| Rewards | Altitude Rewards — earn up to 3 Altitude Points per A$1: 3 points on international spend, 2 points on everyday spend, and 1 point on other eligible purchases. |
|---|---|
| Signup Bonus | Up to 200,000 bonus Altitude Rewards Points — 100,000 points after spending A$12,000 in the first 12 months, plus another 100,000 after A$12,000 in the second year. Current offer also reduces the first-year card fee to A$200. |
| Annual Fee | A$295 per year |
| Cardmember Agreement | View Here |
| Cash Advance APR | 21.99% p.a. variable. |
| Cash Advance Fee | 3.5% of the cash advance amount. |
| Late Payment Fee | A$20 per statement cycle when the minimum payment is not made by the due date. |
| Purchases APR | 20.99% p.a. variable. |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Westpac Altitude Black Credit Card is a premium Australian rewards card known for its Altitude Rewards points, travel-related benefits and substantial introductory offers, although it comes with a fairly high annual fee.
Most users say the rewards can be worthwhile for people who put a lot of spending through the card. Many reviewers mentioned enjoying the ability to redeem points for gift cards, travel and other rewards, while some appreciated the included travel benefits.
The biggest complaints focus on customer service and account administration. Several reviewers reported long call wait times, slow transaction processing, problems with rewards or bonus points, and frustration when resolving account issues.
Personally, I think this card makes the most sense for frequent spenders who can comfortably offset the annual fee through rewards and travel benefits. If you mainly want simple rewards and easy customer service, the reported service issues and fees may make other cards worth considering.
RATE THIS CREDIT CARD
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Bro sorry, but some error occurred :O
M
decent perks
The points do feel useful when I travel or spend big, and the travel insurance perk is a nice plus. But the annual fee and foreign transaction charges make me think twice before using it abroad, so it's good, but only if you use it enough to justify the cost.
