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Earn up to 120,000 bonus points

Offer ends 27th November 2018. One application, two great Rewards cards.

Receive 80,000 bonus Qantas or Altitude Points

When you apply, are approved and spend $3,000 on eligible purchases on your new Westpac Altitude Black Mastercard® within 90 days of Card approval.#

plus

Receive 40,000 bonus Qantas or Altitude Points

When you apply, are approved and spend $3,000 on eligible purchases on your new American Express® Westpac Altitude Black Card within 90 days of Card approval.^

Westpac Altitude Black Mastercard®

  • Variable purchase rate: 20.24% p.a.
  • Variable cash advance rate: 20.74% p.a.
  • Annual Card fee: $250 (plus a $50 Qantas Rewards fee applies for customers who choose to earn Qantas Points through the Altitude Qantas rewards program).
     

Issued and serviced by Westpac

American Express Westpac Altitude Black Card

  • Interest Rate on purchases: 20.24% p.a.
  • Cash advance rate: Cash advances are not available
  • Annual Card fee: $0 for the first year when you apply by 27 November 2018. $199 thereafter.***

Issued and serviced by American Express


Your choice of rewards program

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.

Altitude Rewards

Redeem points with a range of partner airlines. You can also redeem points for merchandise, gift cards and cashback.

American Express® Westpac Altitude Black Card
  • 5 Altitude Points for every $1 spent on eligible purchases in foreign currency,
  • 3 Altitude Points  for every $1 spent on eligible purchases in Australia,
  • 1 Altitude Point for every $1 spent at government bodies in Australia such as Australia Post & the Australian Taxation Office.
Westpac Altitude Black Mastercard
  • 1.25 Altitude Points for every $1 spent on eligible purchases.

 

Altitude Qantas

Redeem points for flights with Qantas,  for merchandise and gift cards through the Qantas store.

Plus earn 1 additional Qantas Point for every $1 spent on selected Qantas products and services in Australia.

American Express® Westpac Altitude Black Card
  • 2 Qantas Points for every $1 spent on eligible purchases in foreign currency,
  • 1.25 Qantas Points for every $1 spent on eligible purchases in Australia,
  • 0.5 Qantas Point for every $1 spent at government bodies in Australia such as Australia Post & the Australian Taxation Office.
Westpac Altitude Black Mastercard
  • 0.75 Qantas Points for every $1 spent on eligible purchases.

Features of Altitude Black

Uncapped points

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

Benefit from a range of complimentary insurances on both the Westpac Altitude Black Mastercard and the American Express Westpac Altitude Black Card, including cover for overseas travel, transit accident, purchase security and extended warranty.


More great reasons to choose Altitude Black

American Express Lounge Access

Enjoy two complimentary visits each year to the American Express Airport Lounge  at either Sydney or Melbourne International Airports, with your American Express Westpac Altitude Black Card.

Two complimentary Qantas lounge invitations

If you choose Altitude Qantas, you are eligible for two complimentary Qantas Lounge invitations per year after your first Altitude Black Mastercard spend on selected Qantas products and services. To take advantage you must register and opt in.

Register your Altitude Black World Mastercard and opt in

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 Altitude Black World Mastercard at altitudeblack.com.au


Frequently asked questions
 

American Express Airport Lounge 

The American Express Westpac Altitude Black Card gives you 2 complimentary visits each year to the American Express Airport Lounge at Sydney or Melbourne International Airports. Simply present your card and boarding pass at either lounge to gain admission.

Qantas Club Complimentary Invitations

If you choose Qantas Rewards, you are eligible for 2 Complimentary Invitations per year after you spend on eligible selected Qantas products and services each year using your Altitude Black Mastercard. You must first register and opt in to take advantage of this feature.

Register and opt in 

Priority Pass Lounge 

If you choose Altitude Rewards you can register your Altitude Black Mastercard to receive 2 complimentary lounge visits per year to use at more than 1000 VIP airport lounges worldwide.

Register your card at altitudeblack.com.au

As a current American Express Westpac Altitude Black Card bundle 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 American Express Westpac Altitude Black Bundle 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 316KB)

American Express Credit Cards Complimentary Insurance Policy 

Overseas travel insurance (see policies 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 one of your American Express Westpac Altitude Black Bundle Cards 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 one of your American Express Westpac Altitude Black Bundle Cards.

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 one of your American Express Westpac Altitude Black Bundle Cards.

Your Altitude Black Mastercard 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.

Fees payable to Westpac (these may change) Amount
Annual card fee

$250

Qantas Rewards fee

$50

Applies annually 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 $2.00
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.

Fees payable to American Express (these may change) Amount
Annual Card Fee $199
Additional Card Fee $0
Dishonour Fee $6 for each dishonour or direct debit rejection.
Late Payment Fee $30
Currency Conversion Fee 3.0% of the converted amount.

Record of Charge Fee

Payable if you or your additional Card Member request a copy of an individual charge.

$7 for charges in Australia.

$10 for other charges.

Additional Statement Fee

Payable if you or your additional Card Member request a copy of an additional posted monthly paper statement.

$10

Over the Counter Fee

Payable if you pay your Card account in person at Australia Post.

$3

 

 

Not quite right?

Find out more about our other standalone or bundle Altitude cards:

Things you should know

Consumer Credit Cards - Conditions of Use (PDF 345KB)

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.

Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.

American Express Westpac Altitude Cards are issued and administered by American Express Australia Limited ABN 92 108 952 085, Australian Credit Licence No. 291313.

American Express will pay a monthly commission to Westpac in relation to your account. As the commission is dependent on all American Express Westpac Altitude customers’ use of their Cards, the amount is not ascertainable.  

Fees or charges in relation to this Card are only payable to American Express, not Westpac.

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

Frequent Flyer Program: 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 award 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.

 

Westpac Altitude Black Mastercard:

#Westpac Altitude Black Mastercard bonus points promotion: When you apply and are approved for a new Westpac Altitude Black credit card between 9th August 2018 and 27th November 2018, and spend the minimum amount of $3,000 on eligible purchases on the Westpac Altitude Black Mastercard within 90 days of 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 Visa Card or Altitude Black Mastercard, 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 on the Westpac Altitude Black credit card: The earning and redemption of Altitude Points and Qantas Points is subject to the Altitude 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.

Qantas products and services: Selected Qantas products and services are Qantas passenger flights (with a QF flight number) purchased on the Qantas merchant account, i.e. directly with Qantas or some travel agents, and Qantas Frequent Flyer and Qantas Club membership joining and annual fees apply. Excludes Jetstar, Qantas Holidays, Qantas branded non airfare products, Qantas Freight and Qantas Staff Travel.  For full Qantas Frequent Flyer Terms and Conditions, visit qantas.com/terms

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

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 345KB)  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

Complimentary insurance covers on the Westpac Altitude Black Mastercard: 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).

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

 

American Express® Westpac Altitude Black Card

^American Express Westpac Altitude Black Card bonus points promotion: Offer only available to Cardholders who apply online for the new American Express Westpac Altitude Black Card between 9th August 2018 and 27th November 2018, are approved and spend $3,000 on eligible purchases on their new Card within 90 days of Card approval date. Bonus Points will be awarded to the eligible Card Member’s account 8-10 weeks after the spend criteria have been met.

***First year Annual Card Fee waiver: The American Express Westpac Altitude Black Card will have a $0 introductory annual Card fee for the first year of Card Membership. After the first year, the annual Card fee will be $199 per year. Offer only available to new American Express Westpac Altitude Black Card Members who apply between 9th August 2018 and 27th November 2018 and are approved.

Altitude Points: The earning of Altitude Points and bonus Altitude Points using an American Express issued Altitude Card is subject to the American Express® Westpac Altitude Cards Points Terms and Conditions available at americanexpress.com/australia/altitude-points-t&c Redemption of Altitude Points is subject to the Altitude Rewards Terms and Conditions available at altituderewards.com.au. You may not be able to redeem Altitude Points if your Card account is in arrears for 2 consecutive statement cycles and in other circumstances. Eligible purchases do not include cash advances, interest, balance transfers, fees and charges for traveller’s cheques and foreign currencies. For the full list of exclusions, please refer to the American Express Westpac Altitude Cards Points Terms and Conditions available at americanexpress.com/australia/altitude-points-t&c  Bonus Points will be awarded to the eligible Card Member’s account 8-10 weeks after the spend criteria have been met. Government: Merchants classified as “government” include the Australian Taxation Office, the Australian Postal Corporation (Australia Post), federal/state and local government bodies

Qantas Points: You must be a member of the Qantas Frequent Flyer program to earn and redeem points. Membership and Qantas Points are subject to the Terms and Conditions of the Qantas Frequent Flyer program. Qantas Points are earned on Eligible Purchases in accordance with and subject to the American Express Westpac Altitude Cards Points Terms and Conditions as long as your account remains current and in good standing.

Selected Qantas products and services in Australia are Qantas passenger flights (with a QF flight number) purchased on the Qantas merchant account i.e. directly with Qantas, Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar, Qantas Holidays and Qantas branded non-airfare products.

American Express Lounge access: Entry into The American Express Lounges is governed by the full Terms and Conditions available at amex.com.au/airportlounge  All entrants must adhere to the General Conditions of Entry. American Express® Westpac Altitude Black card members are entitled to two entries per calendar year to the American Express Lounges, located at Sydney International Airport or Melbourne International Airport. The total entitlement of two entries per calendar year applies across both Sydney and Melbourne Airport Lounges. Complimentary access is available for the Card Member’s children between the ages of 2-17. Card Member’s wishing to bring additional guests may be subject to a charge that is to be processed on the Card Member's American Express card. 

Complimentary insurance covers on the American Express Westpac Altitude Black Card: The American Express Westpac Altitude Card insurance is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits) - see the full Terms and Conditions. You must use your American Express Westpac Altitude Card to prepay $500 of travel costs in order to be covered under the overseas travel  insurance.  AWP Australia Pty Ltd ABN 52 097 227 177, AFSL 245631 (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).  This communication does not take into account your objectives or financial situation.

 

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.