Westpac Altitude Black:
80,000 Bonus points

Westpac Altitude Black Mastercard comes with 80,000 Qantas Frequent Flyer or Altitude Rewards points and a annual fee of only $250

To get to the 80,000 promo page on Westpac, you will need to visit:
https://www.westpac.com.au/altitude-black (mobile friendly!)

Features and benefits

Westpac’s Altitude Black comes in 2 different varieties, Altitude Rewards or Altitude Qantas. The Altitude rewards will let you earn points into a flexible reward program which can be transferred to a variety of partners while the Qantas option lets you earn Qantas points.

It’s interesting to note that you can switch programs after signing up so if you want to take advantage of the huge Qantas points bonus at sign up but then earn flexible rewards points on everyday spend, you can do so without having to do a new application.

This Promotion Ends In:


Westpac Altitude Qantas Black

  • Earn Rates: $1 = 0.625 points (from April 4, 2018 this will be increased to 0.75 points per dollar)
  • Bonus Points: 1 additional Qantas point per dollar on Qantas products
  • Insurance: Extensive overseas travel insurance, purchase protection and other insurances (please check the PDS to see if these work for you before making a decision)
  • Lounge Passes: 2 Qantas Club lounge passes each year
  • Special Access: World Mastercard benefits and American Express special offers
  • Points cap: uncapped!

Westpac Altitude Rewards Black

  • Earn Rates: $1 = 1.25 points
  • Insurance: Extensive overseas travel insurance, purchase protection and other insurances (please check the PDS to see if these work for you before making a decision)
  • Lounge Passes: 2 Priority Pass invitations each year
  • Special Access: World Mastercard benefits and American Express Connect
  • Points cap: Uncapped, you will not be limited to the amount of points you can earn

How can I take advantage of the partner offer?

The current Westpac promotion runs until June 11, 2018.

To get the 80,000 Qantas or Altitude reward points, you will need to visit this promotion page.

Altitude Black Card Specifics

  • Variable purchase rate: 20.24% p.a.
  • Variable cash advance rate: 20.74% p.a.
  • Special bonus points promotion: The bonus points promotion is available when you apply for a new Westpac Altitude Black credit card via this page between 26 March 2018 and 11 June 2018. The bonus points will be credited to your points balance within 12 weeks after the eligible spend criteria being met. Spend criteria is a minimum amount of $5,000 on eligible purchases within 90 days from card approval.
  • Discounted annual card fee in first year promotion: The discounted first year annual card fee promotion is available when you apply for a new Altitude Black card between 26/03/2018 and 11/06/2018.
  • The first annual card fee at the rate will be debited to your card account on your first transaction and the full annual card fee, currently $395, will be debited annually thereafter.
  • Minimum card limit: $15,000
  • Recommended income to apply: $75,000

Which Sign Up Bonus Is Best?

Since Westpac has 2 different reward programs on offer, you might be left wondering if both sign up bonuses are equal. Personally, I would go for the Qantas points since it’s considerably higher when you factor in the conversion of the other program.

In the end, it depends on where you have your biggest balances and which programs you value more. 80,000 Altitude rewards points will convert to 50,000 Velocity Frequent Flyer points or 40,000 Kris Flyer points or Asia Miles.

Airport Lounge Access

When you opt for the Westpac Altitude Qantas Black option, you will receive 2 single entry Qantas Club passes which can be used at any domestic or international Qantas Club lounge. You will need to make a transaction with Qantas before the passes are sent out. It’s also important to note that you MUST first register your card online before making the required spend. You can do so right here: https://loungepass.altitudeblack.com.au/default.aspx?appAction=exit for the Qantas passes and here for the Priority Pass membership: http://info.westpac.com.au/creditcards/black/altitudeblack/travel/airport-lounge-priority-pass.aspx

On top of the Qantas or Priority Pass lounge benefits, card holders also receive 2 complimentary entries to the American Express lounge in Sydney or the soon to be opened Melbourne lounge. Access to these lounges usually cost $55, so it’s a great deal if you plant to depart from Sydney or Melbourne.

Westpac Altitude Black Earn Rates

If you’re looking for the highest earn rate on any Westpac card, this is it. The Qantas program earn rate is pretty straight forward since it’s WYSIWYG. The Altitude Rewards, on the other hand, has a few different redemption rates you should keep in mind. Here’s how all the earn rates compare across the different frequent flyer programs:

Westpac Altitude Black Earn Rates

Effective earn rate into the available frequent flyer programs for Westpac Altitude Black Qantas and Altitude Black Rewards credit cards. Both overseas and domestic earn rates are the same.
Frequent Flyer ProgramCurrent Earn RateEarn Rate From April 4
Qantas Frequent Flyer0.625 points per $0.75 points per $
Velocity Frequent Flyer0.65 points per $0.65 points per $
Singapore Airlines KrisFlyer0.5 point per $0.5 point per $
Cathay Pacific Asia Miles0.5 point per $0.5 point per $

Travel Insurance & Warranty Extensions

It’s always hard to put a value on credit card travel insurance because each person has different requirements, therefore I highly recommend having a read through the PDS to decide for yourself if this insurance policy works for you.

For overseas trips up to 6 months, overseas travel insurance includes cover for:

  • Specified medical expenses incurred overseas
  • Unexpected cancellation of travel arrangements
  • Up to $20,000 per person cover for loss or damage to personal property
  • Up to $550 per person for loss or damage to travel documents
  • Limit of $2.5 million of personal liability cover
  • Up to $5,500 rental vehicle excess cover as specified in the policy for loss or damage to rental vehicle
  • You, your spouse and your dependent children could be automatically covered for Complimentary Overseas Travel Insurance on your journey, if each of you meets the eligibility criteria, including pre-paid travel costs using your credit card. See Details for eligibility criteria
  • Transit accident insurance: Up to $500,000 transit accident insurance cover against specified accidental death or injury when sustained while riding as a passenger in a plane, bus, train or ferry when you have purchased the tickets for the journey using either one of your Altitude Black cards before you leave
  • Purchase security insurance: 4 months cover against loss, theft or accidental damage for a range of personal items purchased in Australia and overseas provided the item is purchased using either one of your Black Altitude cards
  • Extended warranty insurance: Up to 24 months extended warranty insurance cover (in addition to the manufacturer’s expressed Australian warranty) on a range of personal items purchased using either one of your Black Altitude cards

Altitude Black Concierge & App

Like most premium cards, the Altitude Black comes with a personal concierge who also can be accessed through a dedicated app. It could be useful to request travel bookings, restaurant reservations or tickets to a concert or game but personally, I’ve only used the service to request lounge passes that never got sent out after making a Qantas purchase.

Other Benefits

As part of the Altitude Black offer you gain automatic access to the World program which has a range of travel benefits, it’s nothing groundbreaking so if you’re interested, check them out here. http://www.worldcard.mastercard.com/content/world/ap/en.html

Card Design

This is purely superficial, but I’m a sucker for great design and the Westpac Altitude Black certainly ticks that box. After the Amex Platinum Charge card, it’s arguably the best-looking credit card in Australia. Even though it’s plastic (metal credit cards, we need this!), it feels premium and has a nice matte finish complemented by a shiny silver Mastercard logo.

Am I Eligible?

Existing Westpac customers who currently hold an Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months are not eligible for this offer.

In Conclusion

Westpac Altitude Black is a great option to consider especially with the reduced annual fee and 80,000 bonus points, it makes a great companion to an American Express so you got all your bases covered when Amex isn’t accepted.

Full disclosure: Flight Hacks is a Westpac advertising partner and earns a small commission when you apply through the links on our website and get approved. This is at no extra cost to you. If you decide to use our partner links; thank you for your support!


Westpac Altitude Black Mastercard
Great sign up bonus for the $250 annual feeOne of the best uncapped Mastercards from April 4 (good for big spenders)
$5000 minimum spend requirement in 90 days
4.3Overall Score