Current as at: 29th June 2017
This information sheet is an Australian Government requirement under the National Consumer Credit Protection Act 2009
| Product Name | Altitude Card | Altitude Platinum Card | Altitude Black Card | 55 Day Card | 55 Day Platinum Card | Low Rate Card | Westpac Lite Card |
|---|---|---|---|---|---|---|---|
| Minimum credit limit | $1,000 | $6,000 | $15,000 | $1,000 | $6,000 | $1,000 | $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. | 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 | 20.24% p.a. | 20.24% p.a. | 20.24% p.a. | 19.84% p.a. | 19.84% p.a. | 13.49% 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 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 | 20.74% p.a. | 20.74% p.a. | 20.74% p.a. | 21.29% p.a. | 21.29% p.a. | 21.49% p.a. | Cash advances are not available |
| Balance transfer interest rate | - |
- | - | 0% p.a. for 18 months on balance transfers requested at card application (2% balance transfer fee applies), then switches to 19.84% p.a. | 0% p.a. for 18 months on balance transfers requested at card application (2% balance transfer fee applies), then switches to 19.84% p.a. | 0% p.a. for 18 months on balance transfers requested at card application (2% balance transfer fee applies), then switches to 13.49% p.a. | Balance transfers are not available |
| Annual card fee | $100 | $150 | $395
$200 off the first annual card fee (bringing the fee to $195). New cards only. Exclusions apply. |
$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 | $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 For more information on choosing and using credit cards visit the ASIC consumer website at www.moneysmart.gov.au The terms on which these credit cards are offered can change over time. You can check if any changes have been made by visiting www.westpac.com.au/creditcardkeyfactssheet
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