Altitude Rewards Black

Altitude Rewards Black

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Westpac · MASTERCARD

The Altitude Rewards Black is a credit card from Westpac on the MASTERCARD network. It has an annual fee of A$295.

Verified 12 Sept 2026

Key facts

Annual fee
A$295
Purchase APR
20.99% p.a.
Foreign transaction fee
3%
Network
MASTERCARD

Benefits and perks

  • Already with Westpac?. Sign in to apply and get a $149 first year card fee (reverts to $295 p.a. thereafter)
  • Complimentary Insurances. Access to Interstate Flight Inconvenience Insurance and Rental Vehicle Excess in Australia cover, up to 6 months' complimentary cover for international travel insurance, plus extended warranty, purchase protection for up to 4 months and overseas transit accident insurance (terms, conditions, exclusions and eligibility criteria apply).
  • Complimentary Lounge passes. Relax before you fly with 2 complimentary Priority Pass airport lounge passes each year, one of which you can share with your travel companion.
  • Up to 45 days interest-free. To give you more opportunity to avoid interest charges on your purchases. Note cash advances aren’t covered by this interest-free period.
  • Personal Concierge Service. Exclusive to Westpac Altitude Black cardholders, the Personal Concierge Service lets you browse and book experiences online, including hard-to-get tickets, last-minute restaurant bookings and more. Find out more
  • Cashback and discounts. With a Westpac credit card, you'll get personalised cashback offers from Westpac Extras, Westpac bonus Cashback when you shop via the Westpac Lounge on ShopBack, plus other discounts and offers from a wide range of shops, in-store and online.​
  • Tools to stay on top. These include options like PartPay, SmartPlan, Balance Transfers, Card Autopay and SMS payment reminders.
  • Additional cardholder. Add 1 additional cardholder (16 years or older) at no extra cost.
  • Minimum income required: $75,000 p.a.

Questions about the Altitude Rewards Black

What is the annual fee on the Altitude Rewards Black?

The Altitude Rewards Black has an annual fee of A$295.

Is the Altitude Rewards Black worth it?

The Altitude Rewards Black is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.

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