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

  • 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
0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)
Annual fees
$250 $99 in the first year
Interest free days on purchases
45
Go to site
Purchase rate
19.99% p.a.
Balance transfer rate
0% p.a. for 18 months and then 19.99% p.a. (1.00% balance transfer fee)
Annual fees
$300
Interest free days on purchases
45
Purchase rate
19.99% p.a.
Balance transfer rate
0% p.a. for 24 months and then 19.99% p.a. (1.00% balance transfer fee)
Annual fees
$300
Interest free days on purchases
45

Mozo editorial review Westpac Altitude Black - last updated: 9 November 2021

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
  • 180,000 bonus Altitude Points OR up to 120,000 Qantas Points (T&C's apply)
What's not
  • $250 annual card fee (discounted to $99 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, until 24 February 2022, you'll receive 180,000 bonus Altitude points if you spend $6,000 on eligible purchases within 120 days of new card approval. 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, plus, if you apply before 24 February, 2022 then you can also snag 180,000 bonus points by spending $6,000 on eligible purchases in the first 120 days after being approved for the card.

By opting for the Qantas Frequent Flyer program, you could pick up 0.75 Qantas points per $1 you spend*. Not to mention, you could receive 90,000 bonus Qantas Points when you spend at least $4,000 on eligible purchases within 90 days from card approval, plus, an additional 30,000 Points after 12 months.

On the other hand, if getting debt-free is your priority, you'll be able to take advantage of the 0% balance transfer offer for 24 months (then 21.49%). Just don't forget the 1% BT fee! 

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 $250 annual fee, discounted to $99 the first year, 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 $50 Qantas fee if you choose that option, bringing the total annual fee to $300.

*From 1 January 2022, 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.

snapshot
Who is it good for

With an annual fee of $250, discounted to $99 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 $50 rewards program fee applies.

Rewards program details

Rates and fees information correct as at 3 December 2021. 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

318,000 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 180,000 bonus Altitude Points when you spend at least $6,000 on eligible purchases within 120 days from card approval.

Value of rewards points

Spend $22,560 (Mastercard)

Spend $19,280 (Mastercard)

Spend $18,720 (Mastercard)

Spend $254,400 (Mastercard)

Uncapped

Never

How do we calculate these points?
How do we calculate the rewards?

To work out the "Rewards value minus fees" in our Rewards Revealer we:

  • calculate how many points you'd get each year,

  • figure out how many flights or gift cards or cashback credits you could get for those points,

  • work out what that's actually worth to you,

  • take off the annual fee you'd pay.

More details:

  • Our calculations are designed to help you compare the value of different rewards schemes. To do this, we've looked at earning a one-way Sydney-Melbourne flight excluding taxes and charges, a return Sydney-London flight excluding taxes and charges, a $100 shopping Gift Card and $100 cashback. Most cards will also offer other rewards, which may be worth more or less than the ones we've shown.

  • We have made no allowance for bonus points for using your card at specific merchants, introductory offers or special offers. We have not assigned any value to instant discounts, insurances, ticketing and concierge services or other such benefits.

  • Rewards value calculations do not take credit card interest into account. If you do not pay off your card each month you may be better off looking for a card based on interest rates than on the value of rewards.

  • In products that have more than one card, a different mix of spend between American Express / Visa / Mastercard will give different results. Mozo's Rewards Revealer lets you choose the mix based on the way you would use such a product, and gives you tailored results.

  • We assume flights purchased with airline points are 'classic' or 'reward' economy seats with restricted seat availability. 'Any seat' rewards will probably cost more.

  • To compare the value of flight rewards, we sample online retail flight prices once a quarter based on the average price on a Wednesday 3 months in advance but outside NSW school holidays. For domestic flights we take the lowest available fare from each flight on that day from Qantas Red e-deal, Virgin Australia Saver including baggage and Jetstar Starter including baggage. We calculate the average price excluding taxes and surcharges for each airline, and also the average across all airlines (which we use when rewards are travel agent vouchers). For international flights, we take the lowest available fares on that same Wednesday from each of Qantas, Emirates, Malaysian, Etihad, Singapore, Cathay Pacific and Thai, assuming a return flight 2 weeks later, calculate the average price before taxes and surcharges and use this as our assumed cost of a flight on any airline.

  • Shopping rewards are based on $100 gift cards from a major national department store.

  • We make every effort to ensure our calculations are correct and up to date but make no guarantees.

Close

Rate and fee details

Rates

19.99% p.a.

none

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

yes

21.49% p.a.

45

Fees

$250.00

$99 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 Pay, Samsung Pay, Fitbit Pay, Garmin Pay

Rewards privileges

Concierge,
Travel Insurance,
Extended Warranty,
Purchase Protection

Rewards program details

Rates and fees information correct as at 3 December 2021. 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 $4,000 on eligible purchases within 90 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?
How do we calculate the rewards?

To work out the "Rewards value minus fees" in our Rewards Revealer we:

  • calculate how many points you'd get each year,

  • figure out how many flights or gift cards or cashback credits you could get for those points,

  • work out what that's actually worth to you,

  • take off the annual fee you'd pay.

More details:

  • Our calculations are designed to help you compare the value of different rewards schemes. To do this, we've looked at earning a one-way Sydney-Melbourne flight excluding taxes and charges, a return Sydney-London flight excluding taxes and charges, a $100 shopping Gift Card and $100 cashback. Most cards will also offer other rewards, which may be worth more or less than the ones we've shown.

  • We have made no allowance for bonus points for using your card at specific merchants, introductory offers or special offers. We have not assigned any value to instant discounts, insurances, ticketing and concierge services or other such benefits.

  • Rewards value calculations do not take credit card interest into account. If you do not pay off your card each month you may be better off looking for a card based on interest rates than on the value of rewards.

  • In products that have more than one card, a different mix of spend between American Express / Visa / Mastercard will give different results. Mozo's Rewards Revealer lets you choose the mix based on the way you would use such a product, and gives you tailored results.

  • We assume flights purchased with airline points are 'classic' or 'reward' economy seats with restricted seat availability. 'Any seat' rewards will probably cost more.

  • To compare the value of flight rewards, we sample online retail flight prices once a quarter based on the average price on a Wednesday 3 months in advance but outside NSW school holidays. For domestic flights we take the lowest available fare from each flight on that day from Qantas Red e-deal, Virgin Australia Saver including baggage and Jetstar Starter including baggage. We calculate the average price excluding taxes and surcharges for each airline, and also the average across all airlines (which we use when rewards are travel agent vouchers). For international flights, we take the lowest available fares on that same Wednesday from each of Qantas, Emirates, Malaysian, Etihad, Singapore, Cathay Pacific and Thai, assuming a return flight 2 weeks later, calculate the average price before taxes and surcharges and use this as our assumed cost of a flight on any airline.

  • Shopping rewards are based on $100 gift cards from a major national department store.

  • We make every effort to ensure our calculations are correct and up to date but make no guarantees.

Close

Rate and fee details

Rates

19.99% p.a.

none

0% p.a. for 18 months and then 19.99% p.a. (1.00% balance transfer fee)

none

21.49% p.a.

45

Fees

$300.00

none

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 Pay, 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.

Rewards program details

Rates and fees information correct as at 3 December 2021. 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

19,010 points

$100 Cash

-

Points earning

0.75 points per dollar on Mastercard, uncapped

Rewards scheme

From 1 January 2022, 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.

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 $4,000 on eligible purchases within 90 days from card approval and an additional 30,000 Points after 12 months.

Value of rewards points

Spend $25,347 (Mastercard)

Spend $10,667 (Mastercard)

Spend $147,200 (Mastercard)

Uncapped

Never

How do we calculate these points?
How do we calculate the rewards?

To work out the "Rewards value minus fees" in our Rewards Revealer we:

  • calculate how many points you'd get each year,

  • figure out how many flights or gift cards or cashback credits you could get for those points,

  • work out what that's actually worth to you,

  • take off the annual fee you'd pay.

More details:

  • Our calculations are designed to help you compare the value of different rewards schemes. To do this, we've looked at earning a one-way Sydney-Melbourne flight excluding taxes and charges, a return Sydney-London flight excluding taxes and charges, a $100 shopping Gift Card and $100 cashback. Most cards will also offer other rewards, which may be worth more or less than the ones we've shown.

  • We have made no allowance for bonus points for using your card at specific merchants, introductory offers or special offers. We have not assigned any value to instant discounts, insurances, ticketing and concierge services or other such benefits.

  • Rewards value calculations do not take credit card interest into account. If you do not pay off your card each month you may be better off looking for a card based on interest rates than on the value of rewards.

  • In products that have more than one card, a different mix of spend between American Express / Visa / Mastercard will give different results. Mozo's Rewards Revealer lets you choose the mix based on the way you would use such a product, and gives you tailored results.

  • We assume flights purchased with airline points are 'classic' or 'reward' economy seats with restricted seat availability. 'Any seat' rewards will probably cost more.

  • To compare the value of flight rewards, we sample online retail flight prices once a quarter based on the average price on a Wednesday 3 months in advance but outside NSW school holidays. For domestic flights we take the lowest available fare from each flight on that day from Qantas Red e-deal, Virgin Australia Saver including baggage and Jetstar Starter including baggage. We calculate the average price excluding taxes and surcharges for each airline, and also the average across all airlines (which we use when rewards are travel agent vouchers). For international flights, we take the lowest available fares on that same Wednesday from each of Qantas, Emirates, Malaysian, Etihad, Singapore, Cathay Pacific and Thai, assuming a return flight 2 weeks later, calculate the average price before taxes and surcharges and use this as our assumed cost of a flight on any airline.

  • Shopping rewards are based on $100 gift cards from a major national department store.

  • We make every effort to ensure our calculations are correct and up to date but make no guarantees.

Close

Rate and fee details

Rates

19.99% p.a.

none

0% p.a. for 24 months and then 19.99% p.a. (1.00% balance transfer fee)

none

21.49% p.a.

45

Fees

$300.00

none

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 Pay, Samsung Pay, Fitbit Pay, Garmin Pay

Rewards privileges

Concierge,
Travel Insurance,
Extended Warranty,
Purchase Protection

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