Westpac Altitude Qantas Black (Reduced first year annual fee for Westpac Customers)

Up to 6 months complimentary international travel insurance cover when eligibility criteria are met, including prepaying $500 of travel costs and holding a return overseas ticket before departing Australia.

Rental vehicle excess cover in Australia included as part of complimentary insurances.

Up to 24 months extended warranty insurance cover in addition to the manufacturer's expressed Australian warranty on eligible purchases.

Up to 4 months purchase protection insurance on eligible purchases.

Overseas transit accident insurance covers accidental death or injury when traveling overseas as a passenger on plane, bus, train, or shorthaul ferry with tickets purchased on the card.

2 complimentary Qantas Club airport lounge passes per year after registration and eligible spend on selected Qantas products and services; valid for Qantas Club and Qantas operated International Business Lounges only (excluding Los Angeles Tom Bradley Airport lounge).

Add 1 additional cardholder aged 16 years or older at no extra cost.

Personal Concierge Service available 24/7 for booking experiences, hard-to-get tickets, last-minute restaurant reservations, and more via westpac.tenconcierge.com or phone 1300 651 999 (option 4).

Card supports Apple Pay, Samsung Pay, and Google Pay digital wallets.

Instant Digital Card available from account opening before physical card arrives.

Up to 45 days interest-free period on purchases when closing balance or monthly payment balance is paid in full by due date; excludes cash advances.