Altitude Gold

Cards Customer Service
Call Centre 1300 367 228

Get all the benefits of the Altitude card and a great range of insurance benefits.

Annual fee: $150
Interest rate: 20.74% pa
Up to 45 days interest free on credit purchases³ where your closing balance (including any balance transfer amount or any other promotion) is paid in full by the due date each month
Money magazine award winner
3.99% p.a. for 6 months on balance transfers¹ made at card application
Receive 10,000 bonus Altitude points from when your card is first used²

Key features | Insurance | Additional benefits

Key features

Altitude Gold gives you all the benefits of an Altitude card, plus:

A higher minimum credit limit than the standard Altitude card
FREE Overseas Travel Insurance⁴ cover is available
Free Purchase Security and Extended Warranty Insurances⁴ cover is available
Optional - Credit Card Repayment Protection

Insurance

FREE Overseas Travel Insurance
You will receive free comprehensive overseas travel insurance⁴ cover for trips of up to three months. That's a potential saving of hundreds of dollars. You, and your immediate family travelling with you, automatically receive:

Unlimited medical expenses cover
Up to $15,000 cover for lost luggage, personal effects or travel documents
Up to $2.5million of personal liability
Rental vehicle collision damage and theft excess cover of up to $5,000

Plus, in the event of your death or defined injury while travelling on public transport (including aeroplanes) anywhere in the world, you are covered by Transport Accident Insurance⁴ for up to $250,000.

Shop with free Purchase Security Insurance and Extended Warranty Insurance
Your Altitude Card gives you 90 days free Purchase Security Insurance⁴ cover against loss, theft or accidental damage for most new items you purchased with your Altitude Gold card in Australia and overseas.

Receive free Extended Warranty Insurance⁴ of up to one year, in addition to the manufacturer's warranty, on most new domestic appliances purchased with your Altitude card in Australia.

Additional benefits

Priority Service Line
All Altitude Gold cardholders have access to a Priority Service Line. You can call us on 1300 367 228, 24 hours a day, 7 days a week.

See interest rate table.

Existing Altitude customers

Make the most of your Altitude rewards program by applying for the new Altitude American Express Card.

BT Super for Life

A revolution in superannuation. The first super and retirement fund you can see and manage through Westpac Online.

Altitude Platinum

For more points, more rewards and even more privileges, find out about the Altitude Platinum card.

Got a question about Credit Cards?

General advice on this website has been prepared without taking into account your objectives, financial situation or needs. Before acting on the advice, consider its appropriateness. Consider our disclosure documents, which include Product Disclosure Statements (PDS) for some products. The PDS is relevant when deciding whether to acquire or hold a product. View our Australian Prudential Regulation Authority Registrable Superannuation Entity (RSE) Licence & Registration numbers.

By accessing and viewing this website you agree to be bound by the Terms and Conditions of this website.

Credit card applications are subject to the Bank's normal lending criteria.

Information contained on this site is current as at 18 March 2008.

Download the Consumer Credit Cards Conditions of Use.

1. This special rate is only available to customers who are applying for an applicable Westpac card and wish to transfer the balance(s) from a non-Westpac or non-Virgin credit card(s), charge card(s) or store card(s). Each balance transfer must be a minimum amount of $200. This promotion is only available at point of new card application. The special balance transfer promotional rate will apply from the time the balance transfer is made to your account for the number of months specified in the offer (unless these amounts are paid off earlier). After this time, any amount of the initial balance transfer still outstanding will attract the standard product interest rate then applicable to cash advances. Subsequent balance transfers made after point of new card application will be charged the standard product interest rate applicable to cash advances. Please note that payments made to the credit card are first applied to amounts transferred from other credit cards, charge cards or store cards under this offer, before they applied to any other cash advance or purchase amount. This will mean that the portion of your outstanding account balance that is subject to a lower interest rate will be paid off first and you will not gain the benefit of any interest-free days on purchases until the full balance (including any balance transfer or any other promotional amount) is paid by the statement due date each month.

2. If you obtain a credit card as part of a Westpac package or switch from an existing Westpac card, you are not eligible for the bonus points described. Promotion not available in conjunction with any other promotion. The bonus Altitude points will be added to your account within 8 weeks of when you first use your card. Altitude points not earned on cash advances. You must have earned a minimum of 3,000 points before you can redeem for any rewards. The earning and redemption of Altitude points (including available rewards and expiry of points) is subject to the Altitude Terms and Conditions. You do not receive points if your card account is in arrears for 2 consecutive statement cycles. You are not entitled to points in other circumstances – see the Altitude Terms and Conditions and the Altitude Platinum Terms and Conditions.

3. On credit purchases only, where account balance (including any balance transfer amount) is paid in full by the due date each month. Interest on cash advances is calculated from the date the transaction is debited to your card account.

4. This insurance is issued by Zurich Australian Insurance Limited ABN 13 000 296 640 which is liable for separate risks insured under the terms of each policy. These insurance products are complimentary and provided free of charge to the cardholder. The cardholder is under no obligation to accept the insurance cover and cover is subject to the conditions, limits and exclusions on cover, which are explained in the policy wording. No Westpac Group company has any liability in connection with the insurance policies. Policy wording may be obtained by calling 1300 367 228 or by downloading the Gold Card Insurance Conditions of Use.

Fees and charges apply to Gold Cards. Full details of current Terms and Conditions are available on request. These may be varied, or new terms and conditions introduced in the future.