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The Altitude Black credit card.
Land where you've been dreaming of.

Go further with 80,000 bonus points, when you spend $3,000 within 90 days of card approval, plus a range of complimentary insurance covers. Offer ends 2nd April 2019. New cards only.^

Take your rewards to new heights

Offer ends 2nd April 2019. New cards only.

Get 80,000 bonus Qantas Points

When you spend $3,000 in eligible purchases on a new Altitude Black credit card within 90 days of card approval.^

plus

Annual card fee of $250

A $50 Qantas Reward annual fee may apply if you have selected Altitude Qantas on your card.

The important numbers

Variable purchase rate: 20.24% p.a.

Variable cash advance rate: 20.74% p.a.

Ongoing annual card fee rate: $250

Qantas Rewards: A $50 Annual Qantas Rewards fee applies for customers who choose to earn Qantas Points through the Altitude Qantas rewards program.

Altitude Black World Mastercard®

A breakdown of how you'll earn points.

With Qantas rewards, you'll earn points on every $1 spent on eligible purchases.

Altitude Black World Mastercard®

(Australian merchants)

Earn rates:

Mastercard
$1 = 0.75 points


The best parts of Altitude Black

Uncapped rewards

There's no monthly limit to the number of Qantas points you earn on every eligible purchase with your Altitude Black card.

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


More great reasons to choose Altitude Black

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.

Earn points faster with an additional cardholder

Earn points faster by adding one additional cardholder (16 years or older) at no extra cost. The primary cardholder is liable for all transactions and will earn all points on eligible purchases made with either card.

Complimentary Qantas Frequent Flyer membership

Choose Altitude Qantas and enjoy a complimentary Frequent Flyer program membership for the nominated primary cardholder, if they are not yet a member. This offer is available on new cards for a limited time. Normally $89.50.


Frequently asked questions
 

As a current Westpac Altitude Black cardholder, you are automatically eligible for complimentary Overseas Travel Insurance cover, provided you:

  1. Are a permanent Australian resident or you hold a current and valid 457 Visa and live in Australia
  2. 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.
  3. Have a return overseas travel ticket before leaving Australia
  4. 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.

Westpac Credit Cards Complimentary Insurance Policy (PDF 6MB)

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

$250

Qantas Rewards fee

$50

Applies for customers who choose to earn Qantas Points through the Altitude Qantas rewards program.

Foreign transaction fee

3.0%

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
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 304KB)

Switches, upgrades, or Westpac Group staff are ineligible. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion. The bonus points offer is available to customers who apply or are approved via this website (offer not available in branch or via call centres) for a new Altitude Black credit card between 28th November 2018 and 2nd April 2019.

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

^Bonus Rewards Points Promotion for Westpac Altitude Cards:  The respective bonus points promotion is available when you apply and are approved for a new Altitude Platinum or Altitude Black card between 28th November 2018 and midnight 2nd April 2019 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, payments to the Australian Tax Office, 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 Earth Platinum, Earth Platinum Plus, Earth Black, 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. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances.

You do not earn Altitude Points or Qantas Points on payments to the Australian Taxation Office.

Altitude Qantas: In order to earn and redeem points, you must be a member of the Qantas Frequent Flyer program. An annual $50 Qantas rewards fee applies for customers who choose to earn Qantas Points through the Altitude Qantas Rewards 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 qantas.com/store 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 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 Credit Card Conditions of Use (PDF 304KB)  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

4. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible Westpac cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the Westpac Credit Cards Complimentary Insurance Policy (PDF 6MB) which may be amended from time to time. Westpac does not guarantee this insurance.

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.