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 19 August 2024

See if there's a better deal in 60 Seconds

* See details below

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.

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.

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

Earn Westpac Altitude Points

1.25 points per $1 spent

$295 annual account fee

No additional cardholder fee

Up to 1 additional cardholder

3.00% international transaction fee

Other fees may apply.

20.99% p.a. variable purchase rate

21.99% 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

2 x Priority Pass airport lounge passes each year

up to 150,000 bonus points

$150 annual fee in first year

See if there's a better deal in 60 Seconds

Before applying for this product, you should read the Target Market Determination (TMD) available here on the Westpac website.

^ 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.

Stay or Go Pty Ltd (“Stay or Go”) provides information about and compares credit products in the Australian market and is authorised to do so as the holder of Australian Credit Licence 527092. We do not compare every credit product in the Australian market. We are not a credit provider and we do not provide credit assistance. When we provide information via this website, we are not providing you with a recommendation or suggestion about a particular credit product. When you apply for a credit product via our website, you are not applying with us, you are applying directly with the credit provider and will be redirected to their website. We endeavour to ensure that the information on this website is current and accurate however, before entering into any credit product with a credit provider displayed on our website, you should confirm the fees, rates, product information, and eligibility criteria with the credit provider and read the Target Market Determination (TMD) available via their website. All information on this website is general advice only and does not take into account your objectives, financial situation or needs. You should consider whether this advice is right for you and we encourage you to seek independent financial advice. The use of any trade name or trademark on this website is for identification, comparison and reference purposes only and does not imply any association with the trademark holder or their brand. Please refer to our Terms of Use for more details.