WESTPAC
Best Flexible Points AUS
Westpac Altitude Black Mastercard
Westpac · 🇦🇺 Australia · MASTERCARD
4.5Very Good
Annual Fee
AUD $250 (first year AUD $99)
First year discounted
Rewards Rate
3 Altitude Points per $1 on selected categories
Altitude Points
Intro Offer
120,000 Altitude Points
Credit Score
680–850
Good – Excellent
Purchase Intro APR
None
Balance Transfer Intro APR
0% for 18 months
Regular APR
20.49% p.a.
Tekkivo Expert Verdict
The Altitude Black offers flexibility that frequent flyers value — transferring to multiple programs means you can compare redemption rates and choose the best option for each trip.
Best for: Australians wanting flexibility to transfer points across multiple programs
Key Benefits
- Transfer to Qantas, Velocity, Asia Miles, KrisFlyer
- 3x on travel, entertainment, overseas
- 2 complimentary lounge passes
- Comprehensive travel insurance
Pros
- ✓Flexible — transfer to multiple programs
- ✓Strong first-year value
- ✓Good earn rate on travel
Cons
- ✗$250 ongoing annual fee
- ✗General rate 1.25x lower than ANZ FF Black
- ✗Lounge access limited to 2 passes
Card Details
Foreign Transaction Fee: 3%
Credit Limit: AUD $6,000 minimum
Card Network: mastercard
Rewards Type: Altitude Points
Westpac Altitude Black Mastercard
4.5
Annual FeeAUD $250 (first year AUD $99)
Rewards3 Altitude Points per $1 on selected categories
Intro Offer120,000 Altitude Points
on Westpac's website