Westpac Altitude Black Credit Card (Altitude)

On website

Apply by 31 July 2024

Westpac Altitude Black Credit Card (Altitude)

Balance transfer


Purchase rate

19.99% p.a. ongoing

Annual fee

$150.00 for 1st year


  • Earn up to 150,000 bonus Altitude Points. Receive 100,000 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.
  • Initial $150 p.a. annual fee ($295 p.a. thereafter), applicable to new cardholders only.
  • Earn 6 Altitude points per $1 on Qantas, Jetstar, Singapore Airlines, and Emirates flights bought in Australia, subject to eligibility criteria.

Pros and cons


  • Earn up to 150,000 bonus Altitude Points when you meet the criteria.
  • Additional savings with the $150 first-year annual fee ($295 p.a. thereafter).
  • Earn 1.25 points per $1 spent on eligible purchases
  • Get 2 complimentary lounge passes each year with Priority Pass.


  • The high annual fee of $295 p.a. after the initial year.

About this credit card


Card usage

Apple Pay Enabled
Card Type
Gambling Transactions Allowed
Samsung Pay Enabled


Joint Application Accepted
Minimum Age
18 years
Minimum Credit Rating
Good, Very Good, Excellent
Minimum Income
Temporary Residents Accepted

Additional cardholders

Additional Cardholders
Additional Card Fee Ongoing

Credit limits

Minimum Credit Limit
Maximum Credit Limit


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

Balance transfers

Balance transfer offer

Balance Transfer Rate
Balance Transfer Period
Balance Transfer Fee Percentage

Balance transfer conditions

Balance Transfer From Personal Loan
Balance Transfer Limit Percentage
Balance Transfer Revert Rate

Rates, fees, charges

Cash advances

Cash Advance Rate
21.49% p.a.
Cash Advance Fee
Cash Advance Fee Percentage
Cash Advance Fee Threshold


Purchase Rate Introductory Offer
Purchase Rate Introductory Period
Purchase Rate Ongoing
19.99% p.a.

Account fees

Annual Fee Initial Year
Annual Fee Ongoing
Dishonour Fee
Duplicate Statement Fee
Foreign Exchange Fee Percentage
Late Payment Fee


Rewards program basics

Rewards Program
Altitude Rewards
Rewards Program Annual Fee Initial Year
Rewards Points Expiry

Rewards points per $1 spent

Domestic Rewards Points Earn Rate
Government Rewards Points Earn Rate
Overseas Rewards Points Earn Rate

Additional perks


Cardholder's Domestic Hotel Burglary Insurance
Cardholder's Extended Warranty Insurance
Cardholder's International Travel Insurance
Cardholder's Interstate Flight Inconvenience
Cardholder's Personal Item Theft Cover
Cardholder's Price Protection Insurance
Cardholder's Purchase Protection Insurance
Cardholder's Refund Protection
Cardholder's Transport Accident Insurance

Travel and lifestyle

Airport Lounge Access Included
Concierge Service Included
Complimentary Flight Voucher Included
Complimentary QFF Membership Included

Our review


Customer service

Rates and fees



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, Virgin Australia, 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, THE ICONIC, Spotify Premium, Uber, Uber Eats and Airbnb
  • 1.25 Altitude points per dollar spent* on all other eligible purchases

Sign up bonus points

Get ready for an amazing sign-up perk: Score a hefty 100,000 bonus Altitude Rewards points when you spend at least $4,000 on card purchases within 90 days of getting your account approved. That breaks down to around $1,333 per month, totally doable for those eyeing a black-tier credit card. But wait, there's more! In year 2, upon making your first eligible purchase, you'll snag an extra 50,000 points, bringing the grand total to a whopping 150,000 points.

To give you an idea of what this is worth, 150,000 Altitude points will buy you around $715 worth of retail gift cards delivered electronically. Convert the Altitude points into Velocity frequent flyer points, and the resulting 50,000 points could be used for three return Economy flights between Sydney and Melbourne or Brisbane (46,800 points).

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 Virgin Australia, 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

  • 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.
  • Westpac’s 24/7 concierge service for assistance with travel, entertainment, and restaurant information, recommendations and bookings. There’s also a Black Card Concierge app.
  • Altitude Black Card Priority Service telephone line.

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

The annual fee is typically high

The $295 yearly fee, which includes a supplementary card at no additional cost, is quite standard, considering the benefits of earning points and the added perks. However, newcomers to Westpac can delight in a reduced first-year card fee of $150.

Ongoing interest rates

Anyone interested in a top-of-the-range card like this is unlikely to be concerned by its interest rates since they probably plan to pay off their purchase balance in full every month. But for the record, the purchase interest rate is 19.99% p.a., while the cash advance interest rate is slightly higher at 21.49% p.a.

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.

Is the Westpac Altitude Black worth it?

This card is designed for someone who wants it all — and can afford to pay for it — but still expects top value per dollar spent.

Overall, it is a very strong offer that combines a high points earning rate, generous sign-up bonus points offer, airport lounges passes, and free insurance cover that’s better in many respects than the cover provided by competing cards. And since Altitude Rewards points can be transferred to several frequent flyer programs, there's flexibility and availability when it comes to high-value Business and First Class redemptions.


Reviewed by Credit Card Compare Staff

User reviews


Customer service

Rates and fees



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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