Altitude Black (Altitude Rewards) card image

Westpac Altitude Black

Advertiser disclosure
The details shown below are for a card with Altitude Rewards
The details shown below are for a card with Velocity Frequent Flyer
The details shown below are for a card with Qantas Frequent Flyer

Choose the version of this credit card that suits you best

Name Rewards program
Altitude Black (Altitude Rewards) Altitude Rewards
Altitude Black (Velocity Frequent Flyer) Velocity Frequent Flyer
Altitude Black (Qantas Frequent Flyer) Qantas Frequent Flyer
  • Altitude Black (Altitude Rewards)
    Rewards: Altitude Rewards
  • Altitude Black (Velocity Frequent Flyer)
    Rewards: Velocity Frequent Flyer
  • Altitude Black (Qantas Frequent Flyer)
    Rewards: Qantas Frequent Flyer
Purchase rate
19.99% p.a.
Balance transfer rate
No current offer
Annual fees
$295 $150 in the first year
Interest free days on purchases
45
Purchase rate
19.99% p.a.
Balance transfer rate
No current offer
Annual fees
$370 $150 in the first year
Interest free days on purchases
45
Purchase rate
19.99% p.a.
Balance transfer rate
No current offer
Annual fees
$370 $150 in the first year
Interest free days on purchases
45

Mozo editorial review Westpac Altitude Black - last updated: 4 March 2024

binocular icon
What's hot
  • Choose between Altitude Rewards or Qantas Frequent Flyer rewards program
  • Complimentary features like travel insurance & concierge
  • Extended warranty on purchases
  • 150,000 bonus Altitude Points OR up to 120,000 Qantas Points (T&C's apply)
What's not
  • $295 annual card fee (discounted to $150 first year)
  • 0.75 Qantas rewards points per $1 spent (with the Qantas Frequent Flyer option)
Mozo snapshot

With the Westpac Altitude Black card, you can choose between either the Altitude Rewards or Qantas Frequent Flyer option. On top of this, you'll also have access to a wide range of complimentary features including concierge, travel insurance and extended warranty. But that's not all! Should you opt-in for the Altitude Rewards option, you can receive 100,000 Altitude points if you spend $6,000 on eligible purchases within 120 days of new card approval, and a further 50,000 points after your first eligible purchase in the second year. Or if you choose the Qantas Frequent Flyer option, you could receive up to 120,000 Qantas Points.

key icon
Key features

When you pick up the Westpac Altitude Black online exclusive offer, you can choose between a card linked to the Altitude Rewards program if you like a little flexibility in your redemption options, or the Qantas Frequent Flyer program if you’re all about travel perks.

Choose the Altitude Rewards program, and you can earn 1.25 rewards points per $1 you spend, uncapped. 

Additionally, the Westpac Altitude Black card also comes with a number of travel treats such as two complimentary priority airport lounge passes each year – one of which you can now share with a travel companion – which you can use at one of over 1,000 airport lounges around the world. And with the 24/7 on-call concierge service you'll feel like you have your own personal butler.

The card also comes with complimentary comprehensive travel insurance which also extends to your spouse and children who travel with you. All you have to do for the travel insurance to be activated is buy $500 of your pre-trip expenses on your card, like flights or accommodation.

Other standard insurances included with the card are extended warranty, transit accident and purchase security insurance.

There is a $295 annual fee, discounted to $150 the first year for Altitude Rewards, which is a bit steep, even for a rewards card, so be sure to utilise all of the 'free' features you get with the card like travel insurance and a dedicated concierge to get the best value from it. You'll also be up for a $75 Qantas fee if you choose that option, bringing the total annual fee to $370. Apply by 31 July 2024 to get the lower first year fee offer (T&Cs apply).


snapshot
Who is it good for

With an annual fee of $295, discounted to $150 the first year, your annual spend will need to be over $20,000 before your rewards points start to have any real value. But with no maximum points cap, this card could work out very well for the big spender.

question icon
Any catches

If you're opting for the Qantas Frequent Flyer option, a $75 rewards program fee applies. 

Rewards program details

Rates and fees information correct as at 29 March 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.

What your points get you
Fly Sydney to London return

358,800 points

Fly Sydney to Melbourne one-way

23,400 points

$100 Giftcard

24,100 points

$100 Cash

28,200 points

Points earning

1.25 points per dollar on Mastercard, uncapped

Rewards scheme

Transfer points to a range of airline programs or redeem your points for travel, gift cards, retail rewards and shopping gift cards.

You can get flights via Air New Zealand Air Points, Enrich or KrisFlyer programs, or by booking through Altitude Travel.

Earn 6 points per dollar spent on flights booked in Australia directly with selected airlines up to $10,000 per month. Earn 2 points per dollar spent at Spotify Premium, David Jones, Myer, THE ICONIC, Airbnb, Uber and Uber Eats.

2 complimentary visits to Priority Pass Lounges each year.

Special offers

Receive up to 150,000 bonus Altitude Points. 100,000 points when you spend at least $6,000 on eligible purchases within 120 days from card approval and another 50000 point after you first eligible purchase in year 2.

Value of rewards points

Spend $22,560 (Mastercard)

Spend $19,280 (Mastercard)

Spend $18,720 (Mastercard)

Spend $287,040 (Mastercard)

Uncapped

Never

How do we calculate these points?

Rate and fee details

Rates

19.99% p.a.

none

No current offer

yes

21.49% p.a.

45

Fees

$295.00

$150 in the first year

none

none

$15.00

3%

3.00%

$0.00

$0.00

$0.00

Features

$10.00

2.0

1

none

Payment options

Apple Pay, Google Wallet, Samsung Pay, Fitbit Pay, Garmin Pay

Rewards privileges

Concierge,
Travel Insurance,
Extended Warranty,
Purchase Protection

Other benefits

First year annual fee $99 card fee for existing customers the first year (reverts to $295 thereafter). PartPay available.

Rewards program details

Rates and fees information correct as at 29 March 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.

What your points get you
Fly Sydney to London return

119,600 points

Fly Sydney to Melbourne one-way

7,800 points

$100 Giftcard

19,500 points

$100 Cash

-

Points earning

0.75 points per dollar on Mastercard, uncapped

Rewards scheme

Points are automatically credited to the Velocity Frequent Flyer program.

All rewards are redeemed via Velocity Frequent Flyer.

2 complimentary visits to Priority Pass Lounges each year.

Special offers

Receive 90,000 bonus Velocity Points when you spend at least $6,000 on eligible purchases within 120 days from card approval and an additional 30,000 Points after 12 months.

Value of rewards points

Spend $26,000 (Mastercard)

Spend $10,400 (Mastercard)

Spend $159,467 (Mastercard)

Uncapped

Never

How do we calculate these points?

Rate and fee details

Rates

19.99% p.a.

none

No current offer

yes

21.49% p.a.

45

Fees

$295.00

$150 in the first year

none

$75.00

$15.00

3%

3.00%

$0.00

$0.00

$0.00

Features

$10.00

2.0

1

none

Payment options

Apple Pay, Google Wallet, Samsung Pay

Rewards privileges

Concierge,
Travel Insurance,
Extended Warranty,
Purchase Protection

Other benefits

2 complimentary Economy X Seat Upgrade Vouchers each year to use on selected domestic Virgin Australia flights. First year annual fee $150 card fee for existing customers the first year (reverts to $295 thereafter).

Rewards program details

Rates and fees information correct as at 29 March 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.

What your points get you
Fly Sydney to London return

110,400 points

Fly Sydney to Melbourne one-way

8,000 points

$100 Giftcard

20,010 points

$100 Cash

-

Points earning

0.75 points per dollar on Mastercard, up to $250,000 per year

Rewards scheme

Earn 0.75 Qantas Points per $1 up to a maximum of $250,000 spent on eligible purchases annually. Bonus Qantas Points not included in the cap. Points are automatically credited to the Qantas Frequent Flyer program. From 1 July, Qantas Points on eligible purchases are capped at 100,000 Points per month (exlc. bonus Points).

All rewards are redeemed via Qantas Frequent Flyer.

Bonus points on selected Qantas products and services.

2 complimentary lounge invitations to Qantas Club Lounges each year.

Special offers

Receive 90,000 bonus Qantas Points when you spend at least $6,000 on eligible purchases within 120 days from card approval and an additional 30,000 Points in Year 2.

Value of rewards points

Spend $26,680 (Mastercard)

Spend $10,667 (Mastercard)

Spend $147,200 (Mastercard)

at $250,000 yearly

Never

How do we calculate these points?

Rate and fee details

Rates

19.99% p.a.

none

No current offer

yes

21.49% p.a.

45

Fees

$295.00

$150 in the first year

none

$75.00

$15.00

3%

3.00%

$0.00

$0.00

$0.00

Features

$10.00

2.0

1

none

Payment options

Apple Pay, Google Wallet, Samsung Pay, Fitbit Pay, Garmin Pay

Rewards privileges

Concierge,
Travel Insurance,
Extended Warranty,
Purchase Protection

Other benefits

First year annual fee $150 card fee for existing customers the first year (reverts to $295 thereafter). PartPay available.

Customer Reviews

How are Westpac credit cards rated by the Mozo community?

Overall
Price
Features
Customer service
Convenience
Trust

Latest reviews of Westpac Altitude Black Credit Card

About Westpac

Thumbnail icon for NAB
NAB

Low Rate Card

13.49% p.a.

0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)

$59 $0 in the first year

Thumbnail icon for American Express
American Express

Platinum Edge Credit Card

23.99% p.a.

No current offer

$195 $0 in the first year

Membership Rewards

Thumbnail icon for G&C Mutual Bank
G&C Mutual Bank

Platinum Visa Credit Card

19.99% p.a.

No current offer

$299

Qantas Frequent Flyer

Thumbnail icon for American Express
American Express

Qantas Ultimate Card

23.99% p.a.

No current offer

$450

Qantas Frequent Flyer

Thumbnail icon for American Express
American Express

Explorer Credit Card

23.99% p.a.

No current offer

$395

Membership Rewards

Thumbnail icon for American Express
American Express

Velocity Platinum Card

23.99% p.a.

No current offer

$375

Velocity Frequent Flyer

Thumbnail icon for American Express
American Express

Qantas Discovery Card

23.99% p.a.

No current offer

$0

Qantas Frequent Flyer

Thumbnail icon for American Express
American Express

Low Rate Credit Card

10.99% p.a.

No current offer

$0

Thumbnail icon for American Express
American Express

Qantas Ultimate Card

Qantas Frequent Flyer

$450

100,000

1.25 points up to 100,000 points/year, then
1 point uncapped

Thumbnail icon for G&C Mutual Bank
G&C Mutual Bank

Platinum Visa Credit Card

Qantas Frequent Flyer

$299

50,000

1 point up to 20,000 points/month

Thumbnail icon for NAB
NAB

Qantas Rewards Premium Card

Qantas Frequent Flyer

$250 $150 in the first year

70,000

0.66 points up to $3,000/month, then
0.33 points up to $6,000/month

Thumbnail icon for American Express
American Express

Qantas Premium Card

Qantas Frequent Flyer

$249

20,000

1 point uncapped

Thumbnail icon for NAB
NAB

Rewards Signature Card

NAB Rewards

$295 $145 in the first year

160,000

1.25 points uncapped

Thumbnail icon for American Express
American Express

Qantas Discovery Card

Qantas Frequent Flyer

$0

No current offer

0.75 points uncapped

Thumbnail icon for American Express
American Express

Velocity Escape Card

Velocity Frequent Flyer

$0

No current offer

0.75 points uncapped

Thumbnail icon for NAB
NAB

Qantas Rewards Signature Card

Qantas Frequent Flyer

$395 $295 in the first year

120,000

1 point up to $5,000/month, then
0.5 points up to $20,000/month

Thumbnail icon for NAB
NAB

Low Rate Card

0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)

13.49% p.a.

$59 $0 in the first year

Thumbnail icon for Citi
Citi

Premier Credit Card

0% p.a. for 6 months and then 22.24% p.a.

21.49% p.a.

$300 $150 in the subsequent years if you spend $48,000 on eligible purchases or cash advances in previous year., $150 in the first year

Citi Rewards Program

Thumbnail icon for Bank of Queensland
Bank of Queensland

Blue Visa Credit Card

0% p.a. for 9 months and then 21.74% p.a.

0% p.a. for 9 months then 20.74% p.a.

$60

Q Rewards

Thumbnail icon for Virgin Money
Virgin Money

Virgin Australia Velocity Flyer Card - Balance Transfer Offer

0% p.a. for 24 months and then 20.99% p.a.

20.74% p.a.

$149 $0 in the first year

Velocity Frequent Flyer

Thumbnail icon for Bankwest
Bankwest

More Mastercard

0% p.a. for 6 months and then 19.99% p.a. (1.00% balance transfer fee)

19.99% p.a.

$100

Bankwest More Rewards

Thumbnail icon for NAB
NAB

Low Rate Card

13.49% p.a.

0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)

$59 $0 in the first year

Thumbnail icon for American Express
American Express

Low Rate Credit Card

10.99% p.a.

No current offer

$0

Thumbnail icon for HSBC
HSBC

Low Rate Credit Card

12.99% p.a.

0% p.a. for 20 months and then 25.99% p.a. (2.00% balance transfer fee)

$99

Thumbnail icon for Australian Unity
Australian Unity

Low Rate Visa Credit Card

9.90% p.a.

No current offer

$59

Thumbnail icon for MOVE Bank
MOVE Bank

Low Rate Credit Card

8.99% p.a.

0% p.a. for 6 months and then 8.99% p.a.

$59 $0 in the first year

Thumbnail icon for NAB
NAB

Low Rate Card

13.49% p.a.

0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)

$59 $0 in the first year

Thumbnail icon for American Express
American Express

Low Rate Credit Card

10.99% p.a.

No current offer

$0

Thumbnail icon for HSBC
HSBC

Low Rate Credit Card

12.99% p.a.

0% p.a. for 20 months and then 25.99% p.a. (2.00% balance transfer fee)

$99

Thumbnail icon for Australian Unity
Australian Unity

Low Rate Visa Credit Card

9.90% p.a.

No current offer

$59

Thumbnail icon for MOVE Bank
MOVE Bank

Low Rate Credit Card

8.99% p.a.

0% p.a. for 6 months and then 8.99% p.a.

$59 $0 in the first year

Thumbnail icon for Bank of Queensland
Bank of Queensland

Blue Visa Credit Card

0% p.a. for 9 months then 20.74% p.a.

0% p.a. for 9 months and then 21.74% p.a.

$60

Thumbnail icon for Westpac
Westpac

Flex Card

0% p.a.

No current offer

$120 $10 monthly fee waived if the outstanding balance on the previous statement is paid in full by the due date.

Thumbnail icon for NAB
NAB

StraightUp Card

n/a

No current offer

$240 $20/month - waived if no spend & no balance owing

Compare other credit cards