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Westpac Altitude Black Credit Card

The Westpac Altitude Black Credit Card offers up to 150,000 bonus Westpac Altitude Points. Ongoing benefits include Westpac Altitude Points earned on eligible purchases, complimentary travel insurance, and Priority Pass airport lounge passes.

Updated 27 November 2023

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Expert Review

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.

Bonus Points and discounted Annual Fee in first year.
For a limited time the Westpac Altitude Black credit card has a bonus Westpac Altitude Points offer, where you could receive 100,000 bonus Westpac Altitude Points in the first year and 50,000 bonus Westpac Altitude Points in the second year. In addition, the product also has a $150 annual fee in first year, which is a saving of $145 from the standard fee of $295. To get this offer, there will be certain eligibility criteria that you should be aware of before you apply.

Product Details
Our premier Altitude Rewards credit card gets you our highest Altitude Points earn rate as well as complimentary airport lounge access, insurances and concierge."
- Westpac

Earn Westpac Altitude Points

1.25points per $1 spent

Account Fees

$295 annual account fee

$0 rewards fee

Additional Cardholder Fees

No additional cardholder fee

Up to 1 additional cardholder

Transaction Fees

3.00% international transaction fee

Other fees may apply.


19.99% p.a. variable purchase rate

21.49% p.a. variable cash advance rate

Up to 45 interest free days on purchases


Overseas Travel Insurance

Interstate Flight Inconvenience Insurance

Transit Accident Insurance

Purchase Security Insurance

Price Guarantee Cover

Extended Warranty Insurance

Rental Vehicle Excess in Australia Insurance

Airport Lounge Access

2 x Priority Pass airport lounge passes each year

Bonus Points Offer

up to 150,000bonus points

$150annual fee in first year

100,000 bonus points in year 1 + 50,000 bonus points in year 2.
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Before applying for this product, you should read the Target Market Determination (TMD) available here on the Westpac website.

Alternative Credit Cards
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^ Credit card reward programs can be difficult to compare due to tiered and capped points earn rate structures. To simplify comparison, we estimate the number of points you could earn per $1 spent, assuming $5,000 of spend on eligible purchases each month.
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