The Westpac Altitude Black credit card gives you access to 140,000 bonus Altitude Rewards points, airport lounge access and complimentary insurance when you sign up. This travel rewards credit card offers a range of benefits that make it the perfect companion for frequent travelers.

Westpac Altitude Black credit card is a travel rewards credit card that offers 140,000 bonus Altitude Rewards points. The card also provides airport lounge access and complimentary insurance. It has a discounted $99 first-year fee with no annual fee thereafter.

The Westpac Altitude Black credit card is perfect for frequent business travelers who are looking to earn more rewards on their spending and travel expenses.

Westpac Altitude Black Credit Card benefits

140,000 bonus Altitude points. If you submit a credit application to Westpac by December 31, 2022 and are approved, you will receive 140,000 bonus reward points. Bonus points count towards the transaction fees. The bonus points have no expiry date.This suggests that you could get $590 in eGift cards by beginning your trial now.If you’re looking to book a flight or vacation in the future, you can transfer your airline miles or points to the mentioned partner programs.

Discounted first-year annual fee. This card charges $99 for the first year, then $250 thereafter.

Balance transfer offer. If you apply for a card that offers 0% interest, you can save on your finances! This card has an incredible 24-month promotion ending on 31 December 2022.Head over to your account on our website and learn more about your current offers.

Mobile technology. With Apple Pay, Samsung Pay and Google Pay you can make contactless payments on your compatible device from the checkout. You can also use Fitbit Pay and Garmin Pay to make those same purchases by using your eligible fitness tracker.

Travel features with Westpac Altitude Black Credit Card

Uncapped Westpac Altitude Rewards points. There are many ways to earn Altitude Points with Westpac. You’ll earn 6 points every $1 spent with Qantas, Jetstar, Emirates and Singapore Airlines up to $10,000 per month and then 1.25 points per $1 spent with other airlines after that. Earn 2 Points per $1 spent on David Jones, Myer, Spotify Premium, Uber and Uber Eats. Earn up to 1.25 Points per $1 spent on all other eligible purchases.

Priority Pass airport lounge access. This card will give you complimentary access to the Priority Pass lounge and you’ll get two free visits as well. Associates have access to the resort’s lounge, which offers free snacks, drinks and other services.

Complimentary travel insurance. When you’re a cardholder of the Altitude Black, you get complimentary travel insurance. You get it if you use the card to pay at least $500 worth of your travel expenses before this trip begins. To avoid being subjected to full-body scans at airports, all you have to do is purchase a flight home. People of any age living in Australia will be exempt from this new screening policy. If you get unexpected travel interruptions with Westpac Altitude Black, you can be safe in the knowledge that we’ll help cover costs and make things as smooth as possible.

Complimentary insurance for shopping. Alongside your Westpac Altitude Black account, you can also get access to purchase security insurance, extended warranty cover and price guarantee cover for eligible items you buy.

Westpac Concierge. 24/7 Westpac Concierge are here to save you time. You can make all your booking requests over the phone by calling 1300 651 999, or use our website and we’ll chirp in when it’s time to check details or payment methods.

Rates & fees of Westpac Altitude Black Credit Card

Annual fee. This card doesn’t include any sign-up promotions and you’ll have to pay an annual fee of $250 p.a. You might want to consider this before applying, as the rewards may not be worth it if you don’t plan on using them in your day-to-day life.

Purchase interest rate. Variable interest rates on purchases are 19.99% p.a

Interest-free period. Pay in full by the due date and you’ll be eligible for interest-free finance on your purchases for up to 45 days. Keep in mind there are a few types of interest-free days: those that are separate from any longer-term promotions, plus the monthly payment balance on top of any current balance transfers.

Cash advance rate. The variable interest rate on a cash advance is 21.49% p.a

Credit limit. The minimum credit limit is $15,000

Foreign transaction fee. Foreign conversion fees of 3% are imposed on purchases made through international retailers

Requesting the Westpac Altitude Black Credit Card

It only takes 10 minutes to apply for the Westpac Altitude Black Card online. You’ll receive a response within 60 seconds of completing your application so that you can then enrol in a card account. To start the application process, you will need to meet the eligibility requirements and gather all your qualifying documents.

New cards only. If you want to benefit from our bonus offer, you can’t have held any of the following cards between 12 months ago and right now: Altitude Classic, Altitude Platinum, Altitude Black, Earth Classic, Earth Platinum.

Income. To be eligible to apply, you must make at least $75,000 per year.

Residency. You must be an Australian citizen or permanent resident currently living in Australia.

Age. You must be at least 18 years old to apply.

Eligible balance transfer debt. You can transfer from $200 up to 80% of your available credit limit from up to 3 Australian credit, charge or store cards not issued by Westpac.

Documents required for the request

Personal details. You are to disclose the following information: full name, email address, residential address, date of birth, driver’s licence number, marital status, number of dependents and contact number

Employment details. You’ll need to provide some information about your current work status, such as your job title and wage, as well as your employer’s contact details. A recent salary slip or bank statement will help to verify how much you’re earning. Accountant details are required for self-employed customers, as well as recent tax assessment notices.

Financial details. This account includes any other forms of income, such as government payments or pensions, in addition to assets such as savings. You’ll also need to provide an estimate of your debts, loans and credit cards. Once you have all these details, it’s time to start filling out the form.

Balance transfer information. For a balance transfer, you can specify the account numbers of the cards you want to use as well as any provider’s billing codes. If possible, let us know the amounts on these accounts too.

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