WestpacAltitude Black Rewards World Mastercard
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.
At a glance
- Purchase rate
- 23.98%
- Cash advance
- 23.99%
- Interest-free days
- 45
- Annual fee
- $75
- Foreign transaction fee
- 3.00%
- Rewards
- Altitude Rewards
How it compares
This credit card in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This credit card | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Any credit cardOngoing purchase rate, not introductory offers | 23.98% | 7.49%Unity Bank's Low Rate Visa Credit Card | 12.49%of 51 institutions | 50th lowest of 51 |
| Rewards cardOngoing purchase rate on a card that earns points | 23.98% | 12.99%Virgin Money Australia's Virgin Money Low Rate Credit Card | 20.99%of 25 institutions | 21st lowest of 25, level with 3 others |
| Interest-free daysDays without interest on purchases when the balance is paid in full | 45 days | 62 daysBeyond Bank Australia's Low Rate Credit Card | 55 daysof 42 institutions | 35th longest of 42, level with 2 others |
Rates
Every rate Westpac publishes for this credit card, 2 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Cash advanceInterest on cash advances | - | - | - | 23.99% | - | No Interest Free days |
| PurchaseInterest on purchases | - | - | - | 23.98% | - | Interest free days may apply |
Rate changes
2 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 30 Sept 2026 | Cash advance | 21.99% | 23.99% | up 2.00 |
| 30 Sept 2026 | Purchase | 20.99% | 23.98% | up 2.99 |
Each change is logged the night it appears in the rates Westpac publishes. See how every lender answered the RBA on the rate tracker.
Fees
6 fees published, grouped by when they're charged.
While you hold it2
- Annual Altitude Rewards Program fee
Applies annually for customers who choose to earn Altitude Points through the Altitude rewards program.
$75 a year - Annual Card Fee
$295 plus a separate $75 Altitude Rewards Fee, charged annually (applicable only when the Altitude rewards program is selected) Reduced First year Card Fee - New Existing Reduced First year Card Fee
$295 a year
When you make a transaction2
- Cash Advance Fee3.50% of transaction
- Foreign Transaction Fee
Payable as a percentage of the Australian dollar value of any foreign transaction. Applies for transactions in a foreign currency, or in Australian dollars but processed by an overseas merchant or fi…
3.00% of transaction
If a payment is late or fails1
- Missed Payment Fee
$20 each statement cycle that the minimum monthly payment is not paid by the statement due date.
$20 30 days after it's due
When particular things happen1
- Overlimit Fee
$15.00 once per statement period if your credit card account was opened before 4 June 2012. No overlimit fee will be charged for personal credit card accounts opened on or after 4 June 2012.
No fee
Features
- Click to Pay - Online shopping made quick, simple and secure with Click to Pay.
- Cashback and discounts: With a Westpac credit card, you'll get personalised cashback offers from Westpac Extras, Westpac bonus Cashback when you shop via the Westpac Lounge on ShopBack, plus other di…
- Complimentary Flight Delay Access Pass - You and up to four travelling companions may be eligible for a complimentary Flight Delay Access Pass which gives you access to over 1,800 participating airpo…
- Complimentary Global Data Roaming by FlexiRoam - Eligible Card Account holders will be able to access one complimentary 3GB global data roaming plan for 15 consecutive days that can be used across 15…
- Use our SmartPlan repayment planner to break large purchases or balances down into regular instalments while keeping interest-free days.
- Minimum repayments: 2.5% of the closing balance rounded up to the nearest dollar or $25, whichever is greater; The greater of any unpaid past due amounts from previous statements or any amount that e…
- Recurring payments - You may authorise a Merchant to charge recurring payments to your Card automatically without requesting your authorisation on each occasion.
- Confirming and authorising transactions: There are a number of ways you may be able to confirm a transaction. These include: signing your name. Holding your Card in front of a contactless payment dev…
- Gambling blocks: If you wish to limit access to gambling services through the Card Account, please call us or log into your online banking and activate gambling block in the Card Services menu.
- Statements: We will issue a statement for the Card Account to you every month unless the account has a balance of $10 or less and there has been no account activity in that month. You can choose to r…
- Make shopping and ordering online even more safe and secure with Westpac My Merchants. Westpac My Merchants lets you shop and order online without needing to share your card details, because your car…
- Customers can access their eligible Westpac cards and Apple's ID&V security features within Apple Wallet. T&Cs apply.
Eligibility and limits
- Minimum age 18
- Residency: Those having permanent residency in Australia/NZ OR being a non-resident or migrant and hold an acceptable Visa, with a minimum 1 year before expiry
- Minimum income $75,000
- Amount $6,000 to $75,000
- Customer having a regular, verifiable Australian taxable income.
- Customer having a fixed, verifiable residential address in Australia.
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Published by Westpac under the Consumer Data Right, last changed by them on 29 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.