Westpac Altitude Rewards Black (Reduced first year annual fee for Westpac Customers)
Ended — kept for reference
This page is my best effort to summarise the card's terms from the information I found. Read the bank's terms for full details, or contact the bank if you have questions.
I'd like to use my bonus for:
Can I get this?
This offer is advertised to the public. Bonus conditions and the bank’s approval requirements still apply.
Can I get this bonus if I have held a card before?
I have not checked the waiting period for this bonus.
See the waiting rules for every Australian bank →What must I spend?
$12,000 within 365 days — about $986 per month.
Can I get the card?
The minimum credit limit is $6,000. This is the least the bank may let you borrow.
You must earn at least $75,000 a year.
Meeting the bonus rules does not mean the bank will approve your application. The bank must assess and approve the card separately.
How long is this available?
I do not have an end date for this offer.
Should I keep it after the first year?
Keeping the card costs $295 each year ($295 annual fee) — the first year was $99.
The year-two bonus is 100,000 Westpac points.
Ongoing earn: 2.00x Westpac points per $1.
Keeping pays off only if you meet the second-year conditions and use the points and benefits enough to cover $295/yr.
$520 in Woolworths gift cards (122,200 of 124,000 Westpac points; 1,800 left over) − $99 card fee. Assumes you earn the bonus and pay in full; extra spend or interest changes the outcome.
This offer has ended. I keep this page so you can check the old terms.
What this calculation assumes
- You make the required purchases and the bonus is paid.
- You pay the balance in full — any interest changes the outcome.
- The required spend is ordinary planned spending, not extra cost.
- You close the card before the next annual fee, or you decide keeping it is worth that fee.
- Gift card prices can change. I check them again at renewal time.
Did this help you make a decision?
Terms and evidence
Full current terms
Offer terms
First Year Points
100,000 points
Westpac
Second Year Points
100,000 points
With $295 annual fee
Minimum Spend
$12,000
within 365 days
Ongoing Earn Rate
2.00x points per $1 spent
Fees
First Year Annual Fee
$99
Ongoing Annual Fee
$295
From year 2 onwards
Purchase Interest Rate
20.99% p.a.
The value above assumes you pay in full and never pay this. Any interest changes the outcome.
Benefit history (11 changes)
- Travel InsuranceUpdated May 2026
- Digital Card IssuanceUpdated May 2026
- Digital Wallet IntegrationUpdated May 2026
- Buy Now Pay LaterUpdated May 2026
- Concierge ServiceUpdated May 2026
- No Additional Cardholder FeeUpdated May 2026
- Lounge AccessUpdated May 2026
Now 2 visits/year · Priority Pass.
- Transit Accident InsuranceUpdated May 2026
- Purchase Protection InsuranceUpdated May 2026
- Extended Warranty InsuranceUpdated May 2026
- Rental Vehicle InsuranceUpdated May 2026
Offer terms history (10 versions — old terms, for checking)
These are published versions of this offer's terms. Each version preserves the conditions available at that time.
Changes from terms version 9
Changes from terms version 8
Changes from terms version 7
Changes from terms version 6
Changes from terms version 5
Changes from terms version 4
Changes from terms version 3
Changes from terms version 2
Changes from terms version 1
First recorded terms
Captures behind the selected terms record — evidence for these terms, not a complete history of the named offer.
Archived notes
Earlier notes about this offer, kept as an archive — not current terms. Note dates are separate from terms publication dates.
- Expiration changed from 30/04/24 to 31/07/243 years ago
- Expiration changed from 01/11/23 to 30/04/24, Bonus from 140k to 100k3 years ago
- Second year annual fee increased from $250 to $2953 years ago
- Offer end date changed to 14th June 2023 due to fee changes https://www.westpac.com.au/content/public/wbc/en/personal-banking/credit-cards/reward/reward-card-changes.html3 years ago
- Annual fee increased from $49 to $994 years ago
- Offer extended from 30/06/22 to 31/12/224 years ago
- Bonus reduced from 180,000 to 140,000.5 years ago
Discussion
About these ended terms (published 19 Mar 2026) — not the current offer.
Community and personal tools
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