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 6 Dec 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
100,000 points
With $295 annual fee
Minimum Spend
$12,000
within 12 months
Ongoing Earn Rate
2.00x 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
●○○$33 per day required
First Year Cost
$99
annual fee
Bonus Value
$520
124,000 points redeemed in Woolworths gift cards
Earn Rate
Excellent
●●●●2.00x Westpac points per $1
Travel Benefits
Lounge Access
2 complimentary Priority Pass lounge visits per year (one visit may be used by an accompanying guest)
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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