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The GM Holden card to be replaced by Altitude Platinum Visa card

Last year, GM Holden cardholders were notified that the GM Holden card rebate was expiring in October 2015. Given the rebate program has ended, these GM Holden cards will close on 31 October 2016. To continue to provide you the best value, you’ll be receiving an Altitude Platinum Visa card to replace your existing card.

There will be no changes to the GM Holden card until we close the program and cardholders can continue to use the card as normal until 31 October 2016.

The GM Holden card will be replaced by an Altitude Platinum Visa card. GM Holden customers will receive their replacement Altitude Platinum Visa card in August 2016.

All terms, fees, charges and interest rates on your Altitude Platinum card will stay the same as your GM Holden card, so will your PIN.

Please note that the account number and the BPAY® payment details will change after activation of the replacement card or 31 October 2016 whichever happens first.

Benefits of the Altitude Platinum Visa card

  • Earn Altitude Points that can be redeemed for Holden rebates

    As an Altitude Platinum cardholder, Altitude points can be redeemed for Holden rebates or cardholders can choose from a wide range of rewards including technology, gift cards, travel and frequent flyer points. Take a sneak peak at the Altitude Rewards and the relevant Terms and Conditions at altituderewards.com.au.

    • Earn 1 point for $1 on eligible purchases on the Visa card
    • 7,500 Altitude Points cap for each statement cycle
  • Complimentary insurance covers in accordance with policy1
    • Complimentary overseas travel insurance1
    • Complimentary extended warranty insurance1
    • Complimentary purchase security insurance1
    • Complimentary transit accident insurance1
  • Platinum Concierge2

    Assistance is available 24/7 worldwide to help you with organising emergency travel assistance, purchasing show tickets, hotel and restaurant reservations, car hire and more. Call 1300 859 100.

  • Visa Front Line Access

    Visa Platinum cardholders can enjoy exclusive benefits in travel, shopping and leisure. Enjoy discounted access to airline lounges worldwide when travelling or have first choice of seats to some of the most sought-after events in Australia through Visa Front Line Access. See the full range of exclusive benefits at visaplatinum.com.au

     

    You can request an American Express card for your Altitude Platinum account and unlock higher points earn, per dollar spent. To request an American Express card or for more information call the Platinum service line on 1300 859 100 (24 hours a day, 7 days a week).

Two cards linked to one account

Platinum extras and your choice of two great rewards programs.

plus

 

You can request an American Express card for your Altitude Platinum account and unlock higher points earn, per dollar spent. To request an American Express card or for more information call the Platinum service line on 1300 859 100 (24 hours a day, 7 days a week).

Frequently Asked Questions

Why the change?
Will I pay more fees for the Altitude Platinum Visa card?
Will my card number and expiry date change?
When I activate my replacement card what happens to my existing credit card account balance and any balance transfer amounts?
What happens if I don’t want the Altitude Platinum Visa replacement card?
My current GM Holden card expires in August or later, will I get a new one?
I will be away in July, can I get the replacement card sent to me earlier?
What will the PIN be on the Altitude Platinum Visa replacement card?
Will my statements change?
Will I still access my transaction history and earlier statements through Westpac Live online banking?
Will the due date on my statement remain the same?
What about my existing automatic payments to merchants?
What about my auto pay arrangement to pay down my credit card balance?
What is Altitude Rewards?
Can I earn Altitude Qantas points?

GM Holden Card Essentials

  • $55 annual fee
  • 20.95% p.a. interest rate (variable) on purchases and 20.95% p.a. interest rate on cash advances
  • Up to 45 days interest free on purchases, as long as you pay your closing balance (including any promotional amount) in full, by the statement due date each month*
  • Optional paperless eStatements and credit card repayment protection insurance.

Fees

Annual fee $55
Foreign Transaction Fee

A Foreign Transaction Fee is payable as a percentage of the Australian dollar value of any Foreign Transaction. The percentage will vary depending on the applicable credit card scheme:

  1. Transactions in foreign currency
    • Visa and Mastercard®: 3.0%
  2. Transactions in Australian dollars and the merchant or financial institution accepting the card is located overseas:
    • Visa and 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 advance rate and 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, 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 fee A charge of $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 If your card account was opened before 4 June 2012 a fee of $15 may be debited from your 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 A fee of $7.50 may be debited from your credit card account if you, or an additional cardholder, orders 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.
eStatements Free
Non-Westpac Group ATM fee Although not a Westpac fee, using your card in a non-Westpac Group ATM may result in a charge to you. Avoid this fee by using one of Westpac’s extensive network of 2,900 ATMS across Australia (including any St.George, BankSA and Bank of Melbourne ATMs) . Find a Westpac Group ATM.
Credit card surcharge In some instances, businesses may administer a ‘surcharge’ for credit card payments. Usually, these are a percentage fee of your purchase amount. Ask the merchant if a surcharge applies and how much it is before paying if you’re unsure.
Other fees and charges Consumer Credit Cards - Conditions of Use (PDF 293KB)

*Fees are subject to change.

Things you should know

Altitude Rewards Terms and Conditions (PDF 164KB)

Westpac Rewards Cards Emergency Travel Assistance Terms and Conditions (PDF 116KB)

Westpac Rewards Credit Cards Concierge Service Terms and Conditions (PDF 917KB)

1. Complimentary insurance cover: QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 which allows eligible Westpac account holders and cardholders to claim under it as third party beneficiaries. The terms, conditions, limits and exclusions, of the group policy, are set out in the Westpac Credit Cards Complimentary Insurance Policy, which may be amended from time to time. Westpac does not guarantee the insurance.

2. Concierge service: Subject to the Westpac Rewards Concierge Service Terms and Conditions. The Westpac Credit Cards Complimentary Insurance Policy and the Westpac Rewards Concierge Service Terms and Conditions may be obtained by calling 1300 859 100 or downloading from Westpac Rewards Credit Cards Concierge Service Terms and Conditions (PDF 917KB)

* Interest on cash advances is calculated from the date the transaction is debited to your card account.

Special promotions (including bonus points and promotional balance transfer rates) don’t apply to customers who obtain a Westpac credit card by switching or upgrading from an existing Westpac card, or accessing Westpac employee benefits, or as part of a package (unless the package conditions state otherwise). 

World Mastercard®, Mastercard® and the Mastercard brand mark are registered trademarks, and PayPass is a trademark of Mastercard International Incorporated.

American Express® is a registered trademark of American Express. The Westpac American Express Card is issued by Westpac Banking Corporation pursuant to a license from American Express.

BPAY® is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518.

Earning and redeeming Altitude Points on Altitude credit cards is subject to the Altitude Rewards Terms and Conditions available at altituderewards.com.au.