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Why choose this bundle?

Upgrade an Altitude Platinum Mastercard by bundling it with an American Express Westpac Altitude Black Card and access the best features of 2 exciting rewards cards with one application:

  • Get up to 100,000 bonus points (when you meet the minimum spend criteria below)^~
  • Enjoy a high earn rate of up to 5 Altitude Points or 2 Qantas Points for every $1 spent on eligible purchases
  • Plus get access to 2 complimentary American Express lounge passes each year3
  • All for $199 in Annual Card fees for the first year ($349 thereafter).+

How to earn 100,000 bonus points

Offer ends 2nd June 2019. One application, two great Rewards cards.

Receive 60,000 bonus Qantas or Altitude Points

When you apply, are approved and spend $3,000 on eligible purchases on your new Westpac Altitude Platinum 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 Platinum Mastercard

  • Variable purchase rate: 20.49% p.a.
  • Variable cash advance rate: 21.49% p.a.
  • Annual Card fee: $0 annual card fee in the first year ($150 thereafter). +
  • Qantas Rewards fee: An annual $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: $199

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.

An annual $50 Qantas Rewards card fee applies for customers who choose to earn Qantas Points through 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.

Westpac Altitude Platinum Mastercard
  • 1 Altitude Point for every $1 spent on eligible purchases.
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.

 

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.

Westpac Altitude Platinum Mastercard
  • 0.5 Qantas Points for every $1 spent on eligible purchases.
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.

Features of this American Express Westpac Altitude Card bundle

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.

Complimentary insurance covers4

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

24/7 personal concierge services

Have your own personal assistant on call 24/7, from anywhere in the world. They'll help you with anything from finding a restaurant to planning an event, only with the Westpac Altitude Platinum Mastercard.

Access to American Express benefits

Whether it's shopping, dining, travel or entertainment there's an Amex Offer with your name on it. Amex Invites opens the door to access pre-sale tickets to some of your favourite artists and includes reserved seating offers, only with the American Express Westpac Altitude Black Card.


Frequently asked questions
 

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.

As a current American Express Westpac Altitude Card Bundle cardholder, you are eligible for complimentary Overseas Travel Insurance cover, provided:

1. You either permanently reside in Australia or hold a current and valid residency Visa and reside in Australia; and

2. You spend at least $A500 on your prepaid travel costs (i.e. your travel costs that you pay for before leaving Australia) and you charge these costs to one of your American Express Westpac Altitude Bundle cards.  This could include return travel tickets, airport or departure taxes, overseas accommodation etc.; and

3. You have a return overseas travel ticket before departing Australia; and

4. You are 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 read:

Westpac Credit Cards Complimentary Insurance Policy (PDF 764KB)

American Express Credit Cards Complimentary Insurance Policy.

Annual card fee

$0 annual card fee for the first year (saving $150)+

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
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 303KB)

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 on Westpac issued cards. Offer may be withdrawn or extended at any time. Terms and conditions available on request.

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

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.

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

Westpac credit cards are part of the Westpac Group, including St.George, Bank of Melbourne, BankSA and Westpac.

Mastercard® is a registered trademark, and the circles design and Tap & go are trademarks of Mastercard International Incorporated.

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

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 altituderewards.com.au.

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 card fee applies for customers who choose to earn Qantas Points through Altitude Qantas rewards program.


Westpac Altitude Platinum Mastercard

^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 3rd April 2019 and midnight 2nd June 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.

+No annual card fee in the first year promotion: The first year annual card fee waiver is available when you apply for a new Altitude Platinum card between 3rd April 2019 and midnight 2nd June 2019, The first annual card fee will be debited on the 12 month anniversary of the first transaction on your account and annually thereafter.

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.

Rewards Points: The earning and redemption of Altitude Points and Qantas Points is subject to the Altitude Rewards and Altitude Qantas Terms and Conditions. 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. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances. 

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 764KB) which may be amended from time to time. Westpac does not guarantee this insurance.

Concierge Services: Concierge Services are subject to the Westpac Rewards Credit Cards Concierge Service Terms and Conditions (PDF 99KB).

American Express Westpac Altitude Black Card

~Bonus Rewards points for American Express Westpac Altitude Cards: Offer only available to selected Westpac Altitude cardholders who apply online for the new American Express Westpac Altitude Card between 3rd April 2019 and 2nd June 2019, 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. Card Members who currently hold or who have previously held any other American Express Westpac Altitude Card product issued by American Express Australia Limited in the preceding 18 month period are ineligible for this offer.

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.

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.

4. Complimentary insurance covers on the American Express Cards: 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 American Express Westpac Altitude cardholders to claim under it as third party beneficiaries. 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. 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 American Express Westpac Altitude Card Insurance Policy which may be amended from time to time. Westpac does not guarantee this insurance.

3. Complimentary lounge passes disclaimer:

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.