Uncapped points earning
Lounge passes and travel insurance included
Annual fee is not inclusive of Velocity or QFF membership fee
$75,000 minimum income required
|Category||Balance Transfer Credit Cards and Rewards Credit Cards||Rewards Credit Cards||Rewards Credit Cards||Rewards Credit Cards|
|Card Type||Mastercard||Mastercard||Mastercard||American Express|
|Benefits||Sign-Up Bonus Points Offer||Complimentary Travel Insurance and Sign-Up Bonus Points Offer||Complimentary Travel Insurance and Sign-Up Bonus Points Offer||Complimentary Travel Insurance and Sign-Up Bonus Points Offer|
|Minimum Credit Limit||$15,000||$15,000||$15,000||$3,000|
|Maximum Credit Limit||$75,000||$75,000||$75,000||$75,000|
|Additional Cardholder Fee||$0 p.a.||$0 p.a.||$0 p.a.||$0 p.a.|
|Rewards Program||Westpac Altitude Rewards||Velocity Frequent Flyer||Qantas Frequent Flyer||Westpac Altitude Rewards|
|Points Earn Rate||1.25 points per $1||0.75 points per $1||0.75 points per $1||3 points per $1|
There is no cap on earn rate.
|Contactless Payments||Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay||Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay||Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay||Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay|
|Rates & Fees|
|Purchase Rate||20.49% p.a.||20.49% p.a.||20.49% p.a.||20.24% p.a.|
|Cash Advance Fee||2%||2%||2%||2%|
|Late Payment Fee||$15||$15||$15||$15|
|Annual Fee||$250 p.a.||$250 p.a.||$250 p.a.||$199 p.a.|
|Foreign Transaction Fee||3%||3%||3%||3%|
|Interest Free Period||45 days||45 days||45 days||45 days|
|Cash Advance Rate||21.49% p.a.||21.49% p.a.||21.49% p.a.||21.49% p.a.|
150,000 bonus Altitude Points when spend $4,000 on eligible purchases within 90 days from card approval.
Receive 120,000 bonus Velocity points when you spend $4,000 on eligible purchases within 90 days of card approval. Receive an additional 30,000 bonus points after making the first eligible purchase in the second year of your card account being active.
Receive 90,000 bonus Qantas points when you spend $4,000 on eligible purchases within 90 days of card approval. Receive an additional 30,000 bonus Qantas points after making the first eligible purchase in the second year of your card account being active.
150,000 bonus Altitude Points when you spend $4,000 on eligible purchases within 90 days from card approval.
|Balance Transfer Rates|
|Balance Transfer Period||18 months||18 months||18 months|
|Balance Transfer Rate||0% p.a.||0% p.a.||0% p.a.|
|Balance Transfer Fee||1%||1%||1%|
Don't sign up - they have descended into rubbish
Don’t sign up for this card – it is no longer a priority service.
As a Westpac Black MasterCard customer, I naïvely assume I will get priority.
In the past week, I have called the Westpac Altitude Travel Rewards Centre on 1300 887 820, the phone number on the Altitude Rewards site.
There is a disclaimer for about 1 minute, followed by the option to input a card number. Then the options are to select OPTION 1 for Rewards. I do so. The call then states ‘You will be transferred to the first available consultant’ or similar, then the wait music ...
Useless card with a lack of benefits
I have had this card for over 20 yrs and the benefits of it are it is not really worth having. Westpac now say no points for govt spend, meaning any govt spend, so all of my bills I was paying suddenly gives me no points. This would have to be the worst card for a $250 fee with measly benefits. I was a customer for over 20 yrs but no more I will be cancelling this card and moving banks.Westpac start treating your customers with respect instead of taking all the time it wouldn’t be bad on your end to give something back.
Poor over the phone service with broken telephony system
In the past 6 weeks I have called the ''Westpac Altitude Travel Rewards Centre on 1300 887 820'' being the phone number in the recent travel rewards emails. When I call that number, there is a disclaimer for about 1 minute, followed by the option to input a card number. After that the telephone system options are to select OPTION 1 for Rewards or OPTION 2 for Travel Rewards. I select option 2. After this a consultant answers, I ask to make a travel booking, the consultant tells me they need to transfer me to a travel rewards consultant. They p...ut me back in the queue, then sometimes I get a travel consultant or end up with another General Rewards consultant where this frustrating loop happens again. Each time I have called, I tell the consultants this issue, and they say they will tell someone about it. Now, being about 6 weeks later, it is still happening, and each consultant does not make an attempt to go "above and beyond" to fix it. Each of the consultants in the rewards team I spoke to had an "I don't care" tone and wanted to quickly move me along and did not offer any interest to actively resolve with a customer service commitment. The result of this looping process is waiting on average 25 minutes to be spoken with and that's after I've already looped through once or twice because someone else's call gets ahead in the queue. I spoke to another consultant, and I took a different approach and told him about the issue - I explained how frustrating it is very time I call. He also tried to palm me off back to the same queue I came from, however this time I asked if I could speak to someone who can take my complaint, after some back and forward discussion, he said he will do that and out me on hold and didn't return for about 20 minutes to tell me his "manager must be in a meeting".
Dodgy Price Guarantee
Allianz (the insurer) has worded the policy so that only printed catalogues advertising a price drop is guaranteed. Stores advertise via email and online now, this isn't taken into account.
The worse customer support
I have redeemed a gift card for $100 dollars from them which was never delivered. I have reached Customer Service and I was told that the collection period had expired and they can no longer deliver it. Had no idea there was a collection step in the process, I thought it was simply sitting in my account. I asked Customer Service to clarify where should I have read about the collection rules, however I never heard back
Ridiculous frustrating application process via Manila Call Centre.
Absolute frustration dealing with Westpac credit card application,- Incompetence from both Manila Call Centre, incompetence & lack of initiative from "verification Centre" which I'm told is in Sydney.
Repeated requests for substantiation documents.
Repeated requests for 'Loan closure" letters from WPC verifcations... that CBA tell me do not exist as they only send out a LOAN CLOSURE STATEMENT.
More than 40 pieces of verification information sent to "applications" and 3 weeks later they still ask for same info.- payslips requested numerous time...
Awful customer support - Just terrible..
I redeemed a gift card for $50.00 however they sent it to my old address despite me changing my address prior to purchase/redemption.
Furthermore, this was supposed to be an online Gift card, as in they send the Gift card to my email NOT physical address..
When I called to see what was happening, the person I spoke with noted my address incorrectly by one digit which has cause other issues..
What really takes the cake though is the copy and paste answer from their complaints team (all of three lines) advising 'Rules were the rules' and there is nothing that can be done.
It's like they didn't even read the issue prior to sending the three sentence garbage response.
Ok Points - still no Apple Pay
Everything keeps listing this card as having Apple Pay. Westpac DO NOT support Apple Pay. This is still a major draw back for Westpac issued cards.
As it is a part of my home loan package the annual fee is waived. Which is good.
Good card, but application process was a nightmare
Applied for this credit card back in June. They lost my application and required me to go through a number of very inconvenient steps more than once because of an error on their end. Card is okay for everyday use, but don't plan on taking it overseas.
Great card but avoid using overseas
Overall, quite happy with this card. I signed up during a promo period. My applicaiton got bounced around for a while and there was a lot of confusion on their end. Eventually, when it arrived, it turned out to be pretty decent. However, do not use for overseas purchases or foreign transactions as there is a steep fee.
7 months in and no reward even though i met requirements. READ FINE PRINT!!
So after hours of Westpac pushing my calls to Qantas and vice versa for hours yesterday, today i get a response from Westpac to say that because i held a credit card within 12months prior to signing up with this new card, i am no eligible for the reward points. They say i should have read the terms and conditions. Emails to encourage your to join to received reward points. Nothing but a Scam.. After 2 decades, it is time for me to change banks and shop for one that are at least honest. Shame on you Westpac.
Perfect card, great mix of perks and rewards
The bundle with Amex for higher points earning is great, there are not many cards left out there with this option. The black card has the highest earn rate of any major banks out there, and the conversion to Qantas points is great.
Easy to accumulate and use points
Qantas lounge passes are a nice bonus. It's easy to earn and use points. Must have income of $75,000+. Should not have such a high annual fee based on this criteria. Happy with card in general.
Good credit card
The card came with the home loan package with no annual fee and bonus point at the time of application. It is an easy process to redeem points. Easy to use and manage once set up.
It was actually really good
I managed to get 120000 qantas frequent flyer points by signing up to this credit card and then kept it for a year after. No issue receiving points, and good points per $ spent.
The reviewer stated that an incentive was offered for this review
Other Rewards Credit Cards
ProductReview.com.au has affiliate partnerships. These do not influence our content moderation policies in any way, though ProductReview.com.au may earn commissions for products/services purchased via affiliate links.