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Altitude Black (Altitude Rewards)



Electronic Wallet Service

Important Rates


Balance Transfer

Overseas spending



Earn Rates

RateCard TypeEarnsCondition
1.25 points for $1 spentMastercarduncappedeligible domestic and overseas purchases
  • Free Domestic Travel Insurance
  • Free 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
  • Purchase Protection Cover lasts for 120 days per year
  • 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

Similar credit cards


The Westpac Altitude Black credit card has a high annual fee and high interest rates with a moderately low missed payment fee. The card charges a foreign transaction fee and over-limit fee. Customers are able to choose between a Mastercard or American Express card.

The Altitude Black card also has an associated Altitude Rewards program. The Altitude Rewards program allows you to earn Altitude Points on eligible transactions and redeem your points for a variety of merchandise or frequent flyer points from five different airlines. Card holders earn 1.25 Altitude Points on every $1 spent on the Altitude Black Mastercard and 2.5 Altitude Points for every $1 spent on the Altitude Black American Express card.

This card also comes with complimentary insurances including overseas travel insurance, purchase security insurance, and extended warranty insurance.

  • Flexible reward scheme
  • Complimentary insurances
  • Free airport lounge passes
  • High annual fee
  • Foreign transaction fees
  • High interest rates


Who is it good for?

The Westpac Altitude Black credit card would suit customers who are not loyal to one airline and who want to redeem their rewards for benefits outside of travel. This card may also be a better fit for those who pay their bill in full each month and spend regularly on their card in order to get the most from the reward scheme.

The Westpac Altitude Black would not be particularly well-suited to customers who want to use their card overseas. The card charges a foreign transaction fee for purchases made in foreign currency and purchases made in Australian currency if the vendor is located overseas.

Card holders seeking a credit card that eliminates unnecessary fees may be better off shopping the market. Even though the Westpac Altitude Black discounts their annual fee in the first year, the annual fee remains high.

What RateCity says

The Westpac Altitude Black credit card benefits those who spend high amounts each month, pay their bills in full and can afford a high annual fee; but for others, the card offers little.

The card has a moderately low late or missed payment fee, but other associated costs are high, including a high annual fee and high interest rates. For many customers, these significant fees are not worth the rewards you might receive.

One of the biggest benefits of the Westpac Altitude Black credit card is the option to redeem points from several airlines, unlike some cards that only give customers the option of one. However, for customers who don’t travel often, this advantage offers little value. Card holders who want low fees instead of rewards may benefit from shopping the market.


To be eligible for the Westpac Altitude Black credit card you must be at least 18 years of age and a permanent resident currently residing in Australia. When applying, you’ll need to provide your personal details, proof of identity, recent payslips or bank statements, and employment details. Customers can apply online in just 10 minutes through Westpac’s secure online application. Westpac will also save your application for 14 days if customers need to stop and complete the application later.

About Westpac

Headquartered in Sydney, Westpac is one of Australia’s most well-known banking institutions. Westpac was established in 1817 as the Bank of New South Wales, making it Australia’s oldest bank. The bank provides a range of banking and financial services to individuals, businesses and institutions, including credit cards, investments, superannuation and loans. Westpac also offers wealth management services to a variety of clients. In 2008, Westpac merged with St George Bank.

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