$195 after fees

Altitude Points can be redeemed/transferred to partner airline frequent flyer programs (including Qantas and Velocity) and other partners under the Altitude Rewards program; a joining fee may apply

Up to 4 months cover for eligible items charged to the card against theft, accidental damage or permanent loss; up to $10,000 per item ($3,500 for jewellery, watches and new works of art), $135,000 max per 12-month period, $300 excess

Extends the manufacturer's Australian warranty by an equal period up to a maximum of 2 years (no cover where the manufacturer's warranty exceeds 5 years) on covered products charged to the card; up to $20,000 per product and per card account per 12 months, $300 excess

2 complimentary Priority Pass airport lounge visits per 12-month period for the primary cardholder (one may be used by an accompanying guest); requires enrolment at prioritypass.com/westpacblack; unused visits do not carry forward and further visits incur the Priority Pass member/guest fee

Complimentary International Travel Insurance for trips up to 6 months (Level 1 / Altitude Black card) when at least $500 of prepaid travel costs are charged to the card and a return overseas ticket is held; covers unlimited overseas emergency medical, evacuation and cancellation among other sections (sub-limits apply). Also includes complimentary Interstate Flight Inconvenience Insurance for domestic flights charged to the card (cancellation up to $3,000, flight delay, luggage). Cardholders aged under 81. Eligibility confirmation at checkyourcover.com.au/westpac

Rental Vehicle Excess in Australia Insurance covers rental vehicle excess up to the amount in the rental agreement or $5,500 (whichever is lesser) when the full rental is charged to the card; $300 excess

Overseas Transit Accident Insurance covers specified accidental death or injury sustained overseas while riding, boarding or alighting as a passenger on a plane, bus, train or short-haul ferry, when the entire trip tickets were purchased on the card before departure

No annual Altitude Rewards Program fee. Reduced first year card fee of $200 (or $99 for existing Westpac customers) for Altitude Rewards Black card, reverting to $295 thereafter.

Foreign transaction fee of 3% applies on foreign currency transactions or transactions processed overseas.

Personal Concierge Service exclusive to Altitude Black cardholders, provided by Ten Lifestyle Services, to book experiences, hard-to-get tickets and last-minute restaurant reservations online or via Lifestyle Managers on 1300 651 999

Supports Apple Pay, Samsung Pay and Google Pay

Instant Digital Card available from the moment the account is opened, before the physical card arrives

Card management tools including PartPay, SmartPlan, Balance Transfers, Card Autopay and SMS payment reminders

PartPay feature splits eligible purchases into 4 payments over 6 weeks; turn on to start using

SmartPlan lets cardholders set up fixed instalment payment plans on the card account

Balance Transfers available on the account; specific rate and term not stated on the offer page

Up to 45 days interest-free on purchases when the closing balance is paid in full by the due date; cash advances are not covered

1 additional cardholder (16 years or older) can be added at no extra cost