Westpac
Westpac

American Express Westpac Altitude Black Card Bundle (Qantas Rewards)

Purchase Rate
20.49% p.a.
Cash Advance Rate
21.49% p.a.
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Interest Free
Up to 45 days
Annual Fee
$499.00
  • Earn an initial 120,000 bonus Qantas Points when you spend $4k or more on eligible purchases† on the Mastercard® within 90 days of card approval.
  • Plus, receive an additional 30,000 bonus Qantas points after making the first eligible purchase† on the Mastercard® in the second year of your card account being active.~
  • Offer excludes customers who hold/held any Westpac Rewards credit card in the last 12 months. New cards only. Offer ends 11th November 2020. T&Cs apply.
  • Annual Altitude Black Qantas Rewards Points Bundle Card Fee: Mastercard - $250, Amex - $199

Key Features
Rewards Program
Rewards
Joining Fee
$0.00
Annual Fee
$499.00
Insurance Cover
for Purchases
Overseas ATM
Availability
Automatic Travel
Insurance

Rewards Program
  • If you choose Altitude Qantas:
  • 1.25 Qantas Points for every $1 spent on eligible purchases in Australia on your American Express Altitude Black Card (Australian merchants).
  • 0.75 Qantas Points for every $1 spent on eligible purchases in Australia on your Altitude Black MasterCard (Australian merchants).
  • Complimentary Qantas Frequent Flyer membership if you're not already a member.

Fee & Repayments

Annual Fee $499.00
Annual Fee First Year $0.00
Rewards Joining Fee $0.00
Supplementary Card Fee $0.00
Minimum Repayment Greater of 2% or $10.00
Interest Charged From PurchaseDate
Late Payment Fee $15.00

Rewards Program

Rewards Points per Dollar 1.25
Linked to Frequent Flyer
Spend to Redeem $100 Gift Card* $5,650.00
Frequent Flyer Ratio
Spend at Loyalty Partner for $100 Gift Card*
SPEND FOR SYD/MEL RETURN* -
Lifetime of Points
Rewards Program Partners
Rewards Bonus Points Partners There's no limit to the amount of points you can earn with your chosen rewards program, either Altitude Points or Qantas points.
Domestic Airlines
International Airlines
Conditions You must be a member of the relevant frequent flyer program to redeem Altitude Points for frequent flyer points. The Altitude Rewards Terms and Conditions and relevant frequent flyer program apply.

Other Charges

Duplicate Statement Fee $7.50
Overseas ATM Balance Fee $0.00
Transaction Verification Fee $0.00
Overseas ATM Withdrawal Fee $2.50
Over Limit Fee $15.00
Overseas Emergency Card Replacement Fee $0.00
Terms & Conditions
Westpac Altitude Black Mastercard ^Bonus Altitude Points Promotion Altitude Black: To qualify for this promotion you must apply and be approved for a new Altitude Black card with Altitude Rewards between 6th August 2020 and 11th November 2020, and spend $4,000 or more on eligible purchases within 90 days of card approval. Bonus points will be added to your account within 12 weeks once you’ve met the eligible spend criteria. Existing Westpac customers who currently hold an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months, are not eligible for this offer. †Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, payments to the Australian Tax Office, government charges, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account. ~ Bonus Qantas Points Promotion Altitude Black: To be eligible for up to 120,000 bonus Qantas Points, you must apply and be approved for a new Altitude Black credit card between 6th August 2020 and 11th November 2020. You will receive an initial 90,000 bonus points if you spend $4,000 or more on eligible purchases within 90 days of card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria. You will receive an additional 30,000 bonus points if you keep your account open for more than 12 months and continue to use the card. These additional points will be credited to your points balance within 12 weeks, after the first eligible purchase is made in the second year of your card account being active. If you do not meet the minimum spend criteria within 90 days of card approval, you forfeit the initial 90,000 bonus points only. However, you are still eligible for the additional 30,000 bonus points in the second year if you continue to use your card. Existing Westpac customers who currently hold an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months, are not eligible for this offer. Qantas Points earned during a statement cycle are added to your Qantas Points balance on a monthly basis. < Rewards points: How you earn and redeem Altitude Points is subject to the Altitude Terms and Conditions. Excludes Westpac Altitude Qantas. << Accelerated Earn - Flights: Earn 6 points per dollar on the first $10,000 spent on flights per calendar month, then 1.25 points per $1 spent thereafter on the Altitude Black Mastercard. Or earn 3 points per dollar on the first $10,000 on flights per calendar month, then 1 point per $1 spent thereafter on the Altitude Platinum Mastercard. Points earn applies to flights purchased in Australia directly with the above listed participating airlines using your Altitude Black Mastercard or Altitude Platinum Mastercard. Excludes flights not purchased directly with the participating airlines for example flights purchased through a travel agent, online aggregators or other airlines such as a code-share etc. Excludes Westpac Altitude Qantas. Participating airlines are subject to change. <<< Accelerated Earn - Shop, Stream, Ride and Stay: Applies only to domestic spend made in Australian dollars or any other currency (and converted to Australian dollars) using your card or card account with a Merchant who is located in Australia. Excludes Westpac Altitude Qantas. 5. Converting Altitude Points: You can redeem the points earned on your Altitude Black Altitude Rewards credit card for cash back or gift cards via the Altitude Rewards website. The estimated cashback and gift card value in above examples are based on current redemption rates as at 20th July 2020 and is subject to change without notification. All redemption of Altitude Rewards points are subject to availability and the Altitude Rewards Terms and Conditions (PDF 2MB). 6. Rewards Points: The earning and redemption of Altitude Points and Qantas Points are subject to the Altitude Terms and Conditions. Purchases that are not eligible to earn Rewards Points are set out in the Altitude Terms and Conditions. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances. Refer to the Altitude Terms and Conditions for information on how you earn points on transactions. Qantas Points earned during a statement cycle are added to your respective Points balance on a monthly basis. Qantas products and services: Selected Qantas products and services are Qantas passenger flights with a QF flight number purchased directly from Qantas.com; Qantas Frequent Flyer and Qantas Club membership joining and/ or annual fees. For full Qantas Frequent Flyer Terms and Conditions, visit Qantas.com/terms. 4. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible Westpac cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the Westpac Credit Cards Complimentary Insurance Policy (PDF 297KB) which may be amended from time to time. Westpac does not guarantee this insurance. Concierge Services: Concierge Services are subject to the Westpac Rewards Credit Cards Concierge Service Terms and Conditions (PDF 1MB). American Express Westpac Altitude Black Card Altitude Points: The earning of Altitude Points and bonus Altitude Points using an American Express issued Altitude Card is subject to the American Express® Westpac Altitude Cards Points Terms and Conditions available at americanexpress.com/australia/altitude-points-t&c Redemption of Altitude Points is subject to the Altitude Rewards Terms and Conditions available at altituderewards.com.au. You may not be able to redeem Altitude Points if your Card account is in arrears for 2 consecutive statement cycles and in other circumstances. Eligible purchases do not include cash advances, interest, balance transfers, fees and charges for traveller’s cheques and foreign currencies. For the full list of exclusions, please refer to the American Express Westpac Altitude Cards Points Terms and Conditions available at americanexpress.com/australia/altitude-points-t&c Bonus Points will be awarded to the eligible Card Member’s account 8-10 weeks after the spend criteria have been met. Government: Merchants classified as “government” include the Australian Taxation Office, the Australian Postal Corporation (Australia Post), federal/state and local government bodies. Qantas Points: You must be a member of the Qantas Frequent Flyer program to earn and redeem points. Membership and Qantas Points are subject to the Terms and Conditions of the Qantas Frequent Flyer program. Qantas Points are earned on Eligible Purchases in accordance with and subject to the American Express Westpac Altitude Cards Points Terms and Conditions as long as your account remains current and in good standing. Qantas products and services: Selected Qantas products and services are Qantas passenger flights with a QF flight number purchased directly from Qantas.com; Qantas Frequent Flyer and Qantas Club membership joining and/ or annual fees. For full Qantas Frequent Flyer Terms and Conditions, visit Qantas.com/terms. 4. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible American Express Westpac Altitude cardholders to claim under it as third party beneficiaries. You must use your American Express Westpac Altitude Card to prepay $500 of travel costs in order to be covered under the overseas travel insurance. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the American Express Westpac Altitude Card Insurance Policy which may be amended from time to time. Westpac does not guarantee this insurance. Registered to BPAY Pty Ltd ABN 69 079 137 518 Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

* For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

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