Altitude Business Gold Mastercard

General Lending Rates

Product Variations

Product Features

• Additional Cards

• Balance Transfers Additional Information: 4.99% p.a. for 12 months on balance transfers requested at card application. Rate then switches to variable cash advance rate. Please see terms and condition in the overview link.

• Interest Free Additional Information: Up to 55 interest free days on purchases when you pay off your closing balance in full by the due date shown on your statement each month.

• Digital Wallet Additional Information: Tap and pay quickly and easily using Garmin Pay.

• Digital Wallet Additional Information: Tap and pay quickly and easily using Apple Pay.

• Digital Wallet Additional Information: Tap and pay quickly and easily using Google Pay.

• Digital Wallet Additional Information: Tap and pay quickly and easily using Samsung Pay.

• Other Additional Information: Click to Pay - Online shopping made quick, simple and secure with Click to Pay.

• Digital Banking Additional Information: Digital Card - Unlock extra protection using the dynamic CVC on your digital Westpac debit or credit card. Add it to your digital wallet or use it

• Notifications

• Loyalty Program Additional Information: With Altitude Business Gold Mastercard credit cards, use your Altitude Points per $1 spent on eligible transactions you can redeem a great range of rewards, for you or your business. Altitude Points earned per $1 spent on eligible business purchases: Mastercard: 1, Government payments: 0.5, For each statement cycle, a cap of 20,000 points applies. Bonus points do not count towards the points cap.

• Insurance Additional Information: Travel knowing that you, your family, your business and your possessions may be covered against injury, loss, theft or damage in accordance with the policy (conditions, limits and exclusions apply).

• Insurance Additional Information: International Travel insurance (includes your spouse and certain dependent children) for up to 3 months when you meet the eligibility criteria as set out in the Credit Card Complimentary Insurance Policy.

• Other Additional Information: Make shopping and ordering online even more safe and secure with Westpac My Merchants. Westpac My Merchants lets you shop and order online without needing to share your card details, because your card number is replaced with a unique identification code called a 'digital token'. This digital token, which won't contain your personal information and is used by the merchant instead of your card number, helping protect you online.

• Insurance Additional Information: Protection against specified accidental death or injury when sustained while riding as a passenger in a plane, bus, train or ferry when you have purchased the tickets for the entire trip using your Credit Card before you leave (terms, conditions, exclusions and eligibility criteria apply).

• Insurance Additional Information: Access to up to 4 months Purchase Protection Insurance on eligible purchases, as set out in the Credit Card Complimentary Insurance Policy (terms, conditions, exclusions and eligibility criteria apply).

• Insurance Additional Information: Up to 24 months extended warranty insurance cover (in addition to the manufacturer's expressed Australian warranty) on a range of personal items purchased using your Credit Card and up to 3 months on Business items (terms, conditions, exclusions and eligibility criteria apply).

• Insurance Additional Information: Account holder's Unauthorised Transaction insurance - receive automatic protection (up to $20,000 per cardholder and $150,000 per account holder) against unauthorised transactions made by cardholders in a 12 month period (if you are the principal and the account holder of the card)

• Other Additional Information: 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 Altitude Business Credit Cards Conditions of Use for full details of when cardholders may be liable.

• Extra Repayments Additional Information: The product has EXTRA_REPAYMENTS option available.

• Fraud Protection Additional Information: The product includes FRAUD_PROTECTION features.

• Relationship Management Additional Information: RELATIONSHIP_MANAGEMENT is available for eligible customers.

• Other Additional Information: A statement for the Card Account will be issued each month to the Primary Cardholder

• Other Additional Information: Card Autopay Facility : You may authorise us to automatically withdraw funds from your nominated account to make payments to the Card Account using a Card Autopay facility. You may elect to pay: The minimum payment shown on the Card Account Statement, or the full amount shown as the ?closing balance? on the Card Account Statement, or, A fixed dollar or percentage of the closing balance on the Card Account Statement

• Other Additional Information: The minimum payment that we require from you (being the Primary Cardholder) each month will be shown on the Card Account statement. Your payment due date is 25 days from your statement date. Please refer T&C document for more details about the minimum payment required.

• Other Additional Information: If you have obtained your Card Account by switching from a Westpac consumer credit card to which Credit Card Repayment Protection applied, your Credit Card Repayment Protection policy will continue to apply (unless cancelled by you) to your new card account subject to condition. Please refer T&C document for more details.

• Other Additional Information: Gambling Preference Request : For a Card Account, a Primary Cardholder can request us to decline transaction authorisation requests that we receive and that we are able to recognise as an authorisation request for a gambling transaction. A Primary Cardholder can make such a request (a ?Gambling Preference Request?) by calling us or by another means offered by us from time to time.

• Other Additional Information: Points Plus Pay option ? if you have insufficient points to enable you to redeem a particular reward, in the case of certain rewards, you may pay an additional amount for the portion of the reward not covered by your points earning to redeem that reward. This is known as the points plus pay option.

• Other Additional Information: Easy tax reporting : Make tax reporting easy by exporting your transactions into MYOB and BAS with ease. You can also download your transactions into excel to make analysis of your business transactions easy (check the terms and conditions before deciding).

• Other Additional Information: Pay faster with Mastercard tap & go technology : For a fast and convenient payment option for purchases under $100 - simply hold your Mastercard tap & go against the terminal wherever you see the contactless symbol or your card logo - no need to enter a PIN or sign (where available).

Product Eligibility

• Min Age - 18.

• Residency Status - Primary Applicant Must Be A Permanent Resident Or Australian Citizen.

• Business Additional Information: For business or investment purposes.

• Min Turnover - 30000.00. Additional Information: Earn a minimum $30,000 per annum

Bank Fees and Charges

• Card Fee (Periodic), Amount: 150.00. Additional Information: Per account.

• Foreign Transaction Fee (Transaction), Amount: Not Listed.. Additional Information: Payable as a percentage of the Australian dollar value of any foreign transaction. Applies for transactions in a foreign currency, or in Australian dollars but processed by an overseas merchant or financial institution. Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia.

• Cash Advance Fee (Transaction), Amount: Not Listed..

• Missed Payment Fee (Event), Amount: 0.00. Additional Information: $15.00 once per statement period if your credit card account was opened before 21 November 2021. No Missed Payment fee will be charged for business credit card accounts opened on or after 22 November 2021. 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.

• Account Keeping Fee (Periodic), Amount: 0.00.

• Overseas Atm Cash Withdrawals (partner) (Transaction), Amount: 0.00.

• Overlimit Fee (Event), Amount: 0.00. Additional Information: $15.00 once per statement period if your credit card account was opened before 21 November 2021. No Overlimit fee will be charged for business credit card accounts opened on or after 22 November 2021. 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.

• Data Feed Fee (Periodic), Amount: 5.00. Additional Information: Customers opting in for Data feeds will be charged a monthly fee of $5.00 per Card (up to a maximum of $50 per facility per month) applies when the facility is enrolled in Business Credit Card Data Feeds. The fee will be charged at the end of each statement cycle. Please refer to T&C for more information.

 Limitations & Restrictions (Constraints)

• Min Limit of 1000.00

• Max Limit of 80000.00

Document Downloads

  altitude-business-conditions-use.pdf (498.6 KB)
  altitude-business-rewards-t-c.pdf (120.7 KB)
  businesscards-complimentaryinsurancepolicy.pdf (1.1 MB)