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What is the concierge service on a credit card?

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

  • 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

Consumer Credit Cards - Conditions of Use (PDF 305KB)

Altitude Terms and Conditions (PDF 2MB)

New simplified Credit Card Terms and Conditions and Altitude Terms and Conditions will take effect from 2nd November 2020. See notice of changes (PDF 26KB) for more details.

Westpac Credit Cards Complimentary Insurance Policy (PDF 297KB)

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.

6. Rewards Points: The earning and redemption of Altitude Points and Qantas Points are subject to the Altitude Terms and Conditions. Purchases that are not eligible to earn Rewards Points are set out in 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. Refer to the Altitude Terms and Conditions for information on how you earn points on transactions. Qantas Points earned during a statement cycle are added to your respective Points balance on a monthly basis.

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

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

Concierge Services are provided by a third party supplier. For further details including terms and conditions visit

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 297KB) which may be amended from time to time. Westpac does not guarantee this insurance.

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