Things you should know:
Consumer Credit Card Conditions of Use (PDF 230kb)
Westpac Credit Cards Complimentary Insurance Policy (PDF 770kb)
Westpac Rewards Cards Concierge Service Terms and Conditions (PDF 153kb)
Credit Card Repayment Protection Product Disclosure Statement (PDF 222kb)
Altitude Rewards and Altitude Qantas Terms and Conditions (PDF 193k)
Fees, charges and credit criteria apply. Read the terms and conditions available for download above before making a decision.
Special promotion: 0%p.a. on purchases for 12 months: The introductory rate of 0%p.a. on purchases for 12 months applies from card approval when you apply for a new Westpac Altitude Black credit card between 17 November 2014 and 5 January 2015. After 12 months, the introductory purchase rate will switch to the variable purchase rate then applicable to your card account. The introductory rate on purchases is not available in conjunction with any promotion other than a balance transfer offer available at card application. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible.
The earning and redemption of Altitude Points is subject to the Altitude Rewards Terms and Conditions. You do not receive points if your card account is in arrears for two consecutive statement cycles and in other circumstances.
The earning and redemption of Qantas Points is subject to the Altitude Qantas 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.
Altitude Travel Service is operated by Pinpoint Travel Group Pty Ltd. Licence No. 2TA002974. Blackout dates may apply. Offers may vary according to itinerary options, currency fluctuations and taxes at the time of booking. Altitude Travel charges a 2% credit card usage fee. This fee is correct as at 19 August 2013 and is subject to change. For more information visit the Altitude Rewards website or call Altitude Travel on 1300 651 999.
Priority Pass Membership: To enrol, go to prioritypass.com/axwestpacblack. Lounge usage in excess of two visits and all guest visits will be charged directly to your Altitude Black American Express© card at the visit fee 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 US$27 per visit, which will be automatically charged on the cardholder's Altitude Black American Express card. The date of visits determines which year of membership the visit is allocated to. Unused visits cannot be carried forward to the following year of membership. The number of free visits will be reset to two per each 12-month period. For full details, visit the Priority Pass website at prioritypass.com/conditions-of-use.cfm
Starwood Preferred Guest: Enrol online at spg.com/westpacworldmastercard or call 1800 072 525. The complimentary upgrade to Gold status ('Promotion') is valid only for World MasterCard® cardholders who are enrolled as Starwood Preferred Guest® Gold members ('SPG Members') at the Preferred Guest Tier, and who have registered for the Promotion, qualified with an eligible stay and made full payment for the eligible stay and all services during the eligible stay with a World MasterCard. Blackout dates and other restrictions may apply to the Promotion Membership. The Starwood Preferred Guest Program is governed by the terms and conditions of the Starwood Preferred Guest Program, which can be found at spg.com/worldmastercardgoldupgrade or spg.com. Participation in the Promotion constitutes acceptance of and agreement with the Promotion Terms and Conditions. For full Terms and Conditions, please go to spg.com/westpacworldmastercard
Concierge Services are subject to the Westpac Rewards Cards Concierge Service Terms and Conditions at westpac.com.au
Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
Complimentary Insurance covers: Zurich Australian Insurance Limited ABN 13 000 296 640 AFSL 232507 (Zurich) issues these covers to Westpac Banking Corporation under separate Master Policies and is liable for the risks insured. Terms, conditions, exclusions and limits apply. No Westpac Group company has any liability in connection with the insurance policies. Policy wording may be obtained by calling 1300 859 100 or by downloading the Westpac Credit Cards Complimentary Insurance Policy at westpac.com.au
Optional Credit Card Repayment Protection is issued by Westpac General Insurance Limited ABN 99 003 719 319 (WGIL) and Westpac Life Insurance Services Limited ABN 31 003 149 157 (WLIS), each of which is liable for separate risks under the terms of the policy. This insurance product is distributed by Westpac Banking Corporation ABN 33 007 457 141 (the Bank). The policy is not an investment in or deposit with the Bank. No Westpac Group company (other than the Bank as policy distributor and WGIL and WLIS as the product issuers) has any liability in connection with the policy or this document. The Bank does not guarantee payments under the policy.
MasterCard® and the MasterCard brand mark are registered trademarks and PayPass™ is a trademark of MasterCard International Incorporated. American Express® is a registered trademark of American Express. The Westpac Altitude Black American Express Card is issued by Westpac Banking Corporation pursuant to a license from American Express. iPhone is a trademark of Apple Inc.
© 2014 Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.