Important disclosure
Westpac Altitude Black (Altitude Rewards)
Bonus Points
Earn 140,000 bonus Altitude Points. Reduced first year card fee of $99 ($250 thereafter).Earn 140,000 bonus Altitude Points when you spend $6,000 on eligible purchases within 120 days of approval. Plus, a reduced first year annual card fee (reverts $295 thereafter) Offer excludes customers who hold/held an Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas or Velocity in the last 12 months.
Purchase Rate
Purchase Rate
19.99%
p.a
Balance Transfer Rate
Balance Transfer Rate
0%
p.a
for up to 24 months, then 21.49%
Purchase Rate
19.99%
p.a
Balance Transfer Rate
0%
p.a
for up to 24 months, then 21.49%
Annual Fee
$150
for 12 months then $295 thereafter
Promoted credit cards
Promoted
Rewards Black
Bonus Points
180,000 extra ANZ Reward Points and $150 back to your new ANZ Rewards Black credit card when you spend $3,000 on eligible purchases in the first 3 months from approval.*Purchase Rate
20.49%
p.a
Annual Fee
$375
Promoted
Frequent Flyer Black
Bonus Points
Earn 110,000 bonus Qantas Points and $100 back to your card when you spend $5,000 on eligible purchases in the first 3 months from approval.*Purchase Rate
20.49%
p.a
Annual Fee
$425
Pros and cons
For Altitude Black (Altitude Rewards)
Benefits
- Rewards Available through Westpac Altitude Rewards
- Extra 140,000 points subject to eligibility conditions
- $150 annual fee in the first 12 months and $295 p.a thereafter.
- Ability to convert large purchases into instalment plans
- Apple Pay, Google Pay and Samsung Pay available
- Domestic travel insurance
- International travel insurance
- Free supplementary cards
- Extended warranty
- Rental car excess insurance
- Concierge
- Purchase protection insurance
Drawbacks
- Higher than average ongoing variable purchase rate
- Higher than average ongoing annual fee
Westpac Rate Credit card overview
For Altitude Black (Altitude Rewards)
Details
Card Level Premium | Card Type MasterCard |
Interest Free Days Interest Free Days 45 | Minimum monthly repayment 2% or $10 |
Minimum credit limit $15k | Maximum credit limit $75k |
Free supplementary cards | Instant Approval |
Target Market Determination Visit Westpac Banking Corporation Ltd to view Target Market Determination. |
Fees
Annual Fee Annual Fee $150 for 12 months then $295 thereafter | Annual Fee Spend Waiver |
Supplementary card annual fee $0 | Late Payment Fee $15 |
Over limit fee $15 | Duplicate statement fee $2 |
Electronic Wallet Service
Important Rates
Rates
Purchase Rate Purchase Rate 19.99% p.a |
Cash advance rate 21.49% p.a |
Cash advance fee 2% or $2.5 |
Balance Transfer
Balance Transfer Rate Balance Transfer Rate 0% p.a for up to 24 months, then 21.49% |
Transfer Limit 80% of the approved credit limit |
Balance Transfer Fee |
Overseas spending
Foreign Exchange Fee 3% on Mastercard |
Overseas charges Overseas charges $2.5 |
Estimated ATM Cost $11.5 for AU $300 withdrawal |
Rewards
Program name Westpac Altitude Rewards |
Rewards Available Gift Card, Cash Back |
Eligibility
Minimum age 18 |
Minimum income $75k |
Eligibility conditions You have a regular, verifiable income |
Residency |
Earn Rates
| Rate | Card Type | Earns | Condition |
|---|---|---|---|
| 1.25 points for $1 spent | Mastercard | uncapped | eligible domestic and overseas purchases |
Perks
- DOMESTIC TRAVEL INSURANCE
- INTERNATIONAL TRAVEL INSURANCE Available for covers up to $20,000 for loss or damage to personal property, $550 for loss or damage to travel documents and $2.5 million of personal liability cover
- FREE SUPPLEMENTARY CARDS
- EXTENDED WARRANTY Warranty is extended for the same duration as the original warranty up to 2 years.
- RENTAL CAR EXCESS INSURANCE Covers up to $5500
- CONCIERGE
- PURCHASE PROTECTION INSURANCE Cover lasts for 120 days per year
- Bonus PointsOther Earn 140,000 bonus Altitude Points. Reduced first year card fee of $99 ($250 thereafter).Earn 140,000 bonus Altitude Points when you spend $6,000 on eligible purchases within 120 days of approval. Plus, a reduced first year annual card fee (reverts $295 thereafter) Offer excludes customers who hold/held an Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas or Velocity in the last 12 months.
