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

Snapshot 489 · Offer 2209 · Offer status now: ended

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Changes to the captured page text and terms, compared with snapshot 486 from 2025-10-30 10:55:29.000 UTC.

Removed text is marked −. Added text is marked +. Unchanged text can be expanded. This compares saved Markdown, including source links and terms. Images and known navigation are omitted from this comparison.

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[Skip to main content](#content) [Skip to main navigation](#main-nav) [Skip to access and inclusion page](https://www.westpac.com.au/web-accessibility) [Skip to search input](#search)

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[Skip to main content](#content) [Skip to main navigation](#main-nav) [Skip to access and inclusion page](https://www.westpac.com.au/web-accessibility/) [Skip to search input](#search)

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* [ Rewards credit cards](https://www.westpac.com.au/personal-banking/credit-cards/reward)
* Altitude Black

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* [ Rewards credit cards](https://www.westpac.com.au/personal-banking/credit-cards/reward/)
* Altitude Qantas Black

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# Altitude Black Card

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# Altitude Qantas Black

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Our premier credit card offers the highest earn rate for rewards points. Enjoy exclusive extras like lounge passes, travel insurance and concierge support.

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Our premier Qantas credit card gets you a high Qantas Points earn rate as well as complimentary airport lounge access, insurances and concierge.

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##   
 Why choose an Altitude Black card?

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Apply now 
* [Already with Westpac ](https://www.ui.westpac.com.au/origin/etb0/content/secure-pers/credit-cards/qantas-rewards/altitude-qantas-black/summary "Already with Westpac")
* [Not yet with Westpac](https://www.westpac.com.au/personal-banking/credit-cards/reward/altitude-qantas-black/summary/ "Not yet with Westpac")

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 20.99% p.a. purchase rate

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Apply now 
* [Already with Westpac](https://www.cmsservices.westpac.com.au/app/banking/deeplink?screenId=externalRedirectorWithParams¶m0=contentspa¶m1=secure-pers%28%5F$%29credit-cards%28%5F$%29qantas-rewards%28%5F$%29altitude-qantas-black%28%5F$%29summary&targetpath=https%3A%2F%2Fwww.ui.westpac.com.au%2Forigin%2Fetb0%2Fcontent%2Fsecure-pers%2Fcredit-cards%2Fqantas-rewards%2Faltitude-qantas-black%2Fsummary "Already with Westpac")
* [Not yet with Westpac](https://www.westpac.com.au/personal-banking/credit-cards/reward/altitude-qantas-black/summary/ "Not yet with Westpac")

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 $6,000 minimum credit limit

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[](#)

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 45 days interest-free on purchases

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##  Get up to 150,000 bonus Qantas Points\~

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## Choose your Altitude Rewards Program

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Star1 Already with Westpac? Sign in to apply for a $200< card fee for the first year (reverts to $295 p.a. thereafter).

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Redeem points for gift cards, products, cashback and more. You can pay with the accumulated points or transfer points to our frequent flyer partner airlines.

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**Get up to 150,000 bonus Qantas Points** — **90,000** Qantas Points in year 1 if you spend $6k+ on eligible purchases within 120 days of new card approval and an extra **60,000** points with $6k+ spend on eligible purchases within 120 days of card anniversary in year 2.

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### Altitude Rewards

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Offer not available if you’ve held an Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas or Velocity in the last 24 months. New cards only. T&Cs apply.

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Star1 Special offer

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Close 

Close

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Earn up to 160,000 bonus Altitude Points . Plus, $0 foreign transaction fees for the first 12 months from card approval and a $200 first year card fee (reverts to $295 p.a. thereafter) .**Already with Westpac?** Sign in to apply for a $99first year card fee .  
  
**Card features:**

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[ Already with Westpac? Sign in to apply](https://www.ui.westpac.com.au/origin/etb0/content/secure-pers/credit-cards/qantas-rewards/altitude-qantas-black/summary) [ Already with Westpac? Sign in to apply](https://www.cmsservices.westpac.com.au/app/banking/deeplink?screenId=externalRedirectorWithParams¶m0=contentspa¶m1=secure-pers%28%5F$%29credit-cards%28%5F$%29qantas-rewards%28%5F$%29altitude-qantas-black%28%5F$%29summary&targetpath=https%3A%2F%2Fwww.ui.westpac.com.au%2Forigin%2Fetb0%2Fcontent%2Fsecure-pers%2Fcredit-cards%2Fqantas-rewards%2Faltitude-qantas-black%2Fsummary) [ Not yet with us? Apply here](https://www.westpac.com.au/personal-banking/credit-cards/reward/altitude-qantas-black/summary/) [ Not yet with us? Apply here](https://www.westpac.com.au/personal-banking/credit-cards/reward/altitude-qantas-black/summary/)

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* $0 Annual Rewards Program Fee
* 3 Altitude points per $1 on international spend
* 2 Altitude points per $1 on everyday spend
* 1 Altitude point per $1 spend on all other purchases

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## At a glance

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Once you spend $10,000 in a statement cycle, you will earn 0.5 Altitude points per $1 on further eligible purchases.

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| **$295**         | Annual card fee                                   |
| ---------------- | ------------------------------------------------- |
| **$75**          | Annual Altitude Qantas Rewards Program fee        |
| **20.99% p.a.**  | Variable purchase rate                            |
| **21.99% p.a.**  | Variable cash advance rate                        |
| **$6,000**       | Minimum credit limit                              |
| **$75,000 p.a.** | Minimum income required                           |
| **1.2**          | Qantas Points per $1 on international spend       |
| **0.8**          | Qantas Points per $1 on everyday spend            |
| **0.5**          | Qantas Points per $1 spend on all other purchases |

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**Plus extra benefits**

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Once you spend $10,000 in a statement cycle, you will earn 0.25 Qantas Points per $1 on further eligible purchases.

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* Pay with points
* Westpac bonus Cashback on ShopBack
* Complimentary insurances
* Complimentary lounge passes
* Personal concierge service

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See below for standard rates and fees.

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Apply now 
* [Already with us? Sign in to apply ](https://www.ui.westpac.com.au/origin/etb0/content/secure-pers/credit-cards/altitude-rewards/altitude-rewards-black/summary "Already with us? Sign in to apply")
* [Not yet with us? Apply here](https://www.westpac.com.au/personal-banking/credit-cards/reward/altitude-black/summary "Not yet with us? Apply here")

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### What kind of businesses are included in the new ‘everyday spend’ category?

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Apply now 
* [Already with us? Sign in to apply](https://www.cmsservices.westpac.com.au/app/banking/deeplink?screenId=externalRedirectorWithParams¶m0=contentspa¶m1=secure-pers%28%5F$%29credit-cards%28%5F$%29altitude-rewards%28%5F$%29altitude-rewards-black%28%5F$%29summary&targetpath=https%3A%2F%2Fwww.ui.westpac.com.au%2Forigin%2Fetb0%2Fcontent%2Fsecure-pers%2Fcredit-cards%2Faltitude-rewards%2Faltitude-rewards-black%2Fsummary "Already with us? Sign in to apply")
* [Not yet with us? Apply here](https://www.westpac.com.au/personal-banking/credit-cards/reward/altitude-black/summary "Not yet with us? Apply here")

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Our 'everyday spend' category consists of 5 sub-categories: supermarkets, department stores, petrol stations, dining and utilities. Below is a list of examples of merchants included in these 5 categories:

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### Altitude Qantas

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* **Supermarkets** include stores such as Woolworths, Coles, IGA, Harris Farm and ALDI
* **Department stores** include stores such as Kmart, Target, Big W, David Jones and Myer
* **Petrol stations** include stores such as 7-Eleven, Shell, Ampol, Caltex and BP
* **Dining** includes restaurants, cafes, fast food, bars, hotels and entertainment venues
* **Utilities** include payments for water, gas, electricity, internet, mobile and streaming services (excluding BPAY® payments).

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Star1 Special offer

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## Why choose Altitude Qantas Black?

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Close

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###  'Double dip' for more Qantas Points

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Close

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Whether you are purchasing groceries or stocking up on Qantas Wine, you can earn points twice when you use your Qantas Points earning credit card to do your shopping with Qantas and their partners.

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Earn up to 120,000 bonus Qantas Points ,**Already with Westpac?**  Sign in to apply for a $150 first year card fee (reverts to $295 p.a. thereafter) . A $75 annual Qantas Rewards Program fee still applies.  
  
**Card features:**

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###  Complimentary Insurances

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* 1.2 Qantas Points per $1 on international spend
* 0.8 Qantas Points per $1 on everyday spend
* 0.5 Qantas Points per $1 spend on all other purchases
* Earn Qantas Points twice with program partners

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 Access to Interstate Flight Inconvenience Insurance and Rental Vehicle Excess in Australia cover, up to 6 months' complimentary cover for international travel insurance, plus extended warranty, purchase protection for up to 4 months and overseas transit accident insurance. (terms, conditions, exclusions and eligibility criteria apply).

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Once you spend $10,000 in a statement cycle, you will earn 0.25 Qantas Points per $1 on further eligible purchases.

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###  Complimentary Lounge passes

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**Plus extra benefits**

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Relax before you fly with 2 complimentary Qantas Club airport lounge passes each year. See FAQs for how to redeem.

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* Double Dip with Qantas partners
* Westpac bonus Cashback on ShopBack
* Complimentary insurances
* Complimentary lounge passes
* Personal concierge service

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## Other features and benefits

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Apply now 
* [Already with us? Sign in to apply ](https://www.ui.westpac.com.au/origin/etb0/content/secure-pers/credit-cards/qantas-rewards/altitude-qantas-black/summary "Already with us? Sign in to apply")
* [Not yet with us? Apply here](https://www.westpac.com.au/personal-banking/credit-cards/reward/altitude-qantas-black/summary "Not yet with us? Apply here")

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[Up to 45 days interest-free](#tab1)

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Apply now 
* [Already with us? Sign in to apply](https://www.cmsservices.westpac.com.au/app/banking/deeplink?screenId=externalRedirectorWithParams¶m0=contentspa¶m1=secure-pers%28%5F$%29credit-cards%28%5F$%29qantas-rewards%28%5F$%29altitude-qantas-black%28%5F$%29summary&targetpath=https%3A%2F%2Fwww.ui.westpac.com.au%2Forigin%2Fetb0%2Fcontent%2Fsecure-pers%2Fcredit-cards%2Fqantas-rewards%2Faltitude-qantas-black%2Fsummary "Already with us? Sign in to apply")
* [Not yet with us? Apply here](https://www.westpac.com.au/personal-banking/credit-cards/reward/altitude-qantas-black/summary "Not yet with us? Apply here")

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To give you more opportunity to avoid interest charges on your purchases. Note cash advances aren’t covered by this interest-free period.

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### Altitude Velocity

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[No card? No problem ](#tab2)

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Star1 Special offer

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On top of Apple Pay, Samsung Pay and Google Pay, you can use our Instant Digital Card from the moment your account is opened. No need to wait for a physical card.

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Close

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[Additional cardholder](#tab3)

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Close

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

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Earn up to 120,000 bonus Velocity Points .**Already with Westpac?** Sign in to apply for a $150 first year card fee (reverts to $295 p.a. thereafter) . A $75 annual Velocity Rewards Program fee still applies.  
  
**Card features:**

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[Fraud protection](#tab4)

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* 1.2 Velocity points per $1 on international spend
* 0.8 Velocity points per $1 on everyday spend
* 0.5 Velocity points per $1 spend on all other purchases

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 From verifying unusual transactions to our fraud money back guarantee, we aim to keep you [protected](https://www.westpac.com.au/security/westpac-protect-centre/).

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Once you spend $10,000 in a statement cycle, you will earn 0.25 Velocity points per $1 on further eligible purchases.

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[Tools to stay on top](#tab5)

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**Plus extra benefits**

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These include options like [PartPay](https://www.westpac.com.au/personal-banking/credit-cards/partpay/), [SmartPlan](https://www.westpac.com.au/personal-banking/credit-cards/smartplan/), [Balance Transfers](https://www.westpac.com.au/personal-banking/solutions/staying-credit-smart/using-balance-transfers/how-to-do-a-balance-transfer/), [Card Autopay](https://www.westpac.com.au/personal-banking/online-banking/making-the-most/card-autopay/) and [SMS payment reminders](https://www.westpac.com.au/faq/credit-card-reminder-set-up-app/).

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* Economy X Seat upgrade
* Westpac bonus Cashback on ShopBack
* Complimentary insurances
* Complimentary lounge passes
* Personal concierge service

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[Personal Concierge Service](#tab6)

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Apply now 
* [Already with us? Sign in to apply ](https://www.ui.westpac.com.au/origin/etb0/content/secure-pers/credit-cards/velocity-rewards/altitude-velocity-black/summary "Already with us? Sign in to apply")
* [Not yet with us? Apply here](https://www.westpac.com.au/personal-banking/credit-cards/reward/altitude-velocity-black/summary "Not yet with us? Apply here")

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Exclusive to Westpac Altitude Black cardholders, the Personal Concierge Service lets you browse and book experiences online, including hard-to-get tickets, last-minute restaurant bookings and more.

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Apply now 
* [Already with us? Sign in to apply](https://www.cmsservices.westpac.com.au/app/banking/deeplink?screenId=externalRedirectorWithParams¶m0=contentspa¶m1=secure-pers%28%5F$%29credit-cards%28%5F$%29velocity-rewards%28%5F$%29altitude-velocity-black%28%5F$%29summary&targetpath=https%3A%2F%2Fwww.ui.westpac.com.au%2Forigin%2Fetb0%2Fcontent%2Fsecure-pers%2Fcredit-cards%2Fvelocity-rewards%2Faltitude-velocity-black%2Fsummary "Already with us? Sign in to apply")
* [Not yet with us? Apply here](https://www.westpac.com.au/personal-banking/credit-cards/reward/altitude-velocity-black/summary "Not yet with us? Apply here")

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[Find out more](https://westpac.tenconcierge.com/)

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### What kind of businesses are included in the new ‘everyday spend’ category?

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[Cashback and discounts](#tab7)

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Our 'everyday spend' category consists of 5 sub-categories: supermarkets, department stores, petrol stations, dining and utilities. Below is a list of examples of merchants included in these 5 categories:

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With a Westpac credit card, you'll get personalised cashback offers from [Westpac Extras](https://www.westpac.com.au/personal-banking/credit-cards/westpac-extras/), Westpac bonus Cashback when you shop via the [Westpac Lounge](https://www.westpac.com.au/personal-banking/online-banking/making-the-most/rewards-and-offers/offers/shopback/) on ShopBack, plus other discounts and offers from a wide range of shops, in-store and online.

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* **Supermarkets** include stores such as Woolworths, Coles, IGA, Harris Farm and ALDI
* **Department stores** include stores such as Kmart, Target, Big W, David Jones and Myer
* **Petrol stations** include stores such as 7-Eleven, Shell, Ampol, Caltex and BP
* **Dining** includes restaurants, cafes, fast food, bars, hotels and entertainment venues
* **Utilities** include payments for water, gas, electricity, internet, mobile and streaming services (excluding BPAY® payments).

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## Take control of your money within the Westpac App

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## Westpac credit card features

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Powerful money management tools in the palm of your hand.

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##### Westpac Rewards

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##### Get spend and cash flow insights

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Get exclusive deals, discounts and cashback when shopping with your credit card accessible via the Westpac App.

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Track your month-to-month [Cash flow](https://www.westpac.com.au/personal-banking/online-banking/insights-hub/spend-insights-and-budgeting-tools/) and spot areas where you could be making savings with your spend sorted in [Categories](https://www.westpac.com.au/personal-banking/online-banking/insights-hub/spend-insights-and-budgeting-tools/).

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##### Split your purchases

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##### Manage your cards in one place

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Split your purchases over $100 into 4 payments over 6 weeks with the [PartPay](https://www.westpac.com.au/personal-banking/credit-cards/partpay) feature on your credit card.

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Order a new card, change your pin or temporarily lock your card if you misplace it, all in the app's convenient [Cards Hub](https://www.westpac.com.au/personal-banking/online-banking/making-the-most/cards-hub/).

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##### We've got your back

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##### View and transfer funds fast

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Use the [Dynamic CVC](https://www.westpac.com.au/personal-banking/mobile-wallets/digital-card) on your digital card. The 3-digit number changes every 24 hours for added fraud protection.

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[Quick Balance](https://www.westpac.com.au/personal-banking/online-banking/making-the-most/quick-balance/) lets you view the balance of three main accounts and quickly transfer money without signing in.

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##### #1 Banking App

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[ Explore our in-app's budgeting tools](https://www.westpac.com.au/personal-banking/online-banking/insights-hub/spend-insights-and-budgeting-tools) [ Explore our in-app's budgeting tools](https://www.westpac.com.au/personal-banking/online-banking/insights-hub/spend-insights-and-budgeting-tools)

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Manage your credit card in the [Westpac App](https://www.westpac.com.au/personal-banking/online-banking/mobile-app)\*, with features to help you budget, save and stay on top of your finances.

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## Standard rates and fees

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## Rates, minimum requirements and fees

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 New cards only

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* [Rates](#tab1)
* [Minimum requirements](#tab2)
* [Fees](#tab3)

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[Follow these tips to minimise credit card fees and charges](https://www.westpac.com.au/personal-banking/credit-cards/manage/fees-interest/minimising-fees/).

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[Rates](#tab1)

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| Annual card fee            | $295                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |
| -------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| Annual Rewards Program fee | $75                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |
| Foreign transaction fee    | 3%  Payable as a percentage of the Australian dollar value of any foreign transaction.  Applies for transactions in a foreign currency, or in Australian dollars but processed by an overseas merchant or financial institution. Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia. [More about this fee](https://www.westpac.com.au/personal-banking/credit-cards/manage/fees-interest/minimising-fees/). |
| Cash advance fee           | 3% of the value of the transaction will apply to each cash advance made on your card account. These charges will appear on your credit card statement directly below the relevant cash advance.                                                                                                                                                                                                                                                                                      |
| Missed payment fee         | $15 each statement cycle that the minimum monthly payment is not paid by the statement due date.                                                                                                                                                                                                                                                                                                                                                                                     |

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| **20.99% p.a.** | Variable purchase rate     |
| --------------- | -------------------------- |
| **21.99% p.a.** | Variable cash advance rate |

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## Compare our Qantas Credit Cards

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[Minimum requirements](#tab2)

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Compare features such as annual card fees, points earn rates and minimum credit limits to help you decide which Qantas Rewards credit card is right for you.

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| **$6,000**       | Minimum credit limit    |
| ---------------- | ----------------------- |
| **$75,000 p.a.** | Minimum income required |

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[Compare our Qantas Rewards Credit Cards](https://www.westpac.com.au/personal-banking/credit-cards/qantas-credit-cards/)

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[Fees](#tab3)

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[](https://www.westpac.com.au/personal-banking/credit-cards/reward/)

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| **Annual card fee**                                   | $295                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |
| ----------------------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Annual Rewards Program fee for Qantas or Velocity** | $75                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |
| **Foreign transaction fee**                           | 3% Payable as a percentage of the Australian dollar value of any foreign transaction. Applies for transactions in a foreign currency, or in Australian dollars but processed by an overseas merchant or financial institution. Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia. [More about this fee](https://www.westpac.com.au/personal-banking/credit-cards/manage/fees-interest/minimising-fees). |
| **Cash advance fee**                                  | 3% of the value of the transaction will apply to each cash advance made on your card account. These charges will appear on your credit card statement directly below the relevant cash advance.                                                                                                                                                                                                                                                                                   |
| **Missed payment fee**                                | $15 each statement cycle that the minimum monthly payment is not paid by the statement due date.                                                                                                                                                                                                                                                                                                                                                                                  |

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[View all Rewards cards](https://www.westpac.com.au/personal-banking/credit-cards/reward/)

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[Follow these tips to minimise credit card fees and charges](https://www.westpac.com.au/personal-banking/credit-cards/manage/fees-interest/minimising-fees).

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[](https://www.westpac.com.au/personal-banking/credit-cards/low-fee/)

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## Looking for something else?

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[View Low Fee cards](https://www.westpac.com.au/personal-banking/credit-cards/low-fee/)

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Our platinum credit card has a lower annual fee and the ability to earn points. Enjoy travel related benefits designed to make your journey safe and convenient.

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[](https://www.westpac.com.au/personal-banking/credit-cards/)

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[Altitude Platinum card](https://www.westpac.com.au/personal-banking/credit-cards/reward/altitude-platinum)

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[View all credit cards](https://www.westpac.com.au/personal-banking/credit-cards/)

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## Frequently asked questions

[How do I register for the complimentary lounge passes?](#tab1)

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##### Priority Pass Lounge

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##### Qantas Club Complimentary Invitations

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If you choose Altitude Rewards you can register your Altitude Black Mastercard to receive 2 complimentary lounge visits per year to use at more than 1000 VIP airport lounges worldwide.

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If you choose Altitude Qantas, you are eligible for 2 Complimentary Invitations per year after you spend on eligible selected Qantas products and services each year using your Altitude Black Mastercard. You must first register and opt in to take advantage of this feature.

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[Register your card at prioritypass.com/westpacblack](https://www.prioritypass.com/westpacblack)

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[Register and opt in](https://loungepass.altitudeblack.com.au/default.aspx?appAction=exit)

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[How does the Complimentary International Travel Insurance work and am I eligible for it?](#tab2)

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You can obtain written confirmation of eligibility for cover for your overseas journey from the issuer of the insurance, AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited, based on the answers you give AGA, by applying online at:[checkyourcover.com.au/westpac](https://travel.agaassistance.com.au/westpac/travel-insurance). If you provide AGA with incorrect answers to the questions we ask you, you may not be eligible for cover under the group policy issued to Westpac.

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You can obtain written confirmation of eligibility for cover for your overseas journey from the issuer of the insurance, AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited, based on the answers you give AGA, by applying online at: [checkyourcover.com.au/westpac](https://travel.agaassistance.com.au/westpac/travel-insurance). If you provide AGA with incorrect answers to the questions we ask you, you may not be eligible for cover under the group policy issued to Westpac.

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[What do the complimentary insurances cover?](#tab3) 

##### International Travel Insurance(see policy for details)

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Access to up to 6 months' complimentary cover for International Travel Insurance when you meet the eligibility criteria as set out in the Credit Card Complimentary Insurance Policy including prepaying $500 of your travel costs to your eligible card and holding a return overseas ticket before departing Australia, (see policy document for full eligibility criteria, terms, conditions, and exclusions).

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 Access to up to 6 months' complimentary cover for International Travel Insurance when you meet the eligibility criteria as set out in the Credit Card Complimentary Insurance Policy including prepaying $500 of your travel costs to your eligible card and holding a return overseas ticket before departing Australia, (see policy document for full eligibility criteria, terms, conditions, and exclusions).

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##### Overseas Transit Accident Insurance

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Overseas Transit Accident Insurance covers against specified accidental death or injury when sustained overseas while riding, boarding or alighting as a passenger in a plane, bus, train or shorthaul ferry when you have purchased the tickets for the entire trip using your Credit Card before you leave (terms, conditions, exclusions and eligibility criteria apply).

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 Overseas Transit Accident Insurance covers against specified accidental death or injury when sustained overseas while riding, boarding or alighting as a passenger in a plane, bus, train or shorthaul ferry when you have purchased the tickets for the entire trip using your Credit Card before you leave (terms, conditions, exclusions and eligibility criteria apply).

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##### Purchase Protection Insurance

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Access to up to 4 months Purchase Protection Insurance on eligible purchases, as set out in the Credit Card Complimentary Insurance Policy (terms, conditions, exclusions and eligibility criteria apply).

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 Access to up to 4 months Purchase Protection Insurance on eligible purchases, as set out in the Credit Card Complimentary Insurance Policy (terms, conditions, exclusions and eligibility criteria apply).

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##### Extended Warranty Insurance

Up to 24 months extended warranty insurance cover (in addition to the manufacturer's expressed Australian warranty) on a range of personal items purchased using your Credit Card (terms, conditions, exclusions and eligibility criteria apply).

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[What is the Personal Concierge Service and how does it benefit me?](#tab4)

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[What is the personal concierge and how does it benefit me?](#tab4)

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We've recently partnered with Ten Lifestyle Services. Westpac Altitude Black cardholders will now be able to browse and book experiences with ease, purchase hard-to-get tickets, make last-minute restaurant reservations and more, all online. You can [find out more here](https://westpac.tenconcierge.com/), or reach our Lifestyle Managers on [1300 651 999](tel:1300651999) (option 4) for 24/7 personalised assistance.

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[How do I access my Economy X Seat Upgrades?](#tab5) 

When you choose Altitude Velocity rewards you can also enjoy 2 Economy X seat upgrades a year, on selected domestic Virgin Australia flights. To receive the upgrades, simply provide us with your Velocity Frequent Flyer number and make a direct spend at Virgin Australia on your Altitude Black Mastercard. Vouchers will then be available in your Velocity Frequent Flyer account within 10 business days.

To redeem your Economy X Seat Upgrade vouchers you must first book an eligible domestic flight directly with Virgin Australia. Once you have booked an eligible domestic flight with Virgin Australia, you will need to call the Virgin Australia Guest Contact Centre on [1300 038 373](tel:1300038373) to redeem your Economy X Seat Upgrade vouchers.

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## Keep exploring

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### Credit card 101

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###  Credit card 101

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* [Understanding credit cards](https://www.westpac.com.au/personal-banking/solutions/staying-credit-smart/understanding-credit-cards)
* [Platinum or Premium rewards credit cards?](https://www.westpac.com.au/personal-banking/solutions/staying-credit-smart/earning-rewards/platinum-or-premium-rewards-credit-cards)
* [How to compare rewards credit cards](https://www.westpac.com.au/personal-banking/solutions/staying-credit-smart/earning-rewards/how-to-compare-rewards-credit-cards)
* [Managing credit card debt](https://www.westpac.com.au/personal-banking/credit-cards/debt)

+ Added

* [Understanding credit cards](https://www.westpac.com.au/personal-banking/solutions/staying-credit-smart/understanding-credit-cards/)
* [Platinum or Premium rewards credit cards?](https://www.westpac.com.au/personal-banking/solutions/staying-credit-smart/earning-rewards/platinum-or-premium-rewards-credit-cards/)
* [How to compare rewards credit cards](https://www.westpac.com.au/personal-banking/solutions/staying-credit-smart/earning-rewards/how-to-compare-rewards-credit-cards/)
* [Managing credit card debt](https://www.westpac.com.au/personal-banking/credit-cards/debt/)

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### Travel and rewards

+ Added

###  Travel and rewards

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* [Travel rewards credit card benefits](https://www.westpac.com.au/personal-banking/solutions/staying-credit-smart/earning-rewards/rewards-cards-benefits-travel)
* [Tips when planning travel](https://www.westpac.com.au/personal-banking/solutions/travel-holidays/planning-travel)
* [Which credit card for travel?](https://www.westpac.com.au/personal-banking/credit-cards/explore/choosing-a-credit-card-for-travel)
* [Travelling overseas?](https://www.westpac.com.au/personal-banking/credit-cards/manage/travelling-overseas-insurance)

+ Added

* [Travel rewards credit card benefits](https://www.westpac.com.au/personal-banking/solutions/staying-credit-smart/earning-rewards/rewards-cards-benefits-travel/)
* [Tips when planning travel](https://www.westpac.com.au/personal-banking/solutions/travel-holidays/planning-travel/)
* [Which credit card for travel?](https://www.westpac.com.au/personal-banking/credit-cards/explore/choosing-a-credit-card-for-travel/)
* [Travelling overseas?](https://www.westpac.com.au/personal-banking/credit-cards/manage/travelling-overseas-insurance/)

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### Handy articles and guides

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###  Handy articles and guides

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* [What is credit card purchase protection and extended warranty?](https://www.westpac.com.au/personal-banking/solutions/staying-credit-smart/earning-rewards/credit-card-purchase-protection-and-extended-warranty)
* [How to get the most of your rewards card](https://www.westpac.com.au/personal-banking/solutions/staying-credit-smart/earning-rewards/how-to-get-the-most-of-your-rewards-credit-card)
* [Smart ways to redeem Altitude Points](https://www.westpac.com.au/personal-banking/credit-cards/explore/redeem-altitude-points)
* [What is the concierge service on a credit card?](https://www.westpac.com.au/personal-banking/solutions/staying-credit-smart/earning-rewards/what-is-credit-card-concierge)

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* [What is credit card purchase protection and extended warranty?](https://www.westpac.com.au/personal-banking/solutions/staying-credit-smart/earning-rewards/credit-card-purchase-protection-and-extended-warranty/)
* [How to get the most of your rewards card](https://www.westpac.com.au/personal-banking/solutions/staying-credit-smart/earning-rewards/how-to-get-the-most-of-your-rewards-credit-card/)
* [Smart ways to redeem Altitude Points](https://www.westpac.com.au/personal-banking/credit-cards/explore/redeem-altitude-points/)
* [What is the concierge service on a credit card?](https://www.westpac.com.au/personal-banking/solutions/staying-credit-smart/earning-rewards/what-is-credit-card-concierge/)

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Credit Card

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Edit

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### Compare credit cards

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### Get started

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Compare our credit cards by looking at credit limits, interest rates, fees, interest free days and more.

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Apply online

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[Compare credit cards](https://www.westpac.com.au/personal-banking/credit-cards/compare-credit-cards) [Compare credit cards](https://www.westpac.com.au/personal-banking/credit-cards/compare-credit-cards)

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Apply now Apply now 
* [Already with Westpac ](https://www.ui.westpac.com.au/origin/etb0/content/secure-pers/credit-cards/qantas-rewards/altitude-qantas-black/summary "Already with Westpac") [Already with Westpac](https://www.cmsservices.westpac.com.au/app/banking/deeplink?screenId=externalRedirectorWithParams¶m0=contentspa¶m1=secure-pers%28%5F$%29credit-cards%28%5F$%29qantas-rewards%28%5F$%29altitude-qantas-black%28%5F$%29summary&targetpath=https%3A%2F%2Fwww.ui.westpac.com.au%2Forigin%2Fetb0%2Fcontent%2Fsecure-pers%2Fcredit-cards%2Fqantas-rewards%2Faltitude-qantas-black%2Fsummary "Already with Westpac")
* [Not yet with Westpac](https://www.westpac.com.au/personal-banking/credit-cards/reward/altitude-qantas-black/summary/ "Not yet with Westpac") [Not yet with Westpac](https://www.westpac.com.au/personal-banking/credit-cards/reward/altitude-qantas-black/summary/ "Not yet with Westpac")

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Telephone 

###### Give us a call

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[Contact us](https://www.westpac.com.au/contact-us/?fid=GL:GPH:None:wbc:www:contact-us) [Contact us](https://www.westpac.com.au/contact-us/?fid=GL:GPH:None:wbc:www:contact-us)

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[ Contact us](https://www.westpac.com.au/contact-us/?fid=GL:GPH:None:wbc:www:contact-us) [ Contact us](https://www.westpac.com.au/contact-us/?fid=GL:GPH:None:wbc:www:contact-us)

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Search 

### Help me choose

Use the selector to find a card that's right for you.

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[Let’s begin](https://www.westpac.com.au/personal-banking/credit-cards/help-me-choose) [Let’s begin](https://www.westpac.com.au/personal-banking/credit-cards/help-me-choose)

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[ Let’s begin](https://www.westpac.com.au/personal-banking/credit-cards/help-me-choose/) [ Let’s begin](https://www.westpac.com.au/personal-banking/credit-cards/help-me-choose/)

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## Things you should know

[Westpac Credit Cards Key Facts Sheet](https://www.westpac.com.au/personal-banking/credit-cards/credit-cards-fact-sheet/)

[ Pdf File Credit Card Terms and Conditions (PDF 264KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-credit-card-terms-and-conditions.pdf)  

[ Pdf File Altitude Terms and Conditions (PDF 117KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-altitude-terms-and-conditions.pdf)

[ Pdf File Westpac Credit Cards Complimentary Insurance Policy (PDF 898KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC%5FConsumer%5FCredit%5FCard%5FComp%5FInsurance%5FAllianz.pdf)  

[ Pdf File PartPay Card Terms and Conditions (PDF 96KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/partpay%5Fcard%5Fterms%5Fand%5Fconditions.pdf)

[ Pdf File ID checklist to become a customer (PDF 657KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/new-customer-checklist/Checklist%5FIndividualCustomers.pdf)

Credit criteria, fees and charges apply. Credit Card Product Switches, upgrades or Westpac group staff are ineligible.

This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

**Be credit savvy:** Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.

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**^Bonus Altitude Points Promotion Altitude Black:** Offer commenced 27th August 2025\. To be eligible for bonus Altitude Reward Points, you must apply and be approved for a new Altitude Black Rewards credit card before the offer is withdrawn. You will receive an initial 120,000 bonus points if you spend $6k or more on eligible purchases within 120 days of card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria. You will receive an additional 40,000 bonus points if you keep your account open for more than 12 months and continue to use the card. These additional points will be credited to your points balance within 12 weeks, after the first eligible purchase is made in the second year of your card account being active. If you do not meet the minimum spend criteria within 120 days of card approval, you forfeit the initial 120,000 bonus points only. However, you are still eligible for the additional 40,000 bonus points in the second year if you continue to use your card. Existing Westpac customers who currently hold an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card, or who have held one in the last 24 months, are not eligible for this offer. Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account. Credit Card Product Switches, upgrades or Westpac group staff are ineligible for this offer. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

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**†Eligible purchases** do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account.

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**^^** **$0 Foreign Transaction Fee Offer:** Offer commenced 27th August 2025\. You must apply and be approved for a new Altitude Rewards Black card before the offer is withdrawn. The $0 foreign transaction fees offer for purchases you make overseas or online must be processed and charged to your account within the first 12 months of card approval to count towards the $0 foreign transaction fees offer criteria. For international cash advances, the cash advance fee will apply. Your account will be charged foreign transaction fees first, we will then refund the foreign transactions fees to your Altitude Rewards Black card within 90 days of the foreign transaction, provided you meet the offer criteria. To ensure you don't get charged interest on your account, please ensure you pay off the foreign transaction fees charged to your account in full by the due date each month as we will only credit the refund to your accounts within 90 days of meeting the $0 foreign transaction fees offer criteria. Your credit card account must be open in order to receive the refund. If your card is suspended or cancelled, the refund will not be applied. This refund does not form part of the account's minimum monthly repayment.

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**Rewards Points:** The earning and redemption of Altitude Points, Velocity Points and Qantas Points are subject to the [ Pdf File Altitude Terms and Conditions (PDF 117KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-altitude-terms-and-conditions.pdf). Purchases that are not eligible to earn Rewards Points are set out in the [ Pdf File Altitude Terms and Conditions (PDF 117KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-altitude-terms-and-conditions.pdf). You do not receive points if you have not paid the Minimum Payment Due in full and on time and in other circumstances. Points earnt for [ Pdf File PartPay (PDF 96KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/partpay%5Fcard%5Fterms%5Fand%5Fconditions.pdf) Purchases are based on the full value of the purchase, and not on each instalment amount. Qantas and Velocity Points earned during a statement cycle are added to your respective Points balance on a monthly basis.

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**Reduced First year Card Fee for Altitude Rewards Black:** Offer commenced 27th August 2025\. The discounted first year Card Fee of $200 is available when you apply and are approved for a new Altitude Rewards Black credit card before the offer is withdrawn. After the first year, the Card Fee reverts to $295 thereafter, and will be debited to your account annually on the 12-month anniversary of the Card Fee date. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

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The Westpac Extras program is subject to the [ Pdf File terms and conditions (PDF 370KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac%5Fextras%5Fterms%5Fand%5Fconditions.pdf) at [Westpac.com.au/extras](https://www.westpac.com.au/personal-banking/credit-cards/westpac-extras/). Offers will also be subject to their own terms and conditions.

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**Existing Customers Only - Reduced First year Card Fee for Altitude Rewards Black:** Offer commenced 27th August 2025\. The discounted first year Card Fee of $99 is available for existing Westpac customers when you apply and are approved for a new Altitude Rewards Black credit card before the offer is withdrawn. After the first year, the Card Fee reverts to $295 thereafter, and will be debited to your account annually on the 12-month anniversary of the Card Fee date. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

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**\~ Bonus Qantas or Velocity Points Promotion Altitude Black:** Offer commenced 27th November 2025\. To be eligible for bonus Qantas or Velocity Points, you must apply and be approved for a new Altitude Qantas Black or Altitude Velocity Black credit card before the offer is withdrawn. You will receive an initial 90,000 bonus points if you spend $6k or more on eligible purchases within 120 days of card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria. In your second year, spend a minimum of $6k on eligible purchases within 120 days of your card opened date anniversary, and you'll earn an additional 60,000 bonus points. These additional points will be credited to your points balance within 12 weeks of meeting the spend criteria. If you do not meet the minimum spend in the first year, you forfeit the bonus points for the first year only, however you are still eligible for bonus points in the subsequent year if you meet the minimum spend in the subsequent year during the promotional period. Existing Westpac customers who currently hold an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card, or who have held one in the last 24 months, are not eligible for this offer. Qantas or Velocity Points earned during a statement cycle are added to your Qantas or Velocity Points balance on a monthly basis. Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account. Credit Card Product Switches, upgrades or Westpac group staff are ineligible for this offer. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

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**<Existing Customers Only - Reduced First year Card Fee for Altitude Qantas Black and Altitude Velocity Black:** Offer commenced 26th March 2025\. The discounted first year Card Fee of $150 is available for existing Westpac customers when you apply and are approved for a new Altitude Black credit card before the offer is withdrawn. After the first year, the Card Fee reverts to $295 thereafter, and will be debited to your account annually on the 12-month anniversary of the Card Fee date. A $75 annual Rewards Program Fee still applies for Altitude Velocity and Altitude Qantas if you choose these programs. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

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**<Existing Customers Only - Reduced First year Card Fee for Altitude Qantas Black and Altitude Velocity Black:** Offer commenced 27th November 2025\. The discounted first year Card Fee of $200 is available for existing Westpac customers when you apply and are approved for a new Altitude Black credit card before the offer is withdrawn. After the first year, the Card Fee reverts to $295 thereafter, and will be debited to your account annually on the 12-month anniversary of the Card Fee date. A $75 annual Rewards Program Fee still applies for Altitude Velocity and Altitude Qantas if you choose these programs. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

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**\~ Bonus Qantas or Velocity Points Promotion Altitude Black:** Offer commenced 26th March 2025\. To be eligible for bonus Qantas or Velocity Points, you must apply and be approved for a new Altitude Qantas Black or Altitude Velocity Black credit card before the offer is withdrawn. You will receive an initial 90,000 bonus points if you spend $6k or more on eligible purchases within 120 days of card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria. You will receive an additional 30,000 bonus points if you keep your account open for more than 12 months and continue to use the card. These additional points will be credited to your points balance within 12 weeks, after the first eligible purchase is made in the second year of your card account being active. If you do not meet the minimum spend criteria within 120 days of card approval, you forfeit the initial 90,000 bonus points only. However, you are still eligible for the additional 30,000 bonus points in the second year if you continue to use your card. Existing Westpac customers who currently hold an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card, or who have held one in the last 24 months, are not eligible for this offer. Qantas or Velocity Points earned during a statement cycle are added to your Qantas or Velocity Points balance on a monthly basis. Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account. Credit Card Product Switches, upgrades or Westpac group staff are ineligible for this offer. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

**†Eligible purchases** do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account.

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**<<If you choose to make any payment** in any category using an intermediary service (such as Afterpay, PayPal or similar services), these transactions will be categorised as ‘all other purchases’. We classify transactions using information provided to us by the card scheme (Visa or Mastercard), which tells us about the main type of business conducted by the Merchant.

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**Rewards Points:** The earning and redemption of Altitude Points, Velocity Points and Qantas Points are subject to the [ Pdf File Altitude Terms and Conditions (PDF 117KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-altitude-terms-and-conditions.pdf). Purchases that are not eligible to earn Rewards Points are set out in the [ Pdf File Altitude Terms and Conditions (PDF 117KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-altitude-terms-and-conditions.pdf). You do not receive points if you have not paid the Minimum Payment Due in full and on time and in other circumstances. Points earnt for [ Pdf File PartPay (PDF 96KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/partpay%5Fcard%5Fterms%5Fand%5Fconditions.pdf) Purchases are based on the full value of the purchase, and not on each instalment amount. Qantas and Velocity Points earned during a statement cycle are added to your respective Points balance on a monthly basis.

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**2\. Interest free** **period** is available when you pay the Closing Balance (or the Monthly Payment Balance if you have a Balance Transfer, a SmartPlan or a PartPay Card) in full by the payment due date.

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The Westpac Extras program is subject to the [ Pdf File terms and conditions (PDF 370KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac%5Fextras%5Fterms%5Fand%5Fconditions.pdf) at [Westpac.com.au/extras](https://www.westpac.com.au/personal-banking/credit-cards/westpac-extras). Offers will also be subject to their own terms and conditions.

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**Altitude Velocity or Qantas**: In order to earn and redeem points, you must be a member of the relevant Frequent Flyer program. An annual $75 Rewards Program Fee applies for customers who choose this option.

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**2\. Interest free** **period** is available when you pay the Closing Balance (or the Monthly Payment Balance if you have a Balance Transfer, a SmartPlan or a PartPay Card) in full by the payment due date.

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**#** **Qantas products and services:** Selected Qantas products and services are Qantas passenger flights with a QF flight number purchased directly from [Qantas.com](https://www.qantas.com.au/ "Click to go to the Qantas website"); Qantas Frequent Flyer and Qantas Club membership joining and/ or annual fees. For full Qantas Frequent Flyer Terms and Conditions, visit [Qantas.com/terms.](http://qantas.com/terms "Click to visit the Qantas page for terms")

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**Concierge Services** for Altitude Black. Concierge services are provided by a third party supplier. For further details including terms and conditions visit [westpac.tenconcierge.com](https://westpac.tenconcierge.com/)

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**3\. Complimentary Lounge Passes**

**Priority Pass Membership:** Complimentary Pass membership is available to Westpac Altitude Black primary cardholders earning Altitude Points through the Altitude Rewards program. It requires enrolment through [prioritypass.com/westpacblack](https://www.prioritypass.com/westpacblack). The Primary Cardholder receives two complimentary visits in any 12-month period, one of which may be used by an accompanying guest. Subsequent visits in the 12-month period incur an additional member/guest visit fee, which can be found on the Priority Pass website <https://www.prioritypass.com/join-prioritypass>. The additional fee will be automatically charged to the primary cardholder's Altitude Black card. A Foreign Transaction Fee will apply to the conversion amount. Unused visits expire and cannot be carried forward to any subsequent year. Visit the Contact Us page on [www.prioritypass.com](https://www.prioritypass.com/) for enquiries about the Priority Pass program. Subject to the [Priority Pass Conditions Of Use.](https://www.prioritypass.com/en/conditions-of-use)

**Qantas Club Complimentary Lounge Invitations:** As a Westpac Altitude Black cardholder earning Qantas Points, you are eligible for two Qantas Club Complimentary Invitations within each 12-month period of your anniversary registration date when you register your Altitude Black card via [loungepass.altitudeblack.com.au](https://loungepass.altitudeblack.com.au/) and use your card in Australia to purchase selected Qantas products and services. Selected Qantas products and services are the following items purchased directly from Qantas: Qantas passenger flights (with a QF flight number), Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar, Qantas Holidays, Qantas branded non-airfare products and any Qantas products and services not purchased directly from Qantas.

Qantas Club Complimentary Invitations will be made available within 14 business days of meeting eligible spend via the [Qantas Complimentary Invitations Portal](https://qantas.com/freeloungeinvite), provided you are not in breach of the [ Pdf File Credit Card Terms and Conditions (PDF 200KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/Consumer%5FConditions%5Fof%5Fuse.pdf) and your account remains open. Log in to the portal using your Qantas Frequent Flyer account to access your invitation, link it with an eligible Qantas flight booking, or to find out more information. To receive your Complimentary Invitations, you must have provided Westpac with your Qantas Frequent Flyer Number. If you have not yet registered for your complimentary Qantas Frequent Flyer Membership, you may join at [qantas.com/joinffwestpac](https://www.qantas.com/au/en/frequent-flyer/discover-and-join/join-now.html/code/westpac).

Qantas Club Complimentary Invitations are provided courtesy of Westpac, and are valid for Qantas Club and Qantas operated International Business Lounges only (excluding Los Angeles Tom Bradley Airport lounge).

Access and use are subject to the [Complimentary Lounge Invitation Terms and Conditions](https://www.qantas.com/au/en/frequent-flyer/the-qantas-club/complimentary-invitations-terms-conditions.html) and the [Lounge Entry Terms and Conditions](https://www.qantas.com/au/en/qantas-experience/at-the-airport/airport-lounges/terms-conditions.html).

**Virgin Australia Domestic Lounge Passes** Two complimentary single-entry Virgin Australia Domestic Lounge Passes are available to Westpac Altitude Velocity Black Mastercard cardholders each year. To be eligible, your card account must not be in arrears for more than two consecutive statement cycles in accordance with the [ Pdf File Altitude Terms and Conditions (PDF 117KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-altitude-terms-and-conditions.pdf "Follow link"), you must have provided Westpac with your Velocity Frequent Flyer number and you have made a direct spend with Virgin Australia every year on your Altitude Velocity Black Mastercard from your card open date. You will become eligible upon card activation in your first year and then each anniversary thereafter. Virgin Australia Lounge Passes are valid for 12 months from date of issuance and will appear on your Velocity Frequent Flyer membership account within 10 business days of meeting eligible spend. Virgin Australia lounge is operated by Virgin Australia Airlines Pty Ltd in [selected domestic airport locations](https://www.virginaustralia.com/au/en/travel-info/at-the-airport/lounge/domestic/ "Follow link") and entry is subject to the [Westpac Altitude Velocity Black Mastercard Lounge Pass Conditions](https://experience.velocityfrequentflyer.com/partners-offers/credit-cards-banking-insurance/westpac "Follow link") and [Virgin Australia Lounge Terms and Conditions](https://www.virginaustralia.com/au/en/travel-info/at-the-airport/lounge/terms-and-conditions/ "Follow link") which are subject to change from time to time.

**4\. Complimentary insurance covers:** AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible persons to claim under it as third party beneficiaries. Access to the benefit of cover under the Credit Card Complimentary Insurance is provided to eligible Westpac cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). If an eligible persons wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, limits and exclusions contained in the [ Pdf File Complimentary Insurance Policy Information booklet (PDF 898KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC%5FConsumer%5FCredit%5FCard%5FComp%5FInsurance%5FAllianz.pdf) which may be amended from time to time. This insurance is underwritten by Allianz. Westpac does not guarantee this insurance. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it.

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**7\. Economy X Seat Upgrade Vouchers:** Two complimentary Economy X Seat Upgrade Vouchers (for eligible domestic flights only) are available to Westpac Altitude Platinum Mastercard and Westpac Altitude Black Mastercard primary cardholders earning Velocity Points through the Altitude Velocity rewards program. To be eligible, your card account must not be in arrears for more than two consecutive statement cycles in accordance with the Altitude Terms and Conditions, you must have provided Westpac with your Velocity Frequent Flyer number and you have made a direct spend with Virgin Australia (Eligible Spend) on your Altitude Platinum Mastercard or Altitude Black Mastercard every year from card open date. Economy X Seat Upgrade Vouchers are valid for 12 months from date of issuance and will appear on your Velocity Frequent Flyer membership account within 10 business days of meeting Eligible Spend. Economy X Seat Upgrades are available to other passengers travelling on the same itinerary as the primary cardholder. Each Economy X Seat Upgrade Voucher can only be redeemed on an eligible non-stop Virgin Australia operated domestic Australian flight. The Economy X Upgrade Voucher is valid per single flight sector only. All Economy X Seat Upgrade Voucher redemptions are subject to availability. No Velocity Points or Status Credits will be awarded for Economy X Seat Upgrade Voucher redemptions. To redeem, book an eligible domestic flight with Virgin Australia on your Altitude Velocity Mastercard and then call the Virgin Australia Guest Contact Centre on [1300 038 373](tel:1300038373) at least 24 hours prior to your flight to apply your Economy X Seat Upgrade. All Economy X Seat Upgrade Voucher redemptions are subject to availability and neither Virgin Australia nor Westpac guarantee that Economy X seats will be available on the flight you may wish to redeem on. All travel is subject to the [Economy X standard Terms and Conditions](https://www.virginaustralia.com/eu/en/experience/on-board-the-flight/seat-selection/eligibility/) and the [Virgin Australia Fare Conditions and Virgin Australia Conditions of Carriage](https://www.virginaustralia.com/us/en/about-us/legal-policies/conditions-of-carriage/) as amended from time to time.

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**5\. Additional cardholder:** An additional credit card can be issued on the primary cardholder’s account to any nominated person 16 years or over. All transactions using the additional credit card will be the responsibility of the primary cardholder. All Altitude, Velocity or Qantas Points remain the benefit of the primary cardholder. No additional cardholders allowed on Flex Card.

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**Altitude Rewards**: You must be a member of the relevant transfer partner program to redeem Altitude Points for that partner's rewards or frequent flyer points. The Altitude Terms and Conditions and the terms and conditions of the relevant transfer partner programs apply. A joining fee may apply. For more information on the Altitude Rewards program, visit [altituderewards.com.au](https://www.altituderewards.com.au/).

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Read the [ Pdf File Apple Pay Terms and Conditions (PDF 129KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/WBC-apple-pay-westpac-tcs.pdf) before making a decision and consider if it is right for you. To use Apple Pay you will need an eligible card and a compatible device with a supported operating system. See our [Apple Pay FAQs](https://www.westpac.com.au/faq/apple-pay/) for more information. Apple, the Apple logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

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**Altitude Velocity or Qantas**: In order to earn and redeem points, you must be a member of the relevant Frequent Flyer program. An annual $75 Rewards Program Fee applies for customers who choose this option.

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Read the [ Pdf File Samsung Pay Terms and Conditions (PDF 63KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/westpac-live/mobile-wallets/Samsung%5FPay%5FWBC%5FTandCs.pdf) before making a decision and consider if it is right for you. To use Samsung Pay you will need an eligible card and a compatible device with a supported operating system. See our [Samsung Pay FAQs](https://www.westpac.com.au/personal-banking/mobile-wallets/samsung-pay/) for more information. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.

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**Concierge Services** for Altitude Black. Concierge services are provided by a third party supplier. For further details including terms and conditions visit [westpac.tenconcierge.com](https://westpac.tenconcierge.com/)

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The [ Pdf File Google Pay Terms and Conditions (PDF 316KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/westpac-live/mobile-wallets/Westpac%5FGoogle%5FPay%5FTerms%5Fand%5FConditions.pdf) before making a decision and consider if it is right for you. To use Google Pay you will need an eligible card and a compatible device with a supported operating system. See our [Google Pay FAQs](https://www.westpac.com.au/personal-banking/mobile-wallets/google-pay/) for more information. Google Pay is a trademarks of Google Inc.

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**Westpac Fraud Money Back Guarantee** ensures that customers will be reimbursed for any unauthorised transactions provided that the customer has not contributed to the loss and contacted Westpac promptly. Refer to the card's [ Pdf File Terms and Conditions (PDF 264KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-credit-card-terms-and-conditions.pdf) for full details, including when a customer will be liable.

Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

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\*Claim based on "The Forrester Digital Experience Review™: Australian Mobile Banking Apps, Q4 2023" an evaluation of five Australian Banks.

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BPAY® is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518.

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Source pages and terms

https://www.westpac.com.au/personal-banking/credit-cards/reward/altitude-qantas-black/

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Rewards credit cards
Altitude Qantas Black

Altitude Qantas Black

Our premier Qantas credit card gets you a high Qantas Points earn rate as well as complimentary airport lounge access, insurances and concierge.

Apply now

Get up to 150,000 bonus Qantas Points~

Star1 Already with Westpac? Sign in to apply for a $200< card fee for the first year (reverts to $295 p.a. thereafter).

Get up to 150,000 bonus Qantas Points — 90,000 Qantas Points in year 1 if you spend $6k+ on eligible purchases within 120 days of new card approval and an extra 60,000 points with $6k+ spend on eligible purchases within 120 days of card anniversary in year 2.

Offer not available if you’ve held an Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas or Velocity in the last 24 months. New cards only. T&Cs apply.

Already with Westpac? Sign in to apply Already with Westpac? Sign in to apply Not yet with us? Apply here Not yet with us? Apply here

At a glance

$295	Annual card fee
$75	Annual Altitude Qantas Rewards Program fee
20.99% p.a.	Variable purchase rate
21.99% p.a.	Variable cash advance rate
$6,000	Minimum credit limit
$75,000 p.a.	Minimum income required
1.2	Qantas Points per $1 on international spend
0.8	Qantas Points per $1 on everyday spend
0.5	Qantas Points per $1 spend on all other purchases

Once you spend $10,000 in a statement cycle, you will earn 0.25 Qantas Points per $1 on further eligible purchases.

See below for standard rates and fees.

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What kind of businesses are included in the new ‘everyday spend’ category?

Our 'everyday spend' category consists of 5 sub-categories: supermarkets, department stores, petrol stations, dining and utilities. Below is a list of examples of merchants included in these 5 categories:

Supermarkets include stores such as Woolworths, Coles, IGA, Harris Farm and ALDI
Department stores include stores such as Kmart, Target, Big W, David Jones and Myer
Petrol stations include stores such as 7-Eleven, Shell, Ampol, Caltex and BP
Dining includes restaurants, cafes, fast food, bars, hotels and entertainment venues
Utilities include payments for water, gas, electricity, internet, mobile and streaming services (excluding BPAY® payments).

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Why choose Altitude Qantas Black?

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'Double dip' for more Qantas Points

Whether you are purchasing groceries or stocking up on Qantas Wine, you can earn points twice when you use your Qantas Points earning credit card to do your shopping with Qantas and their partners.

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Complimentary Insurances

Access to Interstate Flight Inconvenience Insurance and Rental Vehicle Excess in Australia cover, up to 6 months' complimentary cover for international travel insurance, plus extended warranty, purchase protection for up to 4 months and overseas transit accident insurance. (terms, conditions, exclusions and eligibility criteria apply).

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Complimentary Lounge passes

Relax before you fly with 2 complimentary Qantas Club airport lounge passes each year. See FAQs for how to redeem.

Other features and benefits

Up to 45 days interest-free

To give you more opportunity to avoid interest charges on your purchases. Note cash advances aren’t covered by this interest-free period.

No card? No problem

On top of Apple Pay, Samsung Pay and Google Pay, you can use our Instant Digital Card from the moment your account is opened. No need to wait for a physical card.

Additional cardholder

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

Fraud protection

From verifying unusual transactions to our fraud money back guarantee, we aim to keep you protected.

Tools to stay on top

These include options like PartPay, SmartPlan, Balance Transfers, Card Autopay and SMS payment reminders.

Personal Concierge Service

Exclusive to Westpac Altitude Black cardholders, the Personal Concierge Service lets you browse and book experiences online, including hard-to-get tickets, last-minute restaurant bookings and more.

Find out more

Cashback and discounts

With a Westpac credit card, you'll get personalised cashback offers from Westpac Extras, Westpac bonus Cashback when you shop via the Westpac Lounge on ShopBack, plus other discounts and offers from a wide range of shops, in-store and online.

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Take control of your money within the Westpac App

Powerful money management tools in the palm of your hand.

Get spend and cash flow insights

Track your month-to-month Cash flow and spot areas where you could be making savings with your spend sorted in Categories.

Manage your cards in one place

Order a new card, change your pin or temporarily lock your card if you misplace it, all in the app's convenient Cards Hub.

View and transfer funds fast

Quick Balance lets you view the balance of three main accounts and quickly transfer money without signing in.

Explore our in-app's budgeting tools Explore our in-app's budgeting tools

Standard rates and fees

New cards only

Follow these tips to minimise credit card fees and charges.

Annual card fee	$295
Annual Rewards Program fee	$75
Foreign transaction fee	3% Payable as a percentage of the Australian dollar value of any foreign transaction. Applies for transactions in a foreign currency, or in Australian dollars but processed by an overseas merchant or financial institution. Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia. More about this fee.
Cash advance fee	3% of the value of the transaction will apply to each cash advance made on your card account. These charges will appear on your credit card statement directly below the relevant cash advance.
Missed payment fee	$15 each statement cycle that the minimum monthly payment is not paid by the statement due date.

Compare our Qantas Credit Cards

Compare features such as annual card fees, points earn rates and minimum credit limits to help you decide which Qantas Rewards credit card is right for you.

Compare our Qantas Rewards Credit Cards

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View all Rewards cards

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View Low Fee cards

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View all credit cards

Frequently asked questions

How do I register for the complimentary lounge passes?

Qantas Club Complimentary Invitations

If you choose Altitude Qantas, you are eligible for 2 Complimentary Invitations per year after you spend on eligible selected Qantas products and services each year using your Altitude Black Mastercard. You must first register and opt in to take advantage of this feature.

How does the Complimentary International Travel Insurance work and am I eligible for it?

You can obtain written confirmation of eligibility for cover for your overseas journey from the issuer of the insurance, AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited, based on the answers you give AGA, by applying online at: checkyourcover.com.au/westpac. If you provide AGA with incorrect answers to the questions we ask you, you may not be eligible for cover under the group policy issued to Westpac.

What do the complimentary insurances cover?

International Travel Insurance(see policy for details)

Access to up to 6 months' complimentary cover for International Travel Insurance when you meet the eligibility criteria as set out in the Credit Card Complimentary Insurance Policy including prepaying $500 of your travel costs to your eligible card and holding a return overseas ticket before departing Australia, (see policy document for full eligibility criteria, terms, conditions, and exclusions).

Overseas Transit Accident Insurance

Overseas Transit Accident Insurance covers against specified accidental death or injury when sustained overseas while riding, boarding or alighting as a passenger in a plane, bus, train or shorthaul ferry when you have purchased the tickets for the entire trip using your Credit Card before you leave (terms, conditions, exclusions and eligibility criteria apply).

Purchase Protection Insurance

Access to up to 4 months Purchase Protection Insurance on eligible purchases, as set out in the Credit Card Complimentary Insurance Policy (terms, conditions, exclusions and eligibility criteria apply).

Extended Warranty Insurance

Up to 24 months extended warranty insurance cover (in addition to the manufacturer's expressed Australian warranty) on a range of personal items purchased using your Credit Card (terms, conditions, exclusions and eligibility criteria apply).

What is the personal concierge and how does it benefit me?

We've recently partnered with Ten Lifestyle Services. Westpac Altitude Black cardholders will now be able to browse and book experiences with ease, purchase hard-to-get tickets, make last-minute restaurant reservations and more, all online. You can find out more here, or reach our Lifestyle Managers on 1300 651 999 (option 4) for 24/7 personalised assistance.

Keep exploring

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Credit card 101

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Handy articles and guides

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Apply online

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Give us a call

Help me choose

Use the selector to find a card that's right for you.

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Things you should know

Westpac Credit Cards Key Facts Sheet

Pdf File Credit Card Terms and Conditions (PDF 264KB)

Pdf File Altitude Terms and Conditions (PDF 117KB)

Pdf File Westpac Credit Cards Complimentary Insurance Policy (PDF 898KB)

Pdf File PartPay Card Terms and Conditions (PDF 96KB)

Pdf File ID checklist to become a customer (PDF 657KB)

Credit criteria, fees and charges apply. Credit Card Product Switches, upgrades or Westpac group staff are ineligible.

This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.

†Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account.

Rewards Points: The earning and redemption of Altitude Points, Velocity Points and Qantas Points are subject to the Pdf File Altitude Terms and Conditions (PDF 117KB). Purchases that are not eligible to earn Rewards Points are set out in the Pdf File Altitude Terms and Conditions (PDF 117KB). You do not receive points if you have not paid the Minimum Payment Due in full and on time and in other circumstances. Points earnt for Pdf File PartPay (PDF 96KB) Purchases are based on the full value of the purchase, and not on each instalment amount. Qantas and Velocity Points earned during a statement cycle are added to your respective Points balance on a monthly basis.

The Westpac Extras program is subject to the Pdf File terms and conditions (PDF 370KB) at Westpac.com.au/extras. Offers will also be subject to their own terms and conditions.

~ Bonus Qantas or Velocity Points Promotion Altitude Black: Offer commenced 27th November 2025. To be eligible for bonus Qantas or Velocity Points, you must apply and be approved for a new Altitude Qantas Black or Altitude Velocity Black credit card before the offer is withdrawn. You will receive an initial 90,000 bonus points if you spend $6k or more on eligible purchases within 120 days of card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria. In your second year, spend a minimum of $6k on eligible purchases within 120 days of your card opened date anniversary, and you'll earn an additional 60,000 bonus points. These additional points will be credited to your points balance within 12 weeks of meeting the spend criteria. If you do not meet the minimum spend in the first year, you forfeit the bonus points for the first year only, however you are still eligible for bonus points in the subsequent year if you meet the minimum spend in the subsequent year during the promotional period. Existing Westpac customers who currently hold an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card, or who have held one in the last 24 months, are not eligible for this offer. Qantas or Velocity Points earned during a statement cycle are added to your Qantas or Velocity Points balance on a monthly basis. Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account. Credit Card Product Switches, upgrades or Westpac group staff are ineligible for this offer. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

<Existing Customers Only - Reduced First year Card Fee for Altitude Qantas Black and Altitude Velocity Black: Offer commenced 27th November 2025. The discounted first year Card Fee of $200 is available for existing Westpac customers when you apply and are approved for a new Altitude Black credit card before the offer is withdrawn. After the first year, the Card Fee reverts to $295 thereafter, and will be debited to your account annually on the 12-month anniversary of the Card Fee date. A $75 annual Rewards Program Fee still applies for Altitude Velocity and Altitude Qantas if you choose these programs. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

<<If you choose to make any payment in any category using an intermediary service (such as Afterpay, PayPal or similar services), these transactions will be categorised as ‘all other purchases’. We classify transactions using information provided to us by the card scheme (Visa or Mastercard), which tells us about the main type of business conducted by the Merchant.

2. Interest free period is available when you pay the Closing Balance (or the Monthly Payment Balance if you have a Balance Transfer, a SmartPlan or a PartPay Card) in full by the payment due date.

Altitude Velocity or Qantas: In order to earn and redeem points, you must be a member of the relevant Frequent Flyer program. An annual $75 Rewards Program Fee applies for customers who choose this option.

# Qantas products and services: Selected Qantas products and services are Qantas passenger flights with a QF flight number purchased directly from Qantas.com; Qantas Frequent Flyer and Qantas Club membership joining and/ or annual fees. For full Qantas Frequent Flyer Terms and Conditions, visit Qantas.com/terms.

Concierge Services for Altitude Black. Concierge services are provided by a third party supplier. For further details including terms and conditions visit westpac.tenconcierge.com

3. Complimentary Lounge Passes

Priority Pass Membership: Complimentary Pass membership is available to Westpac Altitude Black primary cardholders earning Altitude Points through the Altitude Rewards program. It requires enrolment through prioritypass.com/westpacblack. The Primary Cardholder receives two complimentary visits in any 12-month period, one of which may be used by an accompanying guest. Subsequent visits in the 12-month period incur an additional member/guest visit fee, which can be found on the Priority Pass website https://www.prioritypass.com/join-prioritypass. The additional fee will be automatically charged to the primary cardholder's Altitude Black card. A Foreign Transaction Fee will apply to the conversion amount. Unused visits expire and cannot be carried forward to any subsequent year. Visit the Contact Us page on www.prioritypass.com for enquiries about the Priority Pass program. Subject to the Priority Pass Conditions Of Use.

Qantas Club Complimentary Lounge Invitations: As a Westpac Altitude Black cardholder earning Qantas Points, you are eligible for two Qantas Club Complimentary Invitations within each 12-month period of your anniversary registration date when you register your Altitude Black card via loungepass.altitudeblack.com.au and use your card in Australia to purchase selected Qantas products and services. Selected Qantas products and services are the following items purchased directly from Qantas: Qantas passenger flights (with a QF flight number), Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar, Qantas Holidays, Qantas branded non-airfare products and any Qantas products and services not purchased directly from Qantas.

Qantas Club Complimentary Invitations will be made available within 14 business days of meeting eligible spend via the Qantas Complimentary Invitations Portal, provided you are not in breach of the Pdf File Credit Card Terms and Conditions (PDF 200KB) and your account remains open. Log in to the portal using your Qantas Frequent Flyer account to access your invitation, link it with an eligible Qantas flight booking, or to find out more information. To receive your Complimentary Invitations, you must have provided Westpac with your Qantas Frequent Flyer Number. If you have not yet registered for your complimentary Qantas Frequent Flyer Membership, you may join at qantas.com/joinffwestpac.

Qantas Club Complimentary Invitations are provided courtesy of Westpac, and are valid for Qantas Club and Qantas operated International Business Lounges only (excluding Los Angeles Tom Bradley Airport lounge).

Access and use are subject to the Complimentary Lounge Invitation Terms and Conditions and the Lounge Entry Terms and Conditions.

Virgin Australia Domestic Lounge Passes Two complimentary single-entry Virgin Australia Domestic Lounge Passes are available to Westpac Altitude Velocity Black Mastercard cardholders each year. To be eligible, your card account must not be in arrears for more than two consecutive statement cycles in accordance with the Pdf File Altitude Terms and Conditions (PDF 117KB), you must have provided Westpac with your Velocity Frequent Flyer number and you have made a direct spend with Virgin Australia every year on your Altitude Velocity Black Mastercard from your card open date. You will become eligible upon card activation in your first year and then each anniversary thereafter. Virgin Australia Lounge Passes are valid for 12 months from date of issuance and will appear on your Velocity Frequent Flyer membership account within 10 business days of meeting eligible spend. Virgin Australia lounge is operated by Virgin Australia Airlines Pty Ltd in selected domestic airport locations and entry is subject to the Westpac Altitude Velocity Black Mastercard Lounge Pass Conditions and Virgin Australia Lounge Terms and Conditions which are subject to change from time to time.

4. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible persons to claim under it as third party beneficiaries. Access to the benefit of cover under the Credit Card Complimentary Insurance is provided to eligible Westpac cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). If an eligible persons wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, limits and exclusions contained in the Pdf File Complimentary Insurance Policy Information booklet (PDF 898KB) which may be amended from time to time. This insurance is underwritten by Allianz. Westpac does not guarantee this insurance. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it.

5. Additional cardholder: An additional credit card can be issued on the primary cardholder’s account to any nominated person 16 years or over. All transactions using the additional credit card will be the responsibility of the primary cardholder. All Altitude, Velocity or Qantas Points remain the benefit of the primary cardholder. No additional cardholders allowed on Flex Card.

Read the Pdf File Apple Pay Terms and Conditions (PDF 129KB) before making a decision and consider if it is right for you. To use Apple Pay you will need an eligible card and a compatible device with a supported operating system. See our Apple Pay FAQs for more information. Apple, the Apple logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Read the Pdf File Samsung Pay Terms and Conditions (PDF 63KB) before making a decision and consider if it is right for you. To use Samsung Pay you will need an eligible card and a compatible device with a supported operating system. See our Samsung Pay FAQs for more information. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.

The Pdf File Google Pay Terms and Conditions (PDF 316KB) before making a decision and consider if it is right for you. To use Google Pay you will need an eligible card and a compatible device with a supported operating system. See our Google Pay FAQs for more information. Google Pay is a trademarks of Google Inc.

Westpac Fraud Money Back Guarantee ensures that customers will be reimbursed for any unauthorised transactions provided that the customer has not contributed to the loss and contacted Westpac promptly. Refer to the card's Pdf File Terms and Conditions (PDF 264KB) for full details, including when a customer will be liable.

Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

BPAY® is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518.

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