What is the concierge service on a credit card?
Important Notice
From 1 October 2026, we’re making changes to the Westpac Credit Cards Complimentary Insurance Policy. Find out more
Black Mastercard credit cards come with a complimentary concierge service. But how does this work and how useful is it for you?
The Personal Concierge Service is available 24/7 online or by phone. The kind of assistance the service can provide is designed to help make life easier (and more fun) for Black cardholders.
Here are just some of the ways your concierge may be of service. You can use them as a starting point – let your imagination be your guide.
- Travel arrangements
- Holiday activities
- Dining and entertainment
- Gifts and shopping
- Special occasions
- Business, work and home
Travel arrangements
- Finding flight information
- Recommending and booking hotels
- Car rental bookings and car service information.
Holiday activities
- Health club recommendations and reservations
- Golf information and reservations
- Information on festivals, museums, galleries and events
- Recommending and booking personal trainers
- Booking massages and spa treatments.
Dining and entertainment
- Restaurant recommendations and reservations
- Getting tickets for shows, concerts and sporting matches
- Finding details of events and shows in cities worldwide.
Gifts and shopping
- Recommending the best shopping
- Floral arrangement and delivery
- Sourcing, purchasing and delivery of gifts and other items.
Special occasions
- Party planning
- Arranging hospitality packages
- Booking hair and makeup appointments.
Business, work and home
- Referrals to conference and business services
- Computer and technology rental.
If you’re the type of person who’d enjoy having these services at your beck and call, you’ll find they’re available on Altitude Black credit cards.
Things you should know
Westpac Credit Cards Complimentary Insurance Policy (PDF 721KB) – Effective 23 February 2023 (Where you have met the eligibility criteria prior to 1 October 2026)
Westpac Credit Card Domestic Complimentary Insurance Policy Information Booklet (PDF 513KB) - Effective 1 October 2026 (where you have met the eligibility criteria on or after 1 October 2026)
Westpac Credit Card International Travel Insurance, Product Disclosure Statements (PDF 1MB) - Effective 1 October 2026 (where you have met the eligibility criteria on or after 1 October 2026)
Credit criteria, fees and charges apply.
This information does not take into account your financial needs, individual circumstances or objectives. Read the terms and conditions before making a decision and consider whether the product is appropriate for you.
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: To earn and redeem points, you must be a member of the applicable rewards program. Additional fees may apply and vary by rewards program. See the applicable card's product page for details. For more information on the Altitude Rewards program, visit Altitude Rewards.
Altitude Qantas: To earn and redeem points, you must be a member of the applicable Frequent Flyer program. Annual Rewards Program fees apply and vary by rewards program. See the applicable card's product page for details.
Altitude Velocity: To earn and redeem points, you must be a member of the applicable Frequent Flyer program. Annual Rewards Program fees apply and vary by rewards program. See the applicable card's product page for details.
4. Complimentary travel insurance covers:
AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), 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 persons to claim under it as third party beneficiaries. Access to the benefit of cover under the Credit Card Complimentary Insurance is provided to eligible Westpac cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). If an eligible person wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits contained in the relevant Policy Information Booklet and/or Product Disclosure Statements which may be amended from time to time. This insurance is underwritten by Allianz. Westpac does not guarantee this insurance. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it.
On or before 30 September 2026 (where you meet the eligibility criteria on or before that date) the following Policy Information Booklet will apply: Complimentary Insurance Policy Information booklet (PDF 721KB).
From 1 October 2026 the following policy documents will apply: Policy Information Booklet (regarding the Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia) (PDF 513KB) and/or Product Disclosure Statements (for the Complimentary International Medical Travel Insurance) (PDF 1MB). The Target Market Determination for the Complimentary International Medical Travel Insurance is available at www.allianzpartners.com.au/policies/
Rewards Points: The earning and redemption of Altitude Points, Velocity Points and Qantas Points are subject to the Altitude Terms and Conditions (PDF 186KB). Purchases that are not eligible to earn Rewards Points are set out in the Altitude Terms and Conditions (PDF 186KB). You do not receive points if you have not paid the Minimum Payment Due in full and on time and in other circumstances. Points earnt for PartPay (PDF 96KB) Purchases are based on the full value of the purchase, and not on each instalment amount. Qantas and Velocity Points earned during a statement cycle are added to your respective Points balance on a monthly basis.
Concierge Services for Altitude Black. Concierge services are provided by a third party supplier. For further details including terms and conditions visit westpac.tenconcierge.com
Westpac is the credit provider and credit licensee under National Consumer Credit Laws.