WestpacAltitude Credit Card

Terms and Conditions

Important: If you are applying for a selected credit card at the same time or after your Premier Advantage Package is set up, or if you are switching or upgrading from an existing Westpac credit card, or if you are accessing employee benefits, you are not eligible for any special promotional offers (such as any promotional balance transfer rate) available at point of application. Please check the details at card application. Fees and charges are payable. Credit card applications are subject to Westpac's normal lending criteria. An additional credit card can be issued on the primary cardholders credit card account to any nominated person 16 years or over. All transactions using the additional credit card will be the responsibility of the primary cardholder. Information about a third partys products or services is provided for convenience only and does not represent an endorsement by Westpac of the products and services.
1.The earning and redemption of Altitude points (including available rewards and expiry of points) is subject to the Altitude Rewards Terms and Conditions. Points do not expire as long as you remain an Altitude cardholder unless the program is terminated. Altitude points are not earned on cash advances (see Consumer cards Conditions of Use for what we regard as cash advances.) This includes the purchase of gambling chips and travellers cheques and ATM cash withdrawals). You must earn a minimum of 3,000 points before you can redeem any rewards. You do not receive Altitude points if your card account is in arrears for 2 consecutive statement cycles. You are not entitled to points in other circumstances see Altitude Rewards Terms and Conditions (PDF 479kb) (Opens in new window).
2.If you obtain a credit card as part of a Westpac package, or switch from an existing Westpac card, you are not eligible for the promotion bonus points described. This promotion is not available in conjunction with any other promotion. The bonus Altitude points will be added to your account within three business days of when you first use your card for a purchase.
3.Altitude Travel gives you access to most major domestic and international airlines within and from Australia and their connecting partner airlines. As with booking through a travel agent, in certain circumstances seats may not be available on the airline or flight of your choice at the time you wish to travel. Terms and conditions apply. For further details call Altitude Travel on 1300 887820.
4.Altitude bonus points are earned on purchases made at participating Bonus Partner outlets. Only Australian Bonus Partner outlets apply unless stated otherwise.
5.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. Simply log into your Online Investing account, go to My Account, My Profile then Altitude, and follow the instructions in the Rewards section. Westpac Securities offer an online trading service specifically designed for self directed investors and direct traders. Westpac Securities can help make trading easy and affordable. Trades start from $24.95 per trade with no account-keeping or subscription fees, and no minimum number of trades per month. If you are not a Westpac Securities customer already, you can join at westpac.com.au. Share trading through Westpac Securities is provided by Australian Investment Exchange Ltd ("AUSIEX") ABN 71 076 515 930 AFSL 241400, a Participant of the ASX Group.
6.You must be a member of the relevant frequent flyer program to redeem Altitude points for frequent flyer points. Under the Altitude Rewards Terms and Conditions, you must have earned at least 3,000 Altitude points before you can redeem them for frequent flyer points. You must redeem a minimum of 3,000 points with additional increments in multiples of 500 points at a time for frequent flyer points. Award flights are subject to capacity controls and availability is limited. Some flights may not have any Award seats available. The terms and conditions of the relevant frequent flyer program apply.
7. Interest on cash advances is calculated from the date the transaction is debited to your card account .
8.This promotional rate is available to customers who are applying for a new Altitude card and request at application, to transfer the balance(s) from non-Westpac credit card(s), charge card(s) or store card(s). This promotion is only available at point of application. Subsequent balance transfers will be charged at the standard variable purchase interest rate currently 19.99% p.a. and will be treated as purchases with no interest free days applying to them. Payments made to your credit card account are first applied to any amounts transferred from other credit cards, charge cards or store cards under this promotion, before they are applied to any other purchase or cash advance amount. This means that the portion of your outstanding account balance that is subject to a lower interest rate will be paid off first. You will not gain the benefit of the interest free period on credit purchases until the full balance (including any balance transfer and any other promotional amount) is paid by the statement due date each month. After 6 months the balance transfer rate will switch back to your credit card standard variable rate for purchases then applicable to your product. Each balance transfer must be a minimum of $200.
9.Variable Points Plus Pay requires a minimum of 3,000 Altitude points and a minimum payment component of $5. The option is not available to redeem the Altitude annual fee, bank related products, GM Holden Rebate Vouchers or frequent flyer points. Terms and Conditions apply.
10.One additional set of cards can be issued to anyone you nominate, provided they are 16 years or over. All Altitude points remain the benefit of the primary cardholder.
11.Credit Card Repayment Protection 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 insurance product is distributed by Westpac Banking Corporation ABN 33 007 457 141 (the Bank). The policy 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 does not guarantee payments under the policy.
12.A cash advance fee applies. Foreign transaction fees may also apply.