Westpac Altitude Black Credit Card's | Details & Review

Westpac Altitude Black Credit Card (Altitude)

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Card features
balance transfer
purchase rate
annual fee
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Westpac Altitude Black Credit Card (Altitude)
Apply by 11 nov 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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20.49% p.a.
ongoing
$250
ongoing

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.

*150k bonus points currently gets you $500 in cashback or up to $700 in e-Gift cards with Altitude Rewards. You can redeem the points earned on your Altitude Black Altitude Rewards credit card for cash back or gift cards via the Altitude Rewards website. The estimated cashback and gift card value in above examples are based on current redemption rates as at 20th July 2020 and is subject to change without notification. All redemption of Altitude Rewards points are subject to availability and the Altitude Rewards Terms and Conditions.

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.

User reviews

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

Rates and fees
Rewards
Customer service
Convenience
Trust

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

CON:
$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)

PRO:
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
Single
Card tier
Black
Card type
Mastercard
Card use
Personal
Credit rating
Good
Gambling transactions allowed
No
Joint application
No
Minimum age
18 years old
Minimum income
$75,000
Minimum income for pensioners
Same as standard
Pensioners
Rewards program
Altitude Rewards
Temporary residents
Yes

Cardholders

Additional cardholders
1
Additional card fee
$0 p.a.

Credit limits

Minimum credit limit
$15,000
Maximum credit limit
$75,000

Repayments

Interest charged from
Purchase date
Interest free period
Up to 45 days on purchases
Minimum repayment
2%

Rates & fees

Ongoing interest rates

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

Fees

Annual fee
$250 p.a.
Cash advance fee
whichever is greater, $2.50 or 2%
Dishonour fee
$9
Duplicate statement fee
$2
Foreign exchange fee
3%
Late payment fee
$15
Over limit fee
$0
Overseas ATM balance fee
N/A
Overseas ATM withdrawal fee
N/A
Overseas emergency card replacement fee
N/A
Transaction verification fee
$0

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
N/A
Overseas earn rate
2 pts per $1 spent
Points cap per month
Unlimited
Points cap per year
Unlimited
Points earned on ATO payments
N/A
Reward points
1.25 pts per $1 spent

Additional benefits

Airport lounge access
Yes
Complimentary flight voucher
No
Concierge service
Yes

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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