Altitude Rewards Black
The Westpac Altitude Rewards Black costs $295 a year to hold, being its card fee alone against a rewards programme fee the issuer publishes at zero, with the card fee reduced to $200 in the first year, and advertises a 200,000-point sign-up bonus of which 100,000 is paid on $12,000 of spend within 365 days.
Of the 5 spending patterns published here, 5 clear that minimum-spend hurdle inside the window. 100,000 of the 200,000 is paid in the second year. The stated $12,000 in 12 months earns 100,000.
- Annual cost, all in
- $295
- Sign-up bonus, advertised
- 200,000
- Paid on the stated spend
- 100,000
- Minimum spend
- $12,000
- Base earn rate
- 1 / $1
The record
| Field | Value |
|---|---|
| Issuer | Westpac |
| Card fee (AUD) | $295 |
| Rewards programme fee (AUD) | Published by the issuer at zero |
| Annual cost, all in (AUD) | $295 |
| First year, all in (AUD) | $200 |
| First-year terms | Issuer: a reduced $200 first-year card fee, reverting to $295. An existing Westpac customer who signs in to apply is offered $149. |
| Sign-up bonus, advertised total (points) | 200,000 |
| Paid on the stated minimum spend (points) | 100,000 |
| Deferred to a later instalment (points) | 100,000 |
| How the bonus is paid | Split across instalments — see the note above |
| Bonus currency | Westpac Altitude Rewards |
| Minimum spend for bonus (AUD) | $12,000 |
| Spend window (days) | 365 |
| Earn thresholds | Published ladder held — see the bands below |
| Foreign transaction fee | 3% |
| Published offer end date | — |
Earn rates by category
| Category | Points / $ | Currency | Cap notes |
|---|---|---|---|
| Overseas spend | 3 | Westpac Altitude Rewards | Issuer "international spend" rate. Steps down to 0.5 per $1 once $10,000 is spent in a statement cycle. |
| Supermarkets | 2 | Westpac Altitude Rewards | Issuer "everyday spend" rate (supermarkets, department stores, petrol, dining, utilities excl. BPAY). Steps down to 0.5 per $1 beyond $10,000 in a statement cycle. |
| Dining out | 2 | Westpac Altitude Rewards | Issuer "everyday spend" rate (supermarkets, department stores, petrol, dining, utilities excl. BPAY). Steps down to 0.5 per $1 beyond $10,000 in a statement cycle. |
| Fuel | 2 | Westpac Altitude Rewards | Issuer "everyday spend" rate (supermarkets, department stores, petrol, dining, utilities excl. BPAY). Steps down to 0.5 per $1 beyond $10,000 in a statement cycle. |
| Utilities & insurers | 2 | Westpac Altitude Rewards | Issuer "everyday spend" rate; utilities excludes BPAY per issuer. Steps down to 0.5 per $1 beyond $10,000 in a statement cycle. |
| Everything else | 1 | Westpac Altitude Rewards | Issuer "all other purchases" rate. Steps down to 0.5 per $1 beyond $10,000 in a statement cycle. |
| Travel | 1 | Westpac Altitude Rewards | Not itemised by the issuer: travel sits outside the five "everyday spend" categories and therefore earns the "all other purchases" rate. Steps down to 0.5 per $1 beyond $10,000 in a statement cycle. |
What changes on 30 September 2026
What this card costs moves on 30 September 2026. The issuer has published the new figure, and the table below sets it beside the one in force today.
| Item | Today | From 30 September 2026 | Move |
|---|---|---|---|
| Card fee (AUD) | $295 | $295 | Unchanged |
| Rewards programme fee (AUD) | Published by the issuer at zero | $75 | Rises |
| Annual cost, all in (AUD) | $295 | $370 | Rises |
Issuer change notice: the Altitude Rewards Black rewards programme fee goes from $0 to $75. The card fee is not listed among the changes. Rewards programme fees are charged annually and, for current cardholders, the new amount applies on the next card fee date.
Source: the issuer’s published change notice, collected 8 September 2026.
Where the rate steps down
The rates above are what the first slice of a period earns. Past the threshold the issuer pays less, so a heavy month earns proportionally fewer points than the headline suggests. Every months-to-a-seat figure on this site is computed through these bands.
| Band of eligible spend | Points per dollar | Spend it governs |
|---|---|---|
| First $10,000 | Published category rate | All eligible spend |
| Above $10,000 | 0.5 / $1 | All eligible spend |
A step-down lowers a rate and never raises one, so a category the issuer excludes outright keeps earning nothing above the threshold as well as below it.
- Published rates apply to the first $10,000 of eligible purchases in a statement cycle.
- Issuer: "Once you spend $10,000 in a statement cycle, you will earn 0.5 Altitude points per $1 on further eligible purchases."
Does the bonus hurdle clear?
A published bonus is only real if the spending gets there. This compares the minimum spend against each pattern over the card’s own window. Clearing the hurdle releases the first instalment; where the advertised total is split, the rest is governed by a separate date rather than by this spend.
| Spending profile | Clears the hurdle? | Monthly points on this pattern |
|---|---|---|
| The Corporate Consultant | Yes | 8,300 |
| The Inner-North Couple | Yes | 9,500 |
| The Light Spender | Yes | 3,450 |
| The Overseas Regular | Yes | 9,700 |
| The Suburban Family | Yes | 11,150 |
Questions these rows answer
- Does the Westpac Altitude Rewards Black charge a rewards programme fee on top of its card fee?
- Westpac publishes the rewards programme fee at zero, so the $295 card fee is what the card costs a year.
- Is there a cap or an earn threshold on the Westpac Altitude Rewards Black?
- Westpac publishes a threshold rather than a hard cap. Within a statement period, the first $10,000 earns the category rates published above, then spend above $10,000 earns 0.5 points per dollar. Every months-to-a-seat figure on this site is computed through those bands.
- Is the 200,000-point bonus on the Westpac Altitude Rewards Black paid in one go?
- No. $12,000 of spend within 365 days pays 100,000 points; the remaining 100,000 arrive on a separate condition the issuer sets, which is why this site scores the first-year position on the first instalment alone.
- What changes on the Westpac Altitude Rewards Black on 30 September 2026?
- Westpac has published a dated change: the annual cost moves from $295 to $370. The tables above hold what is in force today and switch over on the day itself, in Melbourne time.
UNTRACKED LINK · NO COMMERCIAL RELATIONSHIP. LIVE TERMS SIT WITH THE ISSUER.
View at issuerSeats this card reaches soonest
- MEL to Denpasar, economy7 mo on the Overseas Regular pattern
- MEL to Singapore, economy8 mo on the Suburban Family pattern
- MEL to Hong Kong, economy9 mo on the Suburban Family pattern
Run it on your own spending
- Months to a seat, on your monthly figuresThe same engine, your allocation
- Where these points transferEvery ratio, dated
- All card fact sheets7 active cards