Westpac Altitude Rewards Black
Offer Details
First Year Points
100,000 points
Westpac
Second Year Points
100,000 points
With $295 annual fee
Minimum Spend
$12,000
within 12 months
Ongoing Earn Rate
1.00x points per $1 spent
Fees
First Year Annual Fee
$200
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
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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
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Rental Vehicle Excess cover in Australia included as part of complimentary insurances.
- Extended Warranty Insurance
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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
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Up to 4 months purchase protection insurance on eligible purchases made with the card.
- Transit Accident Insurance
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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
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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
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Add 1 additional cardholder aged 16 or older at no extra cost.
- No Annual Fee
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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
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Foreign transaction fee of 3% applies on foreign currency transactions or transactions processed overseas.
- Concierge Service
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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
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PartPay feature allows splitting purchases into 4 payments over 6 weeks.
- Digital Wallet Integration
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Card can be added to Apple Pay, Samsung Pay, and Google Pay digital wallets.
- Digital Card Issuance
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Instant Digital Card available from account opening, before physical card arrives.
I'd like to use my bonus for:
Craig's AnalysisBonus Difficulty
Easy
●○○$33 per day required
First Year Cost
$200
annual fee
Earn Rate
Average
●●○○1.00x 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)
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