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COVID-19 and credit card applications

Important information regarding credit card applications

The impact of COVID-19 means we are experiencing long lead times to process the applications of those who do not currently have an account with us. Current customers may also experience delays. Please read the ‘Before you apply’ section on the individual card pages carefully before applying.


Response to Virgin Australia's Voluntary Administration Announcement

If you currently use one of our credit cards to earn Velocity Points, either directly or by converting your Altitude Points, rest assured we’re working closely with Velocity Frequent Flyer to minimise any disruption. The Altitude Velocity rewards program is currently not available when applying for a new Altitude credit card. You can find our more at our FAQ page.


Westpac Altitude Platinum credit card

Westpac Altitude Platinum

Essentials
  • Earn 1 Altitude Point or 0.5 Qantas Points per $1 spent on all eligible purchases.6 Plus earn additional Altitude Points with our Accelerated Earn partners<<
  • $150 annual card fee
Benefits
  • Complimentary insurance covers4

 


Special offer

Earn 80,000 bonus Altitude Points or 60,000 bonus or Qantas Points.> Minimum spend $3k applies. Conditions and exclusions apply.†

Westpac Altitude Black credit card

Westpac Altitude Black

Essentials
  • Earn 1.25 Altitude Points or 0.75 Qantas Points per $1 spent on all eligible purchases.6 Plus earn additional Altitude Points with our Accelerated Earn partners<<
  • $250 annual card fee
Benefits
  • Extended complimentary insurance covers4
  • Premium concierge services
  • Up to 2 complimentary lounge passes3

 


Special offer

Earn 150,000 bonus Altitude Points^ or up to 120,000 bonus Qantas Points.~ Minimum spend, conditions and exclusions apply.†

Altitude Platinum Bundle

Essentials
  • Earn up to 2 Altitude Points or 1 Qantas Point per $1 spent on eligible purchases in Australia, uncapped6
  • $199 annual card fee.
Benefits
  • All the benefits of the Altitude Platinum Card
  • Access to Amex Offers and American Express Invites

 


Special offer  

Earn 80,000 bonus Altitude Points or 60,000 bonus Qantas Points on the Mastercard.> Minimum spend $3k applies. Conditions and exclusions apply.†

Altitude Blended Bundle

Essentials
  • Earn up to 3 Altitude Points or 1.25 Qantas Points per $1 spent on eligible purchases in Australia, uncapped6
  • $349 annual card fee.
Benefits
  • All the benefits of the Altitude Platinum Card
  • Up to 2 complimentary lounge passes3
  • Access to Amex Offers and American Express Invites

 


Special offer   

Earn 80,000 bonus Altitude Points or 60,000 bonus Qantas Points on the Mastercard.> Minimum spend $3k applies. Conditions and exclusions apply.†

Altitude Black Bundle

Essentials
  • Earn up to 3 Altitude Points or 1.25 Qantas Points per $1 spent on eligible purchases in Australia, uncapped6
  • $449 annual card fee.
Benefits
  • All the benefits of the Altitude Black Card
  • Up to 4 complimentary lounge passes3
  • Access to Amex Offers and American Express Invites

 


Special offer  

Earn 150,000 bonus Altitude Points^ or up to 120,000 bonus Qantas Points~ on the Mastercard. Minimum spend, conditions and exclusions apply.†

Things you should know

The American Express Westpac Altitude Cards Key Facts Sheet

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

American Express Westpac Altitude Cards are issued and administered by American Express Australia Limited ABN 92 108 952 085, Australian Credit Licence No. 291313. ® Registered Trademark of American Express Company.

American Express will pay a monthly commission to Westpac in relation to your account. As the commission is dependent on all American Express Westpac Altitude customers’ use of their Cards, the amount is not ascertainable. Fees or charges in relation to this Card are only payable to American Express, not Westpac.

Note: The Card issued by American Express will be a separate credit card contract to the Westpac Altitude Card, with its own credit limit, statement and annual Card fee.

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 fee applies for customers who choose to earn Qantas Points through Altitude Qantas rewards program.


Westpac Altitude Mastercards

>Bonus Altitude or Qantas Points Promotion Altitude Platinum: To qualify for this promotion you must apply and be approved for a new Altitude Platinum card between 1st April 2020 and 5th August 2020 and spend the minimum amount of $3,000 on eligible purchases on an Altitude Platinum card within 90 days from card approval in one or more transactions. 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 Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, 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.
 
†Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, payments to the Australian Tax Office, government charges, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account.

^Bonus Altitude Points Promotion Altitude Black: To qualify for this promotion you must apply and be approved for a new Altitude Black card with Altitude Rewards between 1st April 2020 and 5th August 2020, and spend $4,000 or more on eligible purchases within 90 days of card approval. Bonus points will be added to your account within 12 weeks once you’ve met the eligible spend criteria. Existing Westpac customers who currently hold an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months, are not eligible for this offer.

~ Bonus Qantas Points Promotion Altitude Black: To be eligible for up to 120,000 bonus Qantas Points, you must apply and be approved for a new Altitude Black credit card between 1st April 2020 and 5th August 2020.
You will receive an initial 90,000 bonus points if you spend $4,000 or more on eligible purchases within 90 days of card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria.
You will receive an additional 30,000 bonus points if you keep your account open for more than 12 months and continue to use the card. These additional points will be credited to your points balance within 12 weeks, after the first eligible purchase is made in the second year of your card account being active.
If you do not meet the minimum spend criteria within 90 days of card approval, you forfeit the initial 90,000 bonus points only. However, you are still eligible for the additional 30,000 bonus points in the second year if you continue to use your card.
Existing Westpac customers who currently hold an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, 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.

 

<< Altitude Points Accelerated Earn: Available for Altitude Rewards cards only, excludes Westpac Altitude Qantas cards. For details on Accelerated Earn partner airlines and merchants visit Altitude Platinum or Altitude Black. Accelerated Earn partners are subject to change.

Qantas products and services: Selected Qantas products and services are Qantas passenger flights with a QF flight number purchased directly from Qantas.com; Qantas Frequent Flyer and Qantas Club membership joining and/ or annual fees. For full Qantas Frequent Flyer Terms and Conditions, visit Qantas.com/terms.

4. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible 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.

6. Rewards Points: The earning and redemption of Altitude Points and Qantas Points are 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. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances. Refer to the Altitude Terms and Conditions for information on how you earn points on transactions. Qantas Points earned during a statement cycle are added to your respective Points balance on a monthly basis.

Concierge Services: Concierge Services are subject to the Westpac Rewards Credit Cards Concierge Service Terms and Conditions (PDF 1MB).

American Express Westpac Altitude Cards

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 directly from Qantas.com; Qantas Frequent Flyer and Qantas Club membership joining and/ or annual fees. For full Qantas Frequent Flyer Terms and Conditions, visit Qantas.com/terms.

4. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible American Express Westpac Altitude cardholders to claim under it as third party beneficiaries. You must use your American Express Westpac Altitude Card to prepay $500 of travel costs in order to be covered under the overseas travel insurance. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the American Express Westpac Altitude Card Insurance Policy which may be amended from time to time. Westpac does not guarantee this insurance.

3. Complimentary lounge passes disclaimers:

Priority Pass Membership: Available to Westpac Altitude Black primary cardholders earning Altitude Points through the Altitude Rewards program. Requires enrolment through prioritypass.com/westpacblack. The Primary Cardholder receives two complimentary visits in any 12-month period, one of which may be used by an accompanying guest. Subsequent visits in the 12-month period incur an additional cost, currently US$32 per person, per visit, which will be automatically charged to the primary cardholder's Altitude Black card. A Westpac Foreign Transaction Fee will apply to the conversion amount. Unused visits expire and cannot be carried forward to any subsequent year. Visit the Contact Us page on www.prioritypass.com for enquiries about the Priority Pass program. Subject to the Priority Pass Conditions Of Use.

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. 

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.

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