Westpac Altitude Rewards Black Card

Why we like the Westpac Altitude Rewards Black card

The Westpac Altitude Rewards Black is a great mid-tier credit card in Australia for those who want to earn flexible rewards points!

For every $1 of eligible spend, you’ll earn up to 3 Altitude Rewards points, capped at $10,000 per statement period.

Cardholders also receive two single-entry Priority Pass lounge invitations per year, a reduced first year annual fee of $200 plus complimentary overseas travel insurance, purchase protection insurance and extended warranty on purchases.

Sign-up bonus

Earn up to 200,000 bonus Altitude Rewards Points when you apply for the Westpac Altitude Rewards Black credit card!

The bonus is split into two parts, with the first 100,000 bonus Altitude Rewards Points to be received after spending a minimum of $12,000 on eligible purchases within the first 12 months of approval and an additional 100,000 bonus Altitude Rewards Points after spending another $12,000 on eligible purchase in year two.

This offer is not available to existing customers who hold a Westpac Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas or Velocity, or if you’ve held any of these cards in the last 24 months.

Travel benefits

Enjoy an elevated travel experience with the Westpac Altitude Rewards Black. Here’s what to expect…

Lounge passes

The Westpac Altitude Rewards Black credit card includes two Priority Pass lounge invitations per year.

Receive complimentary membership and two airport lounge visits every year when you enrol in Priority Pass.

Complimentary Global Data Roaming by FlexiRoam

The Card can access one complimentary 3GB global data roaming plan, valid for 15 days consecutive and usable across more than 150 countries. You can choose between a physical SIM or an eSIM, depending on what your device supports.

The key thing to understand is that this benefit is issued per Card Account, not per cardholder. Because primary and additional cardholders on a Westpac credit card share the same card number, one plan is available to the account each calendar year, but additional cardholders don’t receive their own. Terms and conditions apply.

Complimentary travel insurance

Cardholders will receive Complimentary International Medical Travel Insurance, Complimentary Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia international, underwritten by Allianz.

Note that Complimentary International Medical Travel Insurance covers overseas emergency assistance, medical and hospital expenses, funeral expenses and personal liability only. Trip cancellation, travel delay and luggage cover are not included. Activation isn’t required for the domestic travel or rental vehicle excess cover. Eligibility criteria, terms, conditions, exclusions, limits and, applicable sub-limits apply.

Ensure you read the Westpac Credit Card International Product Disclosure Statements (effective 1 October) and Westpac Credit Cards Domestic Complimentary Insurance Policy Information Booklet (effective 1 October) before using the complimentary travel insurance on your card.

Flight Delay Access Pass

You and up to four travelling companions may also be eligible for complimentary access to over 1,800 participating airport lounges worldwide if your registered flight is delayed by 120 minutes or more, under the Complimentary Flight Delay Access Pass. Each flight needs to be registered separately, and there’s no cap on how many you can register.

You’ll also gain access to Westpac Concierge which are on-call 24/7 to fulfil your requests and give some useful restaurant or ticket reservation shortcuts, amongst other potential uses.

Personal concierge service

Westpac Altitude Rewards Black cardholders can access an exclusive Personal Concierge Service. This 24/7 service allows you to book experiences online, including tickets to concerts and events, restaurant reservations and more.

Earning points

With the Westpac Altitude Rewards Black credit card, you’ll earn Altitude Rewards points at a rate of 2 Altitude Rewards points per $1 spent on everyday transactions, excluding government payments. You’ll earn 3 Altitude Rewards points per $1 on international spend, while you’ll earn 1 Altitude Rewards point per $1 on other purchases. The full points-earning rate is capped at $10,000 per statement period, after which you’ll earn 0.5 Altitude Rewards points per $1.

Westpac Altitude Rewards points don’t expire as long as your account is active. If you close your account, you’ll have 90 days to use your points.

Earning points for ATO & government payments

You won’t earn any Altitude Rewards Points on direct payments to the Australian Tax Office (ATO), or other Australian government bodies.

But you can use your Westpac Altitude Rewards Black credit card with a payment service such as Pay.com.au. This allows you to pay taxes and other bills to collect Altitude Rewards Points from your card.

Using Westpac Altitude Rewards Points

Westpac Altitude Rewards Points can be converted to points or miles in five other loyalty programs, with a minimum transfer of 3,000 Westpac Altitude Rewards Points at a time. Here’s the full list of transfer partners:

Transfer partners	1 Westpac Altitude Rewards Point equals…
Air New Zealand Airpoints	0.0033 Airpoints Dollars
Cathay (Asia Miles)	0.25 miles
Everyday Rewards (Woolworths)	0.67 points
Singapore Airlines KrisFlyer	0.25 miles
Virgin Australia Velocity	0.25 points

Westpac Altitude Rewards regularly offers 15% bonus points on transfers to Virgin Australia Velocity during May and November.

See our Overview of Westpac Altitude Rewards Transfer Partners for more information.

Alternatively, you could redeem your points through the Westpac Altitude Rewards program for rewards including:

• Gift cards
• Cashback
• Retail products
• Donations

Westpac Altitude Rewards Points cannot be converted into Qantas Frequent Flyer points directly, although you can transfer them via Everyday Rewards and then to Qantas. You can also view our guide to the best Qantas credit card offers, or browse other credit cards in Australia.

Summary

Frequently Asked Questions (FAQs)

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