Card
Offer
Westpac Altitude Rewards Black (Reduced first year annual fee for Westpac Customers)
Public offer
Selected terms version
Ended. These terms are no longer available.
Published 19 Mar 2025
View current offer termsOffer terms historyThis offer is currently unavailable.
Source wording historyOffer terms
First Year Points
100,000 points
Westpac
Second Year Points
50,000 points
With $295 annual fee
Minimum Spend
$6,000
within 4 months
Offer Expires
March 25, 2025
2 years ago
Ongoing Earn Rate
1.25x points per $1 spent
Fees
First Year Annual Fee
$99
Ongoing Annual Fee
$295
From year 2 onwards
Note: Additional fees may apply for cash advances, foreign transactions, overlimits, and late payments. Check the issuer's terms and conditions for complete fee details.
Benefit history
- Travel InsuranceUpdated May 2026
- Digital Card IssuanceUpdated May 2026
- Digital Wallet IntegrationUpdated May 2026
- Buy Now Pay LaterUpdated May 2026
- Concierge ServiceUpdated May 2026
- No Additional Cardholder FeeUpdated May 2026
- Lounge AccessUpdated May 2026
- Transit Accident InsuranceUpdated May 2026
- Purchase Protection InsuranceUpdated May 2026
- Extended Warranty InsuranceUpdated May 2026
- Rental Vehicle InsuranceUpdated May 2026
I'd like to use my bonus for:
Craig's AnalysisBonus Difficulty
Easy
●○○$50 per day required
First Year Cost
$99
annual fee
Bonus Value
$450
107,500 points redeemed in Woolworths gift cards
Earn Rate
Average
●●○○1.25x Westpac points per $1
Travel Benefits
Lounge Access
2 complimentary Priority Pass airport lounge passes each year, one of which you can share with your travel companion.
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Can I get this bonus if I've had a card from Westpac before?
You generally need to wait 24 months after your last Westpac sign-up bonus before you can earn this one.
See exclusion periods for every Australian issuer →Offer terms history
These are published versions of this offer's terms. Each version preserves the conditions available at that time.
Changes from terms version 9
Changes from terms version 8
Changes from terms version 7
Changes from terms version 6
Changes from terms version 5
Changes from terms version 4
Changes from terms version 3
Changes from terms version 2
Changes from terms version 1
First recorded terms
Saved notes
Earlier notes about this offer. Note dates are separate from terms publication dates.
- Expiration changed from 30/04/24 to 31/07/243 years ago
- Expiration changed from 01/11/23 to 30/04/24, Bonus from 140k to 100k3 years ago
- Second year annual fee increased from $250 to $2953 years ago
- Offer end date changed to 14th June 2023 due to fee changes https://www.westpac.com.au/content/public/wbc/en/personal-banking/credit-cards/reward/reward-card-changes.html3 years ago
- Annual fee increased from $49 to $994 years ago
- Offer extended from 30/06/22 to 31/12/224 years ago
- Bonus reduced from 180,000 to 140,000.5 years ago