Westpac Altitude Black Credit Card's | Details & Review

Westpac Altitude Black Credit Card (Altitude)

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Card features
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Westpac Altitude Black Credit Card (Altitude)
Apply by 05 aug 20
39 reviews
Westpac Altitude Black Credit Card (Altitude)
Receive 150,000 Altitude bonus points (terms and conditions apply).
Earn up to 6 Altitude points per $1 spent (terms and conditions apply).
2 complimentary passes per year to use at over 700 VIP Priority Pass airport lounges worldwide.
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Altitude Rewards
Altitude Rewards
after spend criteria

Pros & cons

What's good?

What's not so good?

Receive 150,000 Altitude bonus points when you spend $4,000 on eligible purchases within 90 days of card approval. Exclusions apply. Qantas rewards fee applies.
Earn 6 Altitude Points per dollar spent up to $10,000 per calendar month on flights purchased in Australia directly with Qantas, Jetstar, Emirates and Singapore Airlines, then 1.25 points per $1 spent thereafter.
Earn 2 Altitude Points per dollar spent on overseas spend and with David Jones, Myer, THE  ICONIC, Spotify Premium, Uber, Uber Eats and Airbnb.
Earn 1.25 Altitude Points per dollar spent on all other eligible purchases.
Redeem Altitude points through Altitude Black Travel Service or convert your points into Malaysia Airline’s Enrich, Air New Zealand Airpoints, Singapore Airlines KrisFlyer, Cathay Pacific AsiaMiles.
Enjoy two (2) complimentary passes per year to use at over 700 VIP Priority Pass airport lounges worldwide.
Complimentary Overseas Travel, Extended Warranty and Transit Accident Insurance.
For information about Frequent Flyer points earning rate of this card, please click here: Qantas
The $250 p.a. annual fee is considerable.

The interest free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Disclaimer (2): Reviews rely upon third party information that may not be correct or may be changed without Credit Card Compare’s knowledge. You must carefully consider your own circumstances before making any commitments and confirm all offers and terms with credit card providers before accepting them. Please refer to our T&Cs for more.

Our review

Our review of the Westpac Altitude Black Credit Card (Altitude)Reviewed by Yvonne Taylor

Westpac’s credit card designers were certainly at the top of their game when they came up with the Westpac Altitude Black Credit Card (Altitude), which neatly packages most of the features that any credit card user could ask for, even though it comes with the usual hefty fee for a black credit card. If you choose this card, you’ll want to hang around for at least a year to make the most of the multiple benefits, including choice of rewards, high points earning rates coupled with substantial bonus points, and a suite of complimentary benefits.

Westpac’s highest Altitude points earning rate, uncapped

Earn as many Altitude Rewards points as you like, every month, at the following high rates:

  • 6.0 Altitude points per dollar spent up to $10,000 per month, on flights purchased in Australia directly with Qantas, Jetstar, Emirates and Singapore Airlines, then 1.25 points per $1 spent thereafter
  • 2.0 Altitude points per dollar spent on overseas purchases, including online
  • 2.0 Altitude points per dollar spent at David Jones, Myer, THEICONIC, Spotify Premium, Uber, Uber Eats and Airbnb
  • 1.25 Altitude points per dollar spent on all other eligible purchases

‘Golden hello’ bonus points

Effectively a sign-up reward, a whopping 150,000 bonus Altitude Rewards points will be credited to your account, as long as you spend a minimum of $4,000 on purchases with the card within 90 days of account approval. That’s $1,333 per month, an achievable target for most people considering a black-tier credit card.

Redeeming Altitude points

There are plenty of attractive options for redeeming your Altitude points, and once you get your hands on those 150,000 bonus points you’ll feel like a kid in a lolly shop:

  • Exchange Altitude points for frequent flyer points with Singapore Airlines, Air New Zealand and Malaysia Airlines
  • Get a cashback to your card account at the rate 14,100 points per $50
  • Choose a retail gift card, starting at 4,200 points for a $20 eGift card
  • Swap points for cinema tickets, e.g. 19,250 points for two Event Cinemas Gold class tickets
  • Select from a range of merchandise in an online catalogue, including technology, fashion, homewares, wine, and more
  • Pay with points for any card purchase made in the previous 90 days

Almost every conceivable complimentary benefit

This is the area where, on top of the high points earning rate, the card justifies its annual fee.

The extensive, money-saving complementary benefits include:

  • Multi-trip overseas travel insurance for trips lasting up to six months, saving you at least $750 a year for a family policy. Activate the cover by using the card for at least $500 of each person’s prepaid trip expenses.
  • Purchase security insurance, providing four months of loss, theft or accidental damage cover against goods purchased with the card (better than competing cards, which limit the cover to three months).
  • Extended warranty insurance of up to 24 months on card purchases (again, an improvement on competitors’ 12 months maximum extended warranty).
  • Price guarantee cover. Price difference refunded if you find a recent purchase advertised at a lower price in a printed store catalogue within 21 days.
  • Interstate flight inconvenience cover for delays, cancellation, luggage loss or damage during trips of up to 14 days.
  • Rental car excess cover, overseas and in Australia.
  • Transport accident cover, providing cash compensation in the event of a serious accident sustained on public transport or a commercial airline.
  • Two free Priority Pass airport lounge passes, every year.
  • Altitude Black Card Priority Service telephone line

That’s quite a list, and it not only matches but in many cases exceeds the benefits offered with other black cards.

Annual fee typically high

The $250 annual fee (with no extra charge for a supplementary card on the account) is fairly typical, given the points earning rates and attached complimentary benefits.

Interest rates

Anyone interested in a top-of-the-range card like this is unlikely to be concerned by the card’s interest rates, since they probably plan to pay off their purchase balance in full every month. But for the record, the purchases interest rate is 20.49% p.a., while the cash advance interest rate is slightly higher at 21.49% p.a.

Up to 45 interest-free days on purchases, not 55

Some credit cards give you up to 55 interest-free days on purchases, but this isn’t one of them. You’ll get up to 45 days instead, still a valuable benefit, but it does mean that you’ll need to come up with your repayment cash a total of 120 days earlier during the course of a year.

Competing black cards

If you’re in the market for a black card, you’ll need to compare Westpac’s offerings with the ANZ Rewards Black Credit Card, the NAB Rewards Signature Card and the Citi Prestige Card.

Westpac Altitude Black is designed for . . .

. . . someone who wants it all and can afford to pay for it, but still expects top value per dollar spent: a high points earning rate, bonus points, airport lounges passes and free insurance cover that’s better in many respects than the cover provided by competing cards.

Disclaimer: Reviews rely upon third party information that may not be correct or may be changed without Credit Card Compare’s knowledge. You must carefully consider your own circumstances before making any commitments and confirm all offers and terms with credit card providers before accepting them. Please refer to our T&Cs for more.

User reviews

4.1 out of 5.0 based on 39 reviews92% of reviewers would recommend this card

Rates and fees
Customer service

Reviews from users

Awful communication and incompetent staff

Reviewed and not recommended by Sean on 27 Jun 2017

Eventually I was told in writing that they would approve my application if I provided them with payslips and bank details, which I did, after which I heard nothing.

Six weeks later, I called them back to find out why I hadn’t been provided with my card yet, and I was bounced around a Filipino call centre for over an hour, before being told that because I’d disclosed that I own 16% of my employer that I was be deemed to be self-employed. This meant that I was not an employee, which meant that the information I provided was false, which meant that my card application was denied. Unbelievable.

I’m young (38) and I have already made $6m from a standing start, which means that I’m on my way to becoming a very rich old man. This experience has ensured that I will never bank with Westpac ever again.

Saved on balance transfer, earned lots of rewards

Reviewed and recommended by Huan Ling Winnie on 29 Apr 2017

I saved lots of money by using the 0% balance transfer offer. I transferred another bank credit card balance to my Westpac black card.

I also earned lots of rewards points by using the card to pay bills and for shopping.

I got the card as part of my home loan package, so I don’t have to pay an annual fee of $395 again.

Great features but comes at a high price

Reviewed and recommended by Avinash on 27 Apr 2017

This credit card comes with some great handy features such as free travel insurance, extended warranty insurance and global lounge access through Priority Pass network.

The card also comes with complimentary SPG Gold membership, which is good for staying at Sheraton and Le Meridien hotels around the world.

The downside is high interest charges as well as a very high annual fee.

Great rewards and service

Reviewed and recommended by Greg on 26 Apr 2017

This is a very good card with great rewards.

They give very good service with enquiries answered in Australia. Their website is very good and easy to use. They are there to help 24/7, and do help if you need them.

They give reward points quickly and have great rewards.

Love the rewards and service

Reviewed and recommended by Michelle on 04 Apr 2017

My hubby worked for Westpac, so we’re not paying fees. I love the rewards they offer, including vouchers and so much else to choose from.

Whenever I need help I ring the help desk and always get a prompt solution from a representative.

Cards are always replaced quickly if lost. Whenever we had fraudulent transactions they always rang to make sure everything was OK.

A well-rounded travel and award-ready card.

Reviewed and recommended by Liz on 12 Dec 2016

With added benefits of travel insurance with overseas travel, the Westpac Black Altitude card is a standout. It provides a range of gift card options and a good variety of product awards, and a pair of complimentary airport lounge passes annually to use through Priority Pass. This card has it all for avid travellers and shoppers.

A solid offering with good rewards and insurance

Reviewed and recommended by Sarah on 12 Dec 2016

It’s a good card to have if you have a Premier Advantage Home Loan package with Westpac, as the fees are already paid for in the Advantage Package fees.

It’s a reasonable offering for complimentary travel insurance. Rewards are reasonable, although you may wish to switch to Velocity Membership points when there is a promotional period on.

Good rewards system

Reviewed and recommended by Jonno on 11 Dec 2016

This credit card has a great feature in that it allows you to also redeem cash back on purchases using the points that you have available on the card. The items available for purchase using the card are also unique and are quite compelling and make me use my card so I can gain points!

Some cons but more pros

Reviewed and recommended by Phil on 21 Oct 2016

$395 annual fee. Rewards are pretty standard compared to the other big banks. AmEx Velocity (annual fee $349) is better — free domestic flight anywhere plus points, insurance etc)

If I need to speak to a customer rep it is easy (direct phone line).
3 points to the dollar on AmEx, 1.25 points to the dollar on MasterCard. As a family we rack up points quickly, and convert them to fuel and Woolies cards
I’ve had 2 non-authorised transactions in the past, but Westpac was quick to review and rectify.

More points with the AmEx card

Reviewed and recommended by David on 11 Oct 2016

I tend to use the American Express card more than the MasterCard because of the accumulation of points — not that I have ever redeemed any points, but I have accumulated a great many in the hope of one day redeeming them.

Most of my purchases are made online, so the card is convenient. I don’t like carrying lots of cash, so in store the card is convenient.

Show 29 more reviews
Disclaimer: The opinions expressed about credit cards are the reviewer's alone, and do not reflect the views of Credit Card Compare or the credit card issuer. Reviews have not been approved or otherwise endorsed by Credit Card Compare.

The basics

About this card

Card setup
Card tier
Card type
Card use
Credit rating
Gambling transactions allowed
Joint application
Minimum age
18 years old
Minimum income
Minimum income for pensioners
Same as standard
Rewards program
Altitude Rewards
Temporary residents


Additional cardholders
Additional card fee
$0 p.a.

Credit limits

Minimum credit limit
Maximum credit limit


Interest charged from
Purchase date
Interest free period
Up to 45 days on purchases
Minimum repayment

Rates & fees

Ongoing interest rates

Cash advances 1.79% 21.49% p.a.
Purchases 1.71% 20.49% p.a.


Annual fee
$250 p.a.
Cash advance fee
whichever is greater, $2.50 or 2%
Dishonour fee
Duplicate statement fee
Foreign exchange fee
Late payment fee
Over limit fee
Overseas ATM balance fee
Overseas ATM withdrawal fee
Overseas emergency card replacement fee
Transaction verification fee

Rewards & points

Cool stuff you can get with your points

Disclaimer: Points required accurate as of the 31st March 2018.

Rewards program basics

First purchase bonus
150,000 points
Reward points expiry
Never as long as you keep your account active
Rewards program
Altitude Rewards
Spend required for bonus points
$4,000 in 90 days

Earning points with this card

Frequent flyer points
Overseas earn rate
2 pts per $1 spent
Points cap per month
Points cap per year
Points earned on ATO payments
Reward points
1.25 pts per $1 spent

Additional benefits

Airport lounge access
Complimentary flight voucher
Concierge service

Minimum criteria for this card

What you need before applying

Be over 18 years old
You are a resident or citizen of Australia
Earn a regular income of more than $75,000 per year
Have a good credit history
You have your personal details ready to complete the online application
Have not applied for multiple credit cards recently
Temporary residents are eligible
Age Pension, Disability Pension, Veteran's Pension and Widower's Pension are acceptable.
Austudy, Child Support Payments, Family Tax Benefits and Parenting Payments, Foster Care Allowance and Youth Allowance are acceptable.
Joint applications are not allowed
Overseas Pension is not acceptable.
Carer's Allowance is not acceptable.
Disclaimer: The minimum criteria are intended only to be a guide. Your application may still be rejected by the bank even if you can answer 'Yes' to all the minimum criteria. The final decision regarding your application is up to the bank.

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People are happy
Rated 4.8 out of 5 for customer satisfaction.
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