This is our most rewarding card with our highest points earn rate. Black comes with no capped points limit, a choice of rewards programs and complimentary premium travel and lifestyle services.
Offer ends 11 October 2016. New cards only.
when you spend $2,500 on eligible purchases within 90 days of card approval1.
for up to 12 months from card approval2.
0% p.a. on balance transfers for 18 months, requested at card application3
Up to 45 days interest free on purchases when you pay the closing balance (including balance transfer amount) by the statement due date
20.74%p.a. variable rate on cash advances
20.24% p.a. variable rate on purchases
Annual fee currently $395
Minimum credit limit $15,000
Minimum income to apply $75,000 p.a.
Choose to earn either Altitude Points4 or Qantas Points5 on your eligible purchase
For new Uber riders only. Expires 16 December 2016. Use in Australia only. Excludes uberTAXI. T&Cs apply.
This includes Overseas Travel Insurance, Extended Warranty Insurance and Transit Accident Insurance, as set out in your policy6.
Via the priority service line or through the concierge iPhone application, our dedicated team are at hand 24/7 to handle your requests – from restaurant and taxi bookings to planning a party 7.
If you choose Altitude Rewards you can register your Altitude Black American Express card to receive two complimentary passes per year to use at over 700 VIP airport lounges worldwide8.
Two complimentary Qantas Lounge invitations per year after your first Altitude Black Card spend on selected Qantas products and services9. To take advantage you must first register and opt in.
Your 24/7 number for any credit card questions.
You can set this up to help you meet the repayments on your card if you lose your job or you’re unfit for work.11.
Use our savings calculator to see how much you could save with one of our credit cards.
1. Enter your balance
2. Enter your interest rate (p.a.)
Your interest savings
over 18 months
Monthly payment to achieve $0 balance
(Australian and overseas merchants)
|Cards with choice of rewards||Purchase Rate||Balance Transfer||Cash Advance Rate||Annual Fee|
Your Altitude Black card comes with a personal concierge service, which you can access through our app or the priority service line. The team are available to help you 24/7 with jobs like booking a table at your favourite restaurant, organising flight tickets, finding a gift or locking in accommodation for your next getaway.
As a current Westpac cardholder, you automatically become eligible for complimentary Overseas Travel Insurance cover – as long as you meet the following criteria:
For full details on complimentary insurance, please see the Complimentary Insurance Policy PDF.Westpac Credit Cards Complimentary Insurance Policy (PDF 297kb)
When you make your monthly repayments, we allocate it to the balance incurring the highest interest rate; firstly, cash advances, then purchases and finally to your balance transfer amount. For full details on how we allocate your credit card payments, please see the Credit Card Terms and Conditions.Consumer Credit Card Conditions of Use (PDF 230kb)