Westpac Altitude Black is Australia’s best premium credit card for frequent flyers

Why Westpac Altitude Black suits Aussie frequent flyers

Westpac Altitude Black is a premium credit card built for Australians who fly often and want real value from every AUD spent. For frequent flyers the card combines a strong earn rate with travel perks that make airport time more comfortable and bookings cheaper when you redeem Altitude Points.

The card’s focus on travel means rewards and benefits are tailored to local needs – points transfer options to Velocity and other partners, Priority Pass lounge access and travel insurance that covers common Aussie itineraries. If you travel domestically and internationally, Westpac Altitude Black is designed to pay back in convenience and savings.

How to earn and unlock up to 150,000 Altitude Points

With Westpac Altitude Black you earn a solid 1.25 Altitude Points per AUD on eligible purchases and higher rates with selected partners, so everyday spend adds up quickly. Right now new applicants can access an introductory bonus totalling up to 150,000 Altitude Points by meeting the specified spend thresholds within the promotional period.

Those Altitude Points are flexible: redeem for flights, upgrades, hotels, eGift cards or transfer to frequent flyer programmes such as Velocity. Smartly channelling big purchases and partner spends onto the card is the quickest way to turn Westpac Altitude Black rewards into free travel or premium upgrades.

Travel perks, lounges and insurance that make a difference

Westpac Altitude Black includes Priority Pass lounge access with complimentary visits, letting you relax before flights instead of rushing through busy terminals. Lounges typically offer Wi-Fi, snacks and a quieter place to work or unwind, which is especially valuable on long haul trips from Australia.

The card’s complimentary travel insurance (when you pay for travel with the card) covers overseas medical, trip cancellation and baggage inconveniences, giving real peace of mind for family holidays or business travel. Add in concierge support and purchase protection and the card becomes a compact travel toolkit for Aussie travellers.

Fees, rates and whether it’s worth it for you

There’s an annual fee (introductory reduced first-year fee then AUD 295 p.a.), a purchase interest rate around 20.99% p.a., and a 3% foreign transaction fee on international purchases. Eligibility criteria typically require a minimum annual income (around AUD 75,000) and Australian residency, so it’s targeted at regular earners who can make the most of the benefits.

For frequent flyers who can meet the spend requirements and redeem points strategically, Westpac Altitude Black can easily outweigh the fees through bonus points, lounge visits and included insurance. Compare your travel habits, expected annual spend and partner redemptions to decide if this premium credit card will deliver the value you need, then apply or switch when the bonus offers line up with your plans.