The Westpac Altitude Black Card has the highest earn rate of any Altitude Rewards credit card and no points cap. This means you'll earn between 1.25 and 6 points per $1 on all eligible spending, with the highest rate for Qantas, Jetstar, Singapore Airlines and Emirates bookings made in Australia. It also offers up to 45 days interest-free on new purchases when you pay the total monthly payment balance listed on each statement by due date. Otherwise, the card's 20.99% p.a. variable interest rate applies.
Westpac Altitude Black
![Westpac Altitude Black](https://www.finder.com.au/niche-builder/658baa4972718.png)
- Bonus points
- 150,000
- Purchase rate
- 20.99% p.a.
- Reward points per $ spent
- 1.25
- Annual fee for the first year ($295 p.a. thereafter)
- $150 p.a.
Our verdict
Offers up to 150,000 bonus Altitude Rewards points, airport lounge access and complimentary insurance, with a discounted $150 first-year annual fee.
Pros
-
Up to 150,000 bonus Altitude Rewards Points offer
-
Discounted first-year annual fee
-
Complimentary lounge passes
-
Complimentary overseas travel and purchase insurances
Cons
-
Up to 45 days interest-free on purchases, compared to other cards that offer up to 55 days
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Relatively high standard annual fee of $295 p.a.
Details
Product details
Product Name | Westpac Altitude Black |
Purchase rate p.a. | Purchase rate p.a. 20.99% |
Interest-free period | Up to 45 days on purchases |
Cash advance rate p.a. | 21.99% |
Min credit limit | $15,000 |
Max credit limit | $75,000 |
Card type | Mastercard |
Eligibility
Available to temporary residents | Yes - Conditions apply |
Minimum income | $75,000 |
Joint application | No |
Rewards
Rewards program | Westpac Altitude Rewards |
Bonus points | 150,000 |
Rewards points per $ spent | 1.25 |
Fees
Annual fee | Annual fee $150 first year ($295 after) |
Minimum monthly repayment | 2% of the closing balance or $10, whichever is greater |
Late payment fee | $15 |
Foreign currency conversion fee | Foreign currency conversion fee 3% |
Cash advance fee | 3% |
Additional cardholder fee | $0 |
Number of additional cardholders | 1 |
Your reviews
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Amy Finder
Editor
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Sarah Megginson Finder
January 08, 2024
Hi Shue, You have already purchased the flights, so you’re not eligible to earn any points for that purchase. When you spend with this card, you earn Altitude Rewards points, which you can transferring to frequent flyer programs including Cathay Pacific Asia Miles, Air New Zealand Airpoints, Singapore Airlines KrisFlyer or Velocity Frequent Flyer.
Hope this helps!
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Mark
December 29, 2023
Who is the free travel insurance with? I need to look at the exclusions of the policy to make sure it is suitable for my future travel plans. Thank you
![Avatar](https://www.finder.com.au/finder-au/wp-uploads/2021/07/JasonLoewenthal_Finder_600x600.jpg)
Jason Loewenthal Finder
January 12, 2024
Hi Mark,
Allianz is the insurer for Westpac credit cards. You can find the policy information on the Westpac website.
I hope that helps.
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Noel
December 22, 2023
Hi Can Altitude points be used as frequent flyer points
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Amy Bradney-George Finder
December 27, 2023
Hi Noel,
You can transfer Altitude Points to Velocity Frequent Flyer, Singapore Airlines KrisFlyer, Cathay Pacific/Asia Miles and Air New Zealand Airpoints. After the points are transferred, you can redeem them directly through the frequent flyer program. I hope this helps.
![Avatar](https://www.finder.com.au/global/images/finder-default-gravatar-64.png)
Jason
November 09, 2023
When purchasing an international flight do I need to use the Westpac Altitude Black card to purchase the flight to then gain access to the international lounge?
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Amy Bradney-George Finder
November 10, 2023
Hi Jason,
There is no purchase required to use the 2 complimentary airport lounge passes. You just need enrol through the Priority Pass link provided by Westpac, then show a valid boarding pass at any participating airport lounge. I hope this helps.
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justin
October 25, 2023
Just wondering how many points you need (roughly) to fly one person to Europe return business class?
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Amy Bradney-George Finder
October 25, 2023
Hi Justin,
Westpac doesn’t publicly display specific details about flight bookings through the Altitude Rewards website, but it states that flights are available from 29,550 points (at the time of writing). If you want more specific details or have further questions, you could call the Altitude Rewards Centre on 1300 887 820. I hope this helps.
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Shue
January 06, 2024
I have already purchased my flights. Can I transfer any valid points to the card if I sign up to the card after flights have been purchased?