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Altitude Business card changes

The Altitude Business Mastercard® and Altitude Business Mastercard Gold card to be replaced by the Altitude Business Gold Visa card.

From 30 April 2017, we’ll be phasing out the Altitude Business Mastercard and the Altitude Business Gold Mastercard. This means that your current Mastercard and American Express® cards will be replaced with the Altitude Business Gold Visa and American Express cards, if you have one. All terms, fees, charges, interest rates and your PIN will remain unchanged.

All cardholders can continue to use their card(s) as normal until 30 April 2017.

Customers should now have received their replacement card which was sent to them in the mail in February 2017.

If you haven’t received your replacement card, or have any questions, please call us on 132 032 or visit a branch.

Please note that the account number and the BPAY® payment details will change after activation of the replacement card or 30 April 2017 whichever happens first.

Two cards linked to one account


Benefits of the Altitude Business Gold cards

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.

With Altitude Business Gold, you receive two cards - an Altitude Business Gold Visa and an Altitude Business Gold American Express®.

Points earned per $1 spent on eligible transactions

  • 2 Altitude Points with Altitude Business Gold American Express Card
  • 1 Altitude Point using Altitude Business Gold Visa
  • 0.5 Altitude Points on government payments with Altitude Business Gold cards

Complimentary insurance

Travel knowing that you, your family, your business and your possessions are covered against injury, loss, theft or damage in accordance with the policy (conditions, limits and exclusions apply).

Up to 45 days interest free on purchases

Up to 45 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 exporting your transactions into MYOB and BAS with ease. You can also download your transactions into excel to make analysis of your business transactions easy (check the terms and conditions before deciding).

Safe and sound transactions.

Enjoy the peace of mind that comes with Westpac Added Online Security.

Contactless technology.

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

Points cap applies.

For each statement cycle a points cap of 20,000 points applies when using either or both credit cards. Bonus points do not count towards the points cap.

Frequently Asked Questions

Will I pay more fees for the Altitude Business Gold Visa cards?
Will my card numbers and expiry dates change?
Do I need to activate my replacement Altitude Business Gold American Express card?
What happens to my existing American Express card?
When I activate my replacement card what happens to my existing credit card account balance and any balance transfer amounts?
What happens if I don’t want the replacement Altitude Business Gold cards?
Will my statements change?
Will I still have access to my transaction history and historical statements through Westpac Live Online Banking?
Will the monthly repayment date on my statement remain the same?
What about my existing automatic payments to merchants?
What about my auto pay arrangement to pay down my credit card balance?
Things you should know

Altitude Business Credit Cards Conditions of Use (PDF 4MB)

Altitude Business Rewards Terms and Conditions (PDF 113KB)

Westpac Business Credit Cards Complimentary Insurance Policy (PDF 325KB)

Westpac Business Credit Cards Complimentary Insurance Policy (For claim events prior to 1 June 2015) (PDF 306KB)


Redeeming Altitude points to Frequent Flyer points: You must be a member of the relevant frequent flyer program to redeem Altitude points for frequent flyer points. The Altitude Business Rewards Terms and Conditions and the terms and conditions of the relevant frequent flyer program apply. A joining fee may apply. Availability of award flights may be limited.

Complimentary Insurance covers
: QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 which allows eligible Westpac Bank account holders and cardholders to claim under it as third party beneficiaries. The terms, conditions, limits and exclusions, of the group policy, are set out in Westpac Business Credit Cards Complimentary Insurance (Effective 1 June 2015) which may be amended from time to time. Westpac does not guarantee the insurance. You can get a copy of the policy booklet by calling 1300 367 228.

World Mastercard®, Mastercard® and the Mastercard brand mark are registered trademarks, and PayPass is a trademark of Mastercard International Incorporated.

American Express® is a registered trademark of American Express. The Westpac American Express Card is issued by Westpac Banking Corporation pursuant to a license from American Express.

BPAY® is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518.