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Take your points to a higher altitude.

You can accept your complimentary upgrade by activating the card(s) you’ll receive in the mail in November.

Westpac Altitude Black MasterCard rewards card

What does this mean for you and your account?

Our rewards credit cards are changing.

On 1 July 2017, the Reserve Bank of Australia introduced new regulations which affect all credit cards issued by Australian banks, particularly American Express cards. As a result, Westpac has reviewed its rewards cards and will close all Westpac-issued American Express cards from 4 April 2018.  

If you have an Altitude Platinum Plus American Express® Card linked to your card account, you can continue to use it as usual, until 4 April 2018, with no change to the number of points you earn on eligible purchases. However, if your card is due to expire in March 2018, your Altitude Platinum Plus American Express Card will not be renewed, and will close slightly earlier.

A new Qantas Rewards fee will also apply if you have selected the Altitude Qantas rewards program on your card.

As a valued customer, you deserve additional benefits.

We're offering you a complimentary upgrade from Altitude Platinum Plus to our Altitude Black credit card, bringing you access to new benefits, including:

  • complimentary airport lounge visits – up to 2 per year
  • a higher points earn rate


There will be no change to your Annual Card Fee, interest rate, PIN and credit limit as a result of this upgrade.
If you choose not to activate your new Altitude Black cards, you can continue to use your Altitude Platinum Plus cards as usual. Below, we’ve outlined what will change for both your current and new cards, should you choose to activate them when they arrive in November.

Changes to Altitude Rewards.

Existing Altitude Platinum Plus account.

Altitude Points
Earned per $1 spent on eligible purchases
Current
4 April 2018
Mastercard 1 (no change)
1 (no change)
American Express Card 2.5
Closed
Points cap (per statement cycle) 7,500
Uncapped

 

New Altitude Black account.

Altitude Points
Earned per $1 spent on eligible purchases
Current
4 April 2018
Mastercard 1.25 (no change)
1.25 (no change)
American Express Card 2.5
Closed
Points cap (per statement cycle) Uncapped Uncapped

 

Changes to Altitude Qantas.

Existing Altitude Platinum Plus account.

Qantas Points
Earned per $1 spent on eligible purchases
Current
4 April 2018
Mastercard/Visa Card 0.5 (no change) 0.5 (no change)
American Express Card 1.25 Closed
Points cap (per statement cycle) 3,750 Uncapped
Qantas Rewards Fee^ $0 $50

 

New Altitude Black account.

Qantas Points
Earned per $1 spent on eligible purchases
Current
4 April 2018
Mastercard 0.625 0.75
American Express Card 1.25 Closed
Points cap (per statement cycle) Uncapped (no change) Uncapped (no change)
Qantas Rewards Fee^ $0 $50

 

Frequently asked questions.

 

Here are some FAQs to help you:

Your Annual Card Fee will reflect your Altitude Platinum Plus Annual Card Fee.

If applicable, a Qantas Rewards Fee will be charged if your card is linked to the Altitude Qantas rewards program, on either your existing or replacement card account. This fee is not a result of the upgrade. For more information on the Qantas Rewards Fee refer to question “What is the Qantas Rewards Fee?”

Yes. Your replacement Altitude Black cards will have different card numbers and expiry date.

To activate your new Altitude Black cards visit westpac.com.au/activate or call 1300 308 930.

Your credit card account balances and any balance transfers on your current card account will be transferred to the replacement Altitude Black account. The same variable interest rates and promotional period will apply to the balances transferred across.

Yes. You’ll still be able to view your past statements on your current Altitude Platinum Plus card account, under Statements > Closed Accounts. Any statements from the past 7 years can also be ordered by calling the Black Priority Service line on 1300 651 999 (charges may apply). Remember to download and save your statements for your records.

Yes. If you have recurring automatic payments set up on your current cards to pay off merchant bills, you’ll need to contact the merchant directly and provide them with your new card details.

If you have set up Card Autopay on your current account, the Card Autopay details will be automatically transferred across to your Altitude Platinum card account.

Yes. Your statements will be issued as Altitude Black when you activate your replacement cards. Your new statements will be issued with a new account number and your BPAY payment details will change.

Yes. Your statement cycle won’t change, and you’ll continue to receive statements as normal each month. You’ll also continue to receive up to 45 days interest free on purchases when you pay the full closing balance, including any balance transfer amount by the statement due date.

Once you activate your replacements cards, securely destroy your old Altitude Platinum Plus cards.

If you choose not to upgrade to Altitude Black, you can continue to use your Altitude Platinum Plus cards as usual.

Bank-issued American Express cards fall under the new Reserve Bank of Australia regulations. In response, we have reviewed our reward cards and will no longer offer American Express cards issued by Westpac.

Yes. You can request a Westpac-issued American Express card until 1 February 2018. However, that card will close on 4 April 2018.

No. These changes will not impact your points balance.

Altitude offers a choice of rewards programs – Altitude Rewards (earning Altitude Points) and Altitude Qantas (earning Qantas Points). A Qantas Rewards Fee applies, from 4 April 2018, if you have selected Altitude Qantas on your card. If applicable, this fee is charged every year on or after the anniversary of your first purchase or cash advance transaction made on your card account, for as long as you remain in the Altitude Qantas program. This fee will form part of your outstanding balance and if applicable, interest will apply per the Combined Conditions of Use and Credit Guide. (PDF 258KB)

The information set out in the letter may not reflect recent changes you have made. If you’ve switched rewards program or changed credit cards recently please visit westpac.com.au/card-changes to see the changes relevant to your new card.

The changes will be reflected in your Combined Conditions of Use and Credit Guide available at westpac.com.au/cards-conditions-of-use

Things you should know

Consumer Credit Cards - Conditions of Use (PDF 258KB)

Terms and conditions, fees and charges apply. These may change or we may introduce new ones in the future.

^Altitude offers a choice of rewards programs (Altitude Rewards and Altitude Qantas) and a Qantas Rewards Fee applies if you have selected Altitude Qantas on your card. The Qantas Rewards Fee of $50 including GST, if GST applies, is payable each year at the same time as your annual card fee for as long as you remain in the Altitude Qantas program.

Altitude Rewards: The earning and redemption of Altitude Points is subject to the Altitude Terms and Conditions. (PDF 124KB) You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances. Bonus points do not count towards the points cap.

Altitude Qantas: The earning and redemption of Qantas Points is subject to the Altitude Terms and Conditions (PDF 124KB). 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. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances. Bonus points do not count towards the points cap.

Lounge Access (Altitude Rewards customers only): Lounge usage in excess of two visits and all guest visits will be charged directly to your Altitude Black American Express Card at the visit fee of currently US$27 per person, per visit. The first two visits within each 12 month membership 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 US$27 per visit, which will automatically be charged on the cardholder's Altitude Black American Express Card. The Westpac Foreign Transaction Fee will apply to the conversion amount. The date of visits determine which year of membership the visit is allocated to.  Unused visits cannot be carried forward to the following year of membership.  The number of free visits will be reset to two per each 12-month period.  For full details, visit prioritypass.com/conditions-of-use

Qantas Club Lounge Invitations (Altitude Qantas customers only): To be eligible for the two complimentary annual Qantas Club Lounge invitations, you need to first register at altitudeblack.com.au and then use your Altitude Black 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. Each year, you’ll receive two complimentary lounge invitations once you have made the required spend on selected Qantas products and services. Qantas Club Lounge invitations are provided courtesy of Westpac, and are valid for Qantas Club and Qantas operated international Business Lounges only. 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 date specified on the invitation, when travelling with Qantas or Jetstar with a QF or JQ flight number. Access and use is subject to Qantas Club rules, which are available at qantas.com/qantasclub The two Qantas Club Lounge invitations will expire on the date printed on the invitations. Qantas Club Lounge invitations won’t be issued to customers who don’t firstly register at altitudeblack.com.au prior to making the eligible card spend.

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.