From 30 September 2026, we're making changes to some Westpac Credit Card fees and rates, including updates to the Rewards Points program. Find out more
From 1 October 2026, we’re making changes to the Westpac Credit Cards Complimentary Insurance Policy. Find out more
You could earn up to 150,000 bonus Qantas Points[#]
See full offer details below.
Get up to 150,000 bonus Qantas Points[#] — 90,000 Qantas Points in year 1 if you spend $6k+ on eligible purchases[#] within 90 days of new card approval and an extra 60,000 points with $6k+ spend on eligible purchases[#] within 90 days of card anniversary in year 2.
Already with Westpac? Sign in to apply and get a $200 first year card fee (reverts to $295 p.a. thereafter)[#].
Offer not available if you’ve held a Westpac credit card in the last 24 months. New cards only. Credit criteria and T&Cs apply.
| New cards only. | |
| Variable purchase rate | 20.99% p.a. |
| Variable cash advance rate | 21.99% p.a. |
| Minimum credit limit | $6,000 |
| Minimum income required | $75,000 p.a. |
| New cards only. | |
| Annual card fee | $295 |
| Annual Altitude Qantas Rewards Program fee | $75 |
| Foreign transaction fee | 3% 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. More about this fee. |
| Cash advance fee | 3.5% of the value of the transaction will apply to each cash advance made on your card account. These charges will appear on your credit card statement directly below the relevant cash advance. |
| Missed payment fee | $20 each statement cycle that the minimum monthly payment is not paid by the statement due date. |
For more information about credit card fees.
If you choose Altitude Qantas, you are eligible for 2 Complimentary Invitations per year after you spend on eligible selected Qantas products and services[#] each year using your Altitude Black Mastercard. You must first register and opt in to take advantage of this feature.
Register and opt in
International Travel Insurance[#](see policy for details)
Access up to 6 months' complimentary cover for International Travel Insurance when you meet the eligibility criteria as set out in the Credit Card Complimentary Insurance Policy including prepaying $500 of your travel costs to your eligible card and holding a return overseas ticket before departing Australia, (see policy document for full eligibility criteria, terms, conditions, and exclusions).
Overseas Transit Accident Insurance[#]
Overseas Transit Accident Insurance covers against specified accidental death or injury when sustained overseas while riding, boarding or alighting as a passenger in a plane, bus, train or shorthaul ferry when you have purchased the tickets for the entire trip using your Credit Card before you leave (terms, conditions, exclusions and eligibility criteria apply).
Purchase Protection Insurance[#]
Access to up to 4 months Purchase Protection Insurance on eligible purchases, as set out in the Credit Card Complimentary Insurance Policy (terms, conditions, exclusions and eligibility criteria apply).
Extended Warranty Insurance[#]
Up to 24 months extended warranty insurance cover (in addition to the manufacturer's expressed Australian warranty) on a range of personal items purchased using your Credit Card (terms, conditions, exclusions and eligibility criteria apply).
Our 'everyday spend' category consists of 5 sub-categories: supermarkets, department stores, petrol stations, dining and utilities. Below is a list of examples of merchants included in these 5 categories:
- Supermarkets include stores such as Woolworths, Coles, IGA, Harris Farm and ALDI
- Department stores include stores such as Kmart, Target, Big W, David Jones and Myer
- Petrol stations include stores such as 7-Eleven, Shell, Ampol, Caltex and BP
- Dining includes restaurants, cafes, fast food, bars, hotels and entertainment venues
- Utilities include payments for water, gas, electricity, internet, mobile and streaming services (excluding BPAY® payments).
- product-service:credit-cards/altitude-rewards-black
- product-service:credit-cards/altitude-velocity-black
- product-service:credit-cards/altitude-qantas-platinum
- product-service:credit-cards/altitude-rewards-platinum
- product-service:credit-cards/altitude-velocity-platinum
Concierge Services for Altitude Black. Concierge services are provided by a third party supplier. For further details including terms and conditions visit westpac.tenconcierge.com.
Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
BPAY® is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518.