Westpac Altitude Black

This product is available in different versions. Pick the right version for you here.

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

20.49% p.a.

No current offer

$250

Altitude Rewards

Westpac Altitude Black

20.49% p.a.

No current offer

$250

Altitude Rewards

20.49% p.a.

No current offer

$300

Velocity Frequent Flyer

Westpac Altitude Black

20.49% p.a.

No current offer

$300

Velocity Frequent Flyer

20.49% p.a.

No current offer

$300

Qantas Frequent Flyer

Westpac Altitude Black

20.49% p.a.

No current offer

$300

Qantas Frequent Flyer

Mozo Review   Westpac Altitude Black Review

Last updated: 31 July 2019.

What's hot:
  • Earn 1.25 Altitude rewards points per $1 spent

  • Complimentary features like travel insurance and concierge

  • 80,000 bonus Altitude or Qantas points (T&Cs apply, offer available until 15 October 2019)

What's not:
  • $250 annual fee

  • 0.75 Qantas rewards points per $1 spent

Mozo snapshot:

With the Westpac Altitude Black you can choose between an Altitude Rewards, Velocity Frequent Flyer or Qantas Frequent Flyer option. You'll have access to a great range of complimentary features including concierge, travel insurance and extended warranty. And that's not all - until 15 October 2019, you'll receive 80,000 bonus Qantas or Altitude points if you spend $4,000 within 90 days of card approval. 

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 either the Velocity or Qantas Frequent Flyer programs 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. Opt for the Qantas Frequent Flyer program, and you can pick up 0.75 Qantas points per $1 you spend, also uncapped. On Velocity Frequent Flyer, you'll also earn 0.75 Velocity points per $1 you spend, uncapped.

Before November 27, you can also snag 80,000 bonus points by spending $4,000 in the first 90 days after being approved for the card.

The Westpac Altitude Black also comes with a number of travel treats such as Elite Gold Preferred Guest Membership status with Starwood Hotels after one nights stay (usually this requires 25 nights.) You'll also get two complimentary priority airport lounge passes each year which you can use at one of over 600 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 comes with complimentary comprehensive travel insurance which includes 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 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 dedicated concierge to get the best value from it. You'll also be up for a $50 Qantas Rewards fee if you choose that option, bringing the total annual fee to $300.

Who it's good for:

With an annual fee of $250, 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 will work out very well for the big spender.

Any catches?

The two complimentary priority airport lounge passes you get each year are for the primary cardholder only - so if you’re travelling with your partner or family, keep in mind that each extra guest will have to pay the going rate to get in. Plus, if you're opting for the Qantas Frequent Flyer option, a rewards program fee applies.

Rewards program details

Rates and fees information correct as at 17 August 2019. 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

239,200 points

Fly Sydney to Melbourne one-way

15,600 points

$100 Giftcard

23,500 points

$100 Cash

20,000 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. Points transfer rate is 2 Altitude points per Velocity point if via auto redemption, 3 Altitude points per Velocity point otherwise.

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

2 complimentary visits to Priority Pass Lounges each year.

Special offers

Receive 80,000 bonus Qantas Points when you spend at least $4,000 on eligible purchases within 90 days from card approval.

Value of rewards points

Spend $16,000 (Mastercard)

Spend $18,800 (Mastercard)

Spend $12,480 (Mastercard)

Spend $191,360 (Mastercard)

Uncapped

Never

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
  • 20.49% p.a.

  • none

  • No current offer

  • none

  • 21.49% p.a.

  • 45

Fees
  • $250.00

  • none

  • none

  • none

  • $15.00

  • 2%, Min $2.50, Max $150

  • 3.00%

  • $2.00

  • none

  • $0.00

Features
  • $10.00

  • 2.0

  • 1

  • none

Payment options

Google Pay, Samsung Pay, Fitbit

Rewards privileges

Concierge,
Travel Insurance,
Extended Warranty,
Purchase Protection

Rewards program details

Rates and fees information correct as at 17 August 2019. 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 80,000 bonus Qantas Points when you spend at least $4,000 on eligible purchases within 90 days from card approval.

Value of rewards points

Spend $26,000 (Mastercard)

Spend $10,400 (Mastercard)

Spend $159,467 (Mastercard)

Uncapped

Never

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
  • 20.49% p.a.

  • none

  • No current offer

  • none

  • 21.49% p.a.

  • 45

Fees
  • $300.00

  • none

  • none

  • none

  • $15.00

  • 2%, Min $2.50, Max $150

  • 3.00%

  • $2.00

  • none

  • $0.00

Features
  • $10.00

  • 2.0

  • 1

  • none

Payment options

Google Pay, Samsung Pay, Fitbit

Rewards privileges

Concierge,
Travel Insurance,
Extended Warranty,
Purchase Protection

Rewards program details

Rates and fees information correct as at 17 August 2019. 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

17,120 points

$100 Cash

-

Points earning

0.75 points per dollar on Mastercard, uncapped

Rewards scheme

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 80,000 bonus Qantas Points when you spend at least $4,000 on eligible purchases within 90 days from card approval.

Value of rewards points

Spend $22,827 (Mastercard)

Spend $10,667 (Mastercard)

Spend $147,200 (Mastercard)

Uncapped

Never

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
  • 20.49% p.a.

  • none

  • No current offer

  • none

  • 21.49% p.a.

  • 45

Fees
  • $300.00

  • none

  • none

  • none

  • $15.00

  • 2%, Min $2.50, Max $150

  • 3.00%

  • $2.00

  • none

  • $0.00

Features
  • $10.00

  • 2.0

  • 1

  • none

Payment options

Google Pay, Samsung Pay, Fitbit

Rewards privileges

Concierge,
Travel Insurance,
Extended Warranty,
Purchase Protection

Customer Reviews

How are Westpac credit cards rated by the Mozo community?

Overall customer rating
6.8/10
Price
5.9/10
Features
6.0/10
Customer service
6.9/10
Convenience
7.6/10
Trust
7.0/10

Latest reviews of Westpac Altitude Black

  • Overall
    6/10
    Good

    Good and fast service. Rates could be a lot more competitive.

    Good and fast service. Rates could be a lot more competitive.

    Price
    4/10
    Features
    7/10
    Customer service
    9/10
    Convenience
    7/10
    Trust
    9/10

    Agavale | Victoria

    reviewed 9 months ago

  • Overall
    8/10
    Have been with them for more than 60 years!

    I can phone or go online at any time and get the answers I require.

    I can phone or go online at any time and get the answers I require.

    Price
    -1/10
    Features
    8/10
    Customer service
    -1/10
    Convenience
    9/10
    Trust
    10/10

    Patricia | Western Australia

    reviewed 9 months ago

  • Overall
    8/10
    Great customer Service

    Good card for my life style

    Good card for my life style

    Price
    8/10
    Features
    8/10
    Customer service
    8/10
    Convenience
    8/10
    Trust
    8/10

    Phillip | Victoria

    reviewed almost 3 years ago

  • Overall
    7/10
    Has great features for us

    Card has the feature we require however it is hard to get good customer service information. Also...

    Card has the feature we require however it is hard to get good customer service information. Also online banking is not the most stream lined.

    Price
    7/10
    Features
    8/10
    Customer service
    5/10
    Convenience
    7/10
    Trust
    4/10

    Richard | Western Australia

    reviewed over 3 years ago

  • Overall
    9/10
    Good Service

    Excellent Bank

    Excellent Bank

    Price
    9/10
    Features
    9/10
    Customer service
    9/10
    Convenience
    9/10
    Trust
    9/10

    John | New South Wales

    reviewed over 3 years ago

Westpac

About Westpac

As Australia's first bank, Westpac has been serving customers since 1817. Westpac merged with St.George to create Australia's largest financial services company, and customers can enjoy from peace of mind from having the security offered by a major bank behind them. Check out Westpac's range of banking products such as savings accounts, home loans, personal loans, credit cards and other financial services such as its car and home and contents insurance.

See Westpac credit cards

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