Westpac Altitude Rewards Black (Reduced first year annual fee for Westpac Customers)

Up to 6 months complimentary international travel insurance cover when eligibility criteria are met, including prepaying $500 of travel costs and holding a return overseas ticket before departing Australia. Coverage provided by Allianz Global Assistance.

Rental Vehicle Excess cover in Australia included as part of complimentary insurances.

Up to 24 months extended warranty insurance cover in addition to the manufacturer's expressed Australian warranty on eligible purchases made with the card.

Up to 4 months purchase protection insurance on eligible purchases made with the card.

Overseas Transit Accident Insurance covers accidental death or injury when traveling overseas as a passenger on plane, bus, train, or shorthaul ferry with tickets purchased using the card.

2 complimentary Priority Pass airport lounge visits per year, one visit may be shared with a travel companion. Requires enrolment at prioritypass.com/westpacblack. Additional visits incur fees. Also, 2 Qantas Club Complimentary Invitations per year for Qantas Club and Qantas operated International Business Lounges (excluding some lounges) upon registration and eligible spend. Plus, 2 Virgin Australia Domestic Lounge Passes per year for Altitude Velocity Black cardholders with eligible spend and registration.

Add 1 additional cardholder aged 16 or older at no extra cost.

No annual Altitude Rewards Program fee. Reduced first year card fee of $200 (or $99 for existing Westpac customers) for Altitude Rewards Black card, reverting to $295 thereafter.

Foreign transaction fee of 3% applies on foreign currency transactions or transactions processed overseas.

Personal Concierge Service available exclusively to Altitude Black cardholders, providing 24/7 assistance for booking experiences, tickets, and restaurant reservations via westpac.tenconcierge.com or phone.

PartPay feature allows splitting purchases into 4 payments over 6 weeks.

Card can be added to Apple Pay, Samsung Pay, and Google Pay digital wallets.

Instant Digital Card available from account opening, before physical card arrives.