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- Altitude Black (Altitude Rewards)
Westpac Altitude Black (Altitude Rewards)
- Bonus Points
- Apple, Google & Samsung Pay
- Balance transfer
Earn 150,000 bonus Altitude Points.
~ Ends in 3 months100,000 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 p.a.
19.99%
Balance transfer rate
0%
Annual fee
$150
for 12 months then $295 thereafter
Westpac Altitude Black (Altitude Rewards)
- Bonus Points
- Apple, Google & Samsung Pay
- Balance transfer
Purchase rate p.a.
19.99%
Balance transfer rate
0%
Annual fee
$150
for 12 months then $295 thereafter
Pros and Cons
For Westpac 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
$15,000
Maximum credit limit
$75,000
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
Apple pay available
Google pay available
Samsung pay available
Important Rates
Rates
Purchase rate p.a.
19.99%
Cash advance rate
21.49%
Cash advance fee
2% or $2.5
Balance Transfer
Balance transfer rate
0%
Transfer limit
80%
of the approved credit limit
Balance transfer fee
Overseas spending
Foreign exchange fee
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
$75,000
Eligibility conditions
You have a regular, verifiable income
Residency
Perks
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
Warranty is extended for the same duration as the original warranty up to 2 years.
Covers up to $5500
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Product data updated on 19 Apr 2024