
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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