westpac altitude black travel insurance review

Westpac Altitude Black Credit Card (Altitude)

• 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.

Convenience

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 Yvonne Taylor

Lead Product Analyst

User reviews

Just like any other card, but with bells

Reviewed by Brian

I mainly use a credit card because of the convenience. The points are handy for clothing store gift cards. Statements are easy to read online. Westpac security is good and calls answered asap. The people at my branch are very helpful even when standing in line at the counter. Also very friendly without being over the top.

Not sure what I would do without it

Reviewed by Tony P

The new Black card replaced my old Westpac card which personally has no advantage to me. The yearly fee is high, but as my account is paid each month by direct debit I do not pay any interest. The card is very useful and is accepted almost everywhere around the world. I’m not sure what I would do without it.

Value and convenience

Reviewed by Phillip McW

Very convenient and widely accepted both locally and overseas. Has a great rewards program with flexibility and the best range of products I have seen which represent great value. Very fast, efficient and friendly service and always willing to support and help with explanations and any questions or queries you have.

Happy with this card

Reviewed by Black westpac card

I have been using Westpac for 15 yrs. Customer service is good. Rewards is excellent. Never had any frauds or misuse. Very satisfied customer. Any issues they call for feedback about experience with inquiry. Online banking is great with secured site. Just recently change into black card and done everything for me for all my direct debits with letters ready to be sent to corresponding institutions. Follow up calls if everything is okay with cards. Attached to my home loan with free annual fee. Saves me money.

Generally very pleased with this card

Reviewed by veevee

If there are ever any problems, I just have to contact them, and the problem has been dealt with quickly. Also ease of Internet banking, and being able to keep check of my account, any time of day or night and they will contact me if any unusual transaction takes place that is not normal.

I redeem rewards points for gift cards

Reviewed by Diane

I can actually make money from this card. By paying the statement balance in full each each month, over the past 5 years I average about $1000 in redeemed gift cards to use where i like on what i like rather then utilising their product rewards.

I trust Westpac

Reviewed by ADAM

Westpac are the only bank i give my full recommendation to. They will help you in every way possible to give you the right products and services. They match your situation to the right product every time and are completely open with fees and charges and ways to save money.

Nice features but read the fine print

Reviewed by Jm.jazzy

Cool looking card offers great features but claiming them is difficult e.g. travel insurance needs minimum spend before you leave, per person. Card was suspended despite us telling them we were in US, as we shopped at Walmart. Required international $$$$$ phone call to fix. Exchange rate good. Interest rate high.

Very happy with this card

Reviewed by Mark Belkind

Using Altitude card for a long time. When contacted customer service is very helpful. On two occasions when security of the cart was bridged, Westpac acted really quickly in informing as and replacing card. I using this card almost for all payments and found it very convenient way in dialling in different financial maters.

Worth it for the rewards... maybe?

Reviewed by Susan

I use this card for the convenience in that it is linked to my home loan account. I find it very helpful in terms of the fact that I am easily able to book accommodation using points accrued. I also think the Black Card Helpline is an example of particularly good service. However, I am not impressed by the amount of fees I have to pay.

Banking with the best

Reviewed by Jules

For customer service and a quality brand with a great reputation who you trust completely, Westpac is where to bank. Whenever I need to call, whether for my mortgage, credit card or something miscellaneous, the staff is responsive, helpful and knowledgeable. I feel looked after with Westpac and confident about who’s handling my money! And with everything handled in Australia, I like knowing that Westpac is helping many Australians and helping build a better Australia.

Reviewed by Mel

I got this card as it was offered with my home loan, which it is linked to. It has a 45 day interest free period. You also earn points that can be redeemed with a good variety of goods and services.

Generally a good card

Reviewed by Oscar

This is a good and easy card to use. The rewards are quite good and you get extra points if you use their Bonus Partners or the American Express. The only problem is that a lot of merchants don’t except the AmEx or charge extra for it. The points never run out so can be used indefinitely, which is good, and there are a lot of different options for cashing out such as products, gift vouchers, and flights. The statement is straightforward and easy to understand.

Love the rewards

Reviewed by Sandra

Rewards are good, but the annual fee of $100 isn’t. I have both the MasterCard and the AmEx which gives me another option if AmEx isn’t accepted. The interest rates aren’t that great, but as I pay it off monthly that doesn’t worry me. The reason I got this card is mainly for rewards.

Annual fee is extremely high

Reviewed by Sam

I think the cards are good looking and having a MasterCard with American Express is a great idea as many businesses do not accept AmEx. Rewards look great too. The annual fee, however, is an absolute rip off in my opinion. I think Westpac thinks they are AmEx Centurion or Visa Infinite, but they are not!

This card gives me wings

Reviewed by Kerryanne Kelly

These cards have attitude. They allow me to use them for every purchase everywhere so my points can fly me to anywhere. I don’t have an annual fee while it’s connected to my mortgage and it has complimentary travel insurance.

It should offer more points though because not all retailers accept AmEx.

Good card for accruing points and getting rewarded

Reviewed by Jacquie

Westpac Altitude Black Credit Cards offer you dual credit cards on one easy to read monthly account statement. A MasterCard and an American Express card to help you earn Altitude points faster. With Altitude Rewards, you get rewarded for doing your everyday shopping throughout the year. These points can be easily converted into shopping gift vouchers, which is great at Christmas time. Furthermore, you have the peace of mind that you’re dealing with a trusted brand with great customer service.

Premium package

Reviewed by Brenda

I pay no annual fee and receive the highest possible rate of reward points. Customer service has been impeccable every time I have used them. I enjoy the free travel insurance, concierge services, airport lounge admissions and borderlinx international shipping service. The card makes it easy to shop and travel anywhere I go.

Reviewed by Russ

We transferred our card from another lender and got a great balance transfer deal. The rewards program is awesome with 2 card options to maximise points. The interest rate is good and as long as you pay on time you have no issues. A decent payment and interest-free period gives you great control over your budget.

Back in black

Reviewed by Julie

With our mortgage and classic checking/savings account at Westpac, this was the perfect card for my husband and I.

While accruing points for worthwhile gifts is no longer an easy thing, as we use the card for truly any and everything we can, including even the smallest purchase, we’ve got some significant gift cards for Myer, David Jones, Barbecues Galore and Woolworths over the years. And it’s just for buying what we’d buy anyway—a good thing.

We like the free travel insurance and the customer service is good—not great—but good. I trust Westpac and think this is overall a good card.

Pleased, but would like unlimited lounge access

Reviewed by Ravi

This is a good card except for one thing: it does not have unlimited entry to lounges at airports unlike ANZ’s card in same category. It only allows 2 visits and spouses get charged. It would be great if both the main and additional cardholder had unlimited entry to airport lounges globally. If that was the case, this would be the most desired credit card in market.

The card I save with

Reviewed by Glenys

I have a Westpac Earth Black MasterCard and I could not be happier with everything they have provided me. Immediately I pay a fee, but I think the benefits gained outweigh the fees. I also receive a number of enticing offers each year. A good card from a trusted bank, and one I would thoroughly recommend.

The rewards are fantasic

Reviewed by Daniel

Very competitive points and rewards system that earns me that little bit extra.

The fees could be lower (but all cards could have lower fees, really).

I have never had a problem with the card, and in the rare instances I need to check or ask something, the customer support from Westpac is very helpful and efficient.

Trustworthy card, great service

Reviewed by Cheryl

Excellent card with excellent attention from Westpac. They respond quickly to my travel needs and are also quite happy to help me with transactions I may dispute. The response team Is very polite and very happy to do whatever you need for the security and safety of the card. New cards arrive promptly.

Pay it off on time and enjoy good rewards

This card offers very good rewards through your chosen frequent flyer miles program. The fee, although quite high ($395), is worth it if you are using the credit card regularly and getting good points for your spend.

Both an AmEx and a MasterCard are supplied, so you have both bases covered here.

Happy with service

Reviewed by Maureen

We try to use our credit card for more purchases, for security and convenience and so we can budget our expenses each month.

The interest we try not to use so we attempt to pay the full balance each month, to our advantage.

We’re happy with statements and services from Westpac in relations to this card.

Good communication from the bank

Reviewed by Clem

I’m happy with the way things work for me with this card. The Interest rate is good with days to pay, so I don’t have to pay the full amount each month.

The bank is good with communications and updates and statements on a regular basis.

The card is accepted at most places that I shop.

Good for tracking spending

Reviewed by Judy

I had very good customer service when my card was scammed. I was reimbursed very quickly, and new cards were issued within a couple of days. Westpac knew I was scammed before I knew! Very diligent!

I would certainly recommend this card from Westpac bank, and I couldn’t live without it as I use it for nearly all my transactions so that I can keep an account of my spending.

Good card for big-spending Westpac loan customers

Reviewed by Amy

It’s a 'must-have’ card if you’ve got a Premier Loan package with Westpac, probably the most rewarding credit card available. When picking redemption, try to always get Myer or David Jones vouchers.

You get two cards on one account and complimentary insurance on virtually everything purchased through the card.

I don’t recommend it if you don’t have the loan package or are a low spender.

More points with the AmEx card

Reviewed by David

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.

Some cons but more pros

Reviewed by Phil

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.

Good rewards system

Reviewed by Jonno

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!

A solid offering with good rewards and insurance

Reviewed by Sarah

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.

A well-rounded travel and award-ready card.

Reviewed by Liz

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.

Love the rewards and service

Reviewed by Michelle

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.

Great rewards and service

Reviewed by Greg

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.

Great features but comes at a high price

Reviewed by Avinash

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.

Saved on balance transfer, earned lots of rewards

Reviewed by Huan Ling Winnie

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.

Awful communication and incompetent staff

Reviewed by Sean

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.

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This credit card is listed in these comparisons

• Altitude Rewards credit cards
• Balance transfer credit cards with Velocity Points
• Black credit cards
• Cathay Pacific Asia Miles credit cards
• Credit cards for good credit
• Credit cards with airport lounge access
• Credit cards with a sign up bonus
• Credit cards with free additional cardholders
• Credit cards with high credit limits
• Credit cards with price protection
• Frequent flyer credit cards
• Hotel credit cards
• International travel credit cards
• KrisFlyer credit cards
• Mastercard credit cards
• New customer credit card offers
• Priority Pass credit cards
• Rewards credit cards
• Star Alliance credit cards
• Travel insurance credit cards
• Velocity Frequent Flyer credit cards
• Westpac credit cards

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Westpac Altitude Black

Choose the version of this credit card that suits you best

• Altitude Black (Altitude Rewards) Rewards: Altitude Rewards
• Altitude Black (Velocity Frequent Flyer) Rewards: Velocity Frequent Flyer
• Altitude Black (Qantas Frequent Flyer) Rewards: Qantas Frequent Flyer

Mozo editorial review Westpac Altitude Black - last updated: 4 March 2024

• Choose between Altitude Rewards or Qantas Frequent Flyer rewards program
• Complimentary features like travel insurance & concierge
• Extended warranty on purchases
• 150,000 bonus Altitude Points OR up to 120,000 Qantas Points (T&C's apply)
• $295 annual card fee (discounted to $150 first year)
• 0.75 Qantas rewards points per $1 spent (with the Qantas Frequent Flyer option)

Mozo snapshot

With the Westpac Altitude Black card, you can choose between either the Altitude Rewards or Qantas Frequent Flyer option. On top of this, you'll also have access to a wide range of complimentary features including concierge, travel insurance and extended warranty. But that's not all! Should you opt-in for the Altitude Rewards option, you can receive 100,000 Altitude points if you spend $6,000 on eligible purchases within 120 days of new card approval, and a further 50,000 points after your first eligible purchase in the second year. Or if you choose the Qantas Frequent Flyer option, you could receive up to 120,000 Qantas Points.

Key features

When you pick up the Westpac Altitude Black online exclusive offer, you can choose between a card linked to the Altitude Rewards program if you like a little flexibility in your redemption options, or the Qantas Frequent Flyer program if you’re all about travel perks.

Choose the Altitude Rewards program, and you can earn 1.25 rewards points per $1 you spend, uncapped. 

Additionally, the Westpac Altitude Black card also comes with a number of travel treats such as two complimentary priority airport lounge passes each year – one of which you can now share with a travel companion – which you can use at one of over 1,000 airport lounges around the world. And with the 24/7 on-call concierge service you'll feel like you have your own personal butler.

The card also comes with complimentary comprehensive travel insurance which also extends to your spouse and children who travel with you. All you have to do for the travel insurance to be activated is buy $500 of your pre-trip expenses on your card, like flights or accommodation.

Other standard insurances included with the card are extended warranty, transit accident and purchase security insurance.

There is a $295 annual fee, discounted to $150 the first year for Altitude Rewards, which is a bit steep, even for a rewards card, so be sure to utilise all of the 'free' features you get with the card like travel insurance and a dedicated concierge to get the best value from it. You'll also be up for a $75 Qantas fee if you choose that option, bringing the total annual fee to $370. Apply by 31 July 2024 to get the lower first year fee offer (T&Cs apply).

Who is it good for

With an annual fee of $295, discounted to $150 the first year, your annual spend will need to be over $20,000 before your rewards points start to have any real value. But with no maximum points cap, this card could work out very well for the big spender.

Any catches

If you're opting for the Qantas Frequent Flyer option, a $75 rewards program fee applies. 

Rewards program details

Rates and fees information correct as at 8 September 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.

What your points get you

Fly sydney to london return.

358,800 points

Fly Sydney to Melbourne one-way

23,400 points

$100 Giftcard

24,100 points

28,200 points

Points earning

1.25 points per dollar on Mastercard, uncapped

Rewards scheme

Transfer points to a range of airline programs or redeem your points for travel, gift cards, retail rewards and shopping gift cards.

You can get flights via Air New Zealand Air Points, Enrich or KrisFlyer programs, or by booking through Altitude Travel.

Earn 6 points per dollar spent on flights booked in Australia directly with selected airlines up to $10,000 per month. Earn 2 points per dollar spent at Spotify Premium, David Jones, Myer, THE ICONIC, Airbnb, Uber and Uber Eats.

2 complimentary visits to Priority Pass Lounges each year.

Special offers

Receive up to 150,000 bonus Altitude Points. 100,000 points when you spend at least $6,000 on eligible purchases within 120 days from card approval and another 50000 point after you first eligible purchase in year 2.

Value of rewards points

Spend $22,560 (Mastercard)

Spend $19,280 (Mastercard)

Spend $18,720 (Mastercard)

Spend $287,040 (Mastercard)

How do we calculate the rewards?

To work out the "Rewards value minus fees" in our Rewards Revealer we:

calculate how many points you'd get each year,

figure out how many flights or gift cards or cashback credits you could get for those points,

work out what that's actually worth to you,

take off the annual fee you'd pay.

More details:

Our calculations are designed to help you compare the value of different rewards schemes. To do this, we've looked at earning a one-way Sydney-Melbourne flight excluding taxes and charges, a return Sydney-London flight excluding taxes and charges, a $100 shopping Gift Card and $100 cashback. Most cards will also offer other rewards, which may be worth more or less than the ones we've shown.

We have made no allowance for bonus points for using your card at specific merchants, introductory offers or special offers. We have not assigned any value to instant discounts, insurances, ticketing and concierge services or other such benefits.

Rewards value calculations do not take credit card interest into account. If you do not pay off your card each month you may be better off looking for a card based on interest rates than on the value of rewards.

In products that have more than one card, a different mix of spend between American Express / Visa / Mastercard will give different results. Mozo's Rewards Revealer lets you choose the mix based on the way you would use such a product, and gives you tailored results.

We assume flights purchased with airline points are 'classic' or 'reward' economy seats with restricted seat availability. 'Any seat' rewards will probably cost more.

To compare the value of flight rewards, we sample online retail flight prices once a quarter based on the average price on a Wednesday 3 months in advance but outside NSW school holidays. For domestic flights we take the lowest available fare from each flight on that day from Qantas Red e-deal, Virgin Australia Saver including baggage and Jetstar Starter including baggage. We calculate the average price excluding taxes and surcharges for each airline, and also the average across all airlines (which we use when rewards are travel agent vouchers). For international flights, we take the lowest available fares on that same Wednesday from each of Qantas, Emirates, Malaysian, Etihad, Singapore, Cathay Pacific and Thai, assuming a return flight 2 weeks later, calculate the average price before taxes and surcharges and use this as our assumed cost of a flight on any airline.

Shopping rewards are based on $100 gift cards from a major national department store.

We make every effort to ensure our calculations are correct and up to date but make no guarantees.

Rate and fee details

Payment options.

Apple Pay, Google Wallet, Samsung Pay, Garmin Pay

Rewards privileges

Concierge, Travel Insurance, Extended Warranty, Purchase Protection

Other benefits

First year annual fee $99 card fee for existing customers the first year (reverts to $295 thereafter). PartPay available.

119,600 points

7,800 points

19,500 points

0.75 points per dollar on Mastercard, uncapped

Points are automatically credited to the Velocity Frequent Flyer program.

All rewards are redeemed via Velocity Frequent Flyer.

Receive 90,000 bonus Velocity Points when you spend at least $6,000 on eligible purchases within 120 days from card approval and an additional 30,000 Points after 12 months.

Spend $26,000 (Mastercard)

Spend $10,400 (Mastercard)

Spend $159,467 (Mastercard)

2 complimentary Economy X Seat Upgrade Vouchers each year to use on selected domestic Virgin Australia flights. First year annual fee $150 card fee for existing customers the first year (reverts to $295 thereafter).

110,400 points

8,000 points

20,010 points

0.75 points per dollar on Mastercard, up to $250,000 per year

Earn 0.75 Qantas Points per $1 up to a maximum of $250,000 spent on eligible purchases annually. Bonus Qantas Points not included in the cap. Points are automatically credited to the Qantas Frequent Flyer program. From 1 July, Qantas Points on eligible purchases are capped at 100,000 Points per month (exlc. bonus Points).

All rewards are redeemed via Qantas Frequent Flyer.

Bonus points on selected Qantas products and services.

2 complimentary lounge invitations to Qantas Club Lounges each year.

Receive 90,000 bonus Qantas Points when you spend at least $6,000 on eligible purchases within 120 days from card approval and an additional 30,000 Points in Year 2.

Spend $26,680 (Mastercard)

Spend $10,667 (Mastercard)

Spend $147,200 (Mastercard)

at $250,000 yearly

First year annual fee $150 card fee for existing customers the first year (reverts to $295 thereafter). PartPay available.

Customer Reviews

How are westpac credit cards rated by the mozo community, latest reviews of westpac altitude black credit card, terrific credit card terrific benefits.

An easy to use credit card with the added advantage of rewards points earned for every dollar spent. When my card was hacked, the bank proatively called me, helped me to get my new card in an expedited manner due to me leaving for holidays. The customer services was first class and would highly recommend them to others.

Avoid on principle

Considering I was a single mother with two dependents earning only 4 times the amount of credit I was given while only initially requesting half that amount and the destruction this brought to my life (prior to the banking royal commission), I'd suggest you steer clear of Westpac and their past lending practices.

Pros- good for getting qf points. Direct debit payment os easy way of keeping on top of payments. Cons- value of conversion to qf points has gone down. Qf points value has gone down too.

Solid product. Customer service needs improvement

The altitude rewards are great. Customer service was eventually good. I noticed a $1000 fraudulent transaction which required me to call as it couldn’t be resolved online. 4 hours of being on hold only to be disconnected. Finally decided to contact via Facebook and was connected to a person within 15 minutes.

Credit cards are a debt trap.

Credit cards are too easily get into debt plus bank is happy to increase the limit over and over. Interest rates are too high they are greedy for profits and don't care for customers

About Westpac

Low Rate Card

13.49% p.a.

0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)

$59 $0 in the first year

American Express

Qantas Ultimate Card

23.99% p.a.

No current offer

Qantas Frequent Flyer

Essential® Rewards Credit Card

Membership Rewards

Platinum Edge Credit Card

$195 $0 in the first year

Explorer Credit Card

Velocity Platinum Card

Velocity Frequent Flyer

Qantas Discovery Card

Low Rate Credit Card

10.99% p.a.

1.25 points up to 100,000 points/year, then 1 point uncapped

G&C Mutual Bank

Platinum Visa Credit Card

1 point up to 20,000 points/month

Qantas Rewards Premium Card

$250 $150 in the first year

0.66 points up to $3,000/month, then 0.33 points up to $6,000/month

Qantas Premium Card

1 point uncapped

Rewards Signature Card

NAB Rewards

$295 $145 in the first year

1.25 points uncapped

0.75 points uncapped

Velocity Escape Card

Qantas Rewards Signature Card

$395 $295 in the first year

1 point up to $5,000/month, then 0.5 points up to $20,000/month

Premier Credit Card

0% p.a. for 6 months and then 22.24% p.a.

21.49% p.a.

$300 $150 in the subsequent years if you spend $48,000 on eligible purchases or cash advances in previous year., $150 in the first year

Citi Rewards Program

Bank of Queensland

Blue Visa Credit Card

0% p.a. for 9 months and then 21.74% p.a.

0% p.a. for 9 months then 20.74% p.a.

Virgin Money

Virgin Australia Velocity Flyer Card - Balance Transfer Offer

0% p.a. for 24 months and then 20.99% p.a.

20.74% p.a.

$149 $0 in the first year

More Mastercard

0% p.a. for 6 months and then 19.99% p.a. (1.00% balance transfer fee)

19.99% p.a.

Bankwest More Rewards

12.99% p.a.

0% p.a. for 12 months and then 25.99% p.a. (2.00% balance transfer fee)

Australian Unity

Low Rate Visa Credit Card

0% p.a. for 6 months and then 8.99% p.a.

Rewards Credit Card

0% p.a. for 15 months then 21.49% p.a.

0% p.a. for 15 months and then 22.24% p.a.

Clear Credit Card - BT Offer

14.99% p.a.

0% p.a. for 24 months and then 22.24% p.a. (1.50% balance transfer fee)

$99 $49 in the first year

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Westpac Credit Cards

Westpac altitude black credit card.

Updated 9 August 2024

A premium reward card with travel bonuses, the Westpac Altitude Black comes loaded with up to 150,000 bonus Altitude Rewards Points (worth $700 in eGift cards) 🛍 Points can also be redeemed for cashback, merchandise and a range of frequent flyer programs.

You’ll get travel insurance, lounge access and a discounted annual fee for the first year. This card suits travellers and those who want flexibility in spending points.

How do I apply?

Points Earn Rate (per $1 spent)

1.25 points

Rewards Program

Altitude Rewards

Bonus Points

100,000 pts

+ 50,000 points after your first eligible purchase the following year. Conditions apply.

Annual Fee (p.a.)

first year then $295

• 30 days is indicative of 1 month • Point caps are reset every statement period, which we have also assumed to be 1 month • There is a fixed monthly spend for 365 day. • Your monthly spend is multiplied by the earn rate for that 12 months. • You’ll be getting the highest earn rate for spending (if the card has tiered earn rates). • Points capping is factored in, if applicable, as is any sign-up bonus. Bear in mind though, terms and conditions always apply to points earning and sign-up bonus points."> 0 points over 12 months spend

My monthly card spend, you could earn • 30 days is indicative of 1 month • point caps are reset every statement period, which we have also assumed to be 1 month • there is a fixed monthly spend for 365 day. • your monthly spend is multiplied by the earn rate for that 12 months. • you’ll be getting the highest earn rate for spending (if the card has tiered earn rates). • points capping is factored in, if applicable, as is any sign-up bonus. bear in mind though, terms and conditions always apply to points earning and sign-up bonus points.">.

114,000 points

over 12 months

• Pros & cons
• Rates & fees
• Rewards & points
• Eligibility

Go to offer

Pros and cons

Bonus points: Earn 100,000 bonus Altitude points when you apply by 30 November 2024, and spend $6,000 on eligible purchases within 120 days of being approved in the first 12 months. You can earn another 50,000 points after your first eligible purchase the following year.

Annual fee discount: the first year’s annual fee is $150, or $99 if you’re an existing Westpac customer (then $295).

Travel perks: 2 complimentary Priority Pass lounge passes, complimentary domestic and international travel insurance and transit accident insurance.

Earning points: Earn 6 Altitude Points per $1 up to $10,000 per calendar month on flights purchased with Qantas, Jetstar, Emirates and Singapore Airlines (then 1.25 points thereafter). Earn 2 Altitude Points per dollar spent overseas and with David Jones, Myer, THE ICONIC, Spotify Premium, Uber, Uber Eats and Airbnb.

Earning everyday points: Earn 1.25 Altitude Points per $1 on all other eligible purchases.

Extras: one free additional cardholder and 24/7 global concierge services.

• High interest rate

Creditcard.com.au review

Editor review, who suits the westpac altitude black card, editor’s overall review.

If you spend a lot of time on the road or in the air, the Westpac Altitude Black could make life a little more comfortable and save a dollar or two. It includes a ton of travel perks including lounge passes and global travel insurance.

At $295 per year, it sits in the mid-range of rewards cards, and the annual fee is offset for the first two years by the annual fee discount the first year, and the value of the bonus points on offer.

While many people tend to overlook concierge services, Westpac has upped its game by giving you access to a number of discounts, hard-to-get tickets and exclusive events by partnering with Ten Lifestyle Services.

Editor’s Full Review: the Westpac Altitude Black

The Westpac Altitude Black has a few bright-and-shiny perks to catch your eye, especially if you’re a frequent traveller. It earns Westpac’s Altitude Points, so you can use your points flexibly, including fights with several different airlines.

First, I’ll unpack the promotional perks, and then we’ll look at how this card can be used as a globetrotter’s companion.

Bonus points: The bonus points are split into 2 parts: you’ll get 100,000 bonus Altitude Rewards points if you spend at least $6000 within 120 days of being approved for your card, and then another 50,000 points if you keep the card for more than 12 months.

To be eligible for the bonus points, you can’t have had an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card within the past 12 months. You have to apply and be approved before 30 November 2024.

Bonus points are credited to your account within 12 weeks of meeting the spending criteria. If you don’t meet the spending requirements for the initial 100,000 points, you can still earn the 50,000 points the following year.

Annual fee discounts: For the first year, you’ll pay $150 for the annual fee rather than $295. Existing Westpac customers can get an even bigger discount of $99 for the first year by logging in and applying through the online portal (this offer expires 30 November 2024).

Using the Westpac Altitude Black for travel

Like a well-stocked globetrotters bumbag, this card comes with almost every premium travel perk you could think of.

Let’s start with the different kinds of insurance. Some are specific to travel, and I've also included insurances that protect your purchases.

On top of insurances, you'll also get 2 lounge passes per year with Priority Pass , which has over 1200 premium lounges around the world you can use regardless of the airline you fly with. One of your passes can be gifted to a guest travelling with you, which is a very nice twist on the usual non-transferable rule.

If you want to use a Priority Pass lounge once your free visits are used up for the year, you can still enter the lounge for US$32 per person. You’ll need to enrol in Priority Pass once you have your Westpac Altitude Black card at www.prioritypass.com/westpacblack.

What about the Concierge and Lifestyle Services?

24 hours a day, you can request to have restaurant bookings (including off-beat bespoke requests), appointments, tickets to events, holidays, tours and more organised by a concierge on your behalf. When you book using Westpac’s concierge, you could also get other perks like room upgrades, complimentary breakfast, and exclusive seating at events.

Earning points with the Westpac Altitude Black

This card earns points in Westpac’s own Altitude Rewards program. I’ll explain what you can spend your points on in a moment, but first let’s look at how many points you can earn for your spending, and where.

Points per dollar and bonus points

The Altitude Black card is a little different in that you can earn bonus points for shopping with specific retailers and airlines (called Accelerated Earn). That means you can boost your points pretty quickly.

Here’s how it looks:

6 points per $1 on Qantas, Jetstar, Singapore Airlines and Emirates flights bought in Australia.

2 points for $1 at Spotify Premium, David Jones, Myer, THE ICONIC, Airbnb, Uber and Uber Eats.

1.25 points per $1 on other eligible everyday spending.

⚡ There is no limit to the amount of Altitude points you can earn. However, you’ll only earn 6 points per dollar on flights up to 10,000 points per month; after that, it drops to 1.25 points. On the plus side, there are no rewards program fees, and your points never expire.

Redeeming your Altitude Rewards points

The Westpac Altitude Rewards program is flexible, so you can use your points for almost anything you like. They can be redeemed for gift cards, cash back, with partnering airlines and other travel expenses, and through the Altitude Rewards online store.

Using your points for travel: You can spend your points on flights with Singapore Airlines Krisflyer, Cathay Pacific, Air New Zealand and Velocity. You can also use points for hotels, car hire and activities.

Using your points for cashback: While some cards let you choose a specific purchase on your statement and use points to pay it back, Westpac lets you choose an amount to deposit onto your card. For instance, you can choose to throw $50, $100, $500 or $1000 cashback onto your card.

Using your points for gift cards: Choose from popular retailers such as Bunnings, JB Hi-Fi, Woolworths and Ampol to gift to someone else, or offset your own purchases.

What’s not so great

While this is overall a good card, it does have some things that are worth pointing out. Firstly, you can’t redeem your points for Qantas points on this card (Westpac does offer credit cards that earn Qantas Points directly).

You’ll pay a 3% currency conversion fee when you spend overseas, and a $15 fee if you don’t pay the minimum monthly charges each month.

Who suits the Westpac Altitude Black?

This card is a good fit for people who travel frequently or want to bump up their points from shopping at specific stores. It earns points that can be redeemed flexibly, including with several different airlines. The Priority Pass lounge access is a great bonus and the travel insurance has coverage in Australia and overseas.

User reviews

Westpac altitude black credit card ( based on 8 creditcard.com.au user reviews ), 88% rating based on 8 reviews, customer service, 88% of users who have rated this card would recommend it, review the westpac altitude black credit card.

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Rates and fees

Interest rates.

Purchase rate 20.99 % p.a.

Cash advance rate 21.99 % p.a.

Interest free period on purchases up to 45 days

Credit limits

Minimum credit limit $15,000

Maximum credit limit $75,000

Fees & repayments

Annual fee $295 p.a.

Additional cardholder fee $0 p.a.

Foreign transaction fee 3%

Minimum repayment 2% or $10 whichever is greater (personal); 3% or $10 whichever is greater (business); $40 (Westpac Flex)

Annual fee the first year $150

Cash advance fee 3%

Late payment fee $15

Rewards and points

Rewards program

Bonus points 100,000 points

Annual points cap uncapped

Bonus points spend criteria + 50,000 points after your first eligible purchase the following year. Conditions apply.

Earning points with this card

Altitude Rewards points 1.25 points per $1 spent

Points cap per month N/A

Overseas earn rate same as standard earn rate

Additional features

Complimentary insurance.

International Travel Insurance Yes - up to 6 months

Flight Inconvenience Insurance Yes

Transit Accident Insurance Yes

Smartphone Screen Insurance No

Purchase Protection Insurance Yes

Extended Warranty Insurance Yes

Rental Vehicle Excess In Australia Insurance Yes

2 lounge passes per year with Priority Pass

Altitude Rewards Terms and Conditions

Disclaimer: 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 (not the full closing balance) by the relevant payment due date.

1. Converting Altitude Points: You can redeem the points earned on your Altitude Black Altitude Rewards credit card for cashback 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 of 20th July 2020 and are subject to change without notification. All redemption of Altitude Rewards points are subject to availability and the Altitude Rewards Terms and Conditions

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

Key features

• Up to 150,000 bonus Altitude points (worth $700 in eGift cards )- 100k points when you spend $6,000 within the first 120 days in year 1, plus 50k Rewards Points after first eligible purchase in year 2
• 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 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
• Altitude Points do not expire
• With Altitude Points Redeem points for flights with Singapore, Cathay Pacific, Malaysia & Air NZ
• $0 annual Altitude Rewards program fee
• Two complimentary lounge passes each year with Priority Pass
• 24/7 personal concierge services
• Overseas travel insurance for trips up to 6 months
• Transit accident insurance and Extended warranty on new products bought on the card
• Discounted $150 annual card fee in the first year; $295 thereafter
• Free additional card holder
• Choice of excellent rewards programs: Altitude, Velocity and Qantas

Minimum criteria to apply for this card

Be over 18 years old

Good Credit and have not applied for multiple credit cards recently

Australian citizen or permanent resident; non-resident or migrant and hold an acceptable Visa, with a min 1 year before expiry

Minimum income of $75,000 p.a.

You have your personal details ready to complete the online application

Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger

Recently Asked Questions

Something you need to know about this card? Ask our credit card expert a question.

160 questions (showing the latest 10 Q&As)

Warren roland barton, michel lecointre, clayton abraham, thi lien quach, featured credit cards.

$1 earn rate  

Points earning • 30 days is indicative of 1 month • Point caps are reset every statement period, which we have also assumed to be 1 month • There is a fixed monthly spend for 365 day. • Your monthly spend is multiplied by the earn rate for that 12 months. • You’ll be getting the highest earn rate for spending (if the card has tiered earn rates). • Points capping is factored in, if applicable, as is any sign-up bonus. Bear in mind though, terms and conditions always apply to points earning and sign-up bonus points.">

Qantas Premier Platinum Credit Card

Earn up to 100,000 bonus Qantas Points

Get 70k when you spend $3,000 within the first 3 months, plus 30k when you haven’t earned Qantas Points with a credit card in the last 12 months. 0% p.a. on balance transfers for 12 months with a 2% BT fee. Save 20% on flights for you and 8 friends. Complimentary travel insurance.

Up to 100,000 bonus Qantas Points

Earn 70,000 when you spend $3,000 within the first 3 months, plus 30,000 when you haven’t earned Qantas Points with a credit card in the last 12 months. 0% p.a. on balance transfers for 12 months with a 2% BT fee. Discounted annual fee for the first year.

Earn rate per $1

Bonus points.

save card more info

Virgin Money Anytime Rewards Card

80k bonus points + platinum perks.

Earn big bonus points (worth $400 in gift cards) and even more bonus points per $1 when you spend with partner retailers. Use Visa perks for discounts, presale tickets and concierge services.

• The annual fee is charged in the first month. • You only pay the minimum monthly payment of your overall balance each month. • You do not spend or withdraw cash on the card until the balance transfer period ends or is paid in full. • All other fees and charges that may apply are excluded. When there is no interest savings or a negative interest saving after the introductory period, the calculator will display $0.'> Filter your savings

Adjust the filters to see how much you could save with a balance transfer to a new credit card

My transfer amount $5000

My interest rate 19.49%, my annual fee $50.

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• Copyright 2005-2021 CreditCard.com.au Pty Ltd
• ABN: 76 646 638 146
• ACR: 528318
• AFCA: 80717

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My monthly card spend $5000

Benefits i like

• All reward programs
• Airport lounge access
• Balance transfers
• Bonus points offer
• No annual fee
• No foreign transaction fee
• Overseas travel insuarance
• Uncapped points earn

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Westpac Altitude Black Awards Card – Review

• September 25, 2019
• Debit & Credit Card Reviews

Westpac Altitude Black Awards is the third credit card in my kit bag. It’s a Mastercard, which means it can be used at places where Amex is declined.

In this post:

The Cornerstone Credit Card

I like to separate my international travel and purchases from domestic expenses. We call this the cornerstone card as it is one we continue to use while “flipping” our other credit cards. We have had a wallet and card stolen from a handbag in Covent Garden Markets in London. Julie had her bag slightly open and someone bumped into her in a shop…the cards and wallet were gone in a flash. Julie realised this quickly and let me know. Fortunately we were able to stop the card using the banking app before any money was stolen (even though they tried!). However, it was a real hassle to find and then change all the regular deductions. As a result, I always leave my cornerstone credit card safe at home. The lock block and limit capability is a must when travelling overseas. We use Vodafone $5 roaming plan to ensure we are always connected to our banks. The annual fee for this card is $250 plus $50 if you want to redeem to Qantas. It is backed by Australia’s second biggest bank, which provides peace of mind when it comes to service and customer support.

Google Pay and Apple Pay for travellers

This card is physically left at home. However, in an emergency I can access Google Pay to make any purchases. It is important to be aware that a 3% charge is added to international transactions. At the end of April 2020 Westpac introduced Apple Pay. Simply connecting the card to your Apple device you have a mobile wallet ready to go.

Velocity or Qantas Points

This card is unusual as you can choose to accrue either Velocity or Qantas points for redemption. They usually have a sign-up bonus for both.

Points are uncapped at 0.75 per dollar spent. This is a plus as many other cards cap points and my annual card spend can be very lumpy. One great feature of this card is you can switch between programs. With Volocity under a cloud this is a great benefit.

Free international Travel Insurance

As a card I plan to keep for the long haul, I value this feature. To get the free international travel you need to spend at least $500 of your travel expenses before you commence your holiday, and be under 80 years old. I can easily tick both boxes.

Lounge Access – Qantas or Virgin – Plus Priority Pass

This card also provides either Qantas or Virgin lounge passes. As I use the Qantas version, I give the passes to my family. One little known, but relatively simple-to-access feature, is access to the Priority Pass Lounge . While they don’t’ have great coverage in Australia they have over 1300 lounges globally. I recently reviewed the Hong Song Lounge at Hanoi Airport, Vietnam compliments of Westpac Priority Pass. In Australia you can only use them to redeem food vouchers at Sydney, Brisbane and Coolangatta or visit a lounge in Melbourne, Darwin, and Adelaide.

While I have had this card for a couple of years, I have not needed to use this feature. Finally, the card provides a concierge service. I find no value in this and have not heard of anyone who has. As mentioned before, I am pretty happy with Google as my travel concierge.

Summary: I value having a cornerstone card that accrues points and I can set up for my regular debits. I want a card I leave at home when I travel, but can still access in emergencies using Google Pay. The Westpac Altitude Black ticks those boxes for me.

Drew spends 3 months of the year travelling, and 9 months working which is just enough to support a credit card application habit. Destinations are chosen around cycling, hiking or skiing opportunities. For Drew it's as much about the deal as the destination!

Would you, by any chance, know if the fee for this product could be waived for Westpac employees?

My understanding is yes for staff and possibly family members. From memory the benefit exists even after you leave Westpac!!!

We need a post on why you need mobile data when roaming and which product is best.

Absolutely, we have one coming up. I personally use Vodafone’s $5 A Day roaming and it’s the best offer in the Australian market.

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In this guide

• Our verdict

Product details

Eligibility, how to apply, card benefits.

• Rates & fees

Your reviews

Ask a question, westpac altitude platinum credit card.

Offers up to 120,000 bonus Altitude Points, a discounted annual fee in the first year and up to 3 points per $1 on eligible spending.

• Up to 120,000 bonus Altitude Points offer
• First-year annual fee: $49 for new customers or $0 for existing customers
• Earn up to 3 Altitude Points per $1 spent, uncapped
• Complimentary travel insurance covers
• The standard annual fee of $175 p.a. is relatively high
• Only offers up to 45 days interest-free on purchases, as opposed to most cards with 55 days
• Tiered earn rate makes points potential more difficult to estimate

The Westpac Altitude Rewards Platinum Card earns between 1 and 3 points per $1 on eligible spending, with the highest earn rate offered to flights booked with Qantas or Jetstar. It also has a 20.99% p.a. variable interest rate for purchases if you’re not eligible for interest-free days. It doesn’t come with other travel perks like airport lounge passes or vouchers that you can expect with more premium rewards cards – but they often have higher annual fees too.

Eligibility criteria

• New customer. To be eligible for the bonus points offer , you cannot hold or have held a Westpac rewards card in the previous 12 months.
• Minimum income. You must earn an annual income of at least $30,000.
• Residency. You must be a permanent Australian resident or Australian citizen. Please note that those holding a student visa aren't eligible and temporary visa holders must apply through migrant banking.
• Age. You must be at least 18 years of age.
• Existing customers. You must be an existing Westpac customer to be eligible for the $0 first-year annual fee offer .

Required documents

• Proof of identification. This can be your Australian driver's licence, Medicare card or Australian passport.
• Income and expenses. You'll need proof of your income and financial history, such as payslips or tax documents. You'll also need to provide information regarding any liabilities and dependents.
• Employment details. You'll need to list your employer's details like the address and phone number, and proof of any other financial commitments like investment properties.
• Up to 120,000 bonus Altitude Points. Apply for the Westpac Altitude Platinum by 30 November 2024 and you'll get 90,000 bonus Altitude Points when you spend at least $3,000 on eligible purchases in the first 90 days from card approval. You'll get another 30,000 points after making your first eligible purchase in the second year. You can redeem Altitude Rewards points for cashback, gift cards, retail items, travel or transfer points to your Velocity Frequent Flyer, Singapore Airlines KrisFlyer, Asia Miles or Air New Zealand Airpoints account. Your bonus Altitude Points will be credited to your account within 12 weeks of meeting the spend criteria.
• Discounted first-year annual fee. This card offers a reduced annual fee of $49 in the first year when you apply as a new cardholder by 30 November 2024. If you're already banking with Westpac, you'll get an annual fee waiver in the first year. The annual fee will revert to $175 p.a. thereafter.
• Rewards. With your Altitude Platinum credit card, you can earn up to 3 points per $1 spent on eligible purchases. Earn 3 Altitude points per dollar spent (up to $10,000 per calendar month) on flights purchased in Australia directly with Qantas or Jetstar, then 1 point per $1 spent thereafter. Earn 2 Altitude Points per $1 spent on overseas spend and with Spotify Premium, Uber, Uber Eats and Airbnb. Earn 1 Altitude Point per $1 spent on all other eligible purchases (uncapped).
• Complimentary insurances. You get a wide range of insurance covers with your platinum credit card. You can benefit from overseas travel insurance that includes medical expenses, lost or damaged property, personal liability, and more. You'll also enjoy transit accident insurance, purchase security insurance and extended warranty coverage.
• Mobile Wallets. You can link your Westpac Altitude Platinum credit card with Apple Pay , Samsung Pay or Google Pay to make contactless payments at the checkout with your Apple, Samsung or Android device. You can also pay with your eligible fitness tracker, thanks to Garmin Pay.

Rates & fees

• Annual fee. Outside of any promotions, this card charges an annual fee of $175.
• Interest rates. This credit card charges a variable interest rate of 20.99% p.a. on purchases and 21.99% p.a. on cash advances.
• Interest-free period. You will receive up to 45 days interest-free on new purchases when you pay your monthly payment balance listed on your statement in full by the payment due date. Note that these interest-free days are separate from any longer-term interest rate promotions and the monthly payment balance excludes current balance transfers.
• Additional cardholder. You can earn points faster by adding 1 additional cardholder for $0.
• Westpac Altitude Rewards Platinum card information PDF

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Ivan Brookfield

August 03, 2023

Westpac Black and Westpac Platinum cards – what exactly does Travel Insurance cover?

Amy Bradney-George Finder

August 04, 2023

Hi Ivan, Westpac Black credit cards offer complimentary, comprehensive international travel insurance for trips of up to 6 consecutive months – which includes benefits related to hospital and medical emergencies, cancellation, luggage and travel delays. With Westpac Platinum cards, the cover is available for trips of up to 3 consecutive months. Different claim limits also apply, so it’s a good idea to view the full policy document available on the bank’s website. Alternatively, you could call the insurance provider, Allianz on 1800 091 710. I hope this helps.

May 16, 2019

Hi, I had this card previously but cancelled it in December last year. Will I still be eligible for the Qantas points if I apply? Thanks!

Jhez Finder

Thank you for your comment.

According to the terms and conditions of Westpac Altitude Platinum Card, existing Westpac customers who currently hold an Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months, are not eligible for this offer. Therefore, you’re not eligible to receive the bonus points if you reapply, unfortunately.

Regards, Jhezelyn

April 19, 2019

What is cancellation fee for this Altitude Platinum credit card? Also if I apply for one more card from other bank, would that effect getting this Altitude Platinum credit card?

Jeni Finder

April 20, 2019

Hi Muhammad,

Thank you for getting in touch with Finder.

There’s no cancellation fee if you cancel this card. If you apply for another credit card from a different bank, it will not affect your application for this card unless there are too many credit enquiries or card applications which results to a low credit limit.

Please make sure though to read the eligibility criteria, features, and details of the card, as well as the relevant PDS/ T&Cs of the card before making a decision and consider whether the product is right for you.

I hope this helps.

Thank you and have a wonderful day!

Cheers, Jeni

February 28, 2019

With Westpac Altitude Platinum credit card, how many points per $1 do you achieve?

March 02, 2019

Hi Maureen,

You’ll earn 1 Altitude Rewards point per $1 you spend on eligible purchases, uncapped.

March 27, 2018

Eligible purchases do not include fees, cash, cash equivalent transactions, BPAY. Does this means bills (not through bpay) are ineligible?

Thanks for your inquiry.

Yes, that’s correct. If you pay the bills direct from the providers and they would consider it as a “purchase”, then you would earn points for those payments. But when you pay your bills through BPAY, those are not considered as eligible purchases.

Cheers, May

Amy Bradney-George

Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full profile

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