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Card Overview
The Westpac Altitude Rewards Black has up to 200,000 Altitude Points plus a reduced first year annual card fee on offer for new cardholders, the points can be transferred to Velocity Frequent Flyer, KrisFlyer or Cathay miles at a 4:1 ratio. The card offers high points earn rates plus ongoing benefits, including Priority Pass lounge invites.
Key Attributes
Earn
Altitude Rewards Points per $1
3 points
on international spend
2 points
on everyday spend
1 point
on all other purchases. Once you spend $10,000 in a statement cycle, you will earn 0.5 points per $1 on further eligible purchases
Travel Benefits
Travel Insurance
Complimentary International Medical Travel Insurance and Complimentary Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia (PDS)
Priority Pass
2 Priority Pass invitations per cardholder year
Global Data Roaming
Complimentary 3GB global data roaming plan for 15 days with FlexiRoam
Flight Delay Access Pass
Complimentary lounge access if your flight is delayed by 120 minutes or more
Bonus Minimum Spend
$24,000
$12,000 spend in the first 12 months, plus another $12,000 in the 90 days after your first card anniversary
Annual Fee
$370 p.a.
$295 + $75 annual Altitude Rewards Program fee
Points Cap
Yes
Up to $10,000 per statement cycle, then 0.5 Points per $1 on all other purchases
ATO Points
No
Overseas Transaction Fee
3%
Interest-free period
Up to 45 days
Purchase Rate
23.98% p.a.
Cash Advance Rate
23.99% p.a.
Why Choose This Card
The Westpac Altitude Rewards Black is a compelling pick for those committed to building flexible rewards points without paying the ultra-premium fees of top-tier travel cards.
On ongoing spend, you’ll earn 3 Altitude Points per $1 on international purchases, 2 Points per $1 on everyday domestic spending, and 1 Point per $1 on other eligible purchases. Altitude Points can then be transferred to major frequent flyer partners such as Velocity, Krisflyer and Cathay Asia Miles.
In addition to points, the card throws in two Complimentary Priority Pass Invitations per year – a nice travel perk for someone who don’t usually fly in Business Class.
It also includes Complimentary International Medical Travel Insurance, Complimentary Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia, Complimentary Global Data Roaming by FlexiRoam, Flight Delay Access Pass and access to the card’s concierge service, which add layers of value beyond just points.
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.
Extra Benefits
Complimentary Insurance
Complimentary International Medical Travel Insurance and Complimentary Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia (PDS)
Mobile Wallet
Apple Pay, Google Pay and Samsung Pay
The Westpac Altitude Rewards Black Credit Card has up to 200,000 bonus Altitude Points plus a reduced first-year card fee of $200 (reverts to $295 + $75 annual rewards fee) on offer for new cardholders. The card is aimed at those who want a decent earning rate on spend, are happy to pay the larger card 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.
The bonus is split into two parts, with the first 100,000 bonus Altitude Rewards Points to be received after spending a minimum of $12,000 on eligible purchases within the first 12 months of approval and an additional 100,000 bonus Altitude Rewards Points after spending another $12,000 on eligible purchase in year 2.
The total bonus of 200,000 bonus Altitude Points can be transferred to programs such as Velocity, KrisFlyer or Asia Miles at a rate of 4 Altitude Rewards points to 1 frequent flyer program point/mile and get 50,000 Velocity Points, KrisFlyer miles or Asia Miles.
Points earn rates from the Westpac Altitude Rewards Black Card
Points from the Altitude Rewards Black Card can be earned as either Altitude Rewards (partners include frequent flyer programs like Velocity Frequent Flyer, Singapore Airlines KrisFlyer, Cathay Pacific Asia Miles, and Air New Zealand Airpoints) or Altitude Qantas Black to Qantas Frequent Flyer program.
Card Details
| Card | Westpac Altitude Rewards Black |
| Loyalty program | Westpac Altitude Rewards |
| Points earned from spend | 3 Altitude Points per $1 on international spend* 2 Altitude Points per $1 at supermarkets, department stores, petrol stations, dining and utilities* 1 Altitude Point per $1 on other purchases* * Capped at $10,000 total per statement period, after which, the earn rate reduces to 0.5 points per dollar across all categories |
| Travel benefits | 2 Priority Pass invitations per year |
| Included insurances | Complimentary International Medical Travel Insurance Complimentary Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia (effective 1 October) International Product Disclosure Statements Domestic Complimentary Insurance Policy Information Booklet |
| Overseas transaction fee | 3.0% of the converted amount |
| Mobile wallet | Apple Pay, Google Pay and Samsung Pay |
| Minimum income requirement | $75,000 p.a. |
| Card fee | $295 p.a. ongoing + $75 Altitude Rewards Fee |
Effective Frequent Flyer Program Point Earn Rates
| Frequent Flyer Program | International Spend | Everyday Spend | Other Eligible Spend |
|---|---|---|---|
| Velocity Points (transferred from Altitude Rewards) | 0.75 points / $ | 0.5 points / $ | 0.25 points / $ |
| Singapore Airlines KrisFlyer miles | 0.75 miles / $ | 0.5 miles / $ | 0.25 miles / $ |
| Cathay Pacific Asia Miles | 0.75 miles / $ | 0.5 miles / $ | 0.25 miles / $ |
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 will be charged with a fee.
It is a useful lounge access benefit for those who don’t travel in Business Class often.
Complimentary Global Data Roaming by FlexiRoam
The Card can access one complimentary 3GB global data roaming plan, valid for 15 days and usable across more than 150 countries. You can choose between a physical SIM or an eSIM, depending on what your device supports.
The key thing to understand is that this benefit is issued per Card Account, not per cardholder. Because primary and additional cardholders on a Westpac credit card share the same card number, one plan is available to the account each calendar year, but additional cardholders don’t receive their own. Terms and conditions apply.
Included Insurances and other Benefits
Westpac restructured the complimentary insurance on this card in October 2026. The Card comes with Complimentary International Medical Travel Insurance, Complimentary Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia. But extended warranty, purchase protection, and trip cancellation, travel delay and luggage cover are no longer included, and you'll need to activate the international medical policy before you leave Australia.
As we say with every credit card guide, the value of each card's insurance can only really be assessed by you looking at the PID and deciding whether it is a fit for your needs.
This guide references some of the benefits of insurance policies provided with this card. Ensure you read the Westpac Credit Card International Product Disclosure Statements (effective 1 October) and Westpac Credit Cards Domestic Complimentary Insurance Policy Information Booklet (effective 1 October) before using the complimentary travel insurance on your card.
Flight Delay Access Pass
You and up to four travelling companions may also be eligible for complimentary access to over 1,800 participating airport lounges worldwide if your registered flight is delayed by 120 minutes or more, under the Complimentary Flight Delay Access Pass. Each flight needs to be registered separately, and there's no cap on how many you can register.
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 Rewards vs Altitude Qantas
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.
When choosing Altitude Qantas over Altitude Rewards Black, you’ll also need to factor in the different earning 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 Velocity Frequent Flyer, Singapore Airlines KrisFlyer and Cathay Pacific Asia Miles at a rate of 4 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.
Westpac Apple Pay, Google Pay & Samsung Pay support
Westpac cards support Apple Pay, Google Pay & Samsung 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.
Summing up: the Altitude Rewards 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 card 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.
DISCLAIMER
See Provider For TMD and T&Cs.
Eligibility Criteria
These are the minimum requirements to be eligible to apply for this Card. Other additional eligibility criteria, such as proof of income, will generally be required later on.
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Be aged 18 years or over
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Be an Australian citizen, permanent resident, or hold a long-term visa
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Minimum income required $75,000 p.a.
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Have a good credit history and no payment defaults
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To be eligible for the bonus offer, you must not hold, or have held, an Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas or Velocity in the last 24 months
Frequently Asked Questions
How does the Complimentary International Medical Travel Insurance work and am I eligible for it?
To be eligible, you’ll need to meet residency or visa/Medicare requirements, have a return overseas travel ticket, be under 81 and spend at least $500 on prepaid travel costs using the accountholder’s card before you leave Australia. You’ll also need to activate your cover before leaving Australia through the Westpac App, Online Banking or Allianz Global Assistance.
Can I access lounges with this card?
Yes, you can, with 2 Priority Pass invitations per cardholder year included with the card.
Who is eligible for the sign-up bonus?
The sign-up bonus points offer is not available if you’ve held an Altitude Platinum or Altitude Black card with Altitude, Qantas or Velocity in the previous 24 months.
What happens if I don’t meet the bonus points spend requirement?
If you don’t meet the initial spend requirement, you will forfeit the first part of the bonus points. However, you are still eligible for the second-year bonus if you continue to use the card and meet the eligibility criteria.
Can I add additional cardholders?
Yes, you can add one additional cardholder at no extra cost. Points earned by the supplementary cards will flow to the primary cardholder’s Altitude Rewards account.