Westpac Altitude Black

20.24% p.a.

No current offer

$250

20.24% p.a.

No current offer

$300

Westpac Altitude Black Review

Rates and fees information correct as at 26 April 2018.

Review published: 11 April 2013

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 June 11 2018)

  • Mozo Experts Choice Award 2017

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, 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 June 11 2018, you'll receive 80,000 bonus Qantas or Altitude points if you spend $5,000 within 90 days of card approval. The Qantas Frequent Flyer version of the Altitude Black also picked up a 2017 Mozo Experts Choice Award for Best Premium Rewards Credit Card.

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. Opt for the Qantas Frequent Flyer program, and you can pick up 0.625 Qantas points per $1 you spend, also uncapped.

Before June 6, you can also snag 80,000 bonus points by spending $5,000 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. 

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.

How are Westpac credit cards rated by the Mozo community?

Product Type Overall Rating Price Features Service Convenience Trust
7.2

Based on 1431
Westpac credit cards reviews

6.3 6.4 7.3 7.7 7.4

Read Westpac credit card reviews by the Mozo community

Latest reviews of Westpac Altitude Black

Westpac

Westpac Altitude Black (Altitude Rewards) credit card review

Overall rating   8 / 10

Great customer Service

Good card for my life style

Full review

Good card for my life style

    Price   8 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   8 / 10

Less

Phillip (VIC), reviewed over 1 year ago

Westpac

Westpac Altitude Black (Altitude Rewards) credit card review

Overall rating   7 / 10

Has great features for us

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.

Full review

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

Less

Richard (WA), reviewed almost 2 years ago

Westpac

Westpac Altitude Black (Altitude Rewards) credit card review

Overall rating   9 / 10

Good Service

Excellent Bank

Full review

Excellent Bank

    Price   9 / 10

    Features   9 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   9 / 10

Less

John (NSW), reviewed about 2 years ago

Westpac

Westpac Altitude Black (Altitude Rewards) credit card review

Overall rating   9 / 10

Competitive rates and generally great service

Trustworthy and they are great at contacting you if they suspect any suspicious transactions on your card, easy to deal with over the phone.

Full review

Trustworthy and they are great at contacting you if they suspect any suspicious transactions on your card, easy to deal with over the phone.

    Price   7 / 10

    Features   9 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   9 / 10

Less

Toni (WA), reviewed about 2 years ago

Westpac

Westpac Altitude Black (Altitude Rewards) credit card review

Overall rating   10 / 10

Great customer service.

Westpac are an excellent efficient customer service focused bank who have helped me in good times and bad.

Full review

Westpac are an excellent efficient customer service focused bank who have helped me in good times and bad.

    Price   5 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Angela (QLD), reviewed about 2 years ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Currently showing

Revealing rewards

How do we do it?

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.

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 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.

Privileges

  • Concierge
  • Travel Insurance
  • Extended Warranty
  • Purchase Protection

Special offers

  • Receive 80,000 bonus Altitude Points when you spend at least $3,000 within 90 days from card approval.

Value of rewards points

  • Need to spend $16,000 (Mastercard)

  • Need to spend $18,800 (Mastercard)

  • Need to spend $12,480 (Mastercard)

  • Need to spend $191,360 (Mastercard)

  • Uncapped

  • Never

Details behind our 'value of rewards' calculations

  • 1.25 points per dollar on Mastercard, uncapped

  • 20000 points buys a Altitude $100 annual fee

  • 23500 points buys a Myer $100 Gift Card

  • 1 points buys 0.5 Velocity Points; 7800 Velocity Points buys a Virgin Australia Sydney-Melbourne flight

  • 1 points buys 0.5 Velocity Points; 119600 Velocity Points buys a Velocity partner Sydney-London flight

* How did we do it? Find out...

Rates

  • 20.24% p.a.

  • none

  • No current offer

  • none

  • 20.74% p.a.

  • 45

Fees

  • $250.00

  • none

  • none

  • none

  • $15.00

  • 2%, Min $2.50, Max $150

  • 3.00%

  • $7.50

  • none

  • $0.00

Other financial bits

  • $10.00

  • 2.0

Features

  • 1

  • none

  • none

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.

Privileges

  • Concierge
  • Travel Insurance
  • Extended Warranty
  • Purchase Protection

Special offers

  • Receive 80,000 bonus Qantas Points when you spend at least $3,000 within 90 days from card approval.

Value of rewards points

  • Need to spend $21,547 (Mastercard)

  • Need to spend $10,667 (Mastercard)

  • Need to spend $160,000 (Mastercard)

  • Uncapped

  • Never

Details behind our 'value of rewards' calculations

  • 0.75 points per dollar on Mastercard, uncapped

  • 16160 points buys a Myer $100 Gift Card

  • 8000 points buys a Qantas Sydney-Melbourne flight

  • 120000 points buys a Qantas Sydney-London flight

* How did we do it? Find out...

Rates

  • 20.24% p.a.

  • none

  • No current offer

  • none

  • 20.74% p.a.

  • 45

Fees

  • $300.00

  • none

  • none

  • none

  • $15.00

  • 2%, Min $2.50, Max $150

  • 3.00%

  • $7.50

  • none

  • $0.00

Other financial bits

  • $10.00

  • 2.0

Features

  • 1

  • none

  • none

About Westpac

As Australia's first bank, Westpac has been serving customers since 1817! Now that Westpac has merged with St George to create Australia's largest financial services company. Westpac customers will benefit from things like being able to use both banks' ATM networks without paying any extra fees. So if you're after the security offered by a major bank, 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.

**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

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