Altitude Black

Westpac’s most rewarding card offering you a choice of two great rewards programs – Altitude Rewards and Altitude Qantas with our highest points earn rate, premium travel and lifestyle services.

Two cards linked to one account. Extended complimentary insurance. Highest points earn rates.
  •  

    Westpac customers

    $0 annual fee for the first year. New cards only. ^See conditions in the 'Things you should know' section below.

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  • New customers

    Get started today.
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Essentials

Special promotions

  • 60,000 Altitude or Qantas bonus Points with a new Altitude Black card after you make your first purchase by 30 April 2015. Offer ends 19 April 2015.
  • 0% p.a. purchase rate for 6 months from card approval on new cards only. Apply between 6 January 2015 and 19 April 2015. Find out more at Rates.
  • 3.99% p.a. for 6 months on balance transfers requested at new card application. Variable cash advance rate applies after 6 months. Find out more at Rates.
  • $0 annual fee in the first year for existing Westpac customers who apply via westpac.com.au and click on the Westpac customers 'Apply now’ button. New cards only. Offer ends 30 June 2015. See 'Things you should know' section below for this promotion's terms and conditions.

Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible for this offer.


Two cards linked to one account

  • An Altitude Black American Express® Card for maximum points earn
  • An Altitude Black World MasterCard® for worldwide acceptance.


Uncapped points earned per $1 spent on eligible purchases

If you choose Altitude Rewards:

  • 1.25 points - Altitude Black World MasterCard ® (Australian Merchants)
  • 3 points - Altitude Black World MasterCard ® (Overseas Merchants)
  • 3 points - Altitude Black American Express Card (Australian Merchants and Overseas Merchants). 

If you choose Altitude Qantas:

  • 0.625 points - Altitude Black World MasterCard ® (Australian Merchants)
  • 1.5 points - Altitude Black World MasterCard ® (Overseas Merchants)
  • 1.5 points - Altitude Black American Express Card (Australian Merchants and Overseas Merchants)


Premium features and benefits 

  • Dedicated Westpac Concierge service and access to exclusive Black Card Concierge App
  • Be fast tracked to elite Gold Preferred Guest Membership status with Starwood Hotels and Resorts
  • Westpac’s most comprehensive complimentary insurance cover.

If you select Altitude Rewards:

  • Two complimentary  Priority Passes per year to use at your choice of over 700 VIP airport lounges in over 400 cities in 120 countries when you enrol

If you select Qantas Rewards:

  • Complimentary Qantas Frequent Flyer membership if you're not already a member
  • Two complimentary Qantas Lounge invitations per year after your first Altitude Black Card spend on selected Qantas products and services. To take advantage of this offer you must first register and opt in.


Standard variable interest rates

  • On purchases - 20.24% p.a.
  • On cash advances - 21.24% p.a.


Interest free days and more

  • Up to 45 days interest free on purchases when full closing balance is paid by the statement due date
  • Annual fee currently $395
  • Minimum card limit $15,000
  • Pay for everyday purchases under $100 with the ease and convenience of contactless technology
  • Recommended income to apply $75,000.


Earning and redeeming Altitude Points and Qantas Points on all Altitude Black credit cards

The details on how and when you earn Altitude rewards points and how to redeem them are in the Altitude Terms and Conditions and at altituderewards.com.au. See Details.

The earning and redemption of Qantas Points is subject to the Altitude Rewards and Altitude Terms and Conditions. You must be a member of the Qantas Frequent Flyer program to earn and redeem points in accordance with the terms and conditions of the Qantas Frequent Flyer program. Complimentary Qantas Frequent Flyer memberships are available on new cards for the primary cardholder for a limited time, if you are not already a member.


Complimentary insurance covers for Altitude Black

Zurich Australia Insurance Limited ABN 13 000 296 640 AFSL 232507 (Zurich) issues these covers to Westpac Banking Corporation under separate Master Policies and is liable for the risks insured. Terms, conditions, exclusions and limits apply. No Westpac Group company has any liability in connection with the insurance policies. Read the policy in Details.


More about Priority Pass

The date of visits determine which year of membership the visit is allocated to. Unused visits in any year cannot be carried forward to the following year .The free visits are reset to two in each 12-month period. Renewal of membership and terms and conditions are at the discretion of Priority Pass Ltd. For full details visit Priority Pass website.


More about Starwood Preferred Guest Gold Membership

The Starwood Preferred Guest® Program is managed by Starwood Hotels & Resorts Worldwide Inc. Starwood Preferred Guest® Program conditions apply. Find out more at Altitude Black or spg.com. For promotion conditions go to spg.com/WestpacWorldMasterCard.

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    Give us a call

    1300 130 961 

    8am-8pm, 7 days a week

Things you should know
  • World MasterCard® and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. PayPass™ is a trademark of MasterCard International Corporation.

    American Express® is a trademark of American Express. The Westpac Altitude Black
    American Express Card is issued by Westpac Banking Corporation pursuant to a license from American Express.

  • More about the bonus points offer

    The bonus points depend on your choice of Rewards Program.  Eligible purchases do not include fees, cash, cash equivalent transactions, refunds or balance transfers debited from the card account. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible. In order to be eligible customers must have been charged the standard annual fee. This promotion only applies to one account in the customer’s name and is not available in conjunction with any other promotion other than the balance transfer promotion available at card application and promotional rate on purchases. The bonus points will be added to your points balance (Altitude Rewards or Qantas Frequent Flyer membership account) within three months after the first purchase transaction is debited to your account. The earning and redemption of Altitude Points and Qantas Points is subject to the Altitude Rewards Terms and Conditions and Amplify Qantas Terms and Conditions. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances.  You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points in accordance with the terms and conditions of the Qantas Frequent Flyer program.

  • ^$0 annual fee in first year for existing Westpac customers promotion: To be eligible for this promotion you must be an existing Westpac customer that applies for a new Low Rate, Altitude, Altitude Platinum or Altitude Black card by clicking on the Westpac customers 'Apply now’ button via westpac.com.au or westpac.com.au/mobile between 1 April 2015 and 30 June 2015. Switches, upgrades, customers accessing employee benefits or packages cards are ineligible. Promotion is not available in conjunction with any other promotion other than the current balance transfer available at card application, promotional purchase rate offer or any bonus points offer. The first annual fee will be debited on the 12 month anniversary of the first transaction on your account and annually thereafter on the anniversary of the first annual fee.

Rewards

Choose between two great rewards programs both with uncapped points earning:

  • Altitude Rewards - Earn Altitude Points on eligible purchase you can redeem for a wide range of merchandise and frequent flyer points with a range of airlines
  • Altitude Qantas - Earn Qantas Points on eligible purchases you can redeem for Award flights with Qantas, as well as merchandise and gift cards from the online Qantas Store

 

Rewards If you choose Altitude Rewards If you choose Altitude Qantas
Points earned on eligible purchases - Altitude Black World MasterCard®(Australian Merchants) $1 = 1.25 Altitude Points $1 = 0.625 Qantas Points
Points earned on eligible purchases - Altitude Black World MasterCard®(Overseas Merchants) $1 = 3 Altitude Points $1 = 1.5 Qantas Points
Points earned on eligible purchases - American Express Card (Australian Merchants and Overseas Merchants)

$1 = 3 Altitude Points

$1 = 1.5 Qantas Points

Earning Bonus points
  • Earn up to 3 bonus Altitude Points per $1 spent on purchases at participating Bonus Partners. See altituderewards.com.au for details
  • Earn 1 bonus Altitude Point per $1 spent on brokerage when you trade through Westpac Online Investing 
  • Earn 1 bonus Qantas Point for every $1 you spend on selected Qantas products and services
  • Earn Qantas Points twice with Qantas Frequent Flyer Program partners. Earn Points once on your Altitude cards and again with the partner by presenting your Qantas Frequent Flyer membership card.
Redeeming your points

You can redeem your Altitude Points (minimum 3,000) for a wide range of rewards , including:

  • Technology, including products from Apple, Sony and Bose
  • Homewares, including products by Dyson, Kitchenaid and Tefal
  • Gift cards and retail vouchers, from stores including Westfield, David Jones, Harvey Norman and Bunnings Warehouse.

You can also use your Altitude Points to redeem frequent flyer points from 5 different frequent flyer programs:

  • Virgin Australia's Velocity
  • Malaysia Airline's Enrich
  • Air New Zealand Airpoints
  • Singapore Airlines KrisFlyer
  • Cathay Pacific AsiaMiles.
  • Redeem Qantas Points for Award flights with Qantas and over 30 partner airlines and affiliates
  • Request a Flight Upgrade Award on eligible Qantas domestic and international flights
  • Redeem for a range of merchandise and gift cards from the online Qantas Store
  • Flexibility to book your next Award flight using Points Plus Pay.

See qantas.com/frequentflyer for details.


More about Altitude Points 

The details on how and when you earn Altitude Points are in the Altitude Terms and Conditions (PDF 193kb).

Effective from 9 November 2014 we will be introducing some changes to the way you earn Altitude Points on ATO payments. See Details.

Visit altituderewards.com.au or sign in to Altitude Rewards through Westpac Online Banking to:

  • View the latest altitude rewards magazine, new rewards and special offers
  • Find local bonus points partners to earn up to triple the usual points
  • Redeem Altitude Points for rewards
  • Check your Altitude Rewards account.

You must be a member of the relevant frequent flyer program to redeem Altitude Points for frequent flyer points. The Altitude Terms and Conditions and the Terms and Conditions of the relevant frequent flyer program apply. Availability of award flights may be limited.


More about Qantas Points 

You must be a member of the Qantas Frequent Flyer program to earn and redeem Points. The details on how and when you earn Qantas Points are in the Altitude Terms and Conditions (PDF 193kb)

Effective from 9 November 2014 we will be introducing some changes to the way you earn Qantas Points on ATO payments. See Details.

Classic Award seats are subject to capacity controls and availability is limited, particularly around peak times such as school and public holidays. Some flights may not have any Classic Award seats available. For full details on redeeming Qantas Points for Classic Award seats, visit qantas.com/terms and see section 14 (Redeeming Qantas Points for Qantas & Partner Classic Awards).

The Terms and Conditions of the Qantas Frequent Flyer program also apply. Complimentary Qantas Frequent Flyer memberships are available on new cards for the primary cardholder for a limited time, if you are not already a member. For more details on the Qantas Frequent Flyer program see Details. Qantas Points are not earned on balance transfers or cash advances.

The Jetstar Any Seat Awards booking service and the Qantas Frequent Flyer Store are operated by Carlson Marketing Group (Aust) Pty Ltd trading as Carlson Leisure Travel Service. Licence No. 2TA 5778, IATA 02-3 59523.

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  •  

    Give us a call

    1300 130 961 

    8am-8pm, 7 days a week

Things you should know
  • World MasterCard® and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. PayPass™ is a trademark of MasterCard International Corporation.

    American Express® is a trademark of American Express. The Westpac Altitude Black
    American Express Card is issued by Westpac Banking Corporation pursuant to a license from American Express.

  • More about the bonus points offer

    The bonus points depend on your choice of Rewards Program.  Eligible purchases do not include fees, cash, cash equivalent transactions, refunds or balance transfers debited from the card account. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible. In order to be eligible customers must have been charged the standard annual fee. This promotion only applies to one account in the customer’s name and is not available in conjunction with any other promotion other than the balance transfer promotion available at card application and promotional rate on purchases. The bonus points will be added to your points balance (Altitude Rewards or Qantas Frequent Flyer membership account) within three months after the first purchase transaction is debited to your account. The earning and redemption of Altitude Points and Qantas Points is subject to the Altitude Rewards Terms and Conditions and Amplify Qantas Terms and Conditions. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances.  You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points in accordance with the terms and conditions of the Qantas Frequent Flyer program.

  • ^$0 annual fee in first year for existing Westpac customers promotion: To be eligible for this promotion you must be an existing Westpac customer that applies for a new Low Rate, Altitude, Altitude Platinum or Altitude Black card by clicking on the Westpac customers 'Apply now’ button via westpac.com.au or westpac.com.au/mobile between 1 April 2015 and 30 June 2015. Switches, upgrades, customers accessing employee benefits or packages cards are ineligible. Promotion is not available in conjunction with any other promotion other than the current balance transfer available at card application, promotional purchase rate offer or any bonus points offer. The first annual fee will be debited on the 12 month anniversary of the first transaction on your account and annually thereafter on the anniversary of the first annual fee.

Features

Altitude Black Card Priority Service line

Wherever you are and whatever the time of day, if you have any queries relating to your card, the dedicated Altitude Black Card Priority Service line will be ready to help with lost or stolen cards, making payments and more.

To contact the 24/7 Altitude Black Card Priority Service line call 1300 651 999 toll-free anywhere in Australia or +61 3 6345 1999 reverse charge when overseas.

Westpac Concierge

Say goodbye to the time consuming and mundane.

  • Westpac Concierge is on-call 24/7 to handle your requests, including restaurant and taxi bookings through to planning a party
  • To contact Westpac Concierge call 1300 651 999
  • Exclusive to Westpac Black cardholders, the Black Card Concierge app is perfect for when you're on the move. Plus, you can save time by saving your preferences and repeating previous requests. Download from the App store.

Airport Lounge Priority Pass (if you select Altitude Rewards)

When travelling internationally, it’s a welcome relief to be able to escape crowded terminals, especially if there is a delay or cancellation.

  • Enrol to receive two complimentary lounge passes every year to use at over 700 VIP airport lounges in over 400 cities in 120 countries
  • Travelling companions can join you in the lounge for a current cost of US$27, which will be charged directly to your Altitude Black American Express card
  • To receive your Priority Pass complimentary membership enrol online at Altitude Black

Qantas Lounge passes (if you select Altitude Qantas)

  • Receive two complimentary Qantas Lounge invitations a year
  • To use your passes, enrol at Altitude Black and opt in. Your first Card spend on selected Qantas products and services will activate your Qantas Lounge pass.

Complimentary American Express® Sydney International Airport Lounge Access

Start your journey in style at the American Express Lounge next to Gate 24 at Sydney International Airport. Altitude Black American Express® customers can now experience the new American Express Lounge before boarding. Enjoy complimentary dining, wine and cocktails from a locally inspired menu. Simply swipe your Altitude Black American Express Card at the Lounge Reception for complimentary entry up to two times a calendar year. Located next to Gate 24, Terminal 1 Departures, at Sydney International Airport. For more information see full terms and conditions.

Starwood Preferred Guest Gold Membership

Altitude Black fast tracks you to Preferred Guest Gold Membership status with Starwood Hotels and Resorts. Enjoy a complimentary upgrade to Gold status after one nights stay  in the Asia Pacific region, usually available after staying 25 nights where you’ve paid for your stay and all services with your Altitude Black World MasterCard®.

You can also access member benefits at more than 1,000 amazing hotels spanning across renowned groups like Sheraton®, Le Méridien®, Four Points®, Westin®, The Luxury Collection®, Aloft®, ElementSM, St. Regis® and W® Hotels.

Gold Membership includes:

  • An enhanced room at check in
  • 4 pm late checkout
  • Three Starpoints® earned for every eligible dollar spent (a 50% bonus over base level members).

Enrol online at spg.com/WestpacMasterCard or call the Starwood Customer Contact Centre on 1800 072 525.

Blackout dates and other restrictions may apply to this promotion. Starwood Preferred Guest® Program conditions apply. Find out more at Altitude Black or spg.com. For promotion conditions go to spg.com/WestpacWorldMasterCard

Extended complimentary insurance

A range of complimentary insurance covers come with your cards as set out in the Westpac Credit Cards Complimentary Insurance Policy in Details.

Overseas travel insurance

For overseas trips up to 6 months, cover includes:

  • Specified medical expenses incurred overseas
  • Up to $20,000 per person cover for loss or damage to personal property
  • Up to $550 per person for loss or damage to travel documents
  • Limit of $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 Complimentary Overseas Travel Insurance on your journey, if each of you meet the eligibility criteria, including pre-paid travel costs using your credit card. Find out more in Details.

Transit accident insurance

Up to $500,000 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 either one of your Altitude Black cards before you leave.

Purchase security insurance

4 months cover against loss, theft or accidental damage for most new items purchased in Australia and overseas provided the purchase is charged to the credit card account.

Extended warranty insurance

Up to 24 months extended warranty insurance cover (in addition to the manufacturer’s expressed Australian warranty) on most new personal items purchased using your Altitude Black cards.

Zurich Australian Insurance Limited ABN 13 000 296 640 AFSL 232507 (Zurich) issues these covers to Westpac Banking Corporation under separate Master Policies and is liable for the risks insured. Terms, conditions, exclusions and limits apply. No Westpac Group company has any liability in connection with the insurance policies. Read the policy in Details.

Additional cardholder

  • Add one additional cardholder (16 years or older) at no extra cost
  • The account holder (primary cardholder) is liable for all transactions on these cards and their own card
  • Purchases made by an additional cardholder earn Points for the account holder only.

Contactless technology

For a fast and convenient payment option for purchases under $100 - simply hold your contactless card against the terminal wherever you see the contactless symbol or your card logo - no need to enter a PIN or sign (where available).

Now you can use your Samsung Galaxy S5, S4 or Note 3 (N9005) smartphone to tap and pay for everyday purchases. Simply download the Westpac Mobile Banking app and choose which debit or credit cards you wish to use for mobile payments. To make a payment simply hold the back of your Samsung Galaxy S5, S4 or Note 3 (N9005) smartphone against the contactless terminal.

Card security

As well as an embedded microchip, take advantage of additional security measures helping defend against fraudulent activity:

All mobile payments are backed by our Fraud Money Back Guarantee. Plus, you can choose to enter your mobile banking password each time you make a purchase for added peace of mind or disable mobile payments in your phone’s NFC settings at any time.

Fraud Money Back Guarantee

Cardholders will be reimbursed for unauthorised transactions, provided the cardholder didn't contribute to the loss and notified Westpac promptly. Refer to the T&Cs for full details of when cardholders may be liable.

Westpac Fraud Money Back Guarantee ensures that any unauthorised transaction claims will be reimbursed provided that the cardholder has not contributed to the loss and contacted us promptly. Refer to the Consumer Credit Cards Conditions of Use for full details of when cardholders may be liable. Further information on resolving debit card transactional issues please see what to do if there is a fraudulent transaction on your card.

Credit card repayment protection

Optional credit card repayment protection insurance helps cover your card repayment obligations if you lose your job, or are unfit for work due to sickness, injury or disease.

This insurance is issued by Westpac General Insurance Limited ABN 99 003 719 319 (WGIL) and Westpac Life Insurance Services Limited ABN 31 003 149 157 (WLIS) each of which is liable for separate risks under the terms of the policy in Details. This product is distributed by Westpac Banking Corporation ABN 33 007 457 141 (the Bank). The policy is not an investment in or deposit with the Bank. No Westpac Group company (other than the Bank as policy distributor and WGIL and WLIS as the product issuers) has any liability in connection with the policy or this document. The Bank doesn’t guarantee payments under the policy.

More about Airport Lounge Priority Pass

The date of visits determine which year of membership the visit is allocated to. Unused visits in any year cannot be carried forward to the following year .The free visits are reset to two in each 12-month period. Renewal of membership and terms and conditions are at the discretion of Priority Pass Ltd. For full details visit the Priority Pass website.

  •  

    Compare all cards

    Find the best credit card for your needs

    Compare
  •  

    Give us a call

    1300 130 961 

    8am-8pm, 7 days a week

Things you should know
  • World MasterCard® and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. PayPass™ is a trademark of MasterCard International Corporation.

    American Express® is a trademark of American Express. The Westpac Altitude Black
    American Express Card is issued by Westpac Banking Corporation pursuant to a license from American Express.

  • More about the bonus points offer

    The bonus points depend on your choice of Rewards Program.  Eligible purchases do not include fees, cash, cash equivalent transactions, refunds or balance transfers debited from the card account. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible. In order to be eligible customers must have been charged the standard annual fee. This promotion only applies to one account in the customer’s name and is not available in conjunction with any other promotion other than the balance transfer promotion available at card application and promotional rate on purchases. The bonus points will be added to your points balance (Altitude Rewards or Qantas Frequent Flyer membership account) within three months after the first purchase transaction is debited to your account. The earning and redemption of Altitude Points and Qantas Points is subject to the Altitude Rewards Terms and Conditions and Amplify Qantas Terms and Conditions. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances.  You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points in accordance with the terms and conditions of the Qantas Frequent Flyer program.

  • ^$0 annual fee in first year for existing Westpac customers promotion: To be eligible for this promotion you must be an existing Westpac customer that applies for a new Low Rate, Altitude, Altitude Platinum or Altitude Black card by clicking on the Westpac customers 'Apply now’ button via westpac.com.au or westpac.com.au/mobile between 1 April 2015 and 30 June 2015. Switches, upgrades, customers accessing employee benefits or packages cards are ineligible. Promotion is not available in conjunction with any other promotion other than the current balance transfer available at card application, promotional purchase rate offer or any bonus points offer. The first annual fee will be debited on the 12 month anniversary of the first transaction on your account and annually thereafter on the anniversary of the first annual fee.

Fees

Fees (these may change) Amount
Annual fee

$395

  • Special promotion of the $0 annual fee in the first year is for existing Westpac customers who apply via westpac.com.au and click on the Westpac customers 'Apply now’ button. New cards only. Offer ends 30 June 2015. See 'Things you should know' section below for this promotion's terms and conditions.
Westpac foreign transaction fee

The Westpac 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:

 

  • MasterCard®: 3.0%
  • American Express®: 3.5%*

*Customers will not incur foreign transaction fee when the transaction is made in Australian dollar and the merchant or financial institution accepting the card is located overseas.

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 $9 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 $9 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 $7.50 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.

 

Things you should know

For more information see the Consumer Credit Cards Conditions of Use (PDF 649kb)

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    Compare all cards

    Find the best credit card for your needs

    Compare
  •  

    Give us a call

    1300 130 961 

    8am-8pm, 7 days a week

Things you should know
  • World MasterCard® and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. PayPass™ is a trademark of MasterCard International Corporation.

    American Express® is a trademark of American Express. The Westpac Altitude Black
    American Express Card is issued by Westpac Banking Corporation pursuant to a license from American Express.

  • More about the bonus points offer

    The bonus points depend on your choice of Rewards Program.  Eligible purchases do not include fees, cash, cash equivalent transactions, refunds or balance transfers debited from the card account. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible. In order to be eligible customers must have been charged the standard annual fee. This promotion only applies to one account in the customer’s name and is not available in conjunction with any other promotion other than the balance transfer promotion available at card application and promotional rate on purchases. The bonus points will be added to your points balance (Altitude Rewards or Qantas Frequent Flyer membership account) within three months after the first purchase transaction is debited to your account. The earning and redemption of Altitude Points and Qantas Points is subject to the Altitude Rewards Terms and Conditions and Amplify Qantas Terms and Conditions. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances.  You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points in accordance with the terms and conditions of the Qantas Frequent Flyer program.

  • ^$0 annual fee in first year for existing Westpac customers promotion: To be eligible for this promotion you must be an existing Westpac customer that applies for a new Low Rate, Altitude, Altitude Platinum or Altitude Black card by clicking on the Westpac customers 'Apply now’ button via westpac.com.au or westpac.com.au/mobile between 1 April 2015 and 30 June 2015. Switches, upgrades, customers accessing employee benefits or packages cards are ineligible. Promotion is not available in conjunction with any other promotion other than the current balance transfer available at card application, promotional purchase rate offer or any bonus points offer. The first annual fee will be debited on the 12 month anniversary of the first transaction on your account and annually thereafter on the anniversary of the first annual fee.

Rates

TransactionInterest rates
Purchases20.24% p.a. (variable)
Special purchase rate promotion:
See terms and conditions below.
0% p.a. for 6 months from card approval
Cash advances21.24% p.a. (variable)
Special balance transfer promotion:
See terms and conditions below.
3.99% p.a. for 6 months
Variable cash advance rate applies after 6 months.

Special purchase rate promotion terms and conditions

  • New cards only. Apply between 6 January 2015 and 19 April 2015.
  • Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible for this offer
  • Introductory rate on purchases is not available in conjunction with any promotion other than the special balance transfer promotion available at card application
  • After 6 months, the introductory purchase rate will switch to the variable purchase rate then applicable to your card account.

Special balance transfer promotion terms and conditions

  • The promotional balance transfer rate is available when you apply for a new card between 6 January 2015 and 19 April 2015 and request at application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards
  • The variable cash advance rate will apply to balance(s) transferred but left unpaid at the end of the promotional period and to balance transfers requested at any time after card application
  • Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible
  • The balance transfer rate is not available in conjunction with any other promotion unless specified
  • Balance transfer rate will apply to any balance(s) transferred (min $200 up to 95% of your approved available credit limit) for the promotional period, unless the amount is paid off earlier
  • Card activation will trigger the processing of the balance(s) transferred
  • Interest free days don’t apply to balance transfers
  • Westpac will not be responsible for any delays that may occur in processing payment to your other card account(s) and will not close the account(s).
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    Give us a call

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Things you should know
  •  

  • World MasterCard® and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. PayPass™ is a trademark of MasterCard International Corporation.

    American Express® is a trademark of American Express. The Westpac Altitude Black
    American Express Card is issued by Westpac Banking Corporation pursuant to a license from American Express.

  • More about the bonus points offer

    The bonus points depend on your choice of Rewards Program.  Eligible purchases do not include fees, cash, cash equivalent transactions, refunds or balance transfers debited from the card account. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible. In order to be eligible customers must have been charged the standard annual fee. This promotion only applies to one account in the customer’s name and is not available in conjunction with any other promotion other than the balance transfer promotion available at card application and promotional rate on purchases. The bonus points will be added to your points balance (Altitude Rewards or Qantas Frequent Flyer membership account) within three months after the first purchase transaction is debited to your account. The earning and redemption of Altitude Points and Qantas Points is subject to the Altitude Rewards Terms and Conditions and Amplify Qantas Terms and Conditions. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances.  You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points in accordance with the terms and conditions of the Qantas Frequent Flyer program.

  • ^$0 annual fee in first year for existing Westpac customers promotion: To be eligible for this promotion you must be an existing Westpac customer that applies for a new Low Rate, Altitude, Altitude Platinum or Altitude Black card by clicking on the Westpac customers 'Apply now’ button via westpac.com.au or westpac.com.au/mobile between 1 April 2015 and 30 June 2015. Switches, upgrades, customers accessing employee benefits or packages cards are ineligible. Promotion is not available in conjunction with any other promotion other than the current balance transfer available at card application, promotional purchase rate offer or any bonus points offer. The first annual fee will be debited on the 12 month anniversary of the first transaction on your account and annually thereafter on the anniversary of the first annual fee.

Details

Consumer Credit Card - Conditions of Use (PDF (649kb)

Altitude Rewards and Altitude Qantas Terms and Conditions (PDF 193kb)

Westpac Rewards Cards Concierge Service Terms and Conditions (PDF 153kb)

Westpac Credit Cards Complimentary Insurance Policy (PDF 770kb)

 Westpac Rewards Cards Emergency Travel Assistance Terms and Conditions (PDF 162kb)

Credit Card Repayment Protection Product Disclosure Statement (PDF 222kb)
 
Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.

Credit card repayment protection

Optional credit card repayment protection insurance helps cover your card repayment obligations if you lose your job, or are unfit for work due to sickness, injury, or disease.

Credit Card Repayment Protection Product Disclosure Statement (PDF 222kb)

This insurance is issued by Westpac General Insurance Limited ABN 99 003 719 319 (WGIL) and Westpac Life Insurance Services Limited ABN 31 003 149 157 (WLIS) each of which is liable for separate risks under the terms of the policy. This product is distributed by Westpac Banking Corporation ABN 33 007 457 141 (the Bank). The policy is not an investment in or deposit with the Bank. No Westpac Group company (other than the Bank as policy distributor and WGIL and WLIS as the product issuers) has any liability in connection with the policy or this document. The Bank doesn't guarantee payments under the policy.

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Things you should know
  • World MasterCard® and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. PayPass™ is a trademark of MasterCard International Corporation.

    American Express® is a trademark of American Express. The Westpac Altitude Black
    American Express Card is issued by Westpac Banking Corporation pursuant to a license from American Express.

  • More about the bonus points offer

    The bonus points depend on your choice of Rewards Program.  Eligible purchases do not include fees, cash, cash equivalent transactions, refunds or balance transfers debited from the card account. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible. In order to be eligible customers must have been charged the standard annual fee. This promotion only applies to one account in the customer’s name and is not available in conjunction with any other promotion other than the balance transfer promotion available at card application and promotional rate on purchases. The bonus points will be added to your points balance (Altitude Rewards or Qantas Frequent Flyer membership account) within three months after the first purchase transaction is debited to your account. The earning and redemption of Altitude Points and Qantas Points is subject to the Altitude Rewards Terms and Conditions and Amplify Qantas Terms and Conditions. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances.  You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points in accordance with the terms and conditions of the Qantas Frequent Flyer program.

  • ^$0 annual fee in first year for existing Westpac customers promotion: To be eligible for this promotion you must be an existing Westpac customer that applies for a new Low Rate, Altitude, Altitude Platinum or Altitude Black card by clicking on the Westpac customers 'Apply now’ button via westpac.com.au or westpac.com.au/mobile between 1 April 2015 and 30 June 2015. Switches, upgrades, customers accessing employee benefits or packages cards are ineligible. Promotion is not available in conjunction with any other promotion other than the current balance transfer available at card application, promotional purchase rate offer or any bonus points offer. The first annual fee will be debited on the 12 month anniversary of the first transaction on your account and annually thereafter on the anniversary of the first annual fee.