Altitude

Choose between 2 great rewards programs - Altitude Rewards or Altitude Qantas and earn points on eligible purchases.

Two cards linked to one account. Your choice of Altitude Rewards Points or Qantas Points.
  •  

    Westpac customers

    $0 annual fee for the first year. New cards only. ^See conditions in the 'Things you should know' selction below.

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  • New customers

    Get started today.
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Essentials

Special promotions

  • 10,000 Altitude or Qantas bonus Points with a new Altitude card after you make your first purchase by 30 April 2015. Offer ends 19 April 2015.
  • 0% p.a. purchase rate for 6 months from card approval on new cards only. Apply between 6 January 2015 and 19 April 2015. Find out more at Rates.
  • 3.99% p.a. for 6 months on balance transfers requested at new card application. Variable cash advance rate applies after 6 months. Find out more at Rates.
  • $0 annual fee in the first year for existing Westpac customers who apply via westpac.com.au and click on the Westpac customers 'Apply now’ button. New cards only. Offer ends 30 June 2015. See 'Things you should know' section below for this promotion's terms and conditions.

Switches, upgrades, customers accessing employee benefits or packaged are ineligible for this these offers.  


Two cards linked to one account

An Altitude American Express® Card to earn points faster and an Altitude Visa for worldwide acceptance.

 

Points earned per $1 spent on eligible purchases

If you choose Altitude Rewards:

  • 2 Altitude Points - Altitude American Express® Card
  • 1 Altitude Point - Altitude Visa Card
  • For each statement cycle a points cap of 5,000 Altitude Points applies when using either or both cards. Bonus points do not count towards the points cap.

 

If you choose Altitude Qantas:

  • 1 Qantas Point - Altitude American Express® Card
  • 0.5 Qantas Points - Altitude Visa Card
  • For each statement cycle a points cap of 2,500 Qantas Points applies when using either or both cards. Bonus points do not count towards the points cap.

 

Standard variable interest rates

  • 20.24% p.a. on purchases
  • 21.24% p.a. on cash advances.

 

Interest free days and more

  • Up to 45 days interest free on purchases when you pay the closing balance (including any promotional balance transfer amount) in full by the due date shown on your statement
  • Minimum card limit $1,000
  • Pay for everyday purchases under $100 with the ease and convenience of contactless technology.
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    Give us a call

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Things you should know
  • More about the bonus points offer

    The bonus points depend on your choice of Rewards Program.  Eligible purchases do not include fees, cash, cash equivalent transactions, refunds or balance transfers debited from the card account. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible. In order to be eligible customers must have been charged the standard annual fee. This promotion only applies to one account in the customer’s name and is not available in conjunction with any other promotion other than the balance transfer promotion available at card application and promotional rate on purchases. The bonus points will be added to your points balance (Altitude Rewards or Qantas Frequent Flyer membership account) within three months after the first purchase transaction is debited to your account. The earning and redemption of Altitude Points and Qantas Points is subject to the Altitude Rewards Terms and Conditions and Amplify 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.  You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points in accordance with the terms and conditions of the Qantas Frequent Flyer program.

  • ^$0 annual fee in first year for existing Westpac customers promotion: To be eligible for this promotion you must be an existing Westpac customer that applies for a new Low Rate, Altitude, Altitude Platinum or Altitude Black card by clicking on the Westpac customers 'Apply now’ button via westpac.com.au or westpac.com.au/mobile between 1 April 2015 and 30 June 2015. Switches, upgrades, customers accessing employee benefits or packages cards are ineligible. Promotion is not available in conjunction with any other promotion other than the current balance transfer available at card application, promotional purchase rate offer or any bonus points offer. The first annual fee will be debited on the 12 month anniversary of the first transaction on your account and annually thereafter on the anniversary of the first annual fee.
  • 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. 

Rewards

RewardsIf 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
  • Earn up to 3 bonus Altitude Points per $1 spent on purchases at participating Bonus Partners. See altituderewards.com.au for details
  • Earn 1 bonus Altitude Point per $1 spent on brokerage when you trade through Westpac Online Investing 
  • Earn 1 bonus Qantas Point for every $1 you spend on selected Qantas products and services
  • Earn Qantas Points twice with Qantas Frequent Flyer Program partners. Earn Points once on your Altitude cards and again with the partner by presenting your Qantas Frequent Flyer membership card.
Redeeming your points

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, from stores including Westfield, David Jones, Harvey Norman and Bunnings Warehouse.

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.

Redeeming Qantas Points:
Redeem Qantas Points for flights or upgrades. Qantas and Jetstar Any Seat Awards are available on any flight with a QF or JQ flight number. The Points required will be quoted when you book. Special promotional fares may not apply.
Award flights must be booked at least 24 hours before scheduled departure (and other advance booking requirements may apply).
See qantas.com/frequentflyer for details.


More about Altitude Points 

The details on how and when you earn Altitude Points are in the Altitude Rewards and Altitude Qantas Terms and Conditions (PDF 193kb)

Effective from 9 November 2014 we will be introducing some changes to the way you earn Altitude Points on ATO payments. See Details

For each statement cycle a points cap of 5,000 points applies when using either or both cards. Bonus points do not count towards the points cap. See Details

Visit altituderewards.com.au or sign in to Altitude Rewards through Westpac Online Banking to:

  • View the latest altitude rewards magazine, new rewards and special offers
  • Find local bonus points partners to earn up to triple the usual points
  • Redeem Altitude Points for rewards
  • Check your Altitude Rewards account.

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. Availability of award flights may be limited.

To earn Altitude Points with Westpac Securities, you must register your card and agree to the terms and conditions on the Westpac Online Investing website. Log into your Online Investing account, go to My Account, My Profile then Altitude. Follow the instructions in the Rewards section. If you're not already a Westpac Securities customer, you can join at westpac.com.au. Share trading through Westpac Securities is provided by is provided by Australian Investment Exchange Ltd ("AUSIEX") ABN 71 076 515 930 AFSL 241400, a Participant of the ASX Group.


More about Qantas Points 

You must be a member of the Qantas Frequent Flyer program to earn and redeem Points. The details on how and when you earn Qantas Points are in the Altitude Rewards and Altitude Qantas Terms and Conditions (PDF 193kb)

Effective from 9 November 2014 we will be introducing some changes to the way you earn Qantas Points on ATO payments. See Details

For each statement cycle a points cap of 2,500 Qantas Points applies when using either or both cards. Bonus Points do not count towards the Points cap.

The Terms and Conditions of the Qantas Frequent Flyer program also apply. Complimentary Qantas Frequent Flyer memberships are available on new cards for the primary cardholder for a limited time, if you are not already a member. For more details on the Qantas Frequent Flyer program see Details. Qantas Points are not earned on balance transfers or cash advances.

The Jetstar Any Seat Awards booking service and the Qantas Frequent Flyer Store are operated by Carlson Marketing Group (Aust) Pty Ltd trading as Carlson Leisure Travel Service. Licence No. 2TA 5778, IATA 02-3 59523.


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.

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    Give us a call

    1300 130 961 

    8am-8pm, 7 days a week

Things you should know
  • More about the bonus points offer

    The bonus points depend on your choice of Rewards Program.  Eligible purchases do not include fees, cash, cash equivalent transactions, refunds or balance transfers debited from the card account. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible. In order to be eligible customers must have been charged the standard annual fee. This promotion only applies to one account in the customer’s name and is not available in conjunction with any other promotion other than the balance transfer promotion available at card application and promotional rate on purchases. The bonus points will be added to your points balance (Altitude Rewards or Qantas Frequent Flyer membership account) within three months after the first purchase transaction is debited to your account. The earning and redemption of Altitude Points and Qantas Points is subject to the Altitude Rewards Terms and Conditions and Amplify 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.  You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points in accordance with the terms and conditions of the Qantas Frequent Flyer program.

  • ^$0 annual fee in first year for existing Westpac customers promotion: To be eligible for this promotion you must be an existing Westpac customer that applies for a new Low Rate, Altitude, Altitude Platinum or Altitude Black card by clicking on the Westpac customers 'Apply now’ button via westpac.com.au or westpac.com.au/mobile between 1 April 2015 and 30 June 2015. Switches, upgrades, customers accessing employee benefits or packages cards are ineligible. Promotion is not available in conjunction with any other promotion other than the current balance transfer available at card application, promotional purchase rate offer or any bonus points offer. The first annual fee will be debited on the 12 month anniversary of the first transaction on your account and annually thereafter on the anniversary of the first annual fee.
  • 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. 

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:

  • Cardshield™ helps defend against fraudulent activity
  • Increased credit card security where your card comes with an embedded microchip
  • Extra security when you shop at participating online retailers by registering with Verified by Visa through the Westpac Added Online Security service
  • Falcon® Fraud Protection, 24/7.

Fraud Money Back Guarantee

Westpac Fraud Money Back Guarantee ensures that any unauthorised transaction claims will be reimbursed provided that the cardholder has not contributed to the loss and contacted us promptly. Refer to the Consumer Credit Cards Conditions of Use for full details of when cardholders may be liable. Further information on resolving credit card transactional issues please see what to do if there is a fraudulent transaction on your card.

Credit card repayment protection

Optional credit card repayment protection insurance helps cover your card repayment obligations if you lose your job, or are unfit for work due to sickness, injury, or disease.

Things you should know

For more information including Consumer Credit Cards Conditions of Use see Details.

More on Credit Card Repayment Protection

This insurance is issued by Westpac General Insurance Limited ABN 99 003 719 319 (WGIL) and Westpac Life Insurance Services Limited ABN 31 003 149 157 (WLIS) each of which is liable for separate risks under the terms of the policy in Details. This product is distributed by Westpac Banking Corporation ABN 33 007 457 141 (the Bank) and is not an investment in or deposit with the Bank. No Westpac Group company (other than the Bank as policy distributor and WGIL and WLIS as the product issuers) has any liability in connection with the policy or this document. The Bank doesn’t guarantee payments under the policy.

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    Compare all cards

    Find the best credit card for your needs

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  •  

    Give us a call

    1300 130 961 

    8am-8pm, 7 days a week

Things you should know
  • More about the bonus points offer

    The bonus points depend on your choice of Rewards Program.  Eligible purchases do not include fees, cash, cash equivalent transactions, refunds or balance transfers debited from the card account. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible. In order to be eligible customers must have been charged the standard annual fee. This promotion only applies to one account in the customer’s name and is not available in conjunction with any other promotion other than the balance transfer promotion available at card application and promotional rate on purchases. The bonus points will be added to your points balance (Altitude Rewards or Qantas Frequent Flyer membership account) within three months after the first purchase transaction is debited to your account. The earning and redemption of Altitude Points and Qantas Points is subject to the Altitude Rewards Terms and Conditions and Amplify 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.  You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points in accordance with the terms and conditions of the Qantas Frequent Flyer program.

  • ^$0 annual fee in first year for existing Westpac customers promotion: To be eligible for this promotion you must be an existing Westpac customer that applies for a new Low Rate, Altitude, Altitude Platinum or Altitude Black card by clicking on the Westpac customers 'Apply now’ button via westpac.com.au or westpac.com.au/mobile between 1 April 2015 and 30 June 2015. Switches, upgrades, customers accessing employee benefits or packages cards are ineligible. Promotion is not available in conjunction with any other promotion other than the current balance transfer available at card application, promotional purchase rate offer or any bonus points offer. The first annual fee will be debited on the 12 month anniversary of the first transaction on your account and annually thereafter on the anniversary of the first annual fee.
  • 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. 

Fees

Fees (these may change) Amount
Annual fee

$100

  • Special promotion of the $0 annual fee in the first year is for existing Westpac customers who apply via westpac.com.au and click on the Westpac customers 'Apply now’ button. New cards only. Offer ends 30 June 2015. See 'Things you should know' section below for this promotion's terms and conditions.
Westpac foreign transaction fee

The Westpac 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:

 

  • Visa: 3.0%
  • American Express®: 3.5%*

*Customers will not incur foreign transaction fee when the transaction is made in Australian dollar and the merchant or financial institution accepting the card is located overseas

Cash advances/ 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, only 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

$9 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 $9 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, order 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.

For more fee information see the  Consumer Credit Cards Conditions of Use (PDF 229kb).

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    Give us a call

    1300 130 961 

    8am-8pm, 7 days a week

Things you should know
  • More about the bonus points offer

    The bonus points depend on your choice of Rewards Program.  Eligible purchases do not include fees, cash, cash equivalent transactions, refunds or balance transfers debited from the card account. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible. In order to be eligible customers must have been charged the standard annual fee. This promotion only applies to one account in the customer’s name and is not available in conjunction with any other promotion other than the balance transfer promotion available at card application and promotional rate on purchases. The bonus points will be added to your points balance (Altitude Rewards or Qantas Frequent Flyer membership account) within three months after the first purchase transaction is debited to your account. The earning and redemption of Altitude Points and Qantas Points is subject to the Altitude Rewards Terms and Conditions and Amplify 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.  You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points in accordance with the terms and conditions of the Qantas Frequent Flyer program.

  • ^$0 annual fee in first year for existing Westpac customers promotion: To be eligible for this promotion you must be an existing Westpac customer that applies for a new Low Rate, Altitude, Altitude Platinum or Altitude Black card by clicking on the Westpac customers 'Apply now’ button via westpac.com.au or westpac.com.au/mobile between 1 April 2015 and 30 June 2015. Switches, upgrades, customers accessing employee benefits or packages cards are ineligible. Promotion is not available in conjunction with any other promotion other than the current balance transfer available at card application, promotional purchase rate offer or any bonus points offer. The first annual fee will be debited on the 12 month anniversary of the first transaction on your account and annually thereafter on the anniversary of the first annual fee.
  • 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. 

Rates

TransactionInterest rates
Purchases20.24% p.a. (variable)
Special purchase rate promotion:
See terms and conditions below.
0% p.a. for 6 months from card approval
Cash advances21.24% p.a. (variable)
Special balance transfer promotion:
See terms and conditions below.
3.99% p.a. for 6 months
Variable cash advance rate applies after 6 months.

Special purchase rate promotion terms and conditions

  • New cards only. Apply between 6 January 2015 and 19 April 2015.
  • Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible for this offer
  • Introductory rate on purchases is not available in conjunction with any promotion other than the special balance transfer promotion available at card application
  • After 6 months, the introductory purchase rate will switch to the variable purchase rate then applicable to your card account.

Special balance transfer promotion terms and conditions

  • The promotional balance transfer rate is available when you apply for a new card between 6 January 2015 and 19 April 2015 and request at application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards.
  • The variable cash advance rate will apply to balance(s) transferred but left unpaid at the end of the promotional period and to balance transfers requested at any time after card application.
  • Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible
  • The balance transfer rate is not available in conjunction with any other promotion unless specified
  • Balance transfer rate will apply to any balance(s) transferred (min $200 up to 95% of your approved available credit limit) for the promotional period, unless the amount is paid off earlier
  • Card activation will trigger the processing of the balance(s) transferred
  • Interest free days don’t apply to balance transfers
  • Westpac will not be responsible for any delays that may occur in processing payment to your other card account(s) and will not close the account(s).
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    Give us a call

    1300 130 961 

    8am-8pm, 7 days a week

Things you should know
  • More about the bonus points offer

    The bonus points depend on your choice of Rewards Program.  Eligible purchases do not include fees, cash, cash equivalent transactions, refunds or balance transfers debited from the card account. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible. In order to be eligible customers must have been charged the standard annual fee. This promotion only applies to one account in the customer’s name and is not available in conjunction with any other promotion other than the balance transfer promotion available at card application and promotional rate on purchases. The bonus points will be added to your points balance (Altitude Rewards or Qantas Frequent Flyer membership account) within three months after the first purchase transaction is debited to your account. The earning and redemption of Altitude Points and Qantas Points is subject to the Altitude Rewards Terms and Conditions and Amplify 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.  You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points in accordance with the terms and conditions of the Qantas Frequent Flyer program.

  • ^$0 annual fee in first year for existing Westpac customers promotion: To be eligible for this promotion you must be an existing Westpac customer that applies for a new Low Rate, Altitude, Altitude Platinum or Altitude Black card by clicking on the Westpac customers 'Apply now’ button via westpac.com.au or westpac.com.au/mobile between 1 April 2015 and 30 June 2015. Switches, upgrades, customers accessing employee benefits or packages cards are ineligible. Promotion is not available in conjunction with any other promotion other than the current balance transfer available at card application, promotional purchase rate offer or any bonus points offer. The first annual fee will be debited on the 12 month anniversary of the first transaction on your account and annually thereafter on the anniversary of the first annual fee.
  • 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. 

Details

Consumer Credit Cards - Conditions of Use (PDF 649kb)

Altitude Rewards and Altitude Qantas Terms and Conditions (PDF 193kb)

Credit Card Repayment Protection Product Disclosure Statement (PDF 222kb)

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


Credit card repayment protection

Optional credit card repayment protection insurance helps cover your card repayment obligations if you lose your job, or are unfit for work due to sickness, injury, or disease.

This insurance is issued by Westpac General Insurance Limited ABN 99 003 719 319 (WGIL) and Westpac Life Insurance Services Limited ABN 31 003 149 157 (WLIS) each of which is liable for separate risks under the terms of the policy. This product is distributed by Westpac Banking Corporation ABN 33 007 457 141 (the Bank) and is not an investment in or deposit with the Bank. No Westpac Group company (other than the Bank as policy distributor and WGIL and WLIS as the product issuers) has any liability in connection with the policy or this document. The Bank doesn’t guarantee payments under the policy.


More details on your reward program

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    Compare all cards

    Find the best credit card for your needs

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  •  

    Give us a call

    1300 130 961 

    8am-8pm, 7 days a week

Things you should know
  • More about the bonus points offer

    The bonus points depend on your choice of Rewards Program.  Eligible purchases do not include fees, cash, cash equivalent transactions, refunds or balance transfers debited from the card account. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible. In order to be eligible customers must have been charged the standard annual fee. This promotion only applies to one account in the customer’s name and is not available in conjunction with any other promotion other than the balance transfer promotion available at card application and promotional rate on purchases. The bonus points will be added to your points balance (Altitude Rewards or Qantas Frequent Flyer membership account) within three months after the first purchase transaction is debited to your account. The earning and redemption of Altitude Points and Qantas Points is subject to the Altitude Rewards Terms and Conditions and Amplify 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.  You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points in accordance with the terms and conditions of the Qantas Frequent Flyer program.

  • ^$0 annual fee in first year for existing Westpac customers promotion: To be eligible for this promotion you must be an existing Westpac customer that applies for a new Low Rate, Altitude, Altitude Platinum or Altitude Black card by clicking on the Westpac customers 'Apply now’ button via westpac.com.au or westpac.com.au/mobile between 1 April 2015 and 30 June 2015. Switches, upgrades, customers accessing employee benefits or packages cards are ineligible. Promotion is not available in conjunction with any other promotion other than the current balance transfer available at card application, promotional purchase rate offer or any bonus points offer. The first annual fee will be debited on the 12 month anniversary of the first transaction on your account and annually thereafter on the anniversary of the first annual fee.
  • 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.