Westpac Altitude Black Credit Card
Best for: Travellers who want flexible points that transfer to Qantas, Velocity or Singapore KrisFlyer
Pros
- Flexible points rather than one airline
- Lower annual fee than competing premium cards
- Solid insurance package
Cons
- Transfer ratios to airlines reduce the headline earn rate
- Points cap applies each statement
- Foreign transaction fee
Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.
Altitude Black earns Westpac Altitude Points — flexible points you can send to Qantas, Velocity, Singapore Airlines KrisFlyer and others — rather than locking you into one airline. You earn 1.25 points per $1 on everyday spend (higher on Westpac travel bookings), get two Priority Pass lounge passes and a concierge, and the annual fee is lower than the equivalent ANZ or Qantas premium cards.
Westpac Altitude Black Credit Card at a glance
| Issuer | Westpac |
| Card network | Mastercard |
| Annual fee | A$295 |
| Rewards rate | 3, 2 or 1 Altitude Points per A$1 depending on the purchase category (A$10,000 spend cap per statement cycle) |
| Welcome bonus | Bonus Altitude Points after minimum spend (varies) |
| Intro APR | None |
| Purchase rate | 20.99% p.a. (variable) |
| Foreign transaction fee | 3% |
| Credit needed | Good to excellent (minimum income A$75,000) |
| Airport lounge access | 2 Priority Pass lounge passes a year |
| Best for | Flexible points that transfer to several airline programmes |
Rewards & perks
- Transfer points to Qantas, Velocity, KrisFlyer, Cathay and hotel programmes
- Two Priority Pass lounge passes and a 24/7 concierge
- Complimentary travel, purchase and extended-warranty insurance
Pros
- Flexible points rather than one airline
- Lower annual fee than competing premium cards
- Solid insurance package
Cons
- Transfer ratios to airlines reduce the headline earn rate
- Points cap applies each statement
- Foreign transaction fee
Who should apply
- Australian residents with a strong credit history and A$75,000+ income
- Travellers who fly several airlines rather than only Qantas
- Anyone who values lounge passes and insurance
Before you apply: card terms change often. Confirm the current annual fee, interest rate, welcome offer and rewards on the official Westpac site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.
How it compares with similar Australia cards
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
Westpac Altitude Black Credit CardFlexible points that transfer to several airline programmes |
A$295/yr | 3, 2 or 1 Altitude Points per A$1 depending on the purchase category (… | None | 3% | Good to excellent (minimum inc… | |
Bankwest Zero Platinum MastercardOverseas spending with no annual fee and no foreign transaction fees |
None | None | 0% on balance transfers for an introductory period on some o… | None | Good | |
Latitude 28° Global Platinum MastercardFrequent overseas spenders and online shoppers buying in foreign currencies |
A$8/mo | None | None | None | Fair to good |
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