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

  • 0.00% p.a. for 20 months on balance transfers requested at new card application. Variable cash advance rate applies after 20 months. Offer ends 30 September 2015.
  • 0% p.a. purchase rate for 3 months from card approval on new cards only. Apply between 20 April 2015 and 30 September 2015.
  • $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 September 2015.

See 'Things you should know' section below for each of the above promotion's terms and conditions. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible for these offers.

 

Standard variable interest rates

On purchases On cash advances
20.24% p.a. 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.

 

Uncapped points earned per $1 spent on eligible purchases

If you choose Altitude Rewards: If you choose Altitude Qantas:
1.25 points - Altitude Black World MasterCard® (Australian Merchants) 0.625 points - Altitude Black World MasterCard® (Australian Merchants)
3 points - Altitude Black World MasterCard® (Overseas Merchants) 1.5 points - Altitude Black World MasterCard® (Overseas Merchants)
3 points - Altitude Black American Express Card (Australian Merchants and Overseas Merchants) 1.5 points - Altitude Black American Express Card (Australian Merchants and Overseas Merchants)

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    Give us a call

    1300 130 961 

    8am-8pm, 7 days a week

Things you should know
  • Special balance transfer promotion terms and conditions: The promotional balance transfer rate is available when you apply for a new card between 12 August 2015 and 30 September 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).

  • Special purchase rate promotion terms and conditions: New cards only. Apply between 20 April 2015 and 30 September 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 3 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.

  • ^$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 September 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.
  • Complimentary insurance covers: QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 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 calling 1300 651 999.

  • 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.

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 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.

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    Give us a call

    1300 130 961 

    8am-8pm, 7 days a week

Things you should know
  • Special balance transfer promotion terms and conditions: The promotional balance transfer rate is available when you apply for a new card between 12 August 2015 and 30 September 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).

  • Special purchase rate promotion terms and conditions: New cards only. Apply between 20 April 2015 and 30 September 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 3 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.

  • ^$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 September 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.
  • Complimentary insurance covers: QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 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 calling 1300 651 999.

  • 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.

Features

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.

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, register 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.

Extended complimentary insurance

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

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.

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.

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:

  • CardshieldTM
  • Extra security when you shop at participating online retailers Verified by Visa, MasterCard® SecureCode™ and American Express SafeKey® through the Westpac Added Online Security service
  • Falcon® Fraud Protection, 24/7.

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.

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    Give us a call

    1300 130 961 

    8am-8pm, 7 days a week

Things you should know
  • Special balance transfer promotion terms and conditions: The promotional balance transfer rate is available when you apply for a new card between 12 August 2015 and 30 September 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).

  • Special purchase rate promotion terms and conditions: New cards only. Apply between 20 April 2015 and 30 September 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 3 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.

  • ^$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 September 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.
  • Complimentary insurance covers: QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 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 calling 1300 651 999.

  • 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.

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 September 2015. See 'Things you should know' section below for this promotion's terms and conditions.
Westpac foreign transaction fee

This fee is payable on the Australian dollar value of any foreign transaction. The fee varies depending on the card used:

 

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

*This fee is not incurred when the transaction is made in Australian dollars and the merchant or financial institution accepting the card is located overseas. More about this fee.

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.

 

  •  

    Compare credit cards

    Find the best credit card for your needs

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  •  

    Give us a call

    1300 130 961 

    8am-8pm, 7 days a week

Things you should know
  • Special balance transfer promotion terms and conditions: The promotional balance transfer rate is available when you apply for a new card between 12 August 2015 and 30 September 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).

  • Special purchase rate promotion terms and conditions: New cards only. Apply between 20 April 2015 and 30 September 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 3 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.

  • ^$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 September 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.
  • Complimentary insurance covers: QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 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 calling 1300 651 999.

  • 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.

Rates

Transaction Interest rates
Purchases 20.24% p.a. (variable)
Special purchase rate promotion:
See 'Things you should know' below for terms and conditions.
0% p.a. for 3 months from card approval
Cash advances 21.24% p.a. (variable)
Special balance transfer promotion:
See 'Things you should know' below for terms and conditions.
0.00% p.a. for 20 months
Variable cash advance rate applies after 20 months.

 

  •  

    Compare credit cards

    Find the best credit card for your needs

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  •  

    Give us a call

    1300 130 961 

    8am-8pm, 7 days a week

Things you should know
  •  

  • Special balance transfer promotion terms and conditions: The promotional balance transfer rate is available when you apply for a new card between 12 August 2015 and 30 September 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).

  • Special purchase rate promotion terms and conditions: New cards only. Apply between 20 April 2015 and 30 September 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 3 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.

  • ^$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 September 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.
  • Complimentary insurance covers: QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 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 calling 1300 651 999.

  • 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.

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 'Things you should know'.

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 'Things you should know'.

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. 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.

More about 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.

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.


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 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
  • Special balance transfer promotion terms and conditions: The promotional balance transfer rate is available when you apply for a new card between 12 August 2015 and 30 September 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).

  • Special purchase rate promotion terms and conditions: New cards only. Apply between 20 April 2015 and 30 September 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 3 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.

  • ^$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 September 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.
  • Complimentary insurance covers: QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 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 calling 1300 651 999.

  • 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.