Altitude Business Gold Credit Card
The business credit card that turns start-up expenses into rewards.
Special offers
$0 annual card fee for one year. 1
We understand that every dollar counts when you’re launching a business. That’s why we’re offering to help your business get started with a $150 saving.
New Altitude Business Gold credit cards will have the first-year annual card fee waived – which means you pay $0 in year one.
This offer is not available in conjunction with any other special offers and may be varied or withdrawn at any time. Terms & conditions and credit criteria apply.
Features for your business from day one - Altitude Business Gold Credit Card
You don’t need corporate complexity – you need a smart start-up credit card designed to help sole traders and new business owners find their financial rhythm quickly.
Interest Free Days
Get up to 55 days interest free on purchases, which means you have some breathing room between when you purchase and when you pay2.
Digital Wallets
Fast and secure business payments made easy on the go when you link your business credit card to your digital wallet.
Business Rewards
Earn up to 20,000 Altitude Reward Points, per statement cycle, on all eligible purchases, including government payments.
Business Money Tools
Tracking expenses, personalised transaction category tagging and cash flow insight tools are designed to save you time on business admin.
One Additional Card – No fee
Make everyday payments easier and earn reward points faster with an additional card – with no additional card fee.
Helping support your business
Complimentary Insurances3 has a range of cover benefits available including Unauthorised Transaction Insurance and travel insurance options.
How to apply online and get a response in 60 seconds
A Westpac Altitude Business Gold credit card is a personal liability product, best suited for sole trader. Apply for a credit card limit from $1,000 up to $80,000.
Business Credit Card Rewards and Extras
For every $1 spent on eligible purchases with an Altitude Business Gold credit card, you will earn Altitude Business Reward Points as follows:
International merchants |
1.5 points |
| Australian merchants | 1.5 points |
| Government payments | 0.5 points |
| Reward Points earn per statement cycle | up to 20,000 |
Altitude Reward Points do not expire while your account is open. To understand more about the Altitude Business Rewards program please refer to the Terms and Conditions (PDF 120KB) booklet or visit Altitude Business Rewards Program.
Business Credit Card Rates and Fees
With an Altitude Business Gold credit card, you can apply for a limit of $1,000 up to $80,000.
Fees |
Amount |
|---|---|
| Variable Purchase rate | 20.24% |
| Variable Cash rate | 20.74% |
| Card Fee (per year) |
$150 $0 Card Fee for the first year. New card applications only. 1 |
| Foreign transaction fee | 3% A Foreign transaction fee is payable as a percentage of the Australian dollar value. Applies for transactions in a foreign currency, or in Australian dollars but processed by an overseas merchant or financial institution. Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia. |
| Cash Advance Fee | 3% 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.
|
Bank securely with Westpac Protect™
Our Westpac Protect™ services are here to help keep you safe from fraudsters - protecting you, your finances and your family. Our technology constantly learns from your banking activity, helping to keep you safe from unusual activity.
Frequently asked questions
There are two liability types business owners can choose from when applying for a Westpac business credit card and it simply means who is responsible / liable for repaying the transactions made on the business credit card.
An Altitude Business Gold credit card is a personal liability credit card which means the individual owner of the account is personally liable for the payment of all amounts owing on the credit card account and ensuring all cardholders comply with the Terms and Conditions of the credit card.
Personal liability credit cards are suited to small business owners, including sole traders where an individual chooses to take personal responsibility for repaying the outstanding balance owing on the business credit card.
To apply for a Personal Liability credit card, you will need to provide details of your individual income, employment, personal expenses and liabilities.
A business liability credit card such as our BusinessChoice credit cards, are suited to circumstances where the Business (whatever business type that may be) is liable for the payment of all amounts owing on the credit card account and ensuring all cardholders comply with the Terms and Conditions of the credit card. This can be preferable for companies and other business structures where owners or other responsible individuals prefer the business is liable for the facility rather than them individually.
When applying for a business liability credit card with Westpac, you will need to provide details of the business income, expenses, liabilities and assets together with supporting information.
No, your Altitude rewards points do not expire while your card is open.
Eligible purchases made with an Altitude Gold Business credit card and any additional card can earn up to 20,000 reward points per statement cycle, for you to redeem at any time.
Full details can be found within the Westpac Business Rewards Terms and Conditions (PDF 120KB) booklet.
An eligible business credit card purchase that will earn rewards points includes transactions and payments made with Australian and Overseas merchants.
Unlike a personal credit card, a business credit card such as our Altitude Business Gold Credit Card earns rewards points on government payments, in addition to Australian and Overseas merchants. Government payments include:
- payments to the Australian Taxation Office;
- payments for vehicle licensing and registration;
- paying fines issued by any government, agency, service or department;
- paying council rates or fees; or
The following transactions do not earn points:
- BPAY payments
- Balance Transfers
- Cash Advance
- Interest and other bank fees and charges
- Government charges (other than GST payable in connection with the purchase of goods or services on which you earn points)
- Purchase refunds and other credits such as cash back, made to your business credit card
Full details about earning points can be found within the Westpac Altitude Business Rewards Terms and Conditions (PDF 120KB) booklet.
Help when you need it
Things you should know
Fees, charges and credit criteria apply. Read the terms and conditions available above before making a decision.
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 120KB). You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances outlined in the Altitude Business Rewards Terms and Conditions. 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.
2. Interest Free Days: up to 55 days interest free on purchases is available when you pay the Closing Balance or the Monthly Payment Balance if you have a Balance Transfer, in full by the payment due date.
4. This claim is based on The Forrester Digital Experience Review™ of 4 Australian mobile banking apps in Q3 2025. Future findings are subject to change. Forrester does not endorse any company or brand, nor their products or services, nor advise anyone to select them based on this review. If you want to learn more, go to the Forrester website.
Information correct as of 14th September 2026.