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Westpac Altitude Black

Westpac Altitude Black

Altitude Qantas, Altitude Rewards, Altitude Velocity (See All)
2.8 from 86 reviews · View Statistics
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Pros

Uncapped points earning
Lounge passes and travel insurance included

Cons

Annual fee is not inclusive of Velocity or QFF membership fee
$75,000 minimum income required

Details

Compare all 6 Westpac Altitude Black
Pros
    150,000 bonus Altitude points when you spend $4,000 on eligible purchases within 90 days of new card approval
    Uncapped points earning
    Lounge passes and travel insurance included
    Uncapped points earning
    Lounge passes and travel insurance included
    Earn up to 120,000 bonus Qantas Points
    Uncapped points earning
    Lounge passes and travel insurance included
    Receive both a Westpac Altitude Black Mastercard and an American Express Westpac Altitude Black Card
    Uncapped points earning
    Lounge passes and travel insurance included
Cons
Annual fee of $250
Minimum credit limit of $15,000 may be too high for you
$75,000 minimum income required
Annual fee of $250 + Velocity joining fee
$75,000 minimum income required
Annual fee of $250 + QFF joining fee
$75,000 minimum income required
Total annual fee of $449
$75,000 minimum income required
May be hard to juggle the different rates and conditions of two cards
CategoryBalance Transfer Credit Cards and Rewards Credit CardsRewards Credit CardsRewards Credit CardsRewards Credit Cards
Card TypeMastercardMastercardMastercardAmerican Express
BenefitsSign-Up Bonus Points OfferComplimentary Travel Insurance and Sign-Up Bonus Points OfferComplimentary Travel Insurance and Sign-Up Bonus Points OfferComplimentary Travel Insurance and Sign-Up Bonus Points Offer
Minimum Credit Limit $15,000.00$15,000.00$15,000.00$3,000.00
Maximum Credit Limit $75,000.00$75,000.00$75,000.00$75,000.00
Minimum Income $75,000.00$75,000.00$75,000.00$75,000.00
Additional Cardholders 1111
Additional Cardholder Fee $0.00 p.a.$0.00 p.a.$0.00 p.a.$0.00 p.a.
Minimum Repayments2%2%2%2%
Rewards ProgramWestpac Altitude RewardsVelocity Frequent FlyerQantas Frequent FlyerWestpac Altitude Rewards
Points Earn Rate 1.25 points per $10.75 points per $10.75 points per $13 points per $1
Points Conditions
  • Earn 2 points per dollar spent at Spotify Premium, David Jones, Myer, THE ICONIC, Airbnb, Uber and Uber Eats.
  • Earn 1.25 points per dollar on all other eligible purchases.
  • You can also earn additional Altitude Points with selected airlines. There is no cap on earn rate.
  • 0.75 Qantas points per $1 spent on eligible purchases.

There is no cap on earn rate.

  • 3 points per $1 spent in Australia, excluding government bodies.
  • 5 points per $1 spent in foreign currency.
  • 1 point per $1 spent at government bodies in Australia. There is no cap on earn rate.
Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung PayApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung PayApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung PayApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Rates & Fees
Purchase Rate20.49% p.a.20.49% p.a.20.49% p.a.20.24% p.a.
Cash Advance Fee2%2%2%2%
Late Payment Fee$15.00$15.00$15.00$15.00
Annual Fee$250.00 p.a.$250.00 p.a.$250.00 p.a.$199.00 p.a.
Foreign Transaction Fee 3%3%3%3%
Interest Free Period 45 days45 days45 days45 days
Cash Advance Rate21.49% p.a.21.49% p.a.21.49% p.a.21.49% p.a.
Introductory Offers
Sign-Up Bonus

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 months18 months18 months
Balance Transfer Rate 0% p.a.0% p.a.0% p.a.
Balance Transfer Fee 1%1%1%
Compare all 6 Westpac Altitude Black
Visit official website

Reviews

  • Transparency
    3.2 (53)
  • Customer Service
    3.2 (56)
  • Rates and Fees
    2.8 (52)
  • Rewards
    3.7 (52)
  • Online Experience
    3.3 (53)
  • Application Process
    3.4 (46)
Previous
Next

Total scam card! Worst customer service

published
Transparency
1/5
Customer Service
1/5
Similar opinion? Write a review on ProductReview.com.au!

Under trained customer service agents with very little product understanding

published

Each time you'll speak with a consultant they will utter something very different.
Bonus points qualification takes ages, plus they have no idea which offer you signed up to.

Really bad customer service.

Transparency
1/5
Customer Service
1/5
Similar opinion? Write a review on ProductReview.com.au!
James Turner
James TurnerSouth East Queensland, QLD

Benefits OK , but the application process is a Westpac Masterclass in poor customer service

published
Transparency
2/5
Customer Service
1/5
Similar opinion? Write a review on ProductReview.com.au!

Terrible service!

published

Ordered the Samsung smart tv back in November 2021. I have never received a phone call or email to state that there is a delay with this product. After ringing a few times I received a letter to state expected delivery would be 25/2/22. Today (1/3/22) I phoned to see where it’s at & simply got told my order has been canceled & points will be returned. No communication whatsoever. Waiting over three months with no outcome. Poor service!

Transparency
1/5
Customer Service
1/5
Similar opinion? Write a review on ProductReview.com.au!
Rewards Credit Cards

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BeccyO
BeccyOGreater Melbourne (Metropolitan), VIC
  • 4 reviews

Cancelled my card - not a premium card

published

I have held Platinum Amex’s overseas and enjoyed the service. Ordered this card to achieve an alternative to my AMEX but the customer service was farcical. Cancelled card as was so un-satisfied. Not a premium card and not worth it

Transparency
1/5
Customer Service
1/5
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Swati
Swati
  • 2 reviews

Black altitude travel insurance claim

published

Westpac Black altitude complimentary travel insurance is all scam. They will find some excuses and say no to you when you try to claim the insurance. They are very inconsiderable.

Transparency
1/5
Customer Service
3/5
Similar opinion? Write a review on ProductReview.com.au!
NNair
NNairCountry NSW
  • 77 reviews
  • 31 likes

Was great until Auto Pay and INterest charges

published

Very poor customer service. Keep charging me interest and they cant work out why since i pay way more than my due each month. Their auto payment pays full amount even if you have paid some off already, so once is charge me 8k even though I just paid 8k. Been with them for 20 years and now looking for another. Spend about 100k on this but they cant seem to work out a simple billing issue.

Transparency
1/5
Customer Service
1/5
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Next
Akane G.
Akane G.South East Queensland, QLD
  • 5 reviews
  • 3 likes

Nice looking card but rewards system poor

published

Hard to get e gift cards in under 4 hours.
Poor cuts service when ringing up.
Bank not interested in this product anymore.
Would not recommend their Service if in a hurry

Transparency
1/5
Customer Service
2/5
Similar opinion? Write a review on ProductReview.com.au!
Murrayks
MurrayksSydney Surrounds, NSW

Don't sign up - they have descended into rubbish

published
Transparency
1/5
Customer Service
1/5
Similar opinion? Write a review on ProductReview.com.au!
Rewards Credit Cards

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Punny
PunnyGreater Melbourne (Metropolitan), VIC
  • 4 reviews

Useless card with a lack of benefits

published

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.

Transparency
1/5
Customer Service
1/5
Similar opinion? Write a review on ProductReview.com.au!
Anonymous
AnonymousSydney, NSW

Poor over the phone service with broken telephony system

published
Transparency
1/5
Customer Service
1/5
Similar opinion? Write a review on ProductReview.com.au!
Amanda C.
Amanda C.Perth, WA

Dodgy Price Guarantee

published

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.

Transparency
2/5
Customer Service
2/5
Similar opinion? Write a review on ProductReview.com.au!
Rewards Credit Cards

Find out how Westpac Altitude Black compares to other Rewards Credit Cards

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Fel
Fel Perth, WA

The worse customer support

published

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

Incentivised Review No
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Kbkb
KbkbSydney, NSW

Ridiculous frustrating application process via Manila Call Centre.

published
Transparency
1/5
Customer Service
1/5
Similar opinion? Write a review on ProductReview.com.au!
Moe
MoeCanberra Central 2601, ACT
  • 6 reviews
  • 8 likes

Awful customer support - Just terrible..

published

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.

Transparency
1/5
Customer Service
1/5
Similar opinion? Write a review on ProductReview.com.au!

Questions & Answers

Goose
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Altitude Black

How do I activate my new card?

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Westpac Altitude Black

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