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 |
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.
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).
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.
If you're opting for the Qantas Frequent Flyer option, a $75 rewards program fee applies.
Rates and fees information correct as at 15 October 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.
358,800 points
23,400 points
24,100 points
28,200 points
1.25 points per dollar on Mastercard, uncapped
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.
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.
Spend $22,560 (Mastercard)
Spend $19,280 (Mastercard)
Spend $18,720 (Mastercard)
Spend $287,040 (Mastercard)
Uncapped
Never
|
20.99% p.a. |
|
|
none |
|
|
No current offer |
|
|
yes |
|
|
21.99% p.a. |
|
|
45 |
|
$295.00 |
|
|
$150 in the first year |
|
|
none |
|
|
none |
|
|
$15.00 |
|
|
3% |
|
|
3.00% |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
$10.00 |
|
|
2.00% |
|
|
1 |
|
|
none |
Apple Pay, Google Wallet, Samsung Pay, Garmin Pay
Concierge,
Travel Insurance,
Extended Warranty,
Purchase Protection
First year annual fee $99 card fee for existing customers the first year (reverts to $295 thereafter). PartPay available.
Rates and fees information correct as at 15 October 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.
119,600 points
7,800 points
19,500 points
-
0.75 points per dollar on Mastercard, uncapped
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.
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.
Spend $26,000 (Mastercard)
Spend $10,400 (Mastercard)
Spend $159,467 (Mastercard)
Uncapped
Never
|
20.99% p.a. |
|
|
none |
|
|
No current offer |
|
|
yes |
|
|
21.99% p.a. |
|
|
45 |
|
$295.00 |
|
|
$150 in the first year |
|
|
none |
|
|
$75.00 |
|
|
$15.00 |
|
|
3% |
|
|
3.00% |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
$10.00 |
|
|
2.00% |
|
|
1 |
|
|
none |
Apple Pay, Google Wallet, Samsung Pay, Garmin Pay
Concierge,
Travel Insurance,
Extended Warranty,
Purchase Protection
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).
Rates and fees information correct as at 15 October 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.
110,400 points
8,000 points
20,010 points
-
0.75 points per dollar on Mastercard, up to $250,000 per year
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.
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.
Spend $26,680 (Mastercard)
Spend $10,667 (Mastercard)
Spend $147,200 (Mastercard)
at $250,000 yearly
Never
|
20.99% p.a. |
|
|
none |
|
|
No current offer |
|
|
yes |
|
|
21.99% p.a. |
|
|
45 |
|
$295.00 |
|
|
$150 in the first year |
|
|
none |
|
|
$75.00 |
|
|
$15.00 |
|
|
3% |
|
|
3.00% |
|
|
$0.00 |
|
|
$0.00 |
|
|
$0.00 |
|
$10.00 |
|
|
2.00% |
|
|
1 |
|
|
none |
Apple Pay, Google Wallet, Samsung Pay, Garmin Pay
Concierge,
Travel Insurance,
Extended Warranty,
Purchase Protection
First year annual fee $150 card fee for existing customers the first year (reverts to $295 thereafter). PartPay available.
An easy to use credit card with the added advantage of rewards points earned for every dollar spent. When my card was hacked, the bank proatively called me, helped me to get my new card in an expedited manner due to me leaving for holidays. The customer services was first class and would highly recommend them to others.
Read full reviewAn easy to use credit card with the added advantage of rewards points earned for every dollar spent. When my card was hacked, the bank proatively called me, helped me to get my new card in an expedited manner due to me leaving for holidays. The customer services was first class and would highly recommend them to others.
Considering I was a single mother with two dependents earning only 4 times the amount of credit I was given while only initially requesting half that amount and the destruction this brought to my life (prior to the banking royal commission), I'd suggest you steer clear of Westpac and their past lending practices.
Read full reviewConsidering I was a single mother with two dependents earning only 4 times the amount of credit I was given while only initially requesting half that amount and the destruction this brought to my life (prior to the banking royal commission), I'd suggest you steer clear of Westpac and their past lending practices.
Pros- good for getting qf points. Direct debit payment os easy way of keeping on top of payments. Cons- value of conversion to qf points has gone down. Qf points value has gone down too.
Read full reviewPros- good for getting qf points. Direct debit payment os easy way of keeping on top of payments. Cons- value of conversion to qf points has gone down. Qf points value has gone down too.
The altitude rewards are great. Customer service was eventually good. I noticed a $1000 fraudulent transaction which required me to call as it couldn’t be resolved online. 4 hours of being on hold only to be disconnected. Finally decided to contact via Facebook and was connected to a person within 15 minutes.
Read full reviewThe altitude rewards are great. Customer service was eventually good. I noticed a $1000 fraudulent transaction which required me to call as it couldn’t be resolved online. 4 hours of being on hold only to be disconnected. Finally decided to contact via Facebook and was connected to a person within 15 minutes.
Credit cards are too easily get into debt plus bank is happy to increase the limit over and over. Interest rates are too high they are greedy for profits and don't care for customers
Read full reviewCredit cards are too easily get into debt plus bank is happy to increase the limit over and over. Interest rates are too high they are greedy for profits and don't care for customers
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
Rewards Credit Card
0% p.a. for 15 months then 21.49% p.a.
0% p.a. for 15 months and then 22.24% p.a.
$199
Citi Rewards Program
Qantas Ultimate Card
23.99% p.a.
No current offer
$450
Qantas Frequent Flyer
Clear Credit Card - BT Offer
14.99% p.a.
0% p.a. for 24 months and then 22.24% p.a. (1.50% balance transfer fee)
$99 $49 in the first year
Essential® Rewards Credit Card
23.99% p.a.
No current offer
$108
Membership Rewards
Rewards Credit Card
21.49% p.a.
No current offer
$199 $99 in the first year
Citi Rewards Program
Explorer Credit Card
23.99% p.a.
No current offer
$395
Membership Rewards
Qantas Ultimate Card
Qantas Frequent Flyer
$450
50,000
1.25 points up to 100,000 points/year, then
1 point uncapped
Platinum Visa Credit Card
Qantas Frequent Flyer
$299
30,000
1 point up to 20,000 points/month
Qantas Rewards Premium Card
Qantas Frequent Flyer
$295 $195 in the first year
70,000
0.66 points up to $3,000/month, then
0.33 points up to $6,000/month
Qantas Premium Card
Qantas Frequent Flyer
$249
20,000
1 point uncapped
Rewards Signature Card
NAB Rewards
$295 $145 in the first year
180,000
1.25 points uncapped
Qantas Discovery Card
Qantas Frequent Flyer
$0
No current offer
0.75 points uncapped
Velocity Escape Plus Card
Velocity Frequent Flyer
$95
No current offer
1 point up to 120,000 points/year, then
0.75 points uncapped
Qantas Rewards Signature Card
Qantas Frequent Flyer
$420 $320 in the first year
120,000
1 point up to $5,000/month, then
0.5 points up to $20,000/month
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
Clear Credit Card
0% p.a. for 28 months and then 22.24% p.a. (3.00% balance transfer fee)
14.99% p.a.
$99
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
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
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
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
Rewards Credit Card
0% p.a. for 15 months then 21.49% p.a.
0% p.a. for 15 months and then 22.24% p.a.
$199
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
Clear Credit Card
14.99% p.a.
0% p.a. for 28 months and then 22.24% p.a. (3.00% balance transfer fee)
$99
Low Rate Credit Card
12.99% p.a.
0% p.a. for 12 months and then 25.99% p.a. (2.00% balance transfer fee)
$99
Low Rate Visa Credit Card
9.90% p.a.
No current offer
$59
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
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
Rewards Credit Card
0% p.a. for 15 months then 21.49% p.a.
0% p.a. for 15 months and then 22.24% p.a.
$199
Clear Credit Card - BT Offer
14.99% p.a.
0% p.a. for 24 months and then 22.24% p.a. (1.50% balance transfer fee)
$99 $49 in the first year
Clear Credit Card
14.99% p.a.
0% p.a. for 28 months and then 22.24% p.a. (3.00% balance transfer fee)
$99
Low Rate Credit Card
12.99% p.a.
0% p.a. for 12 months and then 25.99% p.a. (2.00% balance transfer fee)
$99
Low Rate Visa Credit Card
9.90% p.a.
No current offer
$59
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
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