Key facts about these credit cards

Product Name	Altitude Platinum Card	Altitude Black Card	Low Fee Card	Low Fee Platinum Card	Low Rate Card	Westpac Lite Card
Minimum credit limit	$6,000	$15,000	$500	$6,000	$500	$500
Minimum repayments	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.	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	20.49% p.a.	20.49% p.a.	20.09% p.a.	20.09% p.a.	13.74% p.a.	9.90% p.a.
Interest free period on purchases	Up to 45 days¹	Up to 45 days¹	Up to 55 days¹	Up to 55 days¹	Up to 55 days¹	Up to 45 days¹
Interest on cash advances	21.49% p.a.	21.49% p.a.	21.49% p.a.	21.49% p.a.	21.49% p.a.	Cash advances are not available
Promotional purchase rate	n/a	n/a	0% p.a. on purchases for 15 months^#from card approval.	n/a	n/a	n/a
Balance transfer interest rates	0% p.a. for 18 months on balance transfers requested at card application. 1% balance transfer fee applies. Rate then switches to variable cash advance rate^>>.	0% p.a. for 18 months on balance transfers requested at card application. 1% balance transfer fee applies. Rate then switches to variable cash advance rate^##.	6.99% p.a. for 12 months on balance transfers requested at new card application. Rate then switches to variable cash advance rate².	6.99% p.a. for 12 months on balance transfers requested at new card application. Rate then switches to variable cash advance rate².	0% p.a. for 28 months on balance transfers requested at card application. 1% balance transfer fee applies. Rate then switches to variable cash advance rate^**.	Balance transfers are not available
Annual card fee	$99 for the first year ($150 thereafter)⁺⁺.	$250	$0 annual card fee in the first year on a new card. Plus, $0 annual card fee in subsequent years when you spend $5,000 or more on purchases in each 12 months from the date of the first transaction on your account. Otherwise card fee is $30 p.a.^*.	$0 annual card fee in the first year on a new card. Plus, $0 annual card fee in subsequent years when you spend $10,000 or more on purchases in each 12 months from the date of the first transaction on your account, currently saving you $90.^*	$0 for the first year ($59 thereafter)^{^^}	$108 ($9 each month)
Rewards program fee	Altitude Rewards: $0 Altitude Qantas or Altitude Velocity: $50 p.a.	Altitude Rewards: $0 Altitude Qantas or Altitude Velocity: $50 p.a.	n/a	n/a	n/a	n/a
Late payment fee	$15	$15	$15	$15	$15	$0
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. Low Rate Balance transfer promotion: This offer is available when you apply for a new Low Rate credit card between 31st March 2021 and 7th September 2021, and request at card application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. A balance transfer fee of 1% will apply to balance(s) transferred to a new Low Rate credit card. The balance transfer fee will be charged to the card account on the same day the balance(s) are debited to the account. The promotional rate will apply to balance(s) transferred (min $200 up to 80% of your approved available credit limit) for the promotional period. Activating your card triggers the processing of the balance transfer. The applicable variable cash advance rate will apply to any unpaid balance transfer amount remaining at the end of the promotional period unless the amount is paid off earlier. 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 account(s). If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the 'Monthly Payment Balance' listed on your statement of account (not the full closing balance) by the relevant payment due date. These promotional offers are not available if you apply under the Westpac Premier Advantage Package. #Purchase Rate Promotion: The special promotional rate of 0% p.a. on purchases for 15 months applies from card approval when you apply and are approved for a new Low Fee credit card between 31st March 2021 and 7th September 2021. After 15 months the rate will switch to the variable purchase rate then applicable to your card account. >>Altitude Platinum Balance Transfer Promotion: This offer is available when you apply and are approved for a new Altitude Platinum credit card between 31st March 2021 and 7th September 2021, and request at card application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. A balance transfer fee of 1% will apply to balance(s) transferred to a new Altitude Platinum credit card. The balance transfer fee will be charged to the card account on the same day the balance(s) are debited to the account. The promotional rate will apply to balance(s) transferred (min $200 up to 80% of your approved available credit limit) for the promotional period. Activating your card triggers the processing of the balance transfer. The applicable variable cash advance rate will apply to any unpaid balance transfer amount remaining at the end of the promotional period unless the amount is paid off earlier. 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 account(s). If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the 'Monthly Payment Balance' listed on your statement of account (not the full closing balance) by the relevant payment due date. ^^ Low Rate First-Year Annual Card Fee Waiver: is available when you apply and are approved for a new Low Rate credit card between 31st March 2021 and 7th September 2021. After the first year, the $59 annual card fee will be debited to your account annually on the 12-month anniversary of the first transaction on your card account. ##Altitude Black Balance Transfer Promotion: This offer is available when you apply and are approved for a new Altitude Black credit card between 31st March 2021 and 7th September 2021, and request at card application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. A balance transfer fee of 1% will apply to balance(s) transferred to a new Altitude Black credit card. The balance transfer fee will be charged to the card account on the same day the balance(s) are debited to the account. The promotional rate will apply to balance(s) transferred (min $200 up to 80% of your approved available credit limit) for the promotional period. Activating your card triggers the processing of the balance transfer. The applicable variable cash advance rate will apply to any unpaid balance transfer amount remaining at the end of the promotional period, unless the amount is paid off earlier. 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 account(s). If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the 'Monthly Payment Balance' listed on your statement of account (not the full closing balance) by the relevant payment due date. ++Reduced First year Annual Card Fee:** The discounted first year annual card fee of $99 is available when you apply and are approved for a new Altitude Platinum card between 31st March 2021 and 7th September 2021. After the first year, the $150 annual card fee applies and will be debited to your card account on the 12-month anniversary of the first transaction on your account and annually thereafter. A $50 annual rewards fee still applies for Altitude Velocity and Altitude Qantas if you choose these programs. *Low Fee annual card fee waiver: $0 annual card fee is available for the first year and every year afterwards when you apply and are approved for a new ‘Low Fee’ or ‘Low Fee Platinum’ credit card. To qualify, you must meet the spend criteria on eligible purchases ($5,000 or more for a Low Fee card / $10,000 or more for a Low Fee Platinum card) in each 12-month period, starting from the date you made your first transaction. 1. Interest free period is available on purchases when you pay the Closing Balance (or the Monthly Payment Balance with a balance transfer) in full by the payment due date. 2. The balance transfer rate is available when you apply for a new Low Fee Platinum or Low fee card and request at card application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. The balance transfer rate will apply to balance(s) transferred (min $200 up to 80% of your approved available credit limit) for a period of 12 months, unless the amount is paid off earlier. Card activation will trigger the processing of the balance transfer. The applicable variable cash advance rate will apply to balance(s) transferred but left unpaid at the end of the 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 account(s). If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date.Westpac is the credit provider and credit licensee under National Consumer Credit Laws. 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.

**Low Rate Balance transfer promotion: This offer is available when you apply for a new Low Rate credit card between 31st March 2021 and 7th September 2021, and request at card application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. A balance transfer fee of 1% will apply to balance(s) transferred to a new Low Rate credit card. The balance transfer fee will be charged to the card account on the same day the balance(s) are debited to the account. The promotional rate will apply to balance(s) transferred (min $200 up to 80% of your approved available credit limit) for the promotional period. Activating your card triggers the processing of the balance transfer. The applicable variable cash advance rate will apply to any unpaid balance transfer amount remaining at the end of the promotional period unless the amount is paid off earlier. 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 account(s). If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the 'Monthly Payment Balance' listed on your statement of account (not the full closing balance) by the relevant payment due date. These promotional offers are not available if you apply under the Westpac Premier Advantage Package.

#Purchase Rate Promotion: The special promotional rate of 0% p.a. on purchases for 15 months applies from card approval when you apply and are approved for a new Low Fee credit card between 31st March 2021 and 7th September 2021. After 15 months the rate will switch to the variable purchase rate then applicable to your card account.

>>Altitude Platinum Balance Transfer Promotion: This offer is available when you apply and are approved for a new Altitude Platinum credit card between 31st March 2021 and 7th September 2021, and request at card application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. A balance transfer fee of 1% will apply to balance(s) transferred to a new Altitude Platinum credit card. The balance transfer fee will be charged to the card account on the same day the balance(s) are debited to the account. The promotional rate will apply to balance(s) transferred (min $200 up to 80% of your approved available credit limit) for the promotional period. Activating your card triggers the processing of the balance transfer. The applicable variable cash advance rate will apply to any unpaid balance transfer amount remaining at the end of the promotional period unless the amount is paid off earlier. 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 account(s). If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the 'Monthly Payment Balance' listed on your statement of account (not the full closing balance) by the relevant payment due date.

^^ Low Rate First-Year Annual Card Fee Waiver: is available when you apply and are approved for a new Low Rate credit card between 31st March 2021 and 7th September 2021. After the first year, the $59 annual card fee will be debited to your account annually on the 12-month anniversary of the first transaction on your card account.

##Altitude Black Balance Transfer Promotion: This offer is available when you apply and are approved for a new Altitude Black credit card between 31st March 2021 and 7th September 2021, and request at card application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. A balance transfer fee of 1% will apply to balance(s) transferred to a new Altitude Black credit card. The balance transfer fee will be charged to the card account on the same day the balance(s) are debited to the account. The promotional rate will apply to balance(s) transferred (min $200 up to 80% of your approved available credit limit) for the promotional period. Activating your card triggers the processing of the balance transfer. The applicable variable cash advance rate will apply to any unpaid balance transfer amount remaining at the end of the promotional period, unless the amount is paid off earlier. 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 account(s). If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the 'Monthly Payment Balance' listed on your statement of account (not the full closing balance) by the relevant payment due date.

++Reduced First year Annual Card Fee: The discounted first year annual card fee of $99 is available when you apply and are approved for a new Altitude Platinum card between 31st March 2021 and 7th September 2021. After the first year, the $150 annual card fee applies and will be debited to your card account on the 12-month anniversary of the first transaction on your account and annually thereafter. A $50 annual rewards fee still applies for Altitude Velocity and Altitude Qantas if you choose these programs.

*Low Fee annual card fee waiver: $0 annual card fee is available for the first year and every year afterwards when you apply and are approved for a new ‘Low Fee’ or ‘Low Fee Platinum’ credit card. To qualify, you must meet the spend criteria on eligible purchases ($5,000 or more for a Low Fee card / $10,000 or more for a Low Fee Platinum card) in each 12-month period, starting from the date you made your first transaction.

1. Interest free period is available on purchases when you pay the Closing Balance (or the Monthly Payment Balance with a balance transfer) in full by the payment due date.

2. The balance transfer rate is available when you apply for a new Low Fee Platinum or Low fee card and request at card application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. The balance transfer rate will apply to balance(s) transferred (min $200 up to 80% of your approved available credit limit) for a period of 12 months, unless the amount is paid off earlier. Card activation will trigger the processing of the balance transfer. The applicable variable cash advance rate will apply to balance(s) transferred but left unpaid at the end of the 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 account(s). If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date.Westpac is the credit provider and credit licensee under National Consumer Credit Laws.

For more information on choosing and using credit cards visit the ASIC consumer website at www.moneysmart.gov.au

Key facts about these credit cards

Description of credit cards

Things you should know