--- title: "Altitude Black Rewards World Mastercard — Westpac" description: "Credit & Charge Cards from Westpac. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/westpac/products/CCAltBlackRewards source: "CDR Compare" language: en-AU last_updated: 2026-08-26T03:13:12Z --- # Altitude Black Rewards World Mastercard — Westpac > Credit & Charge Cards from Westpac. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Credit & Charge Cards** Our premium Altitude Rewards credit card gets you our highest Points earn rate, flexibility in how you redeem with Pay with Points, complimentary airport lounge access, insurances and more. ## At a glance - **Purchase rate:** 20.99% - **Annual fee:** $295.00 ## Apply Applications are handled by the provider: [Apply at Westpac](https://www.westpac.com.au/credit-cards/reward/altitude-black/summary) ## Interest rates | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Purchase (Interest on purchases · Interest free days may apply) | 20.99% | — | — | | Cash advance (Interest on cash advances · No Interest Free days) | 21.99% | — | — | ## Fees | Fee | Type | Amount | | --- | --- | --- | | Annual Card Fee — Charged yearly · $295 annual card fee · Discount −$295.00 — Reduced First year Card Fee - New (eligibility: Introductory period: Plus, a $200 first year card fee (reverts to $295 p.a. thereafter). This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.) · Discount −$295.00 — Existing Reduced First year Card Fee (eligibility: Introductory period: Already with Westpac? Sign in to apply for a $149 first year card fee. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.) | Ongoing | $295.00 | | Foreign Transaction Fee — Payable as a percentage of the Australian dollar value of any foreign transaction. Applies for transactions in a foreign currency, or in Australian dollars but processed by an overseas merchant or financial institution. Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia. | Transaction | 3% of transaction | | Cash Advance Fee | Cash advance | 3.5% of transaction | | Missed Payment Fee — $20 each statement cycle that the minimum monthly payment is not paid by the statement due date. | Late payment | $20.00 | | Overlimit Fee — $15.00 once per statement period if your credit card account was opened before 4 June 2012. No overlimit fee will be charged for personal credit card accounts opened on or after 4 June 2012. | Event | $0.00 | | Annual rewards program fee — Charged yearly | Ongoing | $0.00 | ## Instalment plans - **Plan splits** — 4 instalments - **Minimum plan value** — $100.00 ## Features - **Additional cards** — up to 1 (Earn points faster by adding one additional cardholder (16 years or older) at no extra cost.) - **Dedicated Westpac Concierge services are on-call 24/7 to fulfil your requests, from restaurant bookings and party planning, to tickets to your favourite game.** - **Westpac's Australian market-first Pay with Points feature will provide Westpac Altitude credit card customers with the flexibility to use their Altitude points to pay for their next (or all future) purchases, anywhere Mastercard is accepted. Customers can enable the Pay with Points feature in their Westpac Live App.** - **Interest-free period** — 45 days - **Digital wallet** — Garmin Pay (Tap and pay quickly and easily using Garmin Pay.) - **Digital wallet** — Apple Pay (Tap and pay quickly and easily using Apple Pay.) - **Digital wallet** — Google Pay (Tap and pay quickly and easily using Google Pay.) - **Digital wallet** — Samsung Pay (Tap and pay quickly and easily using Samsung Pay.) - **Click to Pay - Online shopping made quick, simple and secure with Click to Pay.** - **Digital banking** (Digital Card - Unlock extra protection using the dynamic CVC on your digital Westpac debit or credit card. Add it to your digital wallet or use it) - **Notifications** — Know what to pay when - Set up Card Autopay or SMS payment reminders so you can stay on top of your spend and repayments. - **Loyalty program** — Altitude Rewards (1 Altitude point per $1 spend on all other purchases. Once you spend $10,000 in a statement cycle, you will earn 0.5 Altitude points per $1 on further eligible purchases. New cards only. Refer to standard rates and fees.) - **Loyalty program** — Altitude Rewards (2 Altitude points per $1 on everyday spend. Once you spend $10,000 in a statement cycle, you will earn 0.5 Altitude points per $1 on further eligible purchases. New cards only. Refer to standard rates and fees.) - **Loyalty program** — Altitude Rewards (3 Altitude points per $1 on international spend. Once you spend $10,000 in a statement cycle, you will earn 0.5 Altitude points per $1 on further eligible purchases. New cards only. Refer to standard rates and fees.) - **Loyalty program** — Westpac Lounge on ShopBack (Explore ShopBack offers from the Westpac app, or earn bonus Cashback when you shop via the Westpac Lounge on ShopBack. Terms & Conditions applies.) - **Loyalty program** — Westpac Extras (Helpful cashback offers with Westpac Extras - Enjoy cashback to your account on eligible transactions from well-known and loved brands ? from department stores and supermarkets to petrol stations, travel partners and more. Subject to Terms & Conditions, eligibility criteria applies) - **Insurance included** — Complimentary insurance (Complimentary cover for 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. Subject to the terms and conditions set out in the Westpac Credit Cards Complimentary Insurance Policy.) - **Extra repayments** (The product includes extra repayments) - **Use our SmartPlan repayment planner to break large purchases or balances down into regular instalments while keeping interest-free days.** - **Uncapped rewards - The sky's the limit with no cap on earning points. Plus, earn points faster by adding one additional cardholder at no extra cost.** - **Instalment plan** (Westpac PartPay: Split purchases into 4 payments with PartPay. T&Cs applies.) - **Fraud protection** (Westpac Fraud Money Back Guarantee ensures that any unauthorised transaction claims will be reimbursed provided that the cardholder has not contributed to the loss and contacted us promptly.) - **Discounts on other products** — Priority Pass Membership, Qantas Club Complimentary Lounge Invitations & Virgin Australia Domestic Lounge Passes. Please visit FAQ & T&Cs in overview link for more details - **Bonus rewards** — 200000 (Get up to 200,000 bonus Altitude Rewards Points ? 100,000 Rewards Points in year 1 if you spend $12k+ on eligible purchases within 12 months of new card approval and an extra 100,000 points with $12k+ spend on eligible purchases in year 2. Offer not available if you?ve held an Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas or Velocity in the last 24 months. New cards only. T&Cs apply.) - **Minimum repayments : 2% of the closing balance outstanding, or $10; whichever is greater. If the closing balance is less than $10, it must be paid in full.** - **You can use your Card to make a Purchase or a Cash Advance or carry out a Balance Transfer from another Credit Card. You can use your Card in many places in Australia and around the world. Look for the Visa and Mastercard signs that match those shown on your Card. If your Card is accepted by a Merchant, branch or ATM provider you can use it to: Pay for Purchases, through payment terminals, e.g. at a shop, etc. online, within a mobile app, by telephone, through mail order Withdraw Cash, at an ATM, at a Bank branch.** - **Pay with Points: Use your Altitude Reward Points to pay for everyday or bigger purchases, you choose. Anywhere Mastercard� is accepted. Switch on and off in the Westpac App. T&Cs apply** - **Recurring payments - You may authorise a Merchant to charge recurring payments to your Card automatically without requesting your authorisation on each occasion.** - **Confirming and authorising transactions : There are a number of ways you may be able to confirm a transaction. These include: signing your name. Holding your Card in front of a contactless payment device. Entering your PIN. Entering your Card details and any other information required.** - **Gambling blocks : If you wish to limit access to gambling services through the Card Account, please call us or log into your online banking and activate gambling block in the Card Services menu.** - **Statements : We will issue a statement for the Card Account to you every month unless the account has a balance of $10 or less and there has been no account activity in that month. You can choose to receive statements by mail or electronically.** - **Want to bank with layers of defence? Explore the features of our everyday banking accounts. Start your banking today to find out how the Westpac Digital card with dynamic CVC can help protect you.** - **Tracking your points balance: Your Card statement will show for the period covered - your Altitude Points balance, including Points earned ** - **Make shopping and ordering online even more safe and secure with Westpac My Merchants. Westpac My Merchants lets you shop and order online without needing to share your card details, because your card number is replaced with a unique identification code called a 'digital token'. This digital token, which won't contain your personal information and is used by the merchant instead of your card number, helping protect you online.** - **Customers can access their eligible Westpac cards and Apple?s ID&V security features within Apple Wallet. T&Cs apply.** ## Eligibility - **Minimum age** — 18 years (18+ years old) - **Residency status** — Those having permanent residency in Australia/NZ OR being a non-resident or migrant and hold an acceptable Visa, with a minimum 1 year before expiry - **Minimum income** — $75,000.00 p.a. (Earn a minimum $75,000 per annum) - **Customer having a regular, verifiable Australian taxable income.** - **Customer having a fixed, verifiable residential address in Australia.** ## Constraints - **Minimum limit** — $6,000.00 - **Maximum limit** — $75,000.00 ## More information from Westpac - [Overview](https://www.westpac.com.au/credit-cards/reward/altitude-black) - [Terms & conditions](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-credit-card-terms-and-conditions.pdf) - [Eligibility](https://www.westpac.com.au/credit-cards/reward/altitude-rewards-black?fid=cp:salob:concc:pc:cta2) - [Fees & pricing](https://www.westpac.com.au/credit-cards/reward/altitude-rewards-black?fid=cp:salob:concc:pc:cta2) ## Data provenance - Published by Westpac under the Consumer Data Right - Product ID: `CCAltBlackRewards` - Last updated by the provider: 26 August 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/westpac/CCAltBlackRewards - Provider page: https://www.cdrcompare.au/brands/westpac - CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000002 --- Source: [CDR Compare](https://www.cdrcompare.au/brands/westpac/products/CCAltBlackRewards) — product data published by Australian data holders under the Consumer Data Right. 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