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Special offers

Credit criteria and conditions apply.

  • $0 annual Card Fee for the first year (usually $150).1
  • 4.99% p.a. for 12 months on balance transfers requested at new card application. Rate then switches to variable cash advance rate. T&Cs apply.2
Altitude Business Gold Mastercard
Complimentary Insurances3
Access to Interstate Flight Inconvenience Insurance and Rental Vehicle Excess in Australia cover, up to 3 months’ complimentary cover for international travel insurance, plus extended warranty, purchase protection for up to 4 months and overseas transit accident insurance. (terms, conditions, exclusions and eligibility criteria apply). 
Frequent flyer options

Fly your own way with even greater choice of airlines with access to flight points from a range of world carriers, including Qantas.

Get rewarded sooner
Earn points faster by adding one additional cardholder (16 years or older) at no extra cost. 

All the reward points flexibility of the Altitude program, plus the peace of mind of complimentary purchase protection and a range of other insurance covers. Altitude Business Gold Mastercard is a personal liability business credit card with a credit limit from $1,000 up to $80,000.
 

Up to 55 days interest free on purchases

Up to 55 interest free days on purchases when you pay off your closing balance in full by the due date shown on your statement each month.

Easy tax reporting

Make tax reporting easy by setting up (and managing) an automated bank feed4 to connect your account(s)* with your third-party service provider, through Westpac Online Banking or easily export your transactions from Westpac live as a CSV file and import into your chosen system.

Both options could help reduce the time you spend on manual data entry from your business accounts – and make it easier to reconcile your transactions.

Additional cardholder at no extra cost

Add one additional cardholder (16 years or older) at no extra cost. The account holder (primary cardholder) is liable for all transactions on this card and their own card.

Pay faster with Mastercard tap & goTM

For a fast and convenient payment option for purchases under $100 - simply hold your Mastercard tap & goTM against the terminal wherever you see the contactless symbol or your card logo - no need to enter a PIN or sign (where available).

Card security

As well as an embedded microchip, take advantage of additional security measures helping defend against fraudulent activity:

Fraud Money Back Guarantee

Westpac Fraud Money Back Guarantee ensures that any unauthorised transaction claims will be reimbursed provided that the cardholder has not contributed to the loss and contacted us promptly. Refer to the Altitude Business Credit Cards Conditions of Use for full details of when cardholders may be liable. Further information on resolving credit card transactional issues please go to What to do if there is a fraudulent transaction on your card.

Things you should know
1. Discounted annual Card Fee in first year promotion. The first-year annual Card Fee waiver is available when you apply for a new Altitude Business Gold Mastercard or Altitude Business Platinum Mastercard credit card. The first annual Card Fee will be debited on the 12-month anniversary of the first transaction on your account and annually thereafter. This offer may be withdrawn at any time.
2. Balance transfer promotion: The promotional balance transfer rate is available when you apply and are approved for a new Westpac Altitude Business Platinum Mastercard or Gold Mastercard credit card and request at application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. The rate will apply to balance(s) transferred (min $200 up to 80% of your approved available credit limit) for 12 months from card activation, unless the amount is paid off earlier. The applicable variable cash advance rate will apply to balance(s) transferred but left unpaid at the end of the 12 month promotional period. If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the 'Monthly Payment Balance' listed on your statement of account (not the full closing balance) by the relevant payment due date. Westpac will not be responsible for any delays that may occur in processing payment to your other card account(s) and will not close the other card account(s). The variable cash advance interest rate applies to balance transfers requested at any other time. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible for this offer. This offer may be withdrawn at any time. 
3. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible persons to claim under it as third party beneficiaries. Access to the benefit of cover under the Credit Card Complimentary Insurance is provided to eligible Westpac cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). If an eligible persons wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, limits and exclusions contained in the  Westpac Business Credit Cards Complimentary Insurance Policy (PDF 349KB) /   Commercial Cards Insurance Policy (PDF 160KB) which may be amended from time to time. This insurance is underwritten by Allianz. Westpac does not guarantee this insurance. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it.

Annual Card Fee: For Altitude Business Platinum Mastercard and Altitude Business Gold Mastercard credit cards, the annual Card Fee covers all cards associated with the product. For BusinessChoice Rewards Platinum Mastercard and BusinessChoice Everyday Mastercard credit cards, an annual Card Fee is payable for each card associated with the facility.

Earning and redeeming Altitude reward points: You can earn and redeem Altitude rewards points as set out in the Altitude Business Rewards Terms and Conditions (PDF 2MB). You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances. Altitude reward points do not expire while you remain an Altitude card holder. You must be a member of the relevant frequent flyer program to redeem Altitude points for frequent flyer points. The terms and conditions of the relevant frequent flyer programs also apply. A joining fee may apply for these frequent flyer programs. Availability of award flights may be limited.

You must have earned a minimum of 3,000 Altitude points before you can redeem any rewards. For Altitude Business Gold cards, a points cap of 20,000 points applies when using either or both cards. Bonus points do not count towards the points cap.

4.Read the  Westpac Online Banking Terms and Conditions (PDF 417KB) before making a decision. Not all accounts* are eligible to be included in a bank feed. Not all third-party service providers support bank feeds for all accounts.

Bank feeds must be set up with third-party service provider before it can be connected in Westpac Online Banking. If your third-party service provider doesn’t appear in the drop-down menu in Westpac Online Banking, you may need to check that your third-party service provider is registered with Westpac. Should there be any changes to your user access or network access levels, you may need to disconnect your bank feed(s) as any access changes won’t impact bank feeds.  The products and services offered by third-party service providers are subject to their own terms and conditions and fees and charges.  Westpac doesn’t guarantee or endorse the services or products offered by third-party service providers.

*Currently Business Credit Cards and Business Term Deposits accounts aren’t available for third-party service provider’s except MYOB. This may be extended to other third-party service providers in the future.
 

Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.