westpac altitude black travel insurance policy

Westpac Complimentary Credit Card Insurance and COVID-19 (Coronavirus) FAQ

Information for westpac eligible cardholders regarding covid-19.

Information on this page is correct as of  30 June 2022 .

Stay up to date on Travel Information for COVID-19 from the Department of Foreign Affairs and Trade (DFAT)  Smartraveller  website and  World Health Organisation  (WHO) and  Department of Home Affairs .

Always consult the smartraveller.gov.au website prior to any travel. In addition to visas, COVID-19 testing, and proof of vaccination requirements, many countries now have compulsory insurance and medical cover proof conditions. Check with the nearest embassy, consulate or immigration department of the destination you are entering. If you require additional documentation regarding the complimentary international travel insurance policy due to international entry requirements, please contact us on 1800 091 710.

From 30 June 2022, if during the period of your cover, you (and your spouse/dependents, if they’re eligible for cover) are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic (such as COVID-19), cover may be available under the following sections:

• 1.1 Overseas Emergency Assistance
• 1.2 Overseas Emergency Medical
• 1.4 Medical Evacuation & Repatriation
• 2.1 Cancellation
• 3.1 Additional Expenses

If your travel companion is positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19, which impacts your journey, cover may be available to you under the following sections: 

Note, you won’t be covered while travelling against advice or warnings issued by the Australian government and you did not take reasonable care to avoid contracting the sickness, for example by delaying travel to the country listed in a warning.

The above is a summary only, please refer to  Westpac Credit Cards Complimentary Insurance Policy Information Booklet   and  Westpac Business Credit Cards Complimentary Insurance Policy Information Booklet  for eligibility criteria, full terms, conditions, limits and exclusions.

A General Exclusion for epidemic/pandemic applies for all claims relating to any epidemic/pandemic outside of the select benefits in the applicable policy information booklet  Westpac Credit Cards Complimentary Insurance Policy Information Booklet   and  Westpac Business Credit Cards Complimentary Insurance Policy Information Booklet . Please note, terms, conditions, limits and exclusions apply.

To receive a formal outcome, Eligible Westpac Cardholders must submit a claim.

Eligible Westpac travellers who meet the eligibility criteria should be aware that other General Exclusions have the potential to apply.

What is a General Exclusion?

A General Exclusion is an exclusion which will be applied across all sections of an insurance policy, and applies regardless of when eligibility for cover was gained. Should a General Exclusion apply, this means that your complimentary credit card travel insurance excludes cover for the event, activities or circumstances (specified in the exclusion) that causes your claim.

To understand what is excluded from the Westpac Complimentary Insurance covers, please refer to Part D – Excesses & General Exclusions section and the section specific exclusions of the relevant Westpac Policy Information Booklet for which your eligible Westpac card is applicable under:  Westpac Credit Cards Complimentary Insurance Policy Information Booklet    and  Westpac Business Credit Cards Complimentary Insurance Policy Information Booklet .

Other exclusions may apply depending upon the circumstances of an individual claim. General Exclusions include but are not limited to:

• by the Australian government (when a ‘Reconsider your need to travel’ or ‘Do not travel’ alert is in place), which can be found on  www.smartraveller.gov.au ; or
• which was published in a reliable mass media source.
• any interference with your travel plans by any government, government regulation or prohibition or intervention or official authority. For example, if  Smartraveller  has a warning, ‘Do not travel’ or ‘Reconsider your need to travel’ due to the risk of COVID-19 infection for a destination, and a cardholder chooses to ignore the warning and is infected with COVID-19, cover may be excluded. Or if a government closes its borders to inbound travellers due to COVID-19 and you are unable to enter and follow your planned travel across the closed border, cover may be excluded.

What if a Westpac Eligible Cardholder has booked travel and needs to cancel due to contracting COVID-19?

If you are unable to travel as a result of contracting COVID-19, Cancellation cover may be provided to eligible travellers, if you or your travel companion are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic such as COVID-19, and cover is expressly included under the Cancellation section of the relevant Westpac Policy Information Booklet for which your eligible Westpac card is applicable under:  Westpac Credit Cards Complimentary Insurance Policy Information Booklet   and  Westpac Business Credit Cards Complimentary Insurance Policy Information Booklet . If you are unable to travel as a result of an Epidemic or Pandemic related event which does not include you or your travel companion being positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, for example a border closure, there may be no provision to claim as a general exclusion for epidemic and pandemic applies. A General Exclusion for epidemic/pandemic applies for all claims relating to any epidemic/pandemic outside of the cancellation benefits in the applicable policy information booklet. Please note, terms, conditions, limits and exclusions apply.

You therefore need to consider your own personal circumstances. We are not able to provide you with a cover decision before submitting a claim. To receive a formal outcome, Westpac Eligible Cardholders must submit a claim.

You should also contact your travel agent or travel service provider (airline, cruise line or Tour Company, etc) as they may be able to support you in obtaining refunds, credits or travel re-scheduling.

Can Westpac Eligible Cardholders make a claim for consideration?

Every Westpac Eligible Cardholder can submit a claim and have their individual circumstances considered in accordance with the eligibility criteria which includes the terms, conditions, limits and exclusions that apply as set out in the  Westpac Credit Cards Complimentary Insurance Policy Information Booklet    and  Westpac Business Credit Cards Complimentary Insurance Policy Information Booklet .

If you would like to claim, we encourage you to claim online via  insurance.agaassistance.com.au/westpac

Call the Allianz Global Assistance Claims team

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Westpac Credit Cards

Westpac altitude black credit card.

Updated 24 March 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

Up to 150k pts

Spend $6k within the first 120 days (100,000 points) in year 1, make an eligible purchase in year 2 (50,000 points)

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 31 July 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 31 July 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 31 July 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 19.99 % p.a.

Cash advance rate 21.49 % 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 Up to 150k points

Annual points cap uncapped

Bonus points spend criteria Spend $6k within the first 120 days (100,000 points) in year 1, make an eligible purchase in year 2 (50,000 points)

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

Resident or citizen of Australia

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

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$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.">

Apply by 28 May 24

Qantas American Express Ultimate Credit Card

60,000 bonus qantas points.

Spend $3,000 within the first 3 months. $450 Qantas Travel Credit to use on eligible domestic or international Qantas flights each year. Two complimentary The Centurion® Lounge entries each year plus travel insurance covers. T&Cs apply.

When you spend $3,000 within the first 3 months. $450 Annual Qantas Travel Credit. Two complimentary The Centurion® Lounge entries each year plus travel insurance covers. Add 4 additional cardholders for free.

Earn rate per $1

Bonus points.

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• 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

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

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• ABN: 76 646 638 146
• ACR: 528318
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My monthly card spend $5000

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• 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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Your reviews

Ask a question, westpac altitude velocity black.

Offers up to 120,000 bonus Velocity Points and yearly complimentary Economy X Seat Upgrade vouchers, but has a $75 yearly rewards fee on top of the annual fee.

• Up to 120,000 bonus Velocity Points
• 2 complimentary Economy X Seat Upgrade Vouchers each year
• 2 complimentary domestic Virgin Australia lounge passes per year
• Complimentary insurance covers including overseas travel, extended warranty and purchase protection
• Charges a high combined annual fee of $370 p.a.
• Only offers up to 45 days interest-free on purchases, compared to other cards that offer up to 55 days

The Westpac Altitude Velocity Black offers points and premium perks including complimentary lounge passes, travel insurance covers and a personal concierge service. It's also set apart from other Velocity credit cards by offering 2 Economy X Seat Upgrade Vouchers for eligible flights each year you have the card. As with any frequent flyer credit card, the value you get from points and other perks can help justify the yearly cost – but only when you use these perks.

Congratulations, Westpac!

Westpac Altitude Velocity Black received the highly commended award for 'Frequent Flyer Credit Card – Velocity' in the 2024 Product Awards.

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.
• Residency. This card is available to permanent Australian residents.
• Income. To apply for this card, you must earn at least $75,000 per year.
• Age. You must be at least 18 years old to apply.

Required documents

• Personal details. This includes your name, email address, living arrangements and a valid form of ID, such as your driver's licence number, Medicare card number or passport details.
• Employment details. This covers your current employment status, job title, salary and your employer's contact details. You may also need to provide supporting documentation such as recent payslips, bank statements or tax assessment notices.
• Financial details. This includes any other forms of income such as pensions or government payments, as well as savings and investments. You'll also need to share details of your existing debts and financial responsibilities, including an estimate of your living costs such as rent/mortgage payments, bills and groceries.
• Frequent flyer membership details. You'll be given the choice of earning points through the Altitude Rewards program, Altitude Velocity, or Altitude Qantas. If you're a member of Velocity Frequent Flyer, you will be prompted to enter your membership number when you choose this option.
• Up to 120,000 bonus Velocity Points. When you apply for a Westpac Altitude Velocity Black credit card by 31 July 2024, are approved, and spend at least $6,000 on eligible purchases within 120 days of card approval, you will receive 90,000 bonus Velocity Points. You'll get another 30,000 points after making your first eligible purchase in the second year. Your points will be added to your account within 12 weeks after you've met the spend requirement.
• Economy X Seat Upgrade Vouchers each year. When you add your membership number to your account and make a direct spend with Virgin Australia on your card, you will receive 2 vouchers for Economy X Seat Upgrades for eligible domestic flights each year to use for yourself and/or other passengers travelling on the same itinerary. The vouchers will be added to your account within 10 days of meeting the spend requirement and can be redeemed by calling 1300 038 373 at least 24 hours prior to your flight.
• Uncapped points. Earn 0.75 Velocity Points per $1 spent in Australia and with overseas merchants. You can redeem your rewards for Virgin Australia flights, upgrades and many more.
• Virgin Australia lounge passes. Enjoy two complimentary single-entry Virgin Australia domestic airport lounge invitations when you make a direct spend with Virgin Australia each year from card opening. You'll receive your invitations within 10 days of meeting the eligible spend.
• Complimentary insurance covers. This card comes with a range of complimentary insurances including overseas travel insurance, transit accident insurance, purchase protection and extended warranty insurance.
• Westpac Concierge. Your 24/7 Westpac Concierge service can help you with anything from booking restaurants, securing concert tickets or planning an event. You can make requests over the phone by calling 1300 651 999.
• Mobile wallets. If you link your card with Samsung Pay , Apple Pay or Google Pay , you can use your eligible smartphone or smartwatch to make contactless mobile payments at the checkout. You can also use your fitness tracker via Garmin Pay and Fitbit Pay.

Rates & fees

• Annual fee. This card charges a total annual fee of $370, which is made up of a $295 annual fee and $75 yearly rewards fee for choosing to earn Velocity Points.
• Purchase interest rate. The variable interest rate on purchases is 19.99% p.a.
• Cash advances. If you use the card to make a cash advance (such as an ATM withdrawal), you'll attract the 21.49% p.a. interest rate (variable). You'll also be charged a fee of 3% of each cash advance amount.
• Interest-free days. When you pay your monthly payment balance in full, which excludes current balance transfers, listed on your statement by the payment due date, you will receive up to 45 days interest-free on new purchases. Note that interest-free days are separate from any longer-term interest rate promotions.
• Foreign transaction fee. When you spend in a foreign currency on this card, you will be charged 3% of the transaction value.
• Westpac Altitude Velocity Black information PDF
• Westpac Altitude Velocity Black TMD

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February 09, 2024

My husband holds this card and I am the sub holder. Does that mean I won’t be eligible for this bonus offer? Thank you!

Sarah Megginson Finder

February 15, 2024

Hi Angie, That’s fine, if you are an additional cardholder on his account, you would still be eligible to apply for a new account in your own name and get this offer. If you are joint account holders on the initial account and each have a card, you would not be eligible.

Hope this helps!

February 24, 2023

I was wondering if the 0.75 Velocity reward point rate would be applicable for payments made to the Australian Tax Office. I understand Westpac Altitude would not but is it different for a Velocity reward card?

Also is it strange that I am not able to view reward points earned per transaction? I have just spoken to Westpac Altitude customer support and they have confirmed it is not possible for me to view each individual transaction earn rate. I can just see the total for the month which is transferred to Velocity… but how can I be sure that it is correct?

Amy Bradney-George Finder

March 03, 2023

Unfortunately, you can’t earn Westpac Altitude or Velocity Points for payments to the ATO with this card. Finder has a guide on credit cards that earn points for ATO payments that may be helpful.

Regarding the amount of points, it’s common for credit cards to show a total amount rather than points earned per transaction. Adding up the eligible spending for a period and looking at the points earned is a simple way to check that it matches up. Just keep in mind that some transactions won’t be for whole dollars, so the value of the cents could affect the amount of points earned. I hope that helps!

February 14, 2023

1. With my current black card, I earn point with the dollar spending. With the Velocity card, does it work the same? 2. My Black card came with a Sub card, with the Velocity card do I still get the sub card? 3. How will you get the yearly complimentary Economy X Seat?

Hi Mike, Thanks for your questions, here are the responses: 1. Yes, this card earns Velocity Points per $1 on eligible spending, at the rate listed in this review and on the Westpac website. 2. You can add 1 additional cardholder to this account at no extra cost, as long as they are at least 16 years of age. 3. To get the complimentary Economy X Seat Upgrade Vouchers, you need to add your Velocity membership number to your Westpac account and make a direct spend with Virgin Australia on your card. The vouchers will be added to your account within 10 days of meeting the spend requirement. To use them, you need to first book an eligible domestic Virgin Australia flight, then call Virgin Australia on 1300 038 373 at least 24 hours before your flight and ask to redeem the vouchers. Regards, Amy

September 25, 2019

Does this card attract overseas transaction fee when using abroad?

Joshua Finder

Thanks for getting in touch with Finder. I hope all is well with you. 😃

The answer to your question is yes. Westpac Altitude Black comes with a foreign transaction fee. This is charged when you spend in a foreign currency. The fee is 3% of the transaction value.

I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

Have a wonderful day!

Cheers, Joshua

August 15, 2019

Are there more than 2 cards available per account? If so, what is the cost for an additional card, please?

Jeni Finder

August 16, 2019

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This Westpac Altitude Black – Velocity credit card allows only one additional cardholder at no cost.

I hope this helps.

Thank you and have a wonderful day!

Cheers, Jeni

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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FOR THE MUM THAT GETS YOU

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Explore renowned and exclusive brands with the David Jones Gift Card. Endless choices across fashion, beauty, home, electronics, and fine food await.

Welcome to Altitude Rewards

Our credit card rewards program let’s you earn Altitude Reward points on everyday eligible purchases to redeem for our extensive range of offers from gift cards, cash back, with partner airlines or at our online store.

Not only do you get the choice on how you use your points, you’ll earn even more of them when you shop with our select partners. The best thing is, your points won’t expire while you’re an Altitude cardholder, giving you all the time you need to redeem.

Whether Platinum or Black, there’s plenty more to love beyond points and rewards. Scroll down to take a look.

A more rewarding program

Redeem from our large selection of digital cards for those everyday purchases such as fuel, groceries, technology, housewares and fashion 1 . Find out more

Use your points to book your next adventure. Find out more

Frequent Flyer

Transfer your Altitude Points to one of our airline partners 2 . Find out more

If you can't decide, you can redeem your points for cashback to your account 1 . Find out more

Merchandise

Browse hundreds of products from tech to homewares. Find out more

Earn up to 6 points per $1 with our Accelerated Earn Partners 3

Explore our Altitude Rewards cards

Altitude Platinum

Earn up to 3 points per dollar spent with the Altitude Rewards Platinum card

Altitude Black

Earn up to 6 points per dollar spent with the Altitude Rewards Black card

More than reward points

Complimentary insurance covers 6

Complimentary insurance covers for overseas travel, extended warranty, purchase security transit accidents are subject to the terms and conditions set out in the Westpac Credit Cards Complimentary Insurance Policy.

Personal Concierge Service

Exclusive to Westpac Altitude Black cardholders, the Personal Concierge Service 4 lets you browse and book experiences online, including hard-to-get tickets, last-minute restaurant bookings and more.

Extra Airport Lounge benefits

Including two complimentary Priority Pass airport lounge passes each year, one of which you can share with your travel companion 5 . See FAQs on how to redeem.

Ready to redeem?

Sign in to Westpac Online Banking or call 1300 887 820

Start earning rewards

Find out more

Things you should know

• Altitude Rewards Terms and Conditions
• Altitude Business Rewards Terms and Conditions
• Online Banking Terms and Conditions

The products and items available for redemption via this page are subject to change in points and availability.

This information is general in nature and has been prepared without taking your objectives, needs and overall financial situation into account. For this reason, you should consider the appropriateness of the information to your own circumstances and, if necessary, seek appropriate professional advice

Conditions, credit criteria and fees and charges apply, credit provided by Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.

You need to register for Westpac Online Banking and/or the Westpac Mobile Banking App in order to use Online or Mobile Banking. Read the Online Banking Terms and Conditions.

1. The earning and redemption of Altitude Points is subject to the Altitude Rewards Terms and Conditions or Altitude Business Rewards Terms and Conditions. The terms and conditions outline which purchases are eligible for points and the circumstances when you will not earn points, including when your account is overdue. Any unclaimed Rewards Points will expire 90 days from the day the account is closed. Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account.

2. You must be a member of the relevant frequent flyer program to redeem Altitude Points for frequent flyer points and a joining fee may apply. The Altitude Terms and Conditions or the Altitude Business Rewards Terms and Conditions and relevant frequent flyer program terms and conditions apply. Reward flights may be limited and points may be subject to expiry once transferred.

3. Accelerated Earn - Flights: Earn 6 points per dollar on the first $10,000 spent on flights per calendar month, then 1.25 points per $1 spent thereafter on the Altitude Black Mastercard. Or earn 3 points per dollar on the first $10,000 on flights per calendar month, then 1 point per $1 spent thereafter on the Altitude Platinum Mastercard. Points earn applies to flights purchased in Australia directly with the above listed participating airlines using your Altitude Black Mastercard or Altitude Platinum Mastercard. Excludes flights not purchased directly with the participating airlines for example flights purchased through a travel agent, online aggregators or other airlines such as a code-share etc. Excludes Altitude Qantas, Altitude Velocity and Visa Altitude cards. Participating airlines are subject to change.

4. Concierge Services for Altitude Black. Concierge services are provided by a third party supplier. For further details including terms and conditions visit westpac.tenconcierge.com

5. Complimentary lounge passes disclaimers: Priority Pass Membership: Available to Westpac Altitude Black primary cardholders earning Altitude Points through the Altitude Rewards program. Requires enrolment through prioritypass.com/westpacblack. The Primary Cardholder receives two complimentary visits in any 12-month period, one of which may be used by an accompanying guest. Subsequent visits in the 12-month period incur an additional cost, currently US$32 per person, per visit, which will be automatically charged to the primary cardholder's Altitude Black card. A Foreign Transaction Fee will apply to the conversion amount. Unused visits expire and cannot be carried forward to any subsequent year. Visit the Contact Us page on www.prioritypass.com for enquiries about the Priority Pass program. Subject to the Priority Pass Conditions Of Use.

6. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible Westpac cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the Westpac Credit Cards Complimentary Insurance Policy (PDF 6MB) which may be amended from time to time. Westpac does not guarantee this insurance.

Altitude Travel is operated by Mastercard Travel Solutions Australia Pty Ltd. ABN 70 003 745 999 and subject to the Altitude Travel Terms and Conditions .

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Travel Insurance

Choose a plan & get a quote on the AGA website

Cover provided by Allianz Global Assistance

Choose the level of cover that suits your needs with travel insurance provided by our trusted partner, Allianz Global Assistance (AGA).

For information on travel plans and features available and to get a quote you will be directed to AGA. The information you provide will be subject to AGA's Privacy Statement and Privacy Policy, detailed on their website.

What does travel insurance cover?

Travel insurance may cover you when things don't go to plan, and may provide cover for unexpected events, like replacing lost or stolen items, travel delays or overseas emergency medical assistance.

You may already have travel insurance

Some Westpac and other credit cards come with complimentary travel insurance. If you have a credit card, check whether it includes travel insurance that suits your needs, and how to activate it, if it is included.

Read about complimentary insurance available to Westpac cardholders

Explore the Travel Insurance features

Depending on the plan you choose, you may be covered for:.

• 24/7 Overseas Emergency Assistance
• Overseas Medical & Hospital Expenses
• Cancellation
• Additional Expenses
• Luggage, Personal Effects & Valuables

For more information on travel plans and additional features available, and to get a quote, you will be directed to AGA. The information you provide will be subject to AGA's Privacy Statement and Privacy Policy, detailed on their website.

Cover for COVID-19

What is included.

If you’d like to know what COVID-19 cover is included, please see the FAQs on the AGA website .

How to claim

Lodge a claim online.

Lodge your claim online via the AGA website, or email [email protected] .

Lodge a claim over the phone

Call AGA on 1800 502 077 , 8am–7pm, Mon–Fri, 8am–5pm, Sat (Sydney time).

Explore the plans

To find out more and get a quote you will be directed to AGA. The information you provide will be subject to AGA's Privacy Statement and Privacy Policy, available on their website.

Customer support

1800 502 077

If you have any questions or need to make changes to your travel insurance policy, call AGA. 

8am–7pm, Mon–Fri 8am–5pm, Sat (Sydney time)

24/7 emergency assistance

Call emergency services immediately if your condition is life threatening.

Call Allianz Global Assistance as soon as you can on: 1800 010 075  (within Australia) +61 7 3305 7499  (overseas) Please note additional charges may apply for any calls made from mobiles, public telephones or hotel rooms.

Things you should know

Travel insurance is issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance (AGA) for the insurer Allianz. Westpac Banking Corporation ABN 33 007 457 141 (the Bank) refers clients to Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz) for their travel insurance needs, but does not guarantee this insurance. If you take out Travel Insurance with Allianz, the Bank will receive a commission of up to 10% of the premium (exclusive of GST).

This information does not take into account your objectives, financial situation or needs. Terms, conditions, exclusions, limits and applicable sub-limits apply. Read the Product Disclosure Statement (PDS), to see if this insurance is right for you. 

A Target Market Determination (TMD) has been made for this product. The PDS and TMD can be obtained from AGA at https://allianzassistancetravel.com.au/leisure/travelwbc/travel-insurance .

By selecting 'Explore the plans', you will enter a third-party site hosted by AGA. Any personal information you provide to AGA’s hosted site will be collected, used and disclosed in accordance with AGA’s Privacy Statement and Privacy Policy available at https://allianzassistancetravel.com.au/leisure/travelwbc/travel-insurance .

Westpac's Privacy Statement  is available at  westpac.com.au/privacy/privacy-statement  or by calling  132 032  8am–8pm Sydney time, 7 days. It covers:

• How you can access the personal information Westpac holds about you and ask for it to be corrected;
• How you can complain about a breach of the Privacy Act 1988 (Cth) or a registered Code by Westpac and how Westpac will deal with your complaint; and
• How Westpac collect, hold, use and disclose your personal information in more detail.

View the Westpac Retail and Business Banking Financial Services Guide and Credit Guide (PDF 238KB)