Westpac Altitude Rewards Black: the best credit card for international travellers
Earn 3 Altitude Points per $1 overseas, 2 per $1 at supermarkets, department stores, petrol stations and on utilities, and 1 per $1 elsewhere. That earn holds up to $10,000 per statement cycle, a standout when you compare credit cards Australia wide.
Register your card for 2 Priority Pass visits a year, and use the Flight Delay Access Pass with up to four companions when flights run late. A yearly 3GB data roaming plan makes it a true best travel credit card Australia pick.
Is a Westpac credit card worth it?
Westpac is Australia’s first bank and its oldest company, serving around 13 million customers worldwide. That history gives real peace of mind when you’re choosing the best credit card Australia has.
This card adds a 24/7 personal concierge, Dynamic CVC on digital cards, PartPay and personalised cashback through Westpac Extras. With travel cover built in, it’s a complete credit card with complimentary travel insurance.
What are the eligibility requirements for a Westpac credit card?
To apply for the Westpac Altitude Rewards Black, you’ll need to meet the following eligibility criteria:
- Be aged 18 or over
- Have a fixed Australian address
- Have a regular, verifiable Australian taxable income of at least $75,000 p.a.
- Be an Australian or New Zealand citizen, an Australian permanent resident, or hold a valid temporary residence visa with at least 1 year before expiry
- Provide proof of income and details of your current debts and expenses
- Provide two ID documents, such as a passport, Australian driver licence, Medicare card or Australian birth certificate
How to apply for the credit card
- Check that you meet the eligibility criteria.
- Gather your proof of income, debt and expense details and two ID documents.
- Click the button below and complete the online application.
- Existing Westpac customers can sign in to apply and get the $149 first year card fee.
- Once approved, register your card for your Priority Pass lounge visits.
- Spend $9,000 on eligible purchases within 90 days of approval to earn your first 90,000 bonus points.
Frequently asked questions
How does interest work on the Westpac Altitude Rewards Black?
Purchases are charged 23.98% p.a., with up to 45 interest free days when you pay your balance in full by the due date. That keeps this best rewards credit card Australia pick cost effective.
Cash advances are charged 23.99% p.a. plus a 3.5% cash advance fee, and they don’t get interest free days. Before you compare credit cards Australia wide, keep in mind that interest only bites if you carry a balance.
How can I increase the credit limit on my Westpac Altitude Rewards Black?
You can request a higher limit through the Westpac App, Online Banking or by contacting Westpac. As with any credit card online application, Westpac assesses your income and expenses first.
How can I pay my Westpac Altitude Rewards Black statement?
Pay through the Westpac App, Online Banking or BPAY, or set up Card Autopay and SMS payment reminders. Paying at least the minimum on time matters, since points aren’t earned otherwise on this best travel credit card Australia contender.
How can I cancel my Westpac credit card?
Contact Westpac through the app, Online Banking or by phone, and clear any outstanding balance first. Redeem your Altitude Points before you close, then find your next best credit card Australia match.