The important numbers
Annual card fee: $250
Variable purchase rate: 20.24% p.a.
Variable cash advance rate: 20.74% p.a.
Interest free days on purchases: Up to 45
Minimum credit limit: $15,000
Why choose the Altitude Black credit card?
The sky's the limit with no cap on earning points. Plus, earn points faster by adding one additional cardholder at no extra cost.
Complimentary insurance covers
Shop and travel with confidence, with complimentary cover for overseas travel, extended warranty, purchase security and transit accidents, as set out in the policy.
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.
Download the app
Complimentary lounge passes
Enjoy up to 2 complimentary passes to the Priority Pass or Qantas Club lounges per year, depending on your program. See FAQs below for details on how to redeem your passes.
Special offer for a limited time
Enjoy 80,000 bonus Qantas or Altitude points when you spend $3,000 on eligible purchases on a new Altitude Black credit card within 90 days from card approval.^
Offer ends 23rd October 2018. New cards only.
Your choice of rewards program
Choose the rewards program to suit you.
Opt in for either Altitude Points or Qantas Points, and earn points for every $1 spent on eligible purchases.
A $50 Qantas Rewards fee applies for customers who choose to earn Qantas Points through the Altitude Qantas rewards program.
Frequently asked questions
As a current Westpac Altitude Black cardholder, you are automatically eligible for complimentary Overseas Travel Insurance cover, provided you:
- Are a permanent Australian resident or you hold a current and valid 457 Visa and live in Australia
- Spend at least $A500 on your travel costs before you leave Australia using one of your Altitude Black cards. This could include return travel tickets, airport or departure taxes, overseas accommodation etc.
- Have a return overseas travel ticket before leaving Australia
- Are not more than 80 years of age when you first become eligible for this cover, by meeting the above conditions.
For full details on complimentary insurance, please see the Complimentary Insurance Policy PDF.
Overseas travel insurance (see policy for details)
- Medical and hospital expenses incurred overseas
- Loss or damage to personal property
- Legal liability
- Rental vehicle excess
- Unexpected cancellation of travel arrangements and other unexpected expenses.
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 card before you leave.
Purchase security insurance
4 months cover against loss, theft or accidental damage for a range of new items purchased in Australia and overseas provided the item is purchased using your 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 new personal items purchased using your Altitude Black card.
Your Altitude Black card comes with a personal concierge service, which you can access through our app or the Altitude Black Card Priority Service line. The team is available to help you 24/7 with jobs such as booking a table at your favourite restaurant, organising flight tickets, finding a gift or locking in accommodation for your next getaway.
|Annual card fee||
|Qantas Rewards fee||
Applies for customers who choose to earn Qantas Points through the Altitude Qantas rewards program.
Foreign transaction fee
Payable as a percentage of the Australian dollar value of any foreign transaction.
Applies for transactions in a foreign currency, or in Australian dollars but processed by an overseas merchant or financial institution.
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 advance fee
||2.0% or $2.50, whichever is higher (max. $150; an additional $2.50 charge applies if account has a positive balance after the transaction). These charges will appear on your statement directly below the relevant cash advance.|
|Duplicate statement fee||$2.00|
|Missed payment charge||$15 each statement cycle that the minimum monthly payment is not paid by the statement due date.|
Things you should know
Credit criteria, fees and charges apply. Offers are not available in conjunction with any special offers that are not listed on www.westpac.com.au. Switches, upgrades or Westpac group staff are ineligible. Offer may be withdrawn or extended at any time. Terms and conditions available on request.
Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.
^Bonus points promotion: The respective bonus points promotion is available when you apply and are approved for a new Altitude Platinum or Altitude Black card between 12th June 2018 and 23rd October 2018 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, 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 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.
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.
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.
Qantas & Partner Classic Reward Seats are subject to capacity controls and availability is limited. The number of seats available depends on the flight, date, season and destination. Some flights may not have any Classic Reward seats available. For Classic Reward flights, taxes, fees and carrier charges are payable in addition to the points required, are subject to change and are quoted at the time of booking. Reward flights must be booked at least 24 hours before scheduled departure (and other advance booking requirements may apply).
Flight Upgrades are subject to capacity controls and availability is limited. Flight upgrades are not available on Classic Rewards or on international airfares booked in E, N, O, P, Q, and X class (which includes some Any Seat Rewards and some Red e-Deals). You must have an eligible paid and confirmed ticket on a Qantas operated service (with a QF flight number on your ticket).
Qantas & Jetstar Any Seat Rewards are available on any flight with a QF or JQ flight number. The points required will be quoted when booked. There is no fixed relationship between the cash price charges by the applicable airline for a seat and the points required to redeem an Any Seat Reward through Qantas Frequent Flyer. Special promotional fares may not apply. Reward flights must be booked at least 24 hours before scheduled departure (and other advanced booking requirements may apply). For more information see qantas.com/frequentflyer. The Jetstar Any Seat Rewards booking service is operated by Carlson Marketing Group (Aust) Pty Ltd trading as Carlson Leisure Travel Service Licence No. 2TA 5778, IATA 02-3-59523.
For more information on the Qantas Frequent Flyer program, visit qantas.com/frequentflyer.
Qantas Club Complimentary Invitations: As a Westpac Altitude Black World Mastercard 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 World Mastercard 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 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 World Mastercard 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 World Mastercard. 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.
Complimentary insurance covers: AWP Australia Pty Ltd, ABN 52 097 227 177, AFSL 245631, of 74 High Street, Toowong, QLD 4066 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708, has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac), of 275 Kent Street, Sydney, NSW 2000 which allows eligible Westpac account holders and cardholders to claim under it as third party beneficiaries. The terms, conditions, limits and exclusions of the group policy are set out in the Westpac Credit Cards Complimentary Insurance Policy which may be amended from time to time. Westpac does not guarantee the insurance. You can get a copy of the policy booklet by downloading the .
Westpac is the credit provider and credit licensee under National Consumer Credit Laws.
World Mastercard®, Mastercard® and the Mastercard brand mark are registered trademarks, and PayPass is a trademark of Mastercard International Incorporated.