50,000 bonus Qantas or Altitude Points. Minimum spend criteria applies.

The Altitude Black credit cards.

Summer's yours to enjoy with 50,000 bonus points and the impressive range of Altitude Black benefits.

Offer ends 30 January 2017. New cards only.

50,000 bonus Qantas or Altitude points

when you spend $2,500 on eligible purchases within 90 days of card approval1.

1 % p.a. on purchases

for up to 12 months from card approval2.

  • 0% p.a. on balance transfers for 16 months, requested at card application3. Rate then switches to the variable purchase rate (currently 20.24% p.a.) applies to any unpaid amount.

  • 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

  • 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 Points4 or Qantas Points5 on your eligible purchase

Compare rewards programs

Try Uber, on us.

As an existing customer you can enjoy up to $25 on your first Uber ride.

Find out more

For new Uber riders only. Expires 16 May 2017. Use in Australia only. Excludes uberTAXI. T&Cs apply.

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 policy6.

Find out more

Even more reasons to go with Altitude Black.

Altitude Black concierge service and app

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.

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 worldwide8.

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 services9. 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 beverages10.

Westpac priority Service Line.

Your 24/7 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.11.

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 (p.a.)

=

Your interest savings
over 16 months

Monthly payment to achieve $0 balance

Savings Calculator

  • 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 16 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

Repayments Calculator

  • The repayments are calculated by dividing the balance transfer amount with the promotional balance transfer period 16 months
  • You pay your full balance by the allotted balance transfer period 16 months
  • You don't make any purchases on your card until the promotional period ends or the balance transfer is paid in full
  • The interest rate applying to your non-Westpac credit card will not change
  • 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 Altitude Black earns you the following points.

Altitude Black World Mastercard®

(Australian merchants)

Per $1 spent on eligible purchases: Altitude Rewards - Altitude Points4
1.25 Points
Per $1 spent on eligible purchases: Altitude Qantas - Qantas Points5
0.625 Points

Altitude Black World Mastercard®

(overseas merchants)

Per $1 spent on eligible purchases: Altitude Rewards - Altitude Points4
3 Points
Per $1 spent on eligible purchases: Altitude Qantas - Qantas Points5
1.5 Points

Westpac Altitude Black American Express®

Per $1 spent on eligible purchases: Altitude Rewards - Altitude Points3
3 Points
Per $1 spent on eligible purchases: Altitude Qantas - Qantas Points4
1.5 Points

Compare Altitude Black with similar cards.

Cards with choice of rewards Special offer Purchase Rate Balance Transfer Annual Fee

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)