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Altitude Mastercard (no longer for sale)

Latest Information

Our Altitude Mastercard credit card is no longer available for sale. See our credit card comparison for a full range of available credit cards.

Essentials

Points earned per $1 spent on eligible purchases

  • 1 point - Altitude Mastercard®
  • For each statement cycle a points cap of 5,000 points apply. Bonus points do not count towards the points cap.

Variable interest rates

  • 20.49% p.a. on purchases
  • 21.49% p.a. on cash advances.

Interest free days and more

  • Up to 45 days interest free on purchases when you pay the closing balance (excluding any promotional balance transfer amount) in full by the due date shown on your statement
  • Minimum card limit $1,000.

Rewards

Earning reward points:

  • Earn 1 Altitude point per $1 spent on purchases on your Altitude Mastercard®
  • For each statement cycle a points cap of 5,000 points apply. Bonus points do not count towards the points cap.
  • A $50 Qantas Rewards fee applies for customers who choose to earn Qantas Points through the Altitude Qantas rewards program

Redeeming Altitude Points

You can redeem your Altitude Points (minimum 3,000) for a wide range of rewards, including:

  • Technology, including products from Apple, Sony and Bose
  • Homewares, including products by Dyson, Kitchenaid and Tefal
  • Gift cards and retail vouchers, including from Westfield, David Jones, Myer, Harvey Norman and Bunnings.

You can also use your Altitude Points to redeem frequent flyer points from 5 different frequent flyer programs:

  • Virgin Australia's Velocity
  • Malaysia Airline's Enrich
  • Air New Zealand Airpoints
  • Singapore Airlines KrisFlyer
  • Cathay Pacific AsiaMiles.

You must be a member of the relevant frequent flyer program to redeem Altitude Points for frequent flyer points. The Altitude Terms and Conditions and the terms and conditions of the relevant frequent flyer program apply. Availability of award flights may be limited.

Go to the Altitude Website via Westpac Online Banking or the Westpac App to:

  • View and redeem from the extensive range of rewards on offer.
  • Check your Altitude rewards account.

Earning and redeeming Altitude Points on all Altitude credit cards

The details on how and when you earn Altitude Points, are in the Altitude Terms and Conditions (PDF 98KB).

For each statement cycle a points cap of 5,000 points apply. Bonus points do not count towards the points cap.

What is a statement cycle?

The period from one statement date to the next statement date is called the monthly statement cycle. The statement date is the date your statement is issued.

Features

Additional cardholder

  • Add one additional cardholder (16 years or older) at no extra cost
  • The account holder (primary cardholder) is liable for all transactions on these cards and their own card
  • Purchases made by an additional card holder earn Altitude rewards points for the account holder only.

Contactless technology

For a fast and convenient payment option for purchases under $100 - simply hold your contactless card against the terminal wherever you see the contactless symbol or your card logo - no need to enter a PIN or sign (where available).

  • Now you can use your Samsung Galaxy S5, S4 or Note 3 (N9005) smartphone to tap and pay for everyday purchases.
  • Simply download the Westpac Mobile Banking app and choose which debit or credit cards you wish to use for mobile payments
  • To make a payment simply hold the back of your Samsung Galaxy S5, S4 or Note 3 (N9005) smartphone against the contactless terminal.

Card security

As well as an embedded microchip, take advantage of additional security measures helping defend against fraudulent activity:

All mobile payments are backed by our Fraud Money Back Guarantee. Plus, you can choose to enter your mobile banking password each time you make a purchase for added peace of mind or disable mobile payments in your phone’s NFC settings at any time.

Fraud Money Back Guarantee

Cardholders will be reimbursed for unauthorised transactions, provided the cardholder didn't contribute to the loss and notified Westpac promptly. Refer to the T&Cs for full details of when cardholders may be liable.

Credit card repayment protection

Important note: Credit Card Repayment Protection is no longer available for new sales. The following product information is for existing policyholders.

Credit card repayment protection is optional insurance that could help make your repayments if you unexpectedly lose your job, or can’t work because of illness or injury. It could also pay off your outstanding balance (up to $50,000) if you pass away.


If you are a policyholder, your monthly premium appears in your credit card transactions as “Credit Card Repayment Protection” and may be subject to credit card interest charges.

Policy limits and exclusions apply which mean you won’t be covered in some instances as set out in the Product Disclosure Statement (PDS) or policy wording, for example: voluntary redundancy or resignation, if your employment ceases at the end of a contract, or if you’re aged 66 years or over.

To find out more or make a claim; simply visit  westpac.com.au/ccrp or call us on  1300 369 989.

Credit Card Repayment Protection is issued by Allianz Australia General Insurance Limited ABN 99 003 719 319 (previously known as Westpac General Insurance Limited) (AAGIL) and Westpac Life Insurance Services Limited ABN 31 003 149 157 (issuer of the death cover). AAGIL is a corporate authorised representative of Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708. This information does not take into account your personal circumstances, so please consider the Product Disclosure Statement. To obtain a copy please call 1300 369 989

Fees

Fees (these may change) Amount
Annual card fee $100
Qantas Rewards fee $50 (Altitude Qantas only)
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

  • Mastercard®: 3.0%

2. Transactions in Australian dollars and the merchant or financial institution accepting the card is located overseas:

  • Mastercard®: 3.0%

Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia. More about this fee.

Cash advance fee An administrative charge of 3% of the value of the transaction will apply to each cash advance made on your card account. These charges will appear on your credit card statement directly below the relevant cash advance.
Missed payment fee $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 Fee 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.
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 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.

Rates

Transaction   
Interest rates
Purchases   
20.49% p.a. (variable)
Cash advances   
21.49% p.a. (variable)

Details

 

Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.

Contact us

Please feel free to contact us anytime on 1300 367 228.

Things you should know

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