Card
Offer
Westpac Altitude Rewards Black
Public offer
Offer 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
1.00x points per $1 spent
Fees
First Year Annual Fee
$200
Ongoing Annual Fee
$295
From year 2 onwards
Program Fee
$75
Additional fee for reward program participation
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.
Recorded benefits
- No Annual Fee
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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.
- No International Transaction Fee
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Foreign transaction fee of 3% applies on foreign currency transactions or transactions processed overseas.
- Lounge Access2 visits/year · Priority Pass
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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
- Concierge Service
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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
- Digital Wallet Integration
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Supports Apple Pay, Samsung Pay and Google Pay
- Digital Card Issuance
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Instant Digital Card available from the moment the account is opened, before the physical card arrives
- Online Banking Features
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Card management tools including PartPay, SmartPlan, Balance Transfers, Card Autopay and SMS payment reminders
- Points Transfer Benefits
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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
- Buy Now Pay Later
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PartPay feature splits eligible purchases into 4 payments over 6 weeks; turn on to start using
- Installment Plans
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SmartPlan lets cardholders set up fixed instalment payment plans on the card account
- Balance Transfer Offers
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Balance Transfers available on the account; specific rate and term not stated on the offer page
- Interest Free Periods
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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
- No Additional Cardholder Fee
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1 additional cardholder (16 years or older) can be added at no extra cost
- Travel Insurance
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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
- Purchase Protection Insurance
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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
- Extended Warranty Insurance
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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
- Rental Vehicle Insurance
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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
- Transit Accident Insurance
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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
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
$275
annual fee + $75 program 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?
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.
Published 2 Oct 2026
Changes from terms version 2
Changes from terms version 1
First recorded terms