Westpac Altitude Black Review (2026)
Westpac Altitude Black Review (2026)Offer and details verified 1 October 2026
Rates can change without notice. Last verified: 1 October 2026 (AEST). Please confirm details on the bank’s official page.
Bonus points
200,000
Altitude Points (100k + 100k)
Annual fee
$295
$200 first year + $75 Altitude Rewards
Min spend (yr 1)
$12k
within 12 months
Westpac changed this card on 30 September 2026. It now charges a yearly Altitude Rewards program fee on top of the card fee, and the purchase rate went up. Earn rates stayed the same. Westpac also announced weaker transfer ratios to Velocity, KrisFlyer and other airline partners from the same date. We haven't been able to confirm the new ratios on Westpac's site, so check them with Westpac before you transfer points.
Current Offer
Westpac's current Altitude Black offer started on 1 May 2026. The 200,000 bonus points are split across two years, and it's the highest Altitude Points offer available.
| Milestone | Bonus points | Requirement |
|---|---|---|
| Year 1 bonus | 100,000 pts | Spend $12,000 within 12 months of approval |
| Year 2 bonus | 100,000 pts | Spend $12,000 within 90 days of card anniversary |
| Total | 200,000 pts | Over 2 years |
Fees
- First-year card fee: $200 (then $295/year ongoing)
- Altitude Rewards program fee: $75/year (on top of the card fee)
- Qantas or Velocity variant: $155/year Rewards Program fee instead
- Interest-free days: Up to 45 days on purchases
Altitude Points — What Are They Worth?
Altitude Points can be redeemed through the Altitude Rewards portal for flights, hotel stays, gift cards, and merchandise — or transferred to partner programs. Transfer partners include Velocity Frequent Flyer, Singapore Airlines KrisFlyer, Air New Zealand Airpoints, Cathay Pacific Asia Miles and Everyday Rewards. Qantas is not a transfer partner.
Westpac announced weaker transfer ratios from 30 September 2026, and we haven't been able to confirm the new figures, so check the current ratio with Westpac before transferring. Point values vary by partner and redemption. As a rough guide, 200,000 Altitude Points transferred to a frequent flyer program could represent a significant portion of a business class flight depending on the partner and route.
Ongoing Earn Rates
| Spend | Altitude Points per $1 |
|---|---|
| international spend | 3 pts |
| everyday spend (supermarkets, department stores, petrol, utilities) | 2 pts |
| all other purchases, including dining | 1 pt |
| Beyond $10,000 spend per statement cycle | 0.5 pts |
Getting Qantas Points with this card
Altitude Points don't convert to Qantas Points — Qantas earning is offered through a separate variant of this card. Read our review of the Qantas variant →
Points transfer partners
- Velocity Frequent Flyer
- Singapore Airlines KrisFlyer
- Air New Zealand Airpoints
- Cathay Pacific Asia Miles
- Everyday Rewards
Transfer partner terms (and any joining fees) are set by each program; conversion rates without a figure aren't published by the provider — check before transferring.
Perks and Extras
| Lounge access | 2 Priority Pass visits a yearRegister your Altitude Black card (Altitude Rewards option) |
| Travel insurance | IncludedComplimentary; cover, limits and activation rules are set by the issuer |
| Concierge | Included |
| Foreign transaction fee | Not stated |
- Up to 6 months' international travel insurance cover
- Extended warranty and purchase protection insurance
Perks as listed on Westpac's card page on 10 September 2026. Eligibility, registration steps and cover limits are set by the issuer and can change.
Pros and Cons
Pros
- ✓ Highest Altitude Points bonus available — 200,000 pts
- ✓ $200 first-year fee (reduced from $295)
- ✓ Priority Pass lounge access included
- ✓ Complimentary insurances (travel, purchase protection)
- ✓ Flexibility — points transfer to multiple airlines
Cons
- ✗ High spend threshold — $12,000 in 12 months
- ✗ Year 2 bonus requires another $12k in 90 days
- ✗ $295 ongoing annual fee after year 1
- ✗ $75/year Altitude Rewards program fee on top of the card fee
- ✗ Westpac announced weaker airline transfer ratios from 30 September 2026
- ✗ Not available if you've held eligible Westpac Altitude/Earth cards in the last 24 months
- ✗ High interest rate if you carry a balance
Eligibility
- Must be a new Altitude Black cardholder
- Not available if you've held an eligible Westpac Altitude or Earth card in the last 24 months
- Standard Westpac credit criteria apply
- Offer commenced 1 May 2026 — may be varied or withdrawn at any time
How It Compares
- Westpac Altitude Qantas Black150,000 pts — Qantas Points, $295 fee plus $155 program fee, earns Qantas Points directly
- Westpac Altitude Velocity Black150,000 pts — Velocity Points, $295 fee plus $155 program fee, earns Velocity Points directly
- ANZ Frequent Flyer Black100,000 pts — Qantas Points, $425 fee, bonus split over two years
- American Express Velocity Platinum100,000 pts — Velocity Points, $440 fee, bonus offer with an end date
Compare head-to-head
Related guides
FAQs
How do I earn the 200,000 bonus points?
100,000 points for spending $12,000 within 12 months of approval. A further 100,000 points in year 2 for spending $12,000 within 90 days of your card anniversary.
What is the annual fee?
$200 in year 1, then $295/year ongoing, plus a $75/year Altitude Rewards program fee. The Qantas and Velocity variants charge a $155/year program fee instead.
Can I transfer points to Qantas or Velocity?
Velocity yes — along with KrisFlyer, Airpoints, Asia Miles and Everyday Rewards. Qantas no: Altitude Points don't transfer to Qantas, so Qantas collectors should take the Altitude Qantas Black variant, which earns Qantas Points directly. Westpac announced weaker transfer ratios from 30 September 2026, so check the current ratios with Westpac before you transfer.
Information is general in nature and may change without notice. Offer details verified 1 October 2026. Confirm current offer, fees, and eligibility on Westpac's website before applying. This is not financial advice.