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Earn up to 120,000 bonus points

Offer ends 2nd April 2019. 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: $0 annual card fee for the first year, $250 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: $0 for the first year when you apply by 2 April 2019. $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

Accelerated rewards 

Use two cards to earn points towards one points balance, with no limit. Plus, enjoy a higher points earn rate on the American Express Card, so you can reward yourself sooner.

Insurance covers

Shop and travel with confidence, with complimentary cover for overseas travel, extended warranty, purchase security and transit accidents, as set out in the policies.

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

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.

Things you should know

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

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.The promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion. The bonus points and first year annual card fee waiver is available to customers who apply via this website (offer not available in branch or call centres) and are approved for a new American Express Westpac Altitude Black bundle between 28 November 2018 and 2 April 2019. Terms and conditions available on request.

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. 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.

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 28 November 2018 and 2 April 2019, 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, 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 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.

* Westpac Altitude Black Mastercard Annual Card fee Waiver: $0 first year Annual Card fee promotion. The first year $0 Annual Card fee waiver for the first year is available when you apply for a new Westpac Altitude Black Card between 28 November 2018 and 2 April 2019. The first annual card fee of $250 will be debited on the 12 month anniversary of the first transaction (including balance transfers) on your account and annually thereafter. Note: This promotion does not apply for the Qantas Rewards fee and a fee of $50 applies for customers who choose to earn Qantas Points through the Altitude Qantas rewards program.

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  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 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), 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.

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 28 November 2018 and 2 April 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.

***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 28 November 2018 and 2 April 2019 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.