Key facts about these credit cards
This information sheet is an Australian Government requirement under the National Consumer Credit Protection Act 2009.
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Correct as at: 30 September 2026
Description of Credit Cards
| Product Name | Altitude Platinum Card | Altitude Black Card | Low Fee Card | Low Rate Card | Westpac Lite Card |
|---|---|---|---|---|---|
| Minimum credit limit | $3,000 | $6,000 | $500 | $500 | $1,000 |
| Minimum repayments | 2.5% of the closing balance outstanding, or $25; whichever is greater. If the closing balance is less than $25, it must be paid in full. | 2.5% of the closing balance outstanding, or $25; whichever is greater. If the closing balance is less than $25, it must be paid in full. | 2% of the closing balance outstanding, or $10; whichever is greater. If the closing balance is less than $10, it must be paid in full. | 2% of the closing balance outstanding, or $10; whichever is greater. If the closing balance is less than $10, it must be paid in full. | 2% of the closing balance outstanding, or $10; whichever is greater. If the closing balance is less than $10, it must be paid in full. |
| Interest on purchases[#] | 23.98% p.a. | 20.99% p.a. | 13.74% p.a. | 9.90% p.a. | |
| Interest free period[#] | Up to 45 days on purchases only | Up to 55 days on purchases only | Up to 45 days on purchases only | ||
| Interest on cash advances[#] | 23.99% p.a. | 23.99% p.a. | 21.99% p.a. | 21.99% p.a. | Not offered |
| Balance transfer interest rate[#] | For each product, please refer to the Balance Transfer interest rate, term and balance transfer fee (if applicable) set out in the offer details viewed by you. | Not offered | |||
| Annual or monthly fee[#],[#] | $175 per year | $295 per year | $0 or $30 per year[#] | $7 a month (equating to $84 per year) | $9 a month (equating to $108 per year) |
| Late payment fee[#] | $20 | $0 | |||
There may be circumstances in which you have to pay other fees. A full list of current fees applicable to this credit card can be obtained from www.westpac.com.au/creditcardfees.
For more information on choosing and using credit cards visit the ASIC consumer website at www.moneysmart.gov.au.
Things you should know
Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.