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Westpac Altitude Black

The details shown below are for a card with Altitude Rewards

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 (Qantas Frequent Flyer)

    Rewards: Qantas Frequent Flyer

Purchase rate
20.49% p.a.
Balance transfer rate
No current offer
Annual fees
$250
Interest free days on purchases
45
Go to site
Purchase rate
20.49% p.a.
Balance transfer rate
No current offer
Annual fees
$300
Interest free days on purchases
45

Mozo editorial review Westpac Altitude Black

Last updated: 13 August 2020.

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
What's not
  • $250 annual fee
  • 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 11 November 2020, you'll receive 150,000 bonus Altitude points if you spend $4,000 on eligible purchases within 90 days of new card approval.

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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 11 November 2020 then you can also snag 150,000 bonus points by spending $4,000 on eligible purchases in the first 90 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 (uncapped). 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.

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 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.

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Who is it 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 could work out very well for the big spender.

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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 30 September 2020. 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

212,000 points

Fly Sydney to Melbourne one-way

-

$100 Giftcard

24,100 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.

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 150,000 bonus Altitude 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 $19,280 (Mastercard)

Spend $169,600 (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

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 30 September 2020. 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

18,690 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 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 $24,920 (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

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

Rewards privileges

Concierge,
Travel Insurance,
Extended Warranty,
Purchase Protection

Customer Reviews

How are Westpac credit cards rated by the Mozo community?

Overall
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 10/10
    Open to requests, handled credit card scam quickly

    I have been with this bank for many years. I have found them to be very helpful if we have had to contact the with a query or problem, both online and in store. Always ask for what you want or expect from the bank. If you want a reduced interest rate they usually have room to move. You never know until you ask, don’t assume.

    Read full review

    I have been with this bank for many years. I have found them to be very helpful if we have had to contact the with a query or problem, both online and in store. Always ask for what you want or expect from the bank. If you want a reduced interest rate they usually have room to move. You never know until you ask, don’t assume.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Shirley, Queensland reviewed 2 months ago
  • Overall 1/10
    Terrible service.

    I have been with Westpac for long time. Bad communication when I applied for a new home loan. Hand balling to one person then another person and never followed up about the application. Finally ended up with NAB with better rates. I canceled both my home and landlord insurance with Westpac too as it was appalling! I have only one home loan left and it will be moved to NAB soon. Westpac credit card team is stupid. If they reject me, would they still have anyone to accept? Ridiculous! Never communicated with me for what they need for my application. I’m not wasting my time anymore. Done with Westpac. Feel sorry to be with them for 8 years and paid my interest and annual fees to them. Not worth it. Not anymore from now.

    Read full review

    I have been with Westpac for long time. Bad communication when I applied for a new home loan. Hand balling to one person then another person and never followed up about the application. Finally ended up with NAB with better rates. I canceled both my home and landlord insurance with Westpac too as it was appalling! I have only one home loan left and it will be moved to NAB soon. Westpac credit card team is stupid. If they reject me, would they still have anyone to accept? Ridiculous! Never communicated with me for what they need for my application. I’m not wasting my time anymore. Done with Westpac. Feel sorry to be with them for 8 years and paid my interest and annual fees to them. Not worth it. Not anymore from now.

    Price
    1/10
    Features
    -1/10
    Customer service
    1/10
    Convenience
    -1/10
    Trust
    1/10
    Less
    Nyein, Queensland reviewed 3 months ago
  • Overall 8/10
    Excellent benefits, great online banking.

    Westpac, what can I say, they are everything you want in a bank! Trustworthy, reliable, great customer service, great online banking set up and most importantly to me, awesome benefits that come with the credit card. No cons from me, would recommend highly to anyone.

    Read full review

    Westpac, what can I say, they are everything you want in a bank! Trustworthy, reliable, great customer service, great online banking set up and most importantly to me, awesome benefits that come with the credit card. No cons from me, would recommend highly to anyone.

    Price
    -1/10
    Features
    10/10
    Customer service
    -1/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Jacob, Victoria reviewed 4 months ago
  • Overall 1/10
    Low valued, high interest credit card

    High interest rate, low points earner. Not much value for the customer.

    Read full review

    High interest rate, low points earner. Not much value for the customer.

    Price
    0/10
    Features
    2/10
    Customer service
    2/10
    Convenience
    3/10
    Trust
    2/10
    Less
    Huy, New South Wales reviewed 5 months ago
  • Overall 8/10
    Great rewards system but no Apple Pay yet.

    Great rewards. Easy to get products but easier to use egift cards for major stores and easy to swap for cash. No Apple Pay which is poor in this day.

    Read full review

    Great rewards. Easy to get products but easier to use egift cards for major stores and easy to swap for cash. No Apple Pay which is poor in this day.

    Price
    8/10
    Features
    9/10
    Customer service
    9/10
    Convenience
    2/10
    Trust
    9/10
    Less
    John, New South Wales reviewed 5 months 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.

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