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

Make 2017 your year, with 80,000 bonus points, your choice of rewards program, and a range of complimentary insurance covers. Offer ends 23rd October 2018. New cards only.

From 4 April 2018, there will be important changes to the Altitude cards. To see the changes click here.



Take your rewards to new heights

Offer ends 23rd October 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 rate: $395

Altitude Black World Mastercard®
Altitude Black American Express® card

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

American Express
$1 = 2.5 points  

From 4 April 2018, there will be important changes to the Altitude cards. To see the changes click here.

Altitude Qantas

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

Earn rates:

$1 = 0.625 points

American Express
$1 = 1.25 points

From 4 April 2018, there will be important changes to the Altitude cards. To see the changes click here.

The best parts of Altitude Black

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

More great reasons to choose Altitude Black

Priority Pass Membership to airport lounges

If you choose Altitude Rewards you can register your Altitude Black American Express card to receive two complimentary passes per year to use at over 700 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

Westpac priority Service Line

Your 24/7 number for any credit card questions.

Frequently asked questions

As a current Westpac cardholder, you automatically become eligible for complimentary Overseas Travel Insurance cover – as long as you meet the following criteria:

  1. You're a permanent Australian resident or you hold a current and valid 457 Visa and live in Australia
  2. You spend at least $A500 on your travel costs before you leave Australia using one of your Altitude Black or Platinum cards. This could include return travel tickets, airport or departure taxes, overseas accommodation etc.
  3. You have a return overseas travel ticket before leaving Australia
  4. You're not over 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 316KB)

Things you should know

Consumer Credit Cards - Conditions of Use (PDF 280KB)

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. 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. 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 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

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 (PDF 316KB).

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

Samsung is a trademark of Samsung Electronics Co. Ltd.

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

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