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The Altitude Black credit card.
Land where you've always dreamt of going.

Make 2018 your year, with 80,000 bonus points when you spend $5,000 within 90 days of card approval, plus your choice of rewards program, and a range of complimentary insurance covers. Offer ends 11th June 2018. New cards only.

Take your rewards to new heights

Offer ends 11th June 2018. New cards only.

80,000 bonus Qantas or Altitude points

when you spend $5,000 on eligible purchases on a new Altitude Black credit card within 90 days from card approval.^


Discounted annual card fee to $250

for the first year, $395 thereafter. New Altitude Black cards only. Exclusions apply.+

The important numbers

Variable purchase rate: 20.24% p.a.

Variable cash advance rate: 20.74% p.a.

Ongoing annual card fee: $395

Altitude Black World Mastercard®

Your choice of rewards program

Opt in for either Altitude Points or Qantas Points, and earn points for every $1 spent on eligible purchases.

Altitude Rewards

For those who want lifestyle rewards, and to be able to redeem points across a range of frequent flyer programs.

Earn rates:

$1 = 1.25 points

Altitude Qantas

For those who want Qantas travel rewards, as well as merchandise from the Qantas store.

Earn rates:

$1 = 0.625 points

Uncapped rewards

There's no limit to the amount of points you can earn with your chosen rewards program, either Altitude Points or Qantas points.

Complimentary insurance cover

This includes Overseas Travel Insurance, Extended Warranty Insurance and Transit Accident Insurance, as set out in your 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

Priority Pass Membership to airport lounges

If you choose Altitude Rewards you can register your Altitude Black World Mastercard to receive two complimentary lounge visits per year to use at over 1000 VIP airport lounges worldwide.#

Register your card at

Two complimentary Qantas lounge passes

If you choose Qantas Rewards, 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 and opt in.

Register and opt in

24/7 Altitude Black Priority Service Line

Contact the Altitude Black Card Priority Service Line at any time of day, from anywhere in the world. Our dedicated team will be ready to take your call and help with lost or stolen cards, making payments and more.

Frequently asked questions

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


Discounted annual card fee to $250 for the first year, $395 thereafter. New Altitude Black cards only. Exclusions apply.+

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 $7.50
Missed payment charge $15 each statement cycle that the minimum monthly payment is not paid by the statement due date.

Follow these tips to minimise credit card fees and charges.

Things you should know

Consumer Credit Cards - Conditions of Use (PDF 7MB)

Credit criteria, fees and charges apply. Offers are not available in conjunction with any special offers that are not listed on Switches, upgrades or Westpac group staff are ineligible. Offer may be withdrawn or extended at any time.

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 8th March 2018 and 11th June 2018 and spend the minimum amount of $5,000 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.

+Discounted annual card fee in first year promotion: The discounted first year annual card fee promotion is available when you apply for a new Altitude Black card between 8th March 2018 and 11th June 2018. The first annual card fee at the discounted rate will be debited to your card account on your first transaction and the full annual card fee, currently $395 (but changing to $250 on 4 April 2018), will be debited annually thereafter. Credit criteria, fees and charges apply.

Rewards Points: The earning and redemption of Altitude Points and Qantas Points is subject to the Altitude Rewards and Altitude Qantas Terms and Conditions. A points cap per statement cycle applies to the Altitude or Altitude Platinum cards. For details, see the Rewards tab on the Altitude and Altitude Platinum product page. 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. Bonus points do not count towards the points cap. 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

Altitude Qantas: In order to earn and redeem points, you must be a member of the Qantas Frequent Flyer program.

Qantas Store Products are for delivery in Australia and New Zealand only (and different products are available in each delivery location). Redemption of points through the online store is subject to terms and conditions (including store terms of use and voucher terms and conditions). See for details.

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 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 Club Lounge Invitations: To be eligible for the two complimentary Qantas Club Lounge invitations, you must register at and then use your Altitude Black 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. Each year you will receive two complimentary lounge invitations once you have made the required spend on selected Qantas products and services.

Qantas Club Lounge Invitations are provided courtesy of Westpac, and are valid for Qantas Club and Qantas operated International Business Lounges only. Not valid in International First Class lounges, Chairman's Lounge, Qantas Domestic Business, Qantas oneworld® alliance airline, partner airline of associated lounges. Each invitation is valid for a single visit before the date specified on the invitation, when travelling with Qantas or Jetstar with a QF or JQ flight number. Access and use is subject to Qantas Club rules.

The two Qantas Club Lounge invitations will be sent to your card account mailing address within 4 weeks of your eligible card spend, provided you are not in breach of the Conditions of Use and your account remains open. The two Qantas Club Lounge invitations will expire on the date printed on the invitations. Qantas Club Lounge invitations will not be issued to customers who do not first register at prior to making the eligible card spend.

Priority Pass Membership: To enrol, go to 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  For full details on terms and conditions, visit Priority Pass website at

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 Credit Cards Complimentary Insurance Policy.

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

Samsung is a trademark of Samsung Electronics Co. Ltd.

World Mastercard®, Mastercard® and the Mastercard brand mark are registered trademarks, and PayPass is a trademark of Mastercard International Incorporated.