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Westpac Altitude Black
Altitude Qantas, Altitude Rewards, Altitude Velocity (See All)Pros
Cons
Details
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|---|---|---|---|---|
| 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
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| 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 | $15,000.00 | $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 | 1 | 1 | 1 | 1 |
| Additional Cardholder Fee | $0.00 p.a. | $0.00 p.a. | $0.00 p.a. | $0.00 p.a. |
| Minimum Repayments | 2% | 2% | 2% | 2% |
| 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 |
| Points Conditions |
|
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 | $15.00 | $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 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. |
| 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 months | 18 months | 18 months | |
| Balance Transfer Rate | 0% p.a. | 0% p.a. | 0% p.a. | |
| Balance Transfer Fee | 1% | 1% | 1% | |
This westpac card should be investigated by the relevant authorities. Altitude rewards centre customer care cannot even resolve my missing bonus points claim and send me proof why I was not given the 90,000 bonus points for $ 4000 purchase. Waited more than an hour on a call to get the terms I signed which can be tallied with my purchases I made so that they can tell me that this purchase was not a valid one. When the customer care agent read out the terms there were no purchases I made that were not part of the eligible purchases. When asked f...
Read moreor a written confirmation they said they cannot provide one that they are looking into this for me. I have had three other Qantas rewards cards before this from other Big 4 banks with similar purchases and never had any issues getting bonus points.
Under trained customer service agents with very little product understanding
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.
Benefits OK , but the application process is a Westpac Masterclass in poor customer service
QFF 90k points for signup is good. The next 30k for staying a second year (and paying $300) is not good. value. As usual, they're banking (ha!) on customer inertia to make their money.
0.75 points for subsequent transactions is below par value - they're hoping you focus on the signup bonus.
The application process is, as you'd expect, a bureaucratic mess.. Entering the data is easy, but that's the simple part. I bet Westpac considers this bit a tech triumph but there are 10 Fintechs who do it better.
I applied, did the verification, ...
Read moreand got an email confirming submittal. Success!. But no. I was sent an email saying it was only 80% complete and to log back in and finish it. So I did. Five more times! Gave up and called the help number, expecting a long delay and Westpac didn't disappoint with a 45 minute wait. Reminder, they are trying to sell me a product but making it very difficult.
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!
Find out how Westpac Altitude Black compares to other Rewards Credit Cards
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- 4 reviews
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
- 2 reviews
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.
- 77 reviews
- 31 likes
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.
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- 5 reviews
- 3 likes
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
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 ...
Find out how Westpac Altitude Black compares to other Rewards Credit Cards
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- 4 reviews
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...
Read moreut 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".
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.
Find out how Westpac Altitude Black compares to other Rewards Credit Cards
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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...
- 6 reviews
- 8 likes
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.
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