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

Get 80,000 bonus Qantas points or Altitude points + $250 Annual Card Fee for the first year

From 4 April 2018, there will be important changes to the Westpac Altitude Black credit card. To see the changes click here. Please note that customers who switch or upgrade from an existing Westpac credit card or who take the Westpac Altitude Black card as part of any package are not eligible for the bonus points, balance transfer or purchase rate offer.

Card Features

  • Get 80,000 Bonus Qantas or Altitude Points on your new Altitude Black credit card when you spend $5,000 on eligible purchases within 90 days of card approval.13
  • $250 Annual Card Fee for the first year. Will revert to the Standard Annual Card Fee after the first year.14
  • No points capping, and Westpac’s highest earn rate. Earn uncapped points on your Altitude Black card.
  • With Altitude Rewards, you can redeem your points for rewards from travel, concerts and experiences to fashion and designer furnishings. You'll also receive two complimentary lounge visits per year with your Priority Pass membership. Use them at your choice of 700+ VIP airport lounges in more than 275 cities across 100 countries. To use your pass you need to first enrol at
  • With Altitude Qantas, you’ll receive two complimentary Qantas Club Lounge invitations per year, ideal to share with friends or family. To receive your pass, you need to first register at and then use your Altitude Black card to purchase Qantas products and services in Australia.6
  • 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® Altitude Black American Express® Card
1.25 points 2.5 points

From 4 April 2018, Westpac-issued American Express cards will close.
Altitude Black World Mastercard® Altitude Black American Express® Card
0.625 points

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

From 4 April 2018, Westpac-issued American Express cards will close.

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.

Special promotions are available on
new credit cards only. Hurry, apply
before 31 January 2018.

Call 1300 651 999 or

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