Business credit card balance transfer

4.99% p.a. for 12 months on balance transfers on an application for a new card¹.

Why use a balance transfer?

Consolidating your finances on to an Altitude Business credit card could save you the cost (and hassle) of maintaining several cards.

By transferring balances from non-Westpac credit cards on to an Altitude Business credit card you can potentially:

 

  • Save on credit card interest
  • Avoid paying multiple card interest rates and annual fees
  • Manage your accounts more easily with just one statement and monthly payment
  • Take advantage of 4.99% p.a. interest for 12 months on balance transfers when requested at card application. Rate then switches to variable cash advance rate. New cards only. T&Cs apply1. 

 

And with a Westpac Altitude Business credit card, you’ll also enjoy a range of reward point options and purchase protections. 

 

Keep in mind that if you take advantage of a credit card balance transfer offer, you won’t gain the benefit of any interest free period on credit purchases until the balance (excluding any balance transfer amount) is paid in full by the statement due date each month.

Frequently asked questions

We process balance transfer amounts up to 80% of the limit available on the Westpac business credit card that the transfer is being made to.

Altitude Business Platinum Mastercard®

Altitude Business Platinum rewards credit cards
  • $0 annual Card Fee for the first year (usually $200).2
  • 4.99% p.a. for 12 months on balance transfers requested at card application. Rate then switches to variable cash advance rate. T&Cs apply.1

 

Apply now

Altitude Business Gold Mastercard®

Altitude Business Gold rewards credit cards
  • $0 annual Card Fee for the first year (usually $150).2
  • 4.99% p.a. for 12 months on balance transfers requested at new card application. Rate then switches to variable cash advance rate. T&Cs apply.1

 

Apply now
Things you should know

Altitude Business Rewards Terms and Conditions (PDF 120KB)

Altitude Business Credit Cards Conditions of Use (PDF 376KB)

Fees, charges and credit criteria apply. Read the terms and conditions available above before making a decision.

Find out what information you need to provide to become a Westpac customer.

  

Annual Card Fee: For Altitude Business Platinum Mastercard and Altitude Business Gold Mastercard credit cards, the annual Card Fee covers all cards associated with the product. For BusinessChoice Rewards Platinum Mastercard and BusinessChoice Everyday Mastercard credit cards, an annual Card Fee is payable for each card associated with the facility.

  

Earning and redeeming Altitude reward points: You can earn and redeem Altitude rewards points as set out in the Altitude Business Rewards Terms and Conditions (PDF 120KB). You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances. Altitude reward points do not expire while you remain an Altitude card holder. You must be a member of the relevant frequent flyer program to redeem Altitude points for frequent flyer points. The terms and conditions of the relevant frequent flyer programs also apply. A joining fee may apply for these frequent flyer programs. Availability of award flights may be limited.

You must have earned a minimum of 3,000 Altitude points before you can redeem any rewards. For Altitude Business Gold cards, a points cap of 20,000 points applies when using either or both cards. Bonus points do not count towards the points cap.

 
1. Balance transfer promotion: The promotional balance transfer rate is available when you apply and are approved for a new Westpac Altitude Business Platinum Mastercard or Gold Mastercard credit card and request at application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. The rate will apply to balance(s) transferred (min $200 up to 80% of your approved available credit limit) for 12 months from card activation, unless the amount is paid off earlier. The applicable variable cash advance rate will apply to balance(s) transferred but left unpaid at the end of the 12 month promotional period. If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the 'Monthly Payment Balance' listed on your statement of account (not the full closing balance) by the relevant payment due date. 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 other card account(s). The variable cash advance interest rate applies to balance transfers requested at any other time. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible for this offer. This offer may be withdrawn at any time.
2.  Discounted annual Card Fee in first year promotion. The first-year annual Card Fee waiver is available when you apply for a new Altitude Business Gold Mastercard or Altitude Business Platinum Mastercard credit card. The first annual Card Fee will be debited on the 12-month anniversary of the first transaction on your account and annually thereafter. This offer may be withdrawn at any time.

  

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