Westpac Altitude Black Credit Card (Altitude)

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Westpac Altitude Black Credit Card (Altitude)

3.7

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Interest-free days

Up to 45 days on purchases

Annual fee

$200.00 for 1st year

Highlights

  • Earn up to 180,000 bonus Altitude Points. Receive 130,000 Altitude bonus points by spending $6,000 on eligible purchases within 120 days of card approval. Additionally, get 50,000 points after your first eligible purchase in year 2. Exclusions apply.
  • Earn 6 Altitude points per $1 on Qantas, Jetstar, Singapore Airlines, and Emirates flights bought in Australia, subject to eligibility criteria.
  • Redeem your points for gift cards, travel, transferring to partner airline programs, and other rewards.
  • Get 2 free Priority Pass lounge visits each year.
  • Use the Concierge Service to book experiences online, including exclusive tickets, last-minute reservations, and more.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.

Pros and cons

Pros

  • Earn up to 180,000 bonus Altitude Points when you meet the criteria.
  • The discounted annual fee for the first year.
  • Earn 2 points per $1 spent at Spotify Premium, David Jones, Myer, THE ICONIC, Airbnb, Uber and Uber Eats
  • Earn 1.25 points per $1 spent on other eligible purchases.
  • No limit on the points you can earn, which is great for high spenders.
  • Add 1 additional cardholder at no extra cost.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • The high annual fee of $295 p.a. after the initial year.
  • There is no introductory balance transfer offer, so it’s better suited for everyday spending than consolidating debt.
  • A 3% fee applies to foreign transactions made with your card.

About this credit card

Basics

Card usage

Apple Pay Enabled
Yes
Card Type
Mastercard
Gambling Transactions Allowed
Yes
Samsung Pay Enabled
Yes

Eligibility

Joint Application Accepted
No
Minimum Age
18 years
Minimum Credit Rating
Good, Very Good, Excellent
Minimum Income
$75,000.00
Temporary Residents Accepted
Yes

Additional cardholders

Additional Cardholders
1
Additional Card Fee Ongoing
$0.00

Credit limits

Minimum Credit Limit
$15,000.00
Maximum Credit Limit
$75,000.00

Repayments

Interest Charged From
Purchase date
Interest Free Period
Up to 45 days on purchases
Minimum Repayment Percentage
3%

Balance transfers

Balance transfer offer

Balance Transfer Rate
N/A
Balance Transfer Period
N/A
Balance Transfer Fee Percentage
N/A

Balance transfer conditions

Balance Transfer From Personal Loan
No
Balance Transfer Limit Percentage
N/A
Balance Transfer Revert Rate
21.49%

Rates, fees, charges

Cash advances

Cash Advance Rate
21.99% p.a.
Cash Advance Fee
N/A
Cash Advance Fee Percentage
3%
Cash Advance Fee Threshold
N/A

Purchases

Purchase Rate Introductory Offer
N/A
Purchase Rate Introductory Period
N/A
Purchase Rate Ongoing
20.99% p.a.

Account fees

Annual Fee Initial Year
$200.00
Annual Fee Ongoing
$295.00
Dishonour Fee
N/A
Duplicate Statement Fee
N/A
Foreign Exchange Fee Percentage
3%
Late Payment Fee
$15.00

Rewards

Rewards program basics

Rewards Program
Altitude Rewards
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
None

Rewards points per $1 spent

Domestic Rewards Points Earn Rate
1.25
Government Rewards Points Earn Rate
N/A
Overseas Rewards Points Earn Rate
1.25

Additional perks

Insurance

Cardholder's Domestic Hotel Burglary Insurance
No
Cardholder's Extended Warranty Insurance
Yes
Cardholder's International Travel Insurance
Yes
Cardholder's Interstate Flight Inconvenience
Yes
Cardholder's Personal Item Theft Cover
No
Cardholder's Price Protection Insurance
No
Cardholder's Purchase Protection Insurance
Yes
Cardholder's Refund Protection
No
Cardholder's Transport Accident Insurance
Yes

Travel and lifestyle

Airport Lounge Access Included
Yes
Concierge Service Included
Yes
Complimentary Flight Voucher Included
No
Complimentary QFF Membership Included
N/A

History

    User reviews

    Convenience

    Customer service

    Rates and fees

    Rewards

    Trust

    Just like any other card, but with bells

    Reviewed by Brian


    Not sure what I would do without it

    Reviewed by Tony P


    Value and convenience

    Reviewed by Phillip McW


    Happy with this card

    Reviewed by Black westpac card


    Generally very pleased with this card

    Reviewed by veevee


    I redeem rewards points for gift cards

    Reviewed by Diane


    I trust Westpac

    Reviewed by ADAM


    Nice features but read the fine print

    Reviewed by Jm.jazzy


    Very happy with this card

    Reviewed by Mark Belkind


    Worth it for the rewards... maybe?

    Reviewed by Susan


    Banking with the best

    Reviewed by Jules


    Very good

    Reviewed by Mel


    Generally a good card

    Reviewed by Oscar


    Love the rewards

    Reviewed by Sandra


    Annual fee is extremely high

    Reviewed by Sam


    This card gives me wings

    Reviewed by Kerryanne Kelly


    Good card for accruing points and getting rewarded

    Reviewed by Jacquie


    Premium package

    Reviewed by Brenda


    Great card

    Reviewed by Russ


    Back in black

    Reviewed by Julie


    Pleased, but would like unlimited lounge access

    Reviewed by Ravi


    The card I save with

    Reviewed by Glenys


    The rewards are fantasic

    Reviewed by Daniel


    Trustworthy card, great service

    Reviewed by Cheryl


    Pay it off on time and enjoy good rewards

    Reviewed by Russ


    Happy with service

    Reviewed by Maureen


    Good communication from the bank

    Reviewed by Clem


    Good for tracking spending

    Reviewed by Judy


    Good card for big-spending Westpac loan customers

    Reviewed by Amy


    More points with the AmEx card

    Reviewed by David


    Some cons but more pros

    Reviewed by Phil


    Good rewards system

    Reviewed by Jonno


    A solid offering with good rewards and insurance

    Reviewed by Sarah


    A well-rounded travel and award-ready card.

    Reviewed by Liz


    Love the rewards and service

    Reviewed by Michelle


    Great rewards and service

    Reviewed by Greg


    Great features but comes at a high price

    Reviewed by Avinash


    Saved on balance transfer, earned lots of rewards

    Reviewed by Huan Ling Winnie


    Awful communication and incompetent staff

    Reviewed by Sean


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    As seen on

    Media - The Sydney Morning Herald
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    Media - Daily Mail Australia
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