Image of Westpac Altitude Rewards Black (Reduced first year annual fee for Westpac Customers) credit card

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

$99 first year annual fee
130,000 points
$6,000 min limit
$75,000 annual income required
1.25 points per dollar
Spend $6,000 in 120 days

    OzBargain discussion for this card

    Summary

    Low Fee

    Key Highlights

    • 130,000 bonus points
    • $99 annual fee
    • 1.25x points per $1

    Offer Details

    Signup Bonus

    130,000 points

    Westpac

    Minimum Spend

    $6,000

    within 4 months

    Ongoing Earn Rate

    1.25x points per $1 spent

    Second Year Bonus

    50,000 points

    With $295 annual fee

    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.

    Benefits

    Travel Insurance
    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. Coverage provided by Allianz Global Assistance.
    Rental Vehicle Insurance
    Rental Vehicle Excess cover in Australia included as part of complimentary insurances.
    Extended Warranty Insurance
    Up to 24 months extended warranty insurance cover in addition to the manufacturer's expressed Australian warranty on eligible purchases made with the card.
    Purchase Protection Insurance
    Up to 4 months purchase protection insurance on eligible purchases made with the card.
    Transit Accident Insurance
    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 using the card.
    Lounge Access
    2 complimentary Priority Pass airport lounge visits per year, one visit may be shared with a travel companion. Requires enrolment at prioritypass.com/westpacblack. Additional visits incur fees. Also, 2 Qantas Club Complimentary Invitations per year for Qantas Club and Qantas operated International Business Lounges (excluding some lounges) upon registration and eligible spend. Plus, 2 Virgin Australia Domestic Lounge Passes per year for Altitude Velocity Black cardholders with eligible spend and registration.
    No Additional Cardholder Fee
    Add 1 additional cardholder aged 16 or older at no extra cost.
    No Annual Fee
    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
    Foreign transaction fee of 3% applies on foreign currency transactions or transactions processed overseas.
    Concierge Service
    Personal Concierge Service available exclusively to Altitude Black cardholders, providing 24/7 assistance for booking experiences, tickets, and restaurant reservations via westpac.tenconcierge.com or phone.
    Buy Now Pay Later
    PartPay feature allows splitting purchases into 4 payments over 6 weeks.
    Digital Wallet Integration
    Card can be added to Apple Pay, Samsung Pay, and Google Pay digital wallets.
    Digital Card Issuance
    Instant Digital Card available from account opening, before physical card arrives.

    Expert Analysis

    Bonus Difficulty

    Easy

    ●○○

    $50 per day required

    First Year Cost

    $99

    annual fee

    Estimated Bonus Value

    $871

    Based on 1.9¢ per KrisFlyer mile

    Earn Rate

    Average

    ●●○○

    1.25x Westpac points per $1

    Travel Benefits

    Lounge Access

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

    RWRDS Insight

    This analysis is generated using RWRDS algorithms based on current market data, bonus structures, and fee schedules. Values are estimates and actual results may vary. Consider your spending patterns and reward preferences when evaluating offers.

    I'd like to use my 137,500 bonus points for:

    45,833 Krisflyer miles
    0.42 miles per dollar
    Points transfer 3 Westpac points 1 Krisflyer miles

    History
    26/06/2025
    2 changes
    Successfully Scraped At:
    30/08/2025
    Program Fee:
    $0
    09/06/2025
    1 changes
    Minimum Credit Limit:
    15,0006,000
    26/03/2025
    2 changes
    Expiration Date:
    25/03/2025
    Bonus:
    100,000130,000
    19/03/2025
    2 changes
    Expiration Date:
    30/04/202525/03/2025
    Program Fee:
    $0
    25/01/2025
    3 changes
    Lounge Pass:
    2 complimentary Priority Pass airport lounge passes each year, one of which you ...
    Expiration Date:
    30/04/202530/04/2025
    Interest Rate:
    2020.99
    • Expiration changed from 30/04/24 to 31/07/24
      a year ago
    • Expiration changed from 01/11/23 to 30/04/24, Bonus from 140k to 100k
      2 years ago
    • Second year annual fee increased from $250 to $295
      2 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
      2 years ago
    • Annual fee increased from $49 to $99
      3 years ago
    • Offer extended from 30/06/22 to 31/12/22
      3 years ago
    • Bonus reduced from 180,000 to 140,000.
      3 years ago
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    Hey all! Hope you are enjoying the site.

    If something out of date or I've missed a card, let me know on instagram or facebook and I'll get it updated ASAP.

    You can also check out my other sites for half price groceries on amazon and finding qantas business reward flights


    Craig