Westpac Altitude Rewards Black
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CardIQ
Fair
Overall score, out of 100 · How this works
- Airport lounge48
- Frequent flyer56
- Rewards52
- Sign-up bonus67
- Travel44
- Velocity Points56
Customer reviews
Based on 18 reviews
Rewards, fees and customer service drew the most praise.
Eventually I was told in writing that they would approve my application if I provided them with payslips and bank details, which I did, after which I heard nothing.Six weeks later, I called them back to find out why I hadn’t been provided with my card yet, and I was bounced…
Great features but comes at a high price
This credit card comes with some great handy features such as free travel insurance, extended warranty insurance and global lounge access through Priority Pass network. The card also comes with complimentary SPG Gold membership, which is good for staying at Sheraton and Le…
Great rewards and service
This is a very good card with great rewards. They give very good service with enquiries answered in Australia. Their website is very good and easy to use. They are there to help 24/7, and do help if you need them.They give reward points quickly and have great rewards.
Love the rewards and service
My hubby worked for Westpac, so we’re not paying fees. I love the rewards they offer, including vouchers and so much else to choose from. Whenever I need help I ring the help desk and always get a prompt solution from a representative.Cards are always replaced quickly if lost.…
A well-rounded travel and award-ready card.
With added benefits of travel insurance with overseas travel, the Westpac Black Altitude card is a standout. It provides a range of gift card options and a good variety of product awards, and a pair of complimentary airport lounge passes annually to use through Priority Pass.…
A solid offering with good rewards and insurance
It’s a good card to have if you have a Premier Advantage Home Loan package with Westpac, as the fees are already paid for in the Advantage Package fees. It’s a reasonable offering for complimentary travel insurance. Rewards are reasonable, although you may wish to switch to…
Good rewards system
This credit card has a great feature in that it allows you to also redeem cash back on purchases using the points that you have available on the card. The items available for purchase using the card are also unique and are quite compelling and make me use my card so I can gain…
Some cons but more pros
CON: $395 annual fee. Rewards are pretty standard compared to the other big banks. AmEx Velocity (annual fee $349) is better — free domestic flight anywhere plus points, insurance etc) PRO:If I need to speak to a customer rep it is easy (direct phone line). 3 points to the…
More points with the AmEx card
I tend to use the American Express card more than the MasterCard because of the accumulation of points — not that I have ever redeemed any points, but I have accumulated a great many in the hope of one day redeeming them. Most of my purchases are made online, so the card is…
Show 29 more reviewsGood card for big-spending Westpac loan customers
It’s a 'must-have’ card if you’ve got a Premier Loan package with Westpac, probably the most rewarding credit card available. When picking redemption, try to always get Myer or David Jones vouchers.You get two cards on one account and complimentary insurance on virtually…
Pros & cons
What's good
- 200,000 bonus points to start, worth around $2,000 at our 1c-per-point valuation.
- Complimentary airport lounge access.
- Earns 2 points per $1 on bonus categories and 3 points per $1 on overseas spend.
- Points transfer to 5 rewards programs, including Air New Zealand Airpoints, Cathay (Asia Miles) and Everyday Rewards.
- No fee to add an additional cardholder.
Worth noting
- The $200 first-year fee (rising to $295) is toward the top of the market (the median is $70).
- The 20.99% p.a. purchase rate sits in the most expensive quarter of cards (the median is 18.99% p.a.) if you carry a balance.
- Earns 1 point per $1 on everyday spend, around the dataset average.
- The 1-point rate on other purchases applies only to the first $10,000 spent each statement period, then drops to 0.5 points per $1.
Card details
The basics
- Additional cardholder fee
- $0 p.a.
- Card tier
- Black
- Card type
- Mastercard
- Card use
- Personal
- Credit limit
- $6,000 – $75,000
- Credit rating
- Good
- Rewards program
- Westpac Altitude Rewards
Eligibility
- Instant approval
- Yes (response in ~60 seconds)
- Joint application
- No
- Minimum age
- 18 years old
- Minimum income
- $75,000 p.a.
- Residency
- Australian citizen or permanent resident
- Temporary residents
- Not eligible
Rates & fees
Ongoing interest rates
- Cash advances
- 21.99% p.a.
- Purchases
- 20.99% p.a.
Fees
- Additional cardholder fee
- $0
- Annual fee
- $200 p.a.
- Annual fee (year 2+)
- $295 p.a.
- Cash advance fee
- 3.5% of the amount
- Foreign transaction fee
- 3%
- Late payment fee
- $20
Repayments
- Interest-free period
- Up to 45 days on purchases
- Minimum repayment
- 2% of the closing balance or $10, whichever is greater
Balance transfers
This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.
Introductory purchase offer
This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.
Rewards
Earn rate
- Everyday spend
- None
- Bonus categories
- 2 pts per $1 in bonus categories
- Other purchases
- 1 pt per $1 on other purchases, up to $10,000 per statement period
- Overseas spend
- 3 pts per $1 on overseas spend
- ATO/government
- None
- Reduced rate above monthly cap
- 0.5 pts per $1 above $10,000 per statement period
- Points cap
- Uncapped
- Points expiry
- Points don't expire while your account is open and in order.
Sign-up bonus
- Bonus spend required
- —
- Sign-up bonus
- 200,000 points
Transfer partners
- Air New Zealand Airpoints
- 180 pts → 1 pt (≈ 1 pt per $180)
- Cathay (Asia Miles)
- 3 pts → 1 pt (≈ 0.33 pts per $1)
- Everyday Rewards
- 3 pts → 2 pts (≈ 0.67 pts per $1)
- Singapore Airlines KrisFlyer
- 3 pts → 1 pt (≈ 0.33 pts per $1)
- Velocity Frequent Flyer
- 3 pts → 1 pt (≈ 0.33 pts per $1)
Where these points could take you
- Auckland
- Flying Virgin Australia non-stop, using transferred Velocity points. Economy 17,900 pts, Business 35,500 pts.
- Denpasar
- Flying Singapore Airlines via Singapore, using transferred KrisFlyer points. Economy 30,500 pts, Business 75,500 pts.
- London
- Flying Singapore Airlines via Singapore, using transferred KrisFlyer points. Economy 63,000 pts.
- Los Angeles
- Flying United Airlines non-stop, using transferred Velocity points. Economy 48,000 pts, Premium Economy 73,500 pts.
- Singapore
- Flying Singapore Airlines non-stop, using transferred KrisFlyer points. Economy 29,000 pts, Premium Economy 53,500 pts, Business 72,000 pts.
- Tokyo
- Flying All Nippon Airways non-stop, using transferred Velocity points. Economy 45,000 pts.
Flights you could book with the sign-up bonus plus a year of spending $3,000 a month on this card. One-way from Sydney or Melbourne, one adult, before taxes and carrier charges. Award prices and seat availability change.
Where this card sits vs similar cards
Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.
Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.
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Sources
- Credit Card Compare
- Australian credit card statisticsHow CardIQ scores cards
- Issuer
- Westpac
- Program
- Altitude Rewards (Westpac)