Westpac Altitude Black Review (2026)
Offer and details verified 17 May 2026
Rates can change without notice. Last verified: 17 May 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
Min spend (yr 1)
$12k
within 12 months
Current Offer (May 2026)
Westpac launched a new Altitude Black offer on 1 May 2026. The bonus points total increased from 160,000 to 200,000 — now split evenly across two years — making it 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)
- Qantas or Velocity variant: Additional $75/year Rewards Program fee
- Interest-free days: Up to 45 days on purchases
- Foreign transaction fee: $0 for first 12 months (then standard fee applies)
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 airline and hotel partner programs. Transfer partners include Qantas Frequent Flyer, Velocity Frequent Flyer, Singapore Airlines KrisFlyer, and Cathay Pacific Asia Miles, among others.
Transfer rates and 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.
Pros and Cons
Pros
- ✓ Highest Altitude Points bonus available — 200,000 pts
- ✓ $200 first-year fee (reduced from $295)
- ✓ $0 foreign transaction fees for 12 months
- ✓ 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
- ✗ 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 Black: 150,000 Qantas Points, $295 fee, $6k in 90 days
- Westpac Altitude Velocity Black: 150,000 Velocity Points, $295 fee, $6k in 90 days
- ANZ Frequent Flyer Black: 130,000 Qantas Points + $200 back, $425 fee, $5k in 3 months
- Amex Velocity Platinum: 50,000 Velocity Points, $440 fee, $5k in 3 months
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. An extra $75/year applies if you choose the Qantas or Velocity variant.
Can I transfer points to Qantas or Velocity?
Yes, with the Altitude Rewards variant. Points can be transferred to Qantas, Velocity, Singapore Airlines KrisFlyer, and Cathay Pacific Asia Miles among others. For direct earning, consider the Altitude Qantas Black or Velocity Black variants.
Information is general in nature and may change without notice. Offer details verified 17 May 2026. Confirm current offer, fees, and eligibility on Westpac's website before applying. This is not financial advice.