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Terms and Conditions

Information current as at 7 January 2019.
Fees, charges and credit criteria apply. Read the terms and conditions available for download below before making a decision.
Combined Conditions of Use and Credit Guide (PDF 161kb) Westpac Credit Cards Complimentary Insurance Policy (PDF 770kb) Westpac Rewards Cards Concierge Service Terms and Conditions (PDF 153kb) Altitude Rewards and Altitude Qantas Terms and Conditions (PDF 720k) Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.

  1. Altitude Rewards: The earning and redemption of Altitude Points is subject to the Altitude Terms and Conditions. You do not receive points if your card account is in arrears for two consecutive card statement cycles and in other circumstances. You must have earned a minimum of 3,000 points before you can redeem for any rewards. Altitude Points do not expire as long as you remain an Altitude cardholder unless the rewards program is terminated.
  2. Altitude Qantas: The earning and redemption of Qantas Points is subject to the Altitude Terms and Conditions You must be a member of the Qantas Frequent Flyer program to earn and redeem points in accordance with the terms and conditions of the Qantas Frequent Flyer program. An annual $50 Qantas Rewards card fee applies for customers who choose to earn Qantas Points through Altitude Qantas rewards program.
  3. Altitude Travel Service is operated by Mastercard Travel Solutions Australia Pty Ltd. ABN 70 003 745 999. Blackout dates may apply. Offers may vary according to itinerary options, currency fluctuations and taxes at the time of booking. A credit card usage fee may apply. For more information visit the Altitude Rewards website or call Altitude Travel on 1300 651 999.
  4. Priority Pass Membership: To enrol, go to altitudeblack.com.au/loungepass. Lounge usage in excess of two visits within any 12-month period and all guest visits will be charged directly to your Altitude Black credit card at the prevailing visit fee which is currently US$27 per person, per visit. The first two visits within each 12-month membership period are complimentary to the primary cardholder only, after which every visit would be charged as per the prevailing rates. Any accompanying guests will be charged the prevailing visit fee which is currently US$27 per person, per visit, which will be automatically charged on the cardholder's Altitude Black credit card. A Westpac Foreign Transaction Fee will apply to the conversion amount. Prices are current as of 7 January 2019. The date of visits determines which year of membership the visit is allocated to. Unused visits cannot be carried forward to the following 12-month period of membership. The number of free visits will be reset to two per each 12-month period. If you have enquiries about the Priority Pass program, contact Priority Pass by visiting the Contact Us page on www.prioritypass.com. For full details on terms and conditions, visit Priority Pass website at prioritypass.com/conditions-of-use
  5. Qantas Store Products: are for delivery in Australia and New Zealand only (and different products are available in each delivery location). Redemption of points through the online store is subject to terms and conditions (including store terms of use and voucher terms and conditions). See qantas.com/store for details.
  6. Qantas Club Complimentary Invitations. As a Westpac Altitude Black cardholder earning Qantas Points, you are eligible for two Qantas Club Complimentary Invitations within each 12-month period of your anniversary registration date when you register your Altitude Black credit card via loungepass.altitudeblack.com.au and use your card in Australia to purchase selected Qantas products and services. Selected Qantas products and services are the following items purchased directly from Qantas: Qantas passenger flights (with a QF flight number), Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar, Qantas Holidays, Qantas branded non-airfare products and any Qantas products and services not purchased directly from Qantas. The Qantas Club Complimentary Invitations will be made available within 14 business days of meeting eligible spend via the Qantas Complimentary Invitations Portal, provided you are not in breach of the Credit Card Conditions of Use and your account remains open. Log in to the portal using your Qantas Frequent Flyer account to access your invitation, link it with an eligible Qantas flight booking, or to find out more information. To receive your Complimentary Invitations, you must have provided Westpac with your Qantas Frequent Flyer Number. If you have not yet registered for your complimentary Qantas Frequent Flyer Membership, you may join at qantaspoints.com/ffjoinwestpac
    Qantas Club Complimentary Invitations are provided courtesy of Westpac, and are valid for Qantas Club and Qantas operated International Business Lounges only (excluding Los Angeles Tom Bradley Airport lounge). Not valid in International First Class lounges, Chairman's Lounge, Qantas Domestic Business, Qantas oneworld® alliance airline, partner airline or associated lounges. Each invitation is valid for a single visit before the expiry date specified on the invitation, when travelling with Qantas or Jetstar with a Qantas (QF) or Jetstar (JQ, 3K, GK, BL) flight number. Qantas Club Complimentary Invitations must not be resold. Qantas reserves the right to cancel invitations and disqualify future invitations that are in breach of this policy.
    Access and use is subject to Qantas Club rules which are available at qantas.com/qantasclub. Access may not be available if the applicable lounge is full or near capacity, at the full discretion of lounge staff. Access and use of Qantas club lounges is subject to Qantas Club terms and conditions.
  7. Qantas & Partner Classic Award Seats are subject to capacity controls and availability is limited. The number of seats available depends on the flight, date, season and destination. Some flights may not have any Classic Award seats available. For Classic Award flights, taxes, fees and carrier charges are payable in addition to the points required, are subject to change and are quoted at the time of booking. Award flights must be booked at least 24 hours before scheduled departure (and other advance booking requirements may apply).
  8. Flight Upgrades are subject to capacity controls and availability is limited. Flight upgrades are not available on Classic Awards or on international airfares booked in E, N, O, P, Q, and X class (which includes some Any Seat Awards and some Red e-Deals). You must have an eligible paid and confirmed ticket on a Qantas operated service (with a QF flight number on your ticket).
  9. Qantas & Jetstar Any Seat Awards are available on any flight with a QF or JQ flight number. The points required will be quoted when booked. There is no fixed relationship between the cash price charges by the applicable airline for a seat and the points required to redeem an Any Seat Award through Qantas Frequent Flyer. Special promotional fares may not apply. Award flights must be booked at least 24 hours before scheduled departure (and other advanced booking requirements may apply). For more information see qantas.com/frequentflyer The Jetstar Any Seat Awards booking service is operated by Carlson Marketing Group (Aust) Pty Ltd trading as Carlson Leisure Travel Service Licence No. 2TA 5778, IATA 02-3-59523.
  10. Westpac Altitude Black credit card Concierge Services are subject to the Westpac Rewards Credit Cards Concierge Service Terms and Conditions at westpac.com.au
  11. 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 which may be amended from time to time. Westpac does not guarantee this insurance.

Additional Cardholder. Additional credit card(s) can be issued on the primary cardholder’s credit card account to any nominated person 16 years or over. All transactions using the additional credit card will be the responsibility of the primary cardholder.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. World Mastercard program terms and conditions apply.

© 2019 Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.
Westpac is the credit provider and credit licensee under National Consumer Credit Laws.

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