Altitude Gold
Essentials
- For a limited time, pay 1.99% p.a. for up to 9 months on balance transfers 4
-
Earn Altitude points on purchases 1 ®
- 2 Altitude points per $1 spent on your Altitude Gold American Express ® Card
- 1 Altitude point per $1 spent on your Altitude Gold Visa ® Card or Altitude Gold MasterCard ® - Two credit cards linked to one account - with one monthly statement and one credit limit
- Money magazine Award Winner - Altitude Gold American Express ® Card
- No points capping or expiry
- Receive 10,000 bonus Altitude points when you first use either card for a purchase 2
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Complimentary insurance covers in accordance with the policy 3 :
- Overseas Travel Insurance cover for trips of up to 3 months
- Purchase Security Insurance cover for 3 months
- Extended Warranty Insurance cover for up to 12 months - 1.99% p.a. on balance transfers for up to 9 months4
- Interest rates (variable): 19.64% p.a. on purchases, 21.24% p.a. on cash advances
- Annual fee - $150
- Paperless eStatements available.
Things you should know
- 1.The earning and redemption of Altitude points (including available rewards and expiry of points) is subject to the Altitude Rewards Terms and Conditions (PDF 479kb). Altitude points are not earned on cash advances 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 Altitude Rewards Terms and Conditions (PDF 479kb). You must have earned a minimum of 3,000 points before you can redeem for any rewards.
- 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. The bonus points will be added to your Altitude points balance within three business days of the first purchase transaction being debited to your account.
- 3.This is only a brief summary of the cover, which is subject to the terms and conditions and exclusions of the policy. For example, complimentary overseas travel insurance cover is only available for overseas trips of up to 3 months. The benefit of the cover only extends to the primary and secondary cardholders and their spouses and certain dependent children travelling with either the primary or secondary cardholders. The return overseas travel ticket must have been purchased using your Altitude Gold American Express ® Card, your Altitude Gold Visa ® Card or your Altitude Gold MasterCard ® prior to leaving Australia. This cover and the other insurance covers are issued by Zurich Australian Insurance Limited ABN 13 000 296 640 AFSL 232507 (Zurich) to Westpac Banking Corporation under separate Master Policies. Zurich is liable for separate risks insured under the terms of each of those policies. The benefits of the insurance covers are extended to Westpac’s cardholders (as third party beneficiaries) as complimentary benefits. The cardholder is under no obligation to accept the benefits of the cover. For the benefit of the various insurance covers to extend to the cardholder, the cardholder must comply with the insurance terms and conditions. Exclusions apply. No Westpac Group company has any liability in connection with the insurance policies. Policy wording may be obtained by calling 1300 762 284 or downloading the Altitude Rewards Terms and Conditions (PDF 479kb).
- 4.This promotional rate is available to customers who are applying for a new Altitude Gold card and request at application, to transfer the balance(s) from non-Westpac credit card(s), charge card(s) or store card(s). This promotion is only available at point of application, where the card application is received by 31 October 2010. Subsequent balance transfers will be charged at the standard purchase interest rate currently 19.64% p.a. and will be treated as purchases with no interest free days applying to them. Payments made to your credit card account are first applied to any amounts transferred from other credit cards, charge cards or store cards under this promotion, before they are applied to any other purchase or cash advance amount. This means that the portion of your outstanding account balance that is subject to a lower interest rate will be paid off first. You will not gain the benefit of the interest free period on credit purchases until the full balance (including any balance transfer and any other promotional amount) is paid by the statement due date each month. After 9 months the balance transfer rate will switch back to your credit card standard variable rate for purchases then applicable to your product. Each balance transfer must be a minimum of $200.
- American Express® is a registered trademark of American Express Company.
- MasterCard® and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.
- Visa® is a registered trademark of Visa Worldwide PTe Limited.
Features
Earn up to 2 Altitude points for every dollar spent on purchases
- Earn 2 Altitude points per $1 spent on purchases using your Altitude Gold American Express ® Card 1
- Earn 1 Altitude point per $1 spent on purchases using your Altitude Gold Visa ® or Altitude Gold MasterCard ® 1
- No points capping and no points expiry (as long as you remain an Altitude cardholder).
Receive 2 cards linked to one account
- Each Altitude account has two cards: an Altitude Gold American Express ® Card and your choice of either an Altitude Gold Visa Card ® or Altitude Gold MasterCard ®
- Use your Altitude American Express ® Card to maximise your points earning potential
- Your Altitude Gold Visa Card ® or Altitude MasterCard ® comes with the convenience of acceptance at over 28 million locations worldwide and ATM access.
Earn bonus points
- Receive 10,000 bonus Altitude points when you first use either card for a purchase 2
- Up to 1 bonus point for every dollar spent at participating bonus partners within Australia 3: view a complete list at altituderewards.com.au
- One bonus point for every dollar spent on brokerage when you trade through Westpac Online Investing.4
Complimentary travel insurance cover 5
Complimentary overseas travel insurance for trips up to 3 months for you and your immediate family travelling with you when you pay for your return tickets prior to leaving Australia, using either of your Altitude Gold cards, in accordance with the policy. This includes:
- Unlimited medical expenses cover
- Up to $15,000 per person cover for loss or damage to personal property as specified in the policy – up to $500 for loss or damage to travel documents
- Up to $2.5 million of personal liability cover
- Up to $5,000 rental vehicle loss or damage excess cover as specified in the policy.
Complimentary transit accident insurance cover 5
- Up to $250,000 transit accident insurance in the event of death or defined injury while travelling on plane, bus, train or ferry when you have purchased the tickets for the journey using either of your Altitude Gold cards before you leave, in accordance with the policy.
Complimentary purchase security insurance cover 5
Receive up to 90 days cover against loss, theft or accidental damage for most new items purchased in Australia and overseas, in accordance with the policy.
Complimentary extended warranty insurance cover 5
Receive up to one year’s extended warranty insurance cover (in addition to the manufacturer’s expressed Australian warranty) on most new personal items purchased using your Altitude Gold card in accordance with the policy
More about the Altitude Gold Card
- 1.99% p.a. interest for 9 months on balance transfers made at card application 7
- Up to 45 days interest free on purchases (as long as you pay your closing balance (including any promotional amount) in full by the statement due date each month 6
- Protect your card against the possibility of fraud by registering with MasterCard SecureCode or Verified by Visa through Westpac's Added Online Security.
- Top-up your points using our Points Plus Payment option to redeem rewards fast 8– see altituderewards.com.au
- Optional credit card repayment protection insurance available to cover repayments in the event of death, ill health or job loss
- Link your Altitude MasterCard ® or Altitude Gold Visa ® Card to your Westpac transaction or savings account
- Get a cash advance using your Altitude Gold Visa ® Card or Altitude Gold MasterCard ® from ATMs displaying the MasterCard ® or Visa ® logo and from financial institutions worldwide. 9
- Book car rentals, flights and hotels through our personalised travel service – call Altitude Travel on 1300 887 820 and earn extra Altitude points. 10
- Get extra security when you shop at participating online retailers by registering with MasterCard ® SecureCode™, or Verified by Visa ®,through Westpac Added Online Security service.
Priority service line
All Altitude Gold cardholders have access to a priority service line for all services. Call us on 1300 367 228, 24 hours a day, 7 days a week.
Things you should know
- 1.The earning and redemption of Altitude points (including available rewards and expiry of points) is subject to the Altitude Rewards Terms and Conditions. Points do not expire as long as you remain an Altitude cardholder unless the program is terminated. Altitude points are not earned on cash advances (see Consumer cards Conditions of Use for what we regard as cash advances.) This includes the purchase of gambling chips and traveller’s cheques and ATM cash withdrawals). You must earn a minimum of 3,000 points before you can redeem for any rewards. You do not receive Altitude points if your card account is in arrears for 2 consecutive statement cycles. You are not entitled to points in other circumstances – see Altitude Rewards Terms and Conditions (PDF 479kb).
- 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 promotion bonus points described. This promotion is not available in conjunction with any other promotion. The bonus Altitude points will be added to your account within three business days of when you first use your card for a purchase.
- 3.Altitude bonus points are earned on purchases made at participating Bonus Partner outlets. Only Australian Bonus Partner outlets apply unless stated otherwise.
- 4.To earn Altitude Points with Westpac Securities, you must register your card and agree to the terms and conditions on the Westpac Online Investing website. Simply log into your Online Investing account, go to My Account, My Profile then Altitude. and follow the instructions in the Rewards section. Westpac Securities offer an online trading service specifically designed for self – directed investors and direct traders. Westpac Securities can help make trading easy and affordable. Trades start from $24.95 per trade with no account-keeping or subscription fees, and no minimum number of trades per month. If you are not a Westpac Securities customer already, you can join at westpac.com.au. Share trading through Westpac Securities is provided by Australian Investment Exchange Ltd ("AUSIEX") ABN 71 076 515 930 AFSL 241400, a Participant of the ASX Group.
- 5.Complimentary Overseas Travel Insurance is only available for trips of up to 3 months. 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. The cover only extends to the primary and secondary card holder, and their spouse and dependent children travelling with either the primary or secondary cardholder. 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 (PDF 275kb).
- 6.Interest on cash advances is calculated from the date the transaction is debited to your card account.
- 7.This promotional rate is available to customers who are applying for a new Altitude Gold card and request at application, to transfer the balance(s) from non-Westpac credit card(s), charge card(s) or store card(s). This promotion is only available at point of application, where the card application is received by 31 October 2010. Subsequent balance transfers will be charged at the standard purchase interest rate currently 19.64% p.a. and will be treated as purchases with no interest free days applying to them. Payments made to your credit card account are first applied to any amounts transferred from other credit cards, charge cards or store cards under this promotion, before they are applied to any other purchase or cash advance amount. This means that the portion of your outstanding account balance that is subject to a lower interest rate will be paid off first. You will not gain the benefit of the interest free period on credit purchases until the full balance (including any balance transfer and any other promotional amount) is paid by the statement due date each month. After 9 months the balance transfer rate will switch back to your credit card standard variable rate for purchases then applicable to your product. Each balance transfer must be a minimum of $200.
- 8.Variable Points Plus Payment requires a minimum of 3,000 Altitude points and a minimum payment component of $5. The option is not available to redeem the Altitude Annual Fee Rebate, bank related products, GM Holden Rebate Vouchers or frequent flyer points. Terms and conditions apply.
- 9.A cash advance fee applies. Foreign transaction fees may also apply.
- 10.Altitude Travel gives you access to most major domestic and international airlines within and from Australia and their connecting partner airlines. As with booking through a travel agent, in certain circumstances seats may not be available on the airline or flight of your choice at the time you wish to travel. Terms and conditions apply. For further details call Altitude Travel on 1300 887 820.
- American Express® is a registered trademark of American Express Company.
- MasterCard® and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.
- Visa® is a registered trademark of Visa Worldwide PTe Limited.
Fees
| Fee* | Amount |
|---|---|
| Annual fee | $150 |
| Westpac Foreign Transaction Fee |
The Westpac Foreign Transaction Fee may be payable. This fee is the sum of the Westpac Processing Fee and the Westpac On-Charged Scheme Fee. |
| Westpac Processing Fee |
For Altitude Visa® Card and Altitude MasterCard® |
| Westpac On-Charged Scheme Fee |
The Credit Card schemes also charge fees when processing Credit Card transactions made in foreign currencies. The fees are either charged during the process of converting the foreign currency amount into Australian dollars, or are charged separately to Westpac and passed on to you by us. The fees vary depending on the applicable Credit Card scheme:
|
| Cash advances/Withdrawal fee |
An administrative charge of 2% of the value of the transaction will apply to each cash advance made on your card account:
These charges will appear on your credit card statement directly below the relevant cash advance. |
| Missed payment charge |
A charge of $9 may be payable each statement cycle that the whole of the minimum monthly payment is not paid by the statement due date. If charged, the Missed Payment Charge will be debited to your account. |
| Over-limit fee |
A fee of $9 may be debited from your credit card account every time you exceed your credit limit during a statement cycle. It is debited from your account in that statement cycle, on or after the day(s) your credit limit is exceeded. This fee may also be charged whenever your account is over limit at the commencement of a statement cycle. |
| Duplicate statement fee |
A fee of $7.50 may be debited from your credit card account if you, or an additional cardholder, order a copy of a statement that has already been issued for your account. This fee is debited from your account on or after the day you order the duplicate statement. |
| eStatements | NIL |
| Other fees and charges | Download the Consumer Credit Cards Conditions of Use (PDF 232kb). |
*Fees are subject to change
Things you should know
- 1.Visa Worldwide PTe LTD ('Visa') Service Association charges us 1.0% of the transaction amount where a transaction is made using your Visa ® Card and the merchant or financial institution accepting the card is located outside of Australia. We pass this amount on to our customers.
- 2.American Express ® International Incorporated charges us this fee on the transaction amount for converting foreign currency transactions made using an American Express ® into Australian dollars. We pass this amount on to our customers.
- 3.MasterCard ® International Incorporated charges us 0.8% of the transaction amount where a transaction is made using your MasterCard ® and the merchant or financial institution accepting the card is located outside of Australia. We pass this amount on to our customers.
- 4.MasterCard ® International Incorporated charges us 0.2% of the transaction amount for converting foreign currency transactions made using a MasterCard ® into Australian dollars. We pass this amount on to our customers.
- American Express® is a registered trademark of American Express Company.
- MasterCard® and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.
- Visa® is a registered trademark of Visa Worldwide PTe Limited.
Rates
| Interest rates | |
|---|---|
| Purchases | 19.64% p.a. (variable) |
| Cash advances | 21.24% p.a. (variable) |
| Balance transfers (requested at new card application) 1 | 1.99% p.a. for up to 9 months 1 |
View the Altitude Gold essentials.
Things you should know
- 1.This promotional rate is available to customers who are applying for a new Altitude Gold card and request at application, to transfer the balance(s) from non-Westpac credit card(s), charge card(s) or store card(s). This promotion is only available at point of application, where the card application is received by 31 October 2010. Subsequent balance transfers will be charged at the standard purchase interest rate currently 19.64% p.a. and will be treated as purchases with no interest free days applying to them. Payments made to your credit card account are first applied to any amounts transferred from other credit cards, charge cards or store cards under this promotion, before they are applied to any other purchase or cash advance amount. This means that the portion of your outstanding account balance that is subject to a lower interest rate will be paid off first. You will not gain the benefit of the interest free period on credit purchases until the full balance (including any balance transfer and any other promotional amount) is paid by the statement due date each month. After 9 months the balance transfer rate will switch back to your credit card standard variable rate for purchases then applicable to your product. Each balance transfer must be a minimum of $200.
Rewards
Redeem points for flights and rewards
- Redeem Altitude points for flights on many of the world's major airlines through Altitude Travel 1
- Redeem Altitude points for frequent flyer points in the frequent flyer programs of Virgin Blue, Malaysia Airlines, Air New Zealand or Singapore Airlines 2
- Redeem Altitude points for a wide range of rewards, including the latest technological gadgets, homewares, clothing, wine, as well as shopping vouchers for a wide range of retailers including David Jones, Myer, Harvey Norman and Bunnings. 3
For more information visit altituderewards.com.au
You don’t have enough Altitude points to redeem a reward?
You now have the option of using our Variable Point Plus Payment 4 by redeeming online. With Altitude you can utilise Variable Points Plus Payment when you redeem, meaning you can redeem the points you have and pay the remaining value of the reward with cash or credit when you make bookings (requires a minimum of 3,000 points and a minimum of $5 payment amount).
Things you should know
- 1.Altitude Travel gives you access to most major domestic and international airlines within and from Australia and their connecting partner airlines. As with booking through a travel agent, in certain circumstances seats may not be available on the airline or flight of your choice at the time you wish to travel. Terms and Conditions apply. For further details call Altitude Travel on 1300 887 820.
- 2.You must be a member of the relevant frequent flyer program to redeem Altitude points for frequent flyer points. Under the Altitude Rewards Terms and Conditions, you must have earned at least 3,000 Altitude points before you can redeem them for frequent flyer points and redeem a minimum of 3,000 points with additional increments in multiples of 500 points at a time for frequent flyer points. Award flights are subject to capacity controls and availability is limited. Some flights may not have any Award seats available. The Terms and Conditions of the relevant frequent flyer program apply.
- 3.The earning and redemption of Altitude points (including available rewards and expiry of points) is subject to the Altitude Rewards Terms and Conditions (PDF 470Kb). Altitude points are not earned on cash advances. 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 Altitude Rewards Terms and Conditions (PDF 470Kb). You must have earned a minimum of 3,000 points before you can redeem for any rewards
- 4.Variable Points Plus Payment requires a minimum of 3,000 Altitude points and a minimum payment component of $5. The option will not be available to redeem the Altitude Annual Fee Rebate or other Bank related products, GM Holden Rebate Vouchers or frequent flyer points. Terms and Conditions apply.
