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Altitude Business Gold Credit Card

The Westpac Altitude Business Gold credit card combines high earn rates for Altitude points with a plethora of Business and lifestyle services.

Introductory Offer: Pay no annual fee (saving $150) for the first 12 months PLUS 0% p.a on Purchases for the 1st 12 months

Offer conditions: Apply by 30th April 2017 

The Westpac Altitude Business Gold Credit Card is a linked American Express (for maximum point earning opportunities) and Visa, (for worldwide acceptance), account. So you will hold 2 cards, referred to as “companion cards”, but they’ll be managed on a single account with one monthly statement, one annual fee and a single credit limit covering both cards.

Points earned per $1 spent on eligible transactions

  • Earn 2 Altitude Points with Altitude Business Gold American Express Card
  • Earn 1 Altitude Point using Altitude Business Gold Visa
  • Earn a maximum of 20,000 Altitude points on total purchases posted to your account in each statement cycle. Bonus points do not count towards the points cap
  • Earn up to 3 bonus Altitude points per $1 spent on purchases at participating Bonus Partners

The Altitude Reward program is both flexible and rich with choices, points can be redeemed for a ever increasing range of goods and services and points can also be transferred to a selection of six Airline partner programs which include Qantas Frequent Flyer Program, Virgin Velocity Frequent Flyer, Singapore Airlines KrisFlyer, Cathay Pacific Airmiles, Malaysia Airlines Enrich Program and Air New Zealand Airpoints.

Sitting alongside this first class offer on Altitude Rewards are the extensive range of premium travel and business services which the Altitude Business Gold credit card offers, these include:

  • Easy tax reporting - Export your transactions into MYOB, Xero and BAS with ease
  • Up to 45 days interest free on purchases when full closing balance is paid by the statement due date
  • Low Income eligibility requirement - at $30,000 p.a.
  • Complimentary Overseas Travel insurance on trips up to three months long.
  • Complimentary Purchase Security insurance for three months.
  • Complimentary Extended Warranty insurance for up to one year.
  • Card Security - covered by Cardshield and Fraud Protection by Falcon.
  • Visa payWave - provides the convenience of tap and go quick payments on transactions up to $100.
  • Additional Card Holder - Add an additional card holder for $0
Credit Card Details
Provider Westpac
Prestige Level Gold
Credit Card Type Visa and American Express
Instant Approval Yes in 60 seconds
Standard Rates
Purchase Rate 20.24% p.a.
Cash Advance Rate 20.74% p.a.
Interest Charged From -
Interest Free Period Up to 45 days
Balance Transfer
Balance Transfer Rate 4.99%
Balance Transfer Period 12 months
Balance Transfer Fee -
Balance Transfer Processing Time -
Max. Balance Transfer -
Revert rate -
Intro Offer $0 annual fee for the first 12 months, a saving of $150 PLUS 0% p.a. on purchases for the 1st 12 months
Offer end date 30th April 2017
Rewards Program Altitude Rewards Program
Rewards Points Earn 2 Altitude points per $1 spent on purchases on your Altitude Business Gold American Express Card, Earn 1 Altitude point per $1 spent on purchases on your Altitude Business Gold Visa , Earn up to 3 Altitude points per $1 spent at participating Bonus Partner stores For each statement cycle, a cap of 20,000 points applies when using either or both cards. Bonus points do not count towards the points cap
Acceptance Criteria
Age to Apply 18
Min. Income $30,000
Residency Australia
Temporary residents No
Min. Credit Limit $1,000
Joint applicants No
Fees & Terms
Min. Monthly Repayment $10
Annual Fee $150
Over Limit Fee $15
Duplicate Statement fee $7.50
Late Payment Fee $15
Min. Monthly Repayment % 2%
Max. Credit Limit $50,000
Cash advance fee 2% of the value of the transaction or a minimum charge of $2.50
Additional card holder fee $0
Travel & Insurance
Foreign currency conversion fee 3% of transaction value
Overseas atm withdrawal fee $5
Complimentary travel insurance Overseas Travel insurance (includes your spouse and certain dependent children) for up to 3 months - when overseas return tickets are purchases on your credit card before you leave Transit Accident insurance - protection against specified accidental death or injury when sustained while riding as a passenger in a plane, bus, train or ferry.

What happens when I click "Go to site"?

  • 1

    Clicking Go to site will direct you to the providers web site

  • 2

    Complete the online application on the providers web site

  • 3

    Once approved the provider will issue your new product, delivery times will vary by provider.