Altitude Black Rewards World Mastercard
Our premier credit card that provides access to a credit facility to make payments and perform transactions, and offers the ability to earn Altitude Points and receive travel related benefits.
- Purchase rate
- 20.99%
- Annual fee
- $295.00
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
| 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 |
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.
Eligibility
- Minimum age — 18 years18+ 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
Published by Westpac under the Consumer Data Right · Last updated 13 July 2026 · Product ID CCAltBlackRewards · View on CDR.gov.au