Westpac Altitude Black Rewards World Mastercard

credit card

Altitude Black Rewards World Mastercard is a credit card from Westpac, as the bank publishes it in its product data. Its purchase rate is 23.98% and its card fee $295 a year.

What the feed states

Purchase rate

23.98%

Cash advance rate

23.99%

Interest-free days

up to 45

Card fee

$295 a year (Annual Card Fee)

Fee offer

Reduced First year Card Fee - New

Fee offer

Existing Reduced First year Card Fee

Foreign transaction fee

3% of the transaction

Cash advance fee

3.5%

Late payment fee

$20

Rewards programme

Altitude Rewards

Sign-up offer

150000 Get up to 150,000 bonus Altitude Rewards Points - 90,000 Rewards Points in year 1 if you spend $9k+ on eligible purchases within 90 days of new card approval and an extra 60,000 points with $9k+ spend on eligible purchases within 90 days of card anniversary in year 2. Offer not available if…

Complimentary insurance

Complimentary insurance; Complimentary travel insurances

Digital wallets

Garmin Pay, Apple Pay, Google Pay, Samsung Pay

Instalment plans

offered

Additional cardholders

up to 1

Credit limit

$6,000 to $75,000

Minimum income

$75,000 a year

Minimum age

18

Scheme

Mastercard

Conditions and offers

• credit limit $6,000 to $75,000
• rewards programme fee $75 a year on top of the card fee
• minimum income $75,000 a year
• offers for new cards only; not if you held an Altitude Platinum or Black card in the last 24 months
• earn falls to 0.5 Altitude Points per $1 once $10,000 is spent in a statement cycle
• $200 card fee in the first year for a new card, then $295; $75 rewards fee still applies
• existing Westpac customers: $149 card fee in the first year

Who can apply, in the bank's words

• Customer having a regular, verifiable Australian taxable income.
• Customer having a fixed, verifiable residential address in Australia.

About this card

Our premium Altitude Rewards credit card gets you our highest Points earn rate, flexibility in how you redeem with Pay with Points, complimentary airport lounge access, insurances and more.

Data

• Westpac's own page for this card.
• The issuer's documents its feed links to: terms and conditions, fees, eligibility.
• Our verbatim snapshot of the bank's product record (source), as fetched on 2026-10-30.
• The issuer's Key Facts Sheet.
• /au/finance/credit-cards/v1/brands/westpac.json: this issuer's cards as JSON; Westpac's page lists them.
• The bank last updated this record on 2026-10-29; the dataset's data is as of 2026-11-12. Rates are per annum as the issuer states them; "stale" means the bank has not updated the record for over 180 days.

Other cards at Westpac

• Altitude Business Gold credit card, 20.24%, $150 a year
• Altitude Business Platinum credit card, 20.24%, $200 a year
• Altitude Qantas Black credit card, 23.98%, $295 a year
• Altitude Qantas Platinum credit card, 23.98%, $175 a year
• Altitude Rewards Platinum credit card, 23.98%, $175 a year
• Altitude Velocity Black credit card, 23.98%, $295 a year
• Altitude Velocity Platinum credit card, 23.98%, $175 a year
• BusinessChoice Everyday credit card, 14.25%, $75 a year
• BusinessChoice Rewards Platinum credit card, 20.24%, $150 a year
• Lite Card credit card, 9.90%, $108 a year
• Low Fee Card credit card, 20.99%, $30 a year
• Low Rate Card credit card, 13.74%, $84 a year