Westpac Altitude Rewards Black (Reduced first year annual fee for Westpac Customers)
$99 first year annual fee
120,000 points
$6,000 min limit
$75,000 annual income required
2.00 points per dollar
Spend $6,000 in 120 days
OzBargain discussion for this card
Summary
Low Fee
Key Highlights
- • 120,000 bonus points
- • $99 annual fee
- • 2.00x points per $1
Offer Details
Signup Bonus
120,000 points
Westpac
Minimum Spend
$6,000
within 4 months
Ongoing Earn Rate
2.00x points per $1 spent
Second Year Bonus
40,000 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
Earn Rate
Excellent
●●●●2.00x 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)
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 132,000 bonus points for:
History
23/09/2025
5 changes
Successfully Scraped At:
23/09/202517/10/2025
Lounge Pass:
2 complimentary Priority Pass airport lounge passes each year, one of which you ...2 complimentary Priority Pass lounge visits per year (one visit may be used by a...
Bonus:
130,000120,000
Second Year Bonus:
50,00040,000
Points Per Dollar:
1.252
26/06/2025
2 changes
Successfully Scraped At:
23/09/2025
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 31/07/242 years ago
- Expiration changed from 01/11/23 to 30/04/24, Bonus from 140k to 100k2 years ago
- Second year annual fee increased from $250 to $2952 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.html2 years ago
- Annual fee increased from $49 to $993 years ago
- Offer extended from 30/06/22 to 31/12/223 years ago
- Bonus reduced from 180,000 to 140,000.4 years ago
