life, styled

The Altitude Black Credit Cards

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.

Exclusive offer ends 6 July 2016. New cards only.

0 % p.a. on balance transfers

for 20 months requested at card application1. The variable purchase rate applies to any unpaid amount after this period.

0.99 % p.a. on purchases

for up to 3 months from card approval2.

  • 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.

Why Altitude Black is the card for you

Choice of rewards programs

Choose to earn either Altitude Points3 or Qantas Points4 on your eligible purchase

> Compare rewards programs

Upcapped points

With your choice of rewards program there’s no limit on the amount of points you can earn.

Complimentary insurance cover

This includes Overseas Travel Insurance, Extended Warranty Insurance and Transit Accident Insurance, as set out in your policy5.

> Download the app

Even more reasons to go with Altitude Black

Altitude Black concierge service and app

Via the priority service line or through the exclusive concierge iPhone application, our dedicated team are at hand 24/7 to handle your requests – from restaurant and taxi bookings to planning a party 6.

Priority Pass Membership to Airport lounges

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 worldwide7.

> Register your card at altitudeblack.com.au

With Qantas Rewards get two Complimentary Qantas lounge passes

Two complimentary Qantas Lounge invitations per year after your first Altitude Black Card spend on selected Qantas products and services8. To take advantage you must first register and opt in.

> Register and opt in

American Express Sydney international Airport lounge

Before your next international flight you can use your AMEX Black card twice a year to enter the AMEX lounge at Sydney International Airport for complimentary dining and beverages9.

Westpac priority Service Line.

Your 24/7 exclusive number for any credit card questions.

Card Repayment Protection

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.10.

Calculate how much you could save by
consolidating your cards

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

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Your interest savings

  • You don’t make any purchases on your card until the promotional period ends or the balance transfer is paid in full
  • You only make minimum repayments on your card in the first 20 months
  • The interest rate applying to your non-Westpac credit card will not change
  • You don't pay your card off in full each month
  • The minimum monthly repayment will be paid by the statement due date each month. The minimum repayment on your credit card is whichever is greater of: 2% of your total balance, or $10, or the amount of outstanding government and interest charges
  • No cash advance transactions are made
  • Excludes any fees that may apply to either card, including annual fees and when they are charged.

A breakdown of how you earn points

Every $1 you spend on eligible purchases with your Altitude Black card earns you the following points:

Per $1 spent on eligible purchases Altitude Rewards - Altitude Points2 Altitude Qantas -
Qantas Points3

Altitude Black World Mastercard® Card

(Australian merchants)

Altitude points

1.25 points

Qantas points

0.625 points

Altitude Black World Mastercard

(overseas merchants)

Altitude points

3 points

Qantas points

1.5 points

Altitude Black American Express® Card

(Australian and overseas merchants)

Altitude points

3 points

Qantas points

1.5 points

Compare Altitude Black with similar cards.

Cards with choice of rewards Purchase Rate Balance Transfer Cash Advance Rate Annual Fee

Altitude Black Credit Card

This is our premium rewards card with a lot of exclusive advantages.
Purchase Rate

0.99% p.a. for up to 3 months

rate then switches to

20.24% p.a. variable

Balance Transfer

0% p.a. for 20 months requested at application


rate then switches to variable purchase rate

Cash Advance Rate

20.74% p.a. variable

Annual Fee

$395

Altitude Credit Card

A great first rewards card that gives back for every dollar you spend. > Learn more
Purchase Rate

0.99% p.a. for up to 3 months

rate then switches to

20.24% p.a. variable

Balance Transfer

0% p.a. for 14 months requested at application


rate then switches to variable purchase rate

Cash Advance Rate

20.74% p.a. variable

Annual Fee

$100

Altitude Platinum Credit Card

For those who love rewards, but want extra advantages too. > Learn more
Purchase Rate

20.24% p.a. variable

Balance Transfer

0% p.a. for 14 months requested at application


rate then switches to variable purchase rate

Cash Advance Rate

20.74% p.a. variable

Annual Fee

$150

Frequently asked questions

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:

  1. You’re a permanent Australian resident or you hold a current and valid 457 Visa and live in Australia
  2. You spend at least $A500 on your travel costs before you leave Australia using one of your Altitude Black or Platinum cards. This could include return travel tickets, airport or departure taxes, overseas accommodation etc.
  3. You have a return overseas travel ticket before leaving Australia
  4. You’re not over 80 years of age when you first become eligible for this cover, by meeting the above conditions.

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)