Two cards linked to one account
Your choice of Altitude Rewards Points or Qantas Points.
Great rewards for a life of style.
- 0% p.a. on purchases for up to 6 months from card approval
- Plus, 0% p.a. for 12 months on balance transfers requested at card application. Calculate how much you could save
After the promotional period, the balance transfer and purchase rate switch to the applicable standard variable purchase rate. See ‘Rates’.
Special Offer for Existing Westpac Customers
- $0 annual card fee in the first year when you apply via the Westpac customers 'Apply now’ button.
All special offers are for new cards only and are valid until 28th June 2017. See ‘Things you should know’ below.
Choose between two great rewards programs:
- Altitude Rewards - Earn Altitude Points on eligible purchases you can redeem for a wide range of merchandise and frequent flyer points with a range of airlines
- Altitude Qantas - Earn Qantas Points on eligible purchases you can redeem for Reward Flights with Qantas, as well as merchandise and gift cards from the online Qantas Store
|Rewards||If you choose Altitude Rewards||If you choose Altitude Qantas|
|Points earned on eligible purchases - American Express Card||$1 = 2 Altitude Points||$1 = 1 Qantas Point|
|Points earned on eligible purchases - Visa Card||$1 = 1 Altitude Point||$1 = 0.5 Qantas Points|
|Points cap - for each statement cycle using your cards||
5,000 (bonus points don't count towards the cap)
2,500 (bonus points don't count towards the cap)
|Earning Bonus points||
|Redeeming your points||
Redeem your Altitude Points for:
Redeem your Qantas Points for:
Access to American Express Connect
American Express Connect opens the door to unforgettable experiences and exclusive offers for American Express Card Members.
- Access pre-sale tickets and reserved seating offers for a variety of events
- Relax before the show in exclusive card member lounges
- Receive special offers for dining experiences worldwide
- Enjoy special offers for a wide range of retailers
Earn points faster
Add an additional cardholder at no extra cost allowing you to earn points faster.
More reasons to choose a Westpac credit card
When you combine your Westpac rewards credit card with our online banking experience you can:
- Help pay down your credit card balance with SmartPlan
- See your rewards points and card balance at a glance with Quick Balance
- Login quickly and securely using fingerprint login
- Leave your card at home and tap and pay using an eligible Samsung device
- Make automatic credit card repayments easy, with Card Autopay
- Take the hassle out of cancelling a card you later find, by placing a temporary lock on it in seconds
(these may change)
|Annual card fee||$100
|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:
|Cash advances/withdrawals 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 in these circumstances.
Where your account has a positive (credit) balance after the transaction has been posted to it, a charge of $2.50 will apply to the transaction.
These charges will appear on your credit card statement directly below the relevant cash advance.
|Missed payment charge||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||$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.|
|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.|
Follow these tips to minimise credit card fees and charges.
|Purchases||20.24% p.a. (variable)|
|Cash advances||20.74 p.a. (variable)|
Special purchase rate promotion:
See 'Things you should know' below for terms and conditions.
|0% p.a. on purchases for up to 6 months from card approval.
Rate then switches to standard variable purchase rate.
Special balance transfer promotion:
See 'Things you should know' below for terms and conditions.
|0% p.a. for 12 months on balance transfers requested at card application.|
- 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 cards
- Purchases made by an additional cardholder earn rewards points for the account holder only.
Minimum card limit: $500
Recommended income to apply: $30,000
Things you should know
Credit criteria, fees and charges apply. Offers are not available in conjunction with any special offers that are not listed on www.westpac.com.au. Switches, upgrades, customers accessing employee benefits or existing packaged cards are ineligible.
Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.
Rewards Points: The earning and redemption of Altitude Points and Qantas Points is subject to the Altitude Rewards and Altitude Qantas Terms and Conditions. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances. For each statement cycle a points cap of 5,000 Altitude Points or 2,500 Qantas Points applies when using either or both cards. Bonus points do not count towards the points cap.
From 1 July 2017, you will no longer earn points on payments to the Australian Taxation Office using your Altitude American Express® card. Please see the Altitude Terms and Conditions for full details.
Altitude Rewards: You must be a member of the relevant frequent flyer program to redeem Altitude Points for frequent flyer points. The Altitude Rewards Terms and Conditions and the terms and conditions of the relevant frequent flyer program apply. A joining fee may apply. Availability of Reward flights may be limited. For more information on the Altitude Rewards program, visit altituderewards.com.au.
Altitude Qantas: In order to earn and redeem points, you must be a member of the Qantas Frequent Flyer program.
Qantas & Partner Classic Reward Seats are subject to capacity controls and availability is limited. The number of seats available depends on the flight, date, season and destination. Some flights may not have any Classic Reward seats available. For Classic Reward flights, taxes, fees and carrier charges are payable in addition to the points required, are subject to change and are quoted at the time of booking. Reward flights must be booked at least 24 hours before scheduled departure (and other advance booking requirements may apply).
Flight Upgrades are subject to capacity controls and availability is limited. Flight upgrades are not available on Classic Rewards or on international airfares booked in E, N, O, P, Q, and X class (which includes some Any Seat Rewards and some Red e-Deals). You must have an eligible paid and confirmed ticket on a Qantas operated service (with a QF flight number on your ticket).
Qantas & Jetstar Any Seat Rewards are available on any flight with a QF or JQ flight number. The points required will be quoted when booked. There is no fixed relationship between the cash price charges by the applicable airline for a seat and the points required to redeem an Any Seat Reward through Qantas Frequent Flyer. Special promotional fares may not apply. Reward flights must be booked at least 24 hours before scheduled departure (and other advanced booking requirements may apply). For more information see qantas.com/frequentflyer. The Jetstar Any Seat Rewards booking service is operated by Carlson Marketing Group (Aust) Pty Ltd trading as Carlson Leisure Travel Service Licence No. 2TA 5778, IATA 02-3-59523.
For more information on the Qantas Frequent Flyer program, visit qantas.com/frequentflyer.
^$0 annual card fee in first year for existing Westpac customers promotion: The first year annual card fee waiver is available to existing Westpac customers who apply for a new Low Rate or Altitude credit card by clicking on the Westpac customers 'Apply now’ button via westpac.com.au between 21st April 2017 and 28th June 2017. The first annual card fee will be debited on the 12 month anniversary of the first transaction on your account and annually thereafter.
Balance transfer promotion: The promotional balance transfer rate is available when you apply for a new Westpac credit card (excluding Altitude Platinum and Altitude Black) between 21st April 2017 and 28th June 2017 and request at application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. The rate will apply to balance(s) transferred (min $200 up to 95% of your approved available credit limit) for 12 months, unless the amount is paid off earlier. The variable purchase rate will apply to balance(s) transferred but left unpaid at the end of the promotional period. The variable purchase rate applies to balance transfers requested at any other time. Interest free days don’t apply to balance transfers.
Purchase rate promotion: The introductory rate of 0% p.a. on purchases for 6 months applies from card approval when you apply for a new Westpac credit card (excluding Altitude Platinum and Altitude Black) between 21st April 2017 and 28th June 2017. After 6 months, the introductory purchase rate will switch to the variable purchase rate then applicable to your card account.
Westpac is the credit provider and credit licensee under National Consumer Credit Laws.
Samsung is a trademark of Samsung Electronics Co. Ltd.
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.