to selected Westpac Altitude cardholders who apply online for the new American Express Westpac Altitude Card between 3rd April 2019 and 2nd June 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.

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.

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 on the American Express Cards: 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 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.