Card

Westpac Altitude Rewards Black

Offer

Westpac Altitude Rewards Black

Public offer

Selected terms version

Ended. These terms are no longer available.

Published 28 Mar 2026

View current offer terms Offer terms history

$200 first year annual fee

100,000 points

$6,000 min limit

$75,000 annual income required

1.00 points per dollar

Spend $12,000 in 365 days

This offer is currently unavailable.

Source wording history

Offer terms

Mid-TierOffer Ended

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

1.00x points per $1 spent

Fees

First Year Annual Fee

$200

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:

Supermarket Gift Cards Singapore Airlines

Craig's Analysis

+100,000sign-up bonus

+12,000from $12,000 spend

=112,000Westpac points

→$470in Woolworths gift cards

−$200first-year fees

=$270first-year value

Bonus Difficulty

Easy

●○○

$33 per day required

First Year Cost

$200

annual fee

Bonus Value

$470

112,000 points redeemed in Woolworths gift cards

Earn Rate

Average

●●○○

1.00x 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)

Did this help you make a decision?

$270 of profit after meeting spend requirements

+ $470 Woolworths gift cards

- $200

annual fee

$200

x 2

$50

x 1

$20

x 1

in Woolworths gift cards, $470 total, with 1,550 points remaining.

$100

x 3

$50

x 1

in Cashback , $350 total, with 13,300 points remaining.

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.

Terms version 3

Available

Published 2 Oct 2026

Changes from terms version 2

Program Fee:

$0$75

Interest Rate:

20.9923.98

Terms version 2

Ended

Published 28 Mar 2026

Ended 2 Oct 2026

Changes from terms version 1

Points Per Dollar:

2.001.00

Terms version 1

Ended

Published 28 Mar 2026

Ended 28 Mar 2026

First recorded terms

Bonus Westpac:

100,000

Annual Fee:

$200

Minimum Spend:

$12,000 in 365 days

Lounge Pass:

2 complimentary Priority Pass lounge visits per year (one visit may be used by an accompanying guest)