Important disclosure
Westpac Altitude Black (Altitude Rewards)
Bonus Points
Earn 150,000 bonus Altitude Points.100,000 Rewards Points in year 1 if you spend $6k on eligible purchases†within 120 days of new card approval and an extra 50,000 points after your first eligible purchase in year 2 Plus, a reduced first year annual card fee $150 (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. Redeem 150,000 Altitude Rewards Points for up to $700 in eGift cards at a range of retailers or choose merchandise from our online store.
Purchase Rate
19.99%
p.a
Balance Transfer Rate
0%
p.a
19.99%
p.a
0%
p.a
$150
for 12 months then $295 thereafter
Pros and cons
For Altitude Black (Altitude Rewards)
Benefits
- Rewards Available through Westpac Altitude Rewards
- Extra 150,000 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 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 $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 19.99% p.a |
Cash advance rate 21.49% |
Cash advance fee 2% or $2.5 |
Balance Transfer
Balance Transfer Rate 0% p.a |
Transfer Limit 80% of the approved credit limit |
Balance Transfer Fee |
Overseas spending
Foreign Exchange Fee 3% on Mastercard |
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 |
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 150,000 bonus Altitude Points.100,000 Rewards Points in year 1 if you spend $6k on eligible purchases†within 120 days of new card approval and an extra 50,000 points after your first eligible purchase in year 2 Plus, a reduced first year annual card fee $150 (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. Redeem 150,000 Altitude Rewards Points for up to $700 in eGift cards at a range of retailers or choose merchandise from our online store.
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