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Life Styled 0% p.a. on purchases for 12 months
Apply now

Or call 1300 104 930

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New cards only. Conditions apply.
Offer ends 30 June 2015.

Other enquiries,
call 1300 651 089

Visit your nearest branch



Apply now

Or call 1300 104 930

60 second
online response

Other enquiries,
call 1300 651 089

Visit your nearest branch

Balance Transfer Calculator

0% p.a. for 16 months on balance transfers when requested at card application1


Enter your current balance

$ 6,500

Enter your current interest rate (p.a.)


Your savings on interest after 16 months could be up to

$6.40

View Calculator assumptions

Altitude Black – the credit you deserve.

Westpac’s most rewarding credit card offers you our highest earn rate, with no points capping, a choice of two great reward programs - Altitude Rewards or Altitude Qantas and other rewarding benefits.

Altitude Black benefits:

  • Special promotion: 0% p.a. interest for 16 months on balance transfers when requested at card application. The variable cash advance rate, currently 21.49% p.a., will apply to balance(s) transferred but left unpaid at the end of the promotional period1
  • Special promotion: 0% p.a. interest on purchases for 3 months. Starts from card approval on new Altitude Black cards. After 3 months the interest rate will switch to the then variable purchase rate, currently 20.24%p.a.2
  • Your choice of Rewards program – depending on your choice of rewards program, you can earn Altitude Points or Qantas Points on your eligible purchases.
  • No points capping, and Westpac’s highest earn rate. The number of points you earn on your Altitude Black card account is uncapped, with $1 spent on eligible purchases earning the following points:
  • Per $1 spent on eligible purchases Altitude Rewards - Altitude Points3 Altitude Qantas - Qantas Points4

    Altitude Black World MasterCard®
    (Australian merchants)

    1.25 points 0.625 points

    Altitude Black World MasterCard®
    (overseas merchants)

    3 points 1.5 points

    Westpac Altitude Black American Express® Card
    (Australian and overseas merchants)

    3 points 1.5 points

  • With Altitude Rewards each year you’ll receive two complimentary lounge passes with your complimentary Priority Pass membership after you first register with your Altitude Black American Express® Card, to use at your choice of over 700 VIP airport lounges in over 400 cities in 120 countries, regardless of the class of travel or airline you’re flying. To use your pass you need to first enrol at altitudeblack.com.au5
  • 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 altitudeblack.com.au and then use your Altitude Black card to purchase Qantas products and services in Australia6
  • Altitude Black Travel service, which can help you plan and book every aspect of your journey7
  • Relax over a glass of bubbly and meal pre-flight with two complimentary visits per year to the American Express Lounge at T1 Sydney International Airport.8
  • With your Altitude Black World MasterCard®, you'll be fast tracked to elite Gold Preferred Guest Membership status with Starwood Hotels and Resorts when you enrol as a Starwood Preferred Guest Gold member and register for this promotion and stay and pay for the eligible stay and all services in the Asia Pacific region using your Altitude Black World MasterCard®9
  • A dedicated Altitude Black Concierge service and access to the exclusive Altitude Black Card Concierge iPhone application10
  • 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
    • Extended Warranty Insurance
    • Transit Accident Insurance
  • Optional Repayment Cover. Credit Card Repayment Protection helps cover your repayments, if you unexpectedly lose your job, or can’t work due to sickness or injury.12 Premiums apply.
  • The convenience of two credit cards with one monthly statement and one credit limit

Interest rates.

  • On balance transfers when requested at card application – 0%p.a. interest for 16 months. The variable cash advance rate will apply to balances(s) transferred but left unpaid at the end of the promotional period1
  • On purchases – 0% p.a. interest for 3 months from card approval. After 3 months the rate switches to the variable purchase rate then applicable to your card account, currently 20.24%p.a.2
  • On cash advances – 21.49%p.a. (variable)

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
  • Annual fee currently $395
  • Minimum credit limit $15,000
  • Minimum income to apply $75,000p.a.

Special promotions are available on new credit cards only and you must apply between 20 April 2015 and 30 June 2015.

Apply now

Or call 1300 104 930

60 second
online response