Westpac Altitude Rewards Black
$200 first year annual fee
100,000 points
$6,000 min limit
$75,000 annual income required
1.00 points per dollar
Spend $12,000 in 365 days
Offer Details
Mid-Tier
First Year Points
100,000 points
Westpac
Second Year Points
100,000 points
With $295 annual fee
Minimum Spend
$12,000
within 12 months
Ongoing Earn Rate
1.00x points per $1 spent
Fees
First Year Annual Fee
$200
Ongoing Annual Fee
$295
From year 2 onwards
Note: Additional fees may apply for cash advances, foreign transactions, overlimits, and late payments. Check the issuer's terms and conditions for complete fee details.
Benefits
Travel Insurance
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 Insurance
Rental Vehicle Excess cover in Australia included as part of complimentary insurances.
Extended Warranty Insurance
Up to 24 months extended warranty insurance cover in addition to the manufacturer's expressed Australian warranty on eligible purchases made with the card.
Purchase Protection Insurance
Up to 4 months purchase protection insurance on eligible purchases made with the card.
Transit Accident Insurance
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.
Lounge Access
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.
No Additional Cardholder Fee
Add 1 additional cardholder aged 16 or older at no extra cost.
No Annual Fee
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.
No International Transaction Fee
Foreign transaction fee of 3% applies on foreign currency transactions or transactions processed overseas.
Concierge Service
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.
Buy Now Pay Later
PartPay feature allows splitting purchases into 4 payments over 6 weeks.
Digital Wallet Integration
Card can be added to Apple Pay, Samsung Pay, and Google Pay digital wallets.
Digital Card Issuance
Instant Digital Card available from account opening, before physical card arrives.
I'd like to use my bonus for:
Craig's AnalysisBonus Difficulty
Easy
●○○$33 per day required
First Year Cost
$200
annual fee
Earn Rate
Average
●●○○1.00x Westpac points per $1
Travel Benefits
Lounge Access
2 complimentary Priority Pass lounge visits per year (one visit may be used by an accompanying guest)
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