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Special offer for a limited time

Altitude Black World Mastercard®

    

Annual card fee: $199 for the first year (usually $250)~

Annual membership fee: $50 (when you select Altitude Qantas or Altitude Velocity)

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

Minimum income required: $75,000

 

Upgrades only, offer not available to existing Altitude Black credit card customers. Exclusions apply.


Choose your rewards program:

Altitude Points earn rate on eligible purchases, uncapped:1

  • Earn 6 points per dollar spent6 on the first $10,000 per calendar month on flights purchased in Australia directly with Qantas, Jetstar, Virgin Australia, Emirates and Singapore Airlines, then 1.25 point per $1 spent thereafter.
  • Earn 2 points per dollar spent7 at Spotify Premium, David Jones, Myer, THE ICONIC, Airbnb, Uber and Uber Eats.
  • Earn 1.25 point per dollar1 on all other eligible purchases.

Why choose the Altitude Black card with Altitude Rewards?

Airport Lounge benefits

Including two complimentary Priority Pass airport lounge passes each year, one of which you can now share with your travel companion.5

Complimentary insurance covers3

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

Earn more points with your favourite brands

Earn more points at the places you use your card every day when you travel. It won't be long before you're turning everyday activities into your next unforgettable holiday.1

Easy cashback

Enjoy being rewarded by Westpac when you shop, dine, travel or are entertained. Our Extras loyalty program gives you cashback for life's simple pleasures.

Velocity Points earn rate on eligible purchases, uncapped:1

Earn 0.75 Velocity Points per dollar spent on all eligible purchases. 


Why choose the Altitude Black credit card 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.⁴

Available when you spend with Virgin Australia on your Mastercard®.

Complimentary lounge passes5

Relax before you fly with 2 complimentary Virgin Australia domestic airport lounge passes each year. Learn how to redeem below.

Complimentary insurance covers3

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

Easy cashback

Enjoy being rewarded by Westpac when you shop, dine, travel or are entertained. Our Extras loyalty program gives you cashback for life's simple pleasures.

Qantas Points earn rate on eligible purchases, uncapped:1

Earn 0.75 Qantas Points per dollar spent on all eligible purchases. 


Why choose the Altitude Black card with Qantas?

Complimentary lounge passes5

Relax  before you fly with 2 complimentary Qantas Club airport lounge passes each year. Learn how to redeem below.

Complimentary insurance covers3

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

Easy cashback

Enjoy being rewarded by Westpac when you shop, dine, travel or are entertained. Our Extras loyalty program gives you cashback for life's simple pleasures.


How to upgrade

Via Online Banking

You can upgrade your credit card within Online Banking.

You’ll need your 8 digit customer number, password and promotional code.

 

By telephone

Call us on 1300 651 089 and quote your promotional code when upgrading.

 

In branch

Visit a Westpac branch and quote your promotional code when upgrading.

Things you should know

Conditions, fees and credit criteria apply. Offer only available to the addressees of related offer email communication. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion. This information is general in nature and has been prepared without taking your objectives, needs and overall financial situation into account. For this reason, you should consider the appropriateness of the information to your own circumstances and, if necessary, seek appropriate professional advice.

~The discounted first year annual card fee promotion is available when you are an existing Westpac credit cardholder, apply and are approved for an upgrade to a new Altitude Black credit card before the offer end date. The first full annual card fee will be debited on the 12-month anniversary of the first transaction on your account and annually thereafter.

1. 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. 

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.

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.

2. Westpac Extras: The Westpac Extras program is subject to the terms and conditions at Westpac.com.au/extras. Offers will also be subject to their own terms and conditions.

3. 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.

4. 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.

5. Complimentary Lounge Passes

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 305KB) 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.

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.

Virgin Australia Lounge Passes: Two complimentary single entry Virgin Australia Domestic Lounge Passes are available to Westpac Altitude Black Mastercard 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 every year on your Altitude Black Mastercard from your card open date. Virgin Australia Lounge Passes 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. Virgin Australia lounge is operated by Virgin Australia Airlines Pty Ltd in selected domestic airport locations and entry is subject to the Westpac Altitude Velocity Black Mastercard Lounge Pass Conditions and Virgin Australia Lounge Terms and Conditions and is subject to change from time to time. 

6. Accelerated Earn – Flights: Applies only to flights purchased directly with the participating airlines listed above using your Altitude Black Mastercard. Excludes flights not purchased directly with the participating airlines in Australia, for example flights purchased through a travel agent, online aggregators, or other airlines such as a code-share etc. Excludes Altitude Qantas and Altitude Velocity Cards. Participating airlines are subject to change.

7. Accelerated Earn – Shop, Stream, Ride and Stay: Applies only to domestic spend made in Australian dollars or any other currency (and converted to Australian dollars) using your card or card account with a Merchant who is located in Australia. Excludes Altitude Qantas and Altitude Velocity Cards. Participating merchants are subject to change.

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

Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.