The Westpac Altitude Black Credit Card has 150,000 Altitude Points on offer for new cardholders until 30 November 2021. The card is aimed at those who want a decent earn rate on spend, are happy to pay the larger annual fee and will get value from some of the additional benefits.

Disclaimer: Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

New cardholders also have the option to avail of 0% p.a. for 18 months on Balance Transfers. This needs to be requested at the time of application and will incur a 1% balance transfer fee.

A minimum spend of $4,000 on eligible purchases within the first 90 days of approval is required to receive the bonus.

The current 150,000 bonus Altitude Points gets you $500 in cashback or up to $700 in e-Gift cards when redeemed *. You can also opt to transfer your points to programs such as Krisflyer or Asia Miles at a rate of 3 Altitude Rewards points to 1 frequent flyer program point/mile and get 50,000 Krisflyer or Asia Miles.

How you could use the bonus points from this card

All redemption figures above exclude any accompanying taxes, fees and charges. Points redemption price data is provided by a third-party. For an exact total redemption cost, please consult with the airline directly.

Disclaimer: These are example redemptions only and due to COVID-19 travel restrictions, some of these routes may not be currently available.
150,000 Altitude Points, 2 Priority Pass Lounge passes plus complimentary insurance with the Westpac Altitude Black Card was last modified: September 23rd, 2021 by Daniel Sciberras

Points earn rates from the Westpac Altitude Black Card

Points from the Altitude Black Card can be earned as either Altitude Rewards (partners include frequent flyer programs like Singapore Airlines KrisFlyer, Cathay Pacific Asia Miles, Malaysia Airlines Enrich and Air New Zealand Airpoints) or Altitude Qantas to Qantas Frequent Flyer program.

Note: if you opt for Altitude Qantas, the card will incur an additional $50 annual fee.

Card Details

CardWestpac Altitude Black
Loyalty programQantas Frequent Flyer or Westpac Altitude Rewards
Points earned from spend0.75 Qantas Points, 1.25 Altitude Points per $ of eligible spend
Travel benefitsPer year:
2 x Qantas Club Pass or Priority Pass invitations
Included insurancesExtended Warranty & International Travel Insurance (PDS)
Points capuncapped
Overseas transaction fee3.0% of the converted amount
Minimum income requirement$75,000 p.a.
Mastercard annual fee$250 p.a. + ($50 annual Qantas Rewards fee if you choose to earn with Qantas directly)

Effective Frequent Flyer Program Point Earn Rates

Frequent Flyer ProgramMasterCard
Qantas Points*0.75 points / $
Singapore Airlines KrisFlyer Miles0.41 mile / $
Cathay Pacific Asia Miles0.41 mile / $
*Points earn rate only if linked directly to Qantas

Airport lounge Access Benefits

If you opt for the Altitude Rewards Black, you’ll receive airport lounge access with Priority Pass membership and two included lounge visits per year, which are now valid at an increasing number of airports in Australia. Additional visits are charged at a $32 USD fee.

If you opt for Altitude Qantas Black, you’ll be digitally sent two single-entry Qantas Club invitations which can be used at any Qantas Club (domestic) or Qantas International Business Class lounge. The passes are sent after your first Altitude Black Card spend on selected Qantas products and services, defined as Qantas flights or Qantas Frequent Flyer or Qantas Club joining and membership fees.

Note: You must first register and then make the applicable card spend directly with Qantas to receive the lounge passes.

It is a useful lounge access benefit for those who don’t travel in Business Class often.

Included insurances and other benefits

The Westpac Altitude Black Credit Card Bundle comes with travel and extended warranty insurance coverage. As I say with every credit card guide, the value of each card’s insurance can only really be assessed by you looking at the PDS and deciding whether it is a fit for your needs. Read the full PDS here for the Westpac Altitude Black here.

This guide references some of the benefits of insurance policies provided with this card.

You should read the PDS and obtain independent professional advice before obtaining this product.

You’ll also gain access to Westpac Concierge which are on-call 24/7 to fulfil your requests and give some useful restaurant or ticket reservation shortcuts, amongst other potential uses.

Altitude Qantas vs Altitude Rewards

The Altitude Card range offers a choice of which points program you want to direct your points into: either directly into Qantas Frequent Flyer or Westpac’s own loyalty program Altitude Rewards.

Note that there is an annual $50 Rewards fee on the Westpac Altitude Black Mastercard if you have selected to earn Qantas Points directly (rather than Altitude Rewards).

When choosing Altitude Qantas over Altitude Rewards Black, you’ll also need to factor in the different earn rates of each currency and transfer rates to partner programs. Our full guide to Altitude Rewards offers more detail about the program’s benefits.

In short, points can be transferred into Singapore Airlines KrisFlyer, Cathay Pacific Asia Miles and Malaysia Airlines Enrich at a rate of 3 Altitude Rewards points to 1 frequent flyer program point/mile.

The choice between Altitude Qantas or Altitude Rewards is dependent on your personal points-earning preference.

You might find the sign-up bonus from the card to be more valuable to take as Qantas Points but then using the card ongoing, there may be more value for you in taking advantage of Altitude Rewards’ flexibility from having a wide range of transfer options.

Westpac Apple Pay & Google Pay support

Westpac cards support Apple Pay & Google Pay, meaning you can use this card on your smartphone for easier payments. Find out more in our guides for each of the compatible services.

150,000 Altitude Points, 2 Priority Pass Lounge passes plus complimentary insurance with the Westpac Altitude Black Card was last modified: September 23rd, 2021 by Daniel Sciberras

Summing up: the Altitude Black Credit Card

This is the kind of card that you need to take a critical look over the ongoing benefits and sign-up bonus to assess whether the annual fee is worth it for you.

That said, the points earn rates from spend are fairly competitive, and the lounge benefits are also fairly good with both cards.

Most infrequent travellers may be able to get some use out of the lounge access and other Mastercard benefits, particularly if you educate yourself on how to make the most of them.


* Converting Altitude Points: You can redeem the points earned on your Altitude Black Altitude Rewards credit card for cash back or gift cards via the Altitude Rewards website. The estimated cashback and gift card value in above examples are based on current redemption rates as at 20th July 2020 and is subject to change without notification. All redemption of Altitude Rewards points are subject to availability and the Altitude Rewards Terms and Conditions (PDF 2MB).

150,000 Altitude Points, 2 Priority Pass Lounge passes plus complimentary insurance with the Westpac Altitude Black Card was last modified: September 23rd, 2021 by Daniel Sciberras