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The Westpac Altitude Rewards Black Card

With the Westpac Altitude Rewards Black card, you can get rewarded with Altitude points for every dollar you spend. Learn more about the features of using this credit card on this page.

annual fee
bonus Altitude Points
Days Interest Free
variable cash advance rate

The Westpac Altitude Rewards Black Card

Card benefits

140,000 bonus Altitude Points

6 pts/$1 on Qantas, Jetstar, Singapore Airlines and Emirates flights bought in Australia, eligibility criteria apply.

2 pts/$1 at Spotify Premium, David Jones, Myer, THE ICONIC, Airbnb, Uber and Uber Eats

1.25 pts/$6 on all other eligible purchases

19.99% p.a. variable purchase rate

21.49% p.a. variable cash advance rate

$250 annual fee

Up to 45 days interest free

Annual Fee: $250/ year

Card Members who currently hold or who have previously held any Card product issued by American Express Australia Limited in the preceding 18 month period are ineligible for this introductory bonus offer. Previous and existing bank-issued American Express companion cardholders are eligible for this offer.

We may receive a commission from the card issuer for each applicant of this card. You do not pay this amount. More about this in our credit guide.

Best Cashback Credit Cards
Best Cashback Credit Cards

See More Cashback Credit Cards in Australia

See More Cashback Credit Cards in Australia

Looking for the best cashback credit card? Look no further, we’ve compared signup bonuses, annual fees, points, rewards systems and other additional benefits to find the five best cashback credit cards offered in Australia.

Frequently asked questions

How does a cashback credit card work?

A cashback credit card allows you to earn a percentage of your purchases back. The cashback rate varies from card to card, generally ranging between 1-5% cashback.

To apply for a cashback credit card, first review and compare the cards available, and then apply directly from a credit card issuer. There are a variety of conditions to qualify for cashback, for example, a minimum monthly spend, a minimum deposit in the required account (etc).
The cashback you receive will be calculated based on your total spend. The cashback will be credited to your account, redeemed as either statement credit towards your balance or cash deposited into your bank account.

To avoid high-interest rates, ensure you pay your credit card bill on time and in full.
Don’t forget to read the terms and conditions of your credit card to understand the cashback returns, any fees, and other benefits of your card.

Are cashback cards worth it?

Cashback credit cards can have extensive benefits, provided they are paid back on time and in full. Their worth differs from card to card, but ultimately comes down to individual benefits and whether the cashback card user is taking advantage of all the benefits. To customers who don’t pay off the credit card bills in full and on time, cashback credit cards are not recommended.

What credit cards do you get cash back?

There are a variety of cashback credit cards, the ones outlined and compared above include: ANZ Rewards Black credit card, Westpac Altitude Rewards Black Card, Citibank Rewards Card, Kogan Money Credit Card and American Express Platinum Edge Credit Card.

Is cashback taxable income Australia?

According to the ATO, cashback income is not taxable income - and does not need to be declared. 

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Hey, I’m Queenie.

I’m a licensed personal finance content creator. My mission is to help your money go further and I do this by creating educational videos to help inspire you to create a better financial future for yourself and your community.

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