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Our current 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 card application.2

For new cards approved by 29th September 2020. Exclusions apply.

Altitude Business Gold Mastercard

Complimentary insurance3

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


Earn Altitude Points

With Altitude Business Gold Mastercard credit cards, use your Altitude Points per $1 spent on eligible transactions you can redeem a great range of rewards, for you or your business.

Altitude Points earned per $1 spent on eligible business purchases:

  • Mastercard: 1
  • Government payments: 0.5
  • For each statement cycle, a cap of 20,000 points applies. Bonus points do not count towards the points cap.

Redeem Altitude Points

Business rewards

Redeem your Altitude Points (minimum 3,000) for a wide range of rewards including:

  • Business rewards including office furniture and technology
  • Travel
  • Flights
  • Merchandise
  • Dollars into superannuation with BT Super for Life
  • Gift vouchers.
Flight rewards

Use your Altitude Points to redeem frequent flyer points in 6 different frequent flyer programs:

  • Qantas Frequent Flyer
  • Virgin Australia's Velocity
  • Malaysia Airline's Enrich
  • Air New Zealand Airpoints
  • Singapore Airlines KrisFlyer
  • Cathay Pacific AsiaMiles.


Check for participating updates, special promotions and to find out more.

Receive a range of complimentary platinum insurance covers3 as part of Altitude Business Gold Mastercard.

The information below is a summary only. Please refer to the Business Credit Card Complimentary Insurance Terms and Conditions (PDF 238KB) for full details on benefits, terms, limits, conditions and exclusions. An excess may be deducted from certain payments as detailed in the policy booklet.


  • Overseas Travel insurance  (which may include your spouse and certain dependent children) for up to 3 months up to the amount specified in the policy (terms, conditions, limits and exclusions apply) - when overseas return tickets are purchased on your eligible credit card before you leave and additional eligibility criteria as set out in the Westpac Business Credit Cards Complimentary Insurance Policy is fulfilled.
  • Transit Accident insurance - protection against specified accidental death or injury when sustained whilst outside Australia while boarding, or riding, or alighting as a passenger in a plane, bus, train or ferry up to the amount specified in the policy (terms, conditions, limits and exclusions apply).

Please refer to Travel Alerts and Information as you may not be covered or your claim may be affected in circumstances where you have failed to follow advice or take heed of a warning from any government or official body, or any publication or broadcast by any member of the mass media.

Purchase-related insurance

  • Purchase Security insurance - cover up to the amount specified in the Westpac Business Credit Cards Complimentary Insurance Policy for up to 3 months against specified loss, theft or damage to business items or personal goods purchased anywhere in the world, where the entire purchase is charged to your eligible credit card account.
  • Extended Warranty insurance - beyond the expressed Australian warranty on business items (by up to 3 months) and personal goods (by up to 12 months) where the entire purchase is charged to your eligible credit card account..
  • Price guarantee cover - this cover may allow the cardholder to get the best price if, within 21 days after the purchase of a personal good, they advise us that they have subsequent to their purchase received a printed catalogue showing the same personal good (same model number and model year), by the same manufacturer, for a lower price from a store within 25km of the store from where the personal good was purchased, and the price difference is greater than $75 (up to $350).

Business-related insurance

  • Account holder's Unauthorised Transaction insurance - receive automatic protection (up to $20,000 per cardholder and $150,000 per account holder) against unauthorised transactions made by cardholders in a 12 month period (if you are the principal and the account holder of the card)
  • Account holder's Business Inconvenience insurance - cover for up to $10,000 (up to $500 per hour) a year if the account holder's business premises are invaded during normal business hours, and up to $10,500 for recruitment expenses incurred for replacement of a cardholder unable to continue their employment.



Annual card fee $150 
Current online promotion: $0 annual card fee for the first year when you apply and are approved between 27th February 2020 and 29th September 2020. New cards only.
Foreign transaction fee A Foreign Transaction Fee is payable as a percentage of the Australian dollar value of any Foreign Transaction.
  1. Transactions in foreign currency
    • Mastercard: 3.0%
  2. Transactions in Australian dollars and the merchant or financial institution accepting the card is located overseas:
    • Mastercard: 3.0%

Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia.

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, where your account has a negative (debit) balance after the transaction has been posted to it. A minimum charge of $2.50 and a maximum charge of $150 will apply.


Where your account has a positive (credit) balance after the transaction has been posted to it, only a charge of $2.50 will apply.

These charges will appear on your credit card statement directly below the relevant cash advance.


Missed payment charge $15 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

$15 may be debited from your Altitude Business Gold Mastercard 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

$2 may be debited from your Altitude Business Gold Mastercard 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.


Interest rates

Purchases 20.24% (variable)
Cash advances 20.74% (variable)

Information needed

What to expect

  • 10 mins (5 mins for existing customers)
  • Save and return within 14 days
  • Instant response
  • Complete transfer of your card balance.

Who can apply?

  • 18+ years old
  • Australian permanent resident
  • Earn a minimum $30,000 per annum
  • For business or investment purposes.
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 between 27th February 2020 and 29th September 2020. The first annual card fee will be debited on the 12-month anniversary of the first transaction on your account and annually thereafter.
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 credit card between 18 July 2016 and 29th September 2020 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 variable purchase rate will apply to balance(s) transferred but left unpaid at the end of the 12 month promotional period. 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 purchase 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.
3. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 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 Westpac cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the Westpac Business Credit Cards Complimentary Insurance Policy (PDF 761KB) /   Commercial Cards Insurance Policy (PDF 1MB) which may be amended from time to time. Westpac does not guarantee this insurance.

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.

Mastercard is a registered trademark, and the circles design and tap & go are trademarks of Mastercard International Incorporated.