Westpac Altitude Black Credit Card
The Westpac Altitude Black Credit Card offers up to 180,000 bonus Westpac Altitude Points. Ongoing benefits include Westpac Altitude Points earned on eligible purchases, complimentary travel insurance, and Priority Pass airport lounge passes.
Updated 3 July 2025
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The Westpac Altitude Black credit card is Westpac's premium Westpac Altitude product. Featuring a relatively high points earn rate which is Westpac's highest and uncapped, the card provides premium features such as insurances. Of the 200+ credit cards reviewed by Stay or Go, this card ranks among the best 25% for earning $100 back in value, such as on a gift card, for an average spend of $5,000 per month. Further, the product has a $295 annual fee, including up to 45 interest free days.
Considering its key features, this card is most suitable to someone who wishes to be rewarded for their spend. Other benefits include Overseas Travel and Medical Insurance which is similar to equivalent products and no additional cardholder fees.
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Earn Westpac Altitude Points
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1.25points per $1 spent
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$295 annual account fee
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$0 rewards fee
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No additional cardholder fee
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Up to 1 additional cardholder
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3.00% international transaction fee
Other fees may apply.
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20.99% p.a. variable purchase rate
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21.99% p.a. variable cash advance rate
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Up to 45 interest free days on purchases
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Overseas Travel Insurance
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Interstate Flight Inconvenience Insurance
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Transit Accident Insurance
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Purchase Security Insurance
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Price Guarantee Cover
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Extended Warranty Insurance
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Rental Vehicle Excess in Australia Insurance
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2 x Priority Pass airport lounge passes each year
up to 180,000bonus points
$200annual fee in first year
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Before applying for this product, you should read the Target Market Determination (TMD) available here on the Westpac website.