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

Fees

Benefits

• Lounge Access

  2 visits/year · Qantas Club

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  2 complimentary Qantas Club lounge invitations per 12-month period after registering the card and spending on selected Qantas products and services; register at loungepass.altitudeblack.com.au

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• Concierge Service

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  Personal Concierge Service provided by Ten Lifestyle Services for Altitude Black cardholders; browse and book experiences, tickets and restaurant reservations online or by phone 1300 651 999 (option 4)

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• 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 to use from the moment the account is opened, before the physical card arrives

• Online Banking Features

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  Westpac App money-management tools: cash flow and spend insights, spend categories, Cards Hub for ordering/locking cards and changing PIN, and Quick Balance

• No Additional Cardholder Fee

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  Add 1 additional cardholder (16 years or older) at no extra cost

• Interest Free Periods

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  Up to 45 interest-free days on purchases when the closing balance is paid in full by the due date; cash advances excluded

• Buy Now Pay Later

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  PartPay Card lets eligible purchases be paid in instalments; subject to PartPay Card terms and conditions

• Installment Plans

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  SmartPlan lets eligible balances be paid down in fixed instalment plans

• Balance Transfer Offers

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  Balance Transfers available to move balances from other cards; terms apply

• Travel Insurance

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  Complimentary International Travel Insurance for trips up to 6 months for Level 1 Card holders when at least $500 of prepaid travel costs are charged to the card and a return overseas ticket is held; most sections (overseas emergency medical, evacuation, cancellation) are unlimited. Also includes Interstate Flight Inconvenience Insurance for domestic flights paid to the card

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• Purchase Protection Insurance

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  Eligible items charged to the card covered against loss, theft or damage for up to 4 months, up to $10,000 per item ($3,500 for jewellery, watches and new works of art); $300 excess per claim

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• Extended Warranty Insurance

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  Up to 24 months extended warranty cover (in addition to the manufacturer's Australian warranty) on eligible items charged to the card, up to $20,000 per covered product; $300 excess per claim

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• Rental Vehicle Insurance

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  Rental vehicle excess cover in Australia up to the amount in the rental agreement or $5,500 (whichever is lesser) when the rental is charged to the card; $300 excess per claim

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• Transit Accident Insurance

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  Overseas Transit Accident Insurance covers specified accidental death or injury sustained overseas as a passenger on a plane, bus, train or short-haul ferry when the entire trip tickets are charged to the card before departure

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Benefit history

• Travel InsuranceUpdated May 2026
• Interest Free PeriodsUpdated May 2026
• Digital Card IssuanceUpdated May 2026
• Digital Wallet IntegrationUpdated 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