Altitude Black is Westpac's most rewarding card with our highest level of rewards, premium travel and lifestyle services.

From 4 April 2018, there will be important changes to the Westpac Altitude Black credit card. To see the changes click here.

Card Features

  • Complimentary lounge passes. If you choose Altitude Rewards you can register for two complimentary visits to Priority Pass Lounges, and if you choose Altitude Qantas, you can register to receive two complimentary lounge invitations to Qantas Club Lounges.
  • Altitude Black Travel service, which can help you plan and book every aspect of your journey.3
  • A dedicated Altitude Black Concierge service and access to the exclusive Altitude Black Card Concierge iPhone app.10
  • The Altitude Black Card Priority Service line, available 24/7 for any Westpac card-related queries.
  • A range of complimentary insurance cover, as set out in the policy, including:11
    • Overseas Travel Insurance
    • Purchase Security Insurance
    • Extended Warranty Insurance
    • Rental Vehicle Excess Insurance
  • Optional Credit Card Repayment Protection, in case you lose your job or can’t work due to illness or injury.12

Westpac's highest earn rate, with no points capping

The number of points you can earn on your Altitude Black account is uncapped.
Points earned per $1 spent on eligible purchases is as follows:

Altitude Black World Mastercard ® Earn Rates
Altitude Rewards1 Altitude Qantas2
1.25 points 0.625 points

From 4 April 2018, the number of points you can earn will increase to 0.75 Qantas Points

Variable interest rates

  • Variable purchase rate currently 20.24% p.a.
  • Variable cash advance rate currently 20.74% p.a.

Interest-free days on purchases and more

  • Up to 45 days interest-free on purchases when you pay the closing balance (including any balance transfer amount) by the statement due date each month
  • Minimum credit limit $15,000
  • Recommended income to apply $75,000 p.a.

Call 1300 651 999 or

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