Card

Westpac Altitude Rewards Black

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 30 Jun 2024

View current offer terms Offer terms history

$99 first year annual fee

100,000 points

$15,000 min limit

$75,000 annual income required

1.25 points per dollar

Spend $6,000 in 120 days

This offer is currently unavailable.

Source wording history

Offer terms

Low FeeOffer Ended

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

April 30, 2025

a year 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:

Supermarket Gift Cards Singapore Airlines

Craig's Analysis

+100,000sign-up bonus

+7,500from $6,000 spend

=107,500Westpac points

→$450in Woolworths gift cards

−$99first-year fees

=$351first-year value

Bonus 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

Did this help you make a decision?

$351 of profit after meeting spend requirements

+ $450 Woolworths gift cards

- $99

annual fee

$200

x 2

$50

x 1

in Woolworths gift cards, $450 total, with 1,750 points remaining.

$100

x 3

$50

x 1

in Cashback , $350 total, with 8,800 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 →

OzBargain discussion for this card

Offer terms history

These are published versions of this offer's terms. Each version preserves the conditions available at that time.

Terms version 10

Ended

Published 19 Mar 2026

Ended 28 Mar 2026

Changes from terms version 9

Points Per Dollar:

1.002.00

Terms version 9

Ended

Published 11 Jan 2026

Ended 19 Mar 2026

Changes from terms version 8

Points Per Dollar:

2.001.00

Terms version 8

Ended

Published 6 Dec 2025

Ended 11 Jan 2026

Changes from terms version 7

Bonus:

120,000100,000

Second Year Bonus:

40,000100,000

Spend For Bonus:

6,00012,000

Bonus Period:

120365

Terms version 7

Ended

Published 23 Sep 2025

Ended 6 Dec 2025

Changes from terms version 6

Bonus:

130,000120,000

Second Year Bonus:

50,00040,000

Points Per Dollar:

1.252.00

Lounge Pass:

2 complimentary Priority Pass airport lounge passes each year, one of which you can share with your travel companion.2 complimentary Priority Pass lounge visits per year (one visit may be used by an accompanying guest)

Terms version 6

Ended

Published 26 Jun 2025

Ended 23 Sep 2025

Changes from terms version 5

Program Fee:

Terms version 5

Ended

Published 9 Jun 2025

Ended 26 Jun 2025

Changes from terms version 4

Minimum Credit Limit:

15,0006,000

Terms version 4

Ended

Published 26 Mar 2025

Ended 9 Jun 2025

Changes from terms version 3

Bonus:

100,000130,000

Expiration Date:

25 Mar 2025

Terms version 3

Ended

Published 19 Mar 2025

Ended 26 Mar 2025

Changes from terms version 2

Program Fee:

Expiration Date:

30 Apr 202525 Mar 2025

Terms version 2

Ended

Published 25 Jan 2025

Ended 19 Mar 2025

Changes from terms version 1

Interest Rate:

20.0020.99

Lounge Pass:

2 complimentary Priority Pass airport lounge passes each year, one of which you can share with your travel companion.

Terms version 1

Ended

Published 30 Jun 2024

Ended 25 Jan 2025

First recorded terms

Bonus Westpac:

100,000

Annual Fee:

$99

Minimum Spend:

$6,000 in 120 days

Saved notes

Earlier notes about this offer. Note dates are separate from terms publication dates.

Expiration changed from 30/04/24 to 31/07/24
3 years ago
Expiration changed from 01/11/23 to 30/04/24, Bonus from 140k to 100k
3 years ago
Second year annual fee increased from $250 to $295
3 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.html
3 years ago
Annual fee increased from $49 to $99
4 years ago
Offer extended from 30/06/22 to 31/12/22
4 years ago
Bonus reduced from 180,000 to 140,000.
5 years ago

Other offers for this card

Westpac Altitude Rewards Black