2Westpac Altitude Black

Westpac Altitude Black

2Westpac Altitude Black
2.6

95 reviews

PositivevsNegative
33%19%48%

Transparency
2.9
Customer Service
2.9
Rates and Fees
2.7
Rewards
3.3
Online Experience
2.9
Application Process
3.2
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
Brand Manager for Westpac? Claim your listing.

Details

Compare all Westpac Altitude Black listings
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
    Earn up to 120,000 bonus Qantas Points
    Uncapped points earning
    Lounge passes and travel insurance included
    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 + QFF joining fee
$75,000 minimum income required
Annual fee of $250 + Velocity joining fee
$75,000 minimum income required
Total annual fee of $449 + QFF joining fee
$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$15,000$15,000$3,000
Maximum Credit Limit $75,000$75,000$75,000$75,000
Minimum Income $75,000$75,000$75,000$75,000
Additional Cardholders 1111
Additional Cardholder Fee $0 p.a.$0 p.a.$0 p.a.$0 p.a.
Minimum Repayments2%2%2%2%
Rewards ProgramWestpac Altitude RewardsQantas Frequent FlyerVelocity Frequent FlyerQantas Frequent Flyer
Points Earn Rate 1.25 points per $10.75 points per $10.75 points per $11.25 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.

  • 1.25 points per $1 spent in Australia.
  • 2 points per $1 spent in foreign currency.
  • 0.5 points per $1 spent at government bodies in Australia.
  • Earn 1 additional Qantas Point for every $1 spend on selected Qantas products and services 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$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 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 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.

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.

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%
Visit official website

Reviews

95 reviews
AD S.
AD S.Sydney, NSW17 posts
  Altitude Black - Velocity Frequent Flyer Mastercard
Vincent B.
Vincent B.6 posts
  Altitude Black - Altitude Rewards Mastercard
Steve
Steve17 posts
  Altitude Black - Altitude Rewards Mastercard

Scam. Don’t get this card

I travel a few times a year so I mainly got this card for the free travel insurance. Checked that it was valid on the Allianz site and followed the prompts and was still charged. Allianz have stopped replying and Westpac are just giving me the run around. Clearly just scamming people out of their money. Show details
Application Process
Drewanna
DrewannaGreater Melbourne (Inner), VIC2 posts
  Altitude Black - Altitude Rewards American Express Bundle

Multiple bad experiences

Experience #1:
Made a hotel booking using 180,000 points, had to change last minute due to hospitalisation. Refused to refund the points even though the hotel's policy had a medical clause. I sent them medical letters etc. but no one has done anything about it.

Experience #2:
Lost over 200,000 points due to points expiring after they changed products and cancelled the American Express bundle - I was never told about points expiring but they are all gone now.

0/10 experience. Never again. Show details

Transparency
Customer Service
Warnaka A.
Warnaka A.
  Altitude Black - Velocity Frequent Flyer Mastercard

Altitude Travel Scam

I have booked my ticket’s through Altitude travel and due to their website error both my children’s names got wrong. They charged me $304 to fix their own mistake. Only reason why I went through them, to claim my points. Very poor customer service
Never use it again Show details
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Eli Fratkin
Eli FratkinGreater Melbourne (Metropolitan), VIC7 posts
  Altitude Black - Velocity Frequent Flyer Mastercard

Horrible throughout

Nothing worked from a digital perspective. Couldn't verify my 100ID points. Couldn't activate the card. Couldn't add to Google wallet. Had to go to the branch multiple times. Avoid! Show details
Rates and Fees
Rewards
Gary L.
Gary L.Sydney, NSW
  Altitude Black - Altitude Rewards Mastercard

Redemption of rewards

On December 2022, I attempted to redeem a Iphone on points, after numerous attempts to follow up I was advised that this was to be dispatched 31st Jan 2023. On 2nd February I followed up again and was advised that this was out of stock, however vendor showed plenty of stock on website. Westpac advised they were going to refund points and to redeem Iphone via vouchers.
Westpac Altitude this process should not be so difficult and frustrating
Craig
CraigIllawarra, NSW2 posts
  Altitude Black - Qantas Frequent Flyer Mastercard
Jimmy
JimmyPerth, WA7 posts
  Altitude Black - Qantas Frequent Flyer Mastercard

Ridiculous charges - watch out!

A travel card charge $10 to supply. I purchased the card and Westpac said its a Credit card to Credit card transaction and charge me cash advance fees.
I square off the bills early in the month but their statement is slower. One month I squared off expenses on the same day the statement came out. I paid $10.40 lesser. They charge me $15 for missing payment for that month, despite having made payment earlier.
on the second month they charge me $30.50 on interest on the $10.40 unpaid (again which was paid earlier).

essentially I get penalised for squaring off debt earlier than they can issue their statement. I have had many credit cards and nothing like it.

have a look at the other poor reviews on this site - steer away from it. Show details

Rewards
Application Process
Pat
PatSydney, NSW
  Altitude Black - Altitude Rewards Mastercard

I implore you, do not get this card

If you are reading this review and wondering whether a Westpac Altitude card is the right choice, I sincerely implore you not to get one. If anything ever goes wrong for whatever reason on the card and you need to contact Westpac you will receive customer service far worse than any other bank or institution I have ever experienced in my life.

I'm talking 5-6 hours on the phone, only for the line to be hung up before you speak with someone. Going around in infinite loops and weeks later still have no resolution.

Regardless of the points available and sign up offers, trust me when I say this is a headache you do not want in in your life.

Pick any other bank. Show details

Rewards
JJJ
JJJ9 posts
  Altitude Black - Altitude Rewards Mastercard

The credit card points system is roughly a scam!

Don't expect any customer service once you close your card. Support staff are totally useless and you don't get much options to use your points. It's an utter scam that you accumulate so many points only to have such extreme difficulty in redeeming. It's like they try every trick in the book to prevent you from getting what they promise! Show details
Anu Ananth
Anu Ananth
  Altitude Black - Qantas Frequent Flyer Mastercard
Nupur
Nupur3 posts
  Altitude Black - Altitude Rewards Mastercard

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. Show details

Rates and Fees
Rewards
Application Process
James Turner
James TurnerSouth East Queensland, QLD
  Altitude Black - Qantas Frequent Flyer Mastercard
Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Lina
Lina
  Altitude Black - Altitude Rewards Mastercard

Terrible service!

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! Show details

Questions & Answers

Goose
Goose · Altitude Black

How do I activate my new card?

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