Current as at: 16th October 2019
This information sheet is an Australian Government requirement under the National Consumer Credit Protection Act 2009
| 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 | Up to 45 days on purchases only | Up to 45 days on purchases only | Up to 55 days on purchases only | Up to 55 days on purchases only | Up to 55 days on purchases only | Up to 45 days on purchases only |
| 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 |
| Annual card fee | $150 plus a separate $50 Rewards Fee charged annually (applicable only when the Altitude Qantas or Altitude Velocity rewards program is selected). | $250 plus a separate $50 Rewards Fee charged annually (applicable only when the Altitude Qantas or Altitude Velocity rewards program is selected)
|
$0 in first year $30, waived in subsequent years when you spend $5,000 or more on purchases in each 12 months from the anniversary date of the first transaction on your account. |
$0 in first year $90, waived in subsequent years when you spend $10,000 or more on purchases in each 12 months from the anniversary date of the first transaction on your account. |
$59 | $108 ($9 each month) |
| Late payment fee | $15 | $15 | $15 | $15 | $15 | $0 |
There may be circumstances in which you have to pay other fees. A full list of current fees applicable to these credit cards can be obtained from www.westpac.com.au/creditcardfees |
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