Westpac Altitude Gold Credit Card – Details & Application
Apply for the Westpac Altitude Gold credit card and get real value for your money.
This card is unique because it is not one, but two credit cards on the same account. These cards are combined into one easy statement and one credit limit, but more importantly they earn points as one. This gives you more opportunities to earn points. For credit card users who want a bit more back from their card it is the perfect choice.
Interest Rates, Fees & Charges
| Balance Transfer Rate |  |
3.99% p.a. for 6 months |
|---|---|---|
| Interest Rate on Purchases | |
19.99% p.a. |
| Annual Fee | |
$150 |
| Interest Free Period | |
up to 45 days |
| Cash Advance Rate | |
21.59% p.a. |
| Card Type | |
Gold |
| Credit Card Type | |
American Express/MasterCard |
| Rewards Program | |
Yes |
Westpac Altitude Gold Points
- Earn two Altitude points for every dollar spent on the Altitude Gold American Express Card.
- Earn one Altitude point for every two dollars spent on the Altitude Gold Visa or MasterCard.
- No expiry on points.
- No cap on the number of points you may earn.
- Bonus of 10,000 Altitude points when you make your first purchase on either card.
- One bonus point for each dollar spent with participating bonus partners here in Australia.
- One bonus point for each dollar spent on trades with Westpac Investing.
Of course, no one chooses a card because of the reward scheme alone, which is why the Westpac Altitude Gold card gives you excellent rates and benefits too. Although this gold card comes with a steep $150 annual fee it offers back benefits that make that cost easily affordable. Another benefit that makes this card affordable is the balance transfer rate. A balance transfer lets you move your existing non-Westpac credit card debt to your new card so you can lower your interest rates. Currently the rate is only 3.99% p.a. for 6 months per annum. This extended introductory period gives you more time to pay off your debt and frees you from the high interest rates of your old credit cards.
Westpac Altitude Gold credit card
- Free Overseas Travel insurance on trips up to three months long.
- Free Purchase Security insurance for three months.
- Free Extended Warranty insurance for up to one year.
- Purchase interest rate of 19.99% p.a. per annum.
- Cash advance interest rate of 21.59% p.a. per annum
- Balance transfer rate of only 3.99% p.a. for 6 months.
- Up to 45 interest free days on purchases.
If you want to earn more points and have a prestigious card in your wallet the Westpac Altitude Gold card is the one for you. This card simply gives you more for your money. More ways to earn, more perks, and more points. All of that adds up to more spending power for you. Don’t waste another minute on a card that limits the way you earn points, get a Westpac Altitude card and start earning with two cards and one easy statement.
Read the official terms and conditions
| Minimum Income | Minimum Age | 18 years of age | |
| Residency | Permanent Australian Resident | Credit Rating Requirement | Good |
| Min Credit Limit | $5,000 | Max Credit Limit | $50,000 |
| Annual Fee | $150 | Balance Transfer Fee | |
| Minimum Repayment | 2% | Interest Charged From | Purchase Date |
| Late Payment Fee | $9 | Over Limit Fee | $9 |
| Overseas Emergency Replacement | $0 | Overseas ATM Balance check | $0 |
| Overseas ATM Withdrawal | $2.5 | Foreign Currency Conversion Fee |
| Rewards Points per Dollar | AMEX:2 MCARD:1 VISA:1 Point(s) | Points needed for Syd/Mel Return Flight | 16000 |
| Points needed for $100 Voucher | 8475 |
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