Altitude Mastercard (no longer for sale)
Latest Information
Our Altitude Mastercard credit card is no longer available for sale. See our credit card comparison for a full range of available credit cards.
Essentials
Points earned per $1 spent on eligible purchases
- 1 point - Altitude Mastercard®
- For each statement cycle a points cap of 5,000 points apply. Bonus points do not count towards the points cap.
Variable interest rates
- 20.99% p.a. on purchases
- 21.99% p.a. on cash advances.
Interest free days and more
- Up to 45 days interest free on purchases when you pay the closing balance (excluding any promotional balance transfer amount) in full by the due date shown on your statement
- Minimum card limit $1,000.
Rewards
Earning reward points:
- Earn 1 Altitude point per $1 spent on purchases on your Altitude Mastercard®
- For each statement cycle a points cap of 5,000 points apply. Bonus points do not count towards the points cap.
- A $50 Qantas Rewards fee applies for customers who choose to earn Qantas Points through the Altitude Qantas rewards program
Redeeming Altitude Points
You can redeem your Altitude Points (minimum 3,000) for a wide range of rewards, including:
- Technology, including products from Apple, Sony and Bose
- Homewares, including products by Dyson, Kitchenaid and Tefal
- Gift cards and retail vouchers, including from Westfield, David Jones, Myer, Harvey Norman and Bunnings.
You can also use your Altitude Points to redeem frequent flyer points from 4 different frequent flyer programs:
- Virgin Australia's Velocity
- Air New Zealand Airpoints
- Singapore Airlines KrisFlyer
- Cathay Pacific AsiaMiles.
You must be a member of the relevant frequent flyer program to redeem Altitude Points for frequent flyer points. The Altitude Terms and Conditions and the terms and conditions of the relevant frequent flyer program apply. Availability of award flights may be limited.
Go to the Altitude Website via Westpac Online Banking or the Westpac App to:
- View and redeem from the extensive range of rewards on offer.
- Check your Altitude rewards account.
Earning and redeeming Altitude Points on all Altitude credit cards
For each statement cycle a points cap of 5,000 points apply. Bonus points do not count towards the points cap.
What is a statement cycle?
The period from one statement date to the next statement date is called the monthly statement cycle. The statement date is the date your statement is issued.
Credit Card Repayment Protection
Important note: Credit Card Repayment Protection is no longer available for new sales. The following product information is for existing policyholders.
Credit card repayment protection is optional insurance that could help make your repayments if you unexpectedly lose your job, or can’t work because of illness or injury. It could also pay off your outstanding balance (up to $50,000) if you pass away.
If you are a policyholder, your monthly premium appears in your credit card transactions as “Credit Card Repayment Protection” and may be subject to credit card interest charges.
Policy limits and exclusions apply which mean you won’t be covered in some instances as set out in the Product Disclosure Statement (PDS) or policy wording, for example: voluntary redundancy or resignation, if your employment ceases at the end of a contract, or if you’re aged 66 years or over.
To find out more or make a claim; simply visit westpac.com.au/ccrp or call us on 1300 369 989.
Important note: Credit Card Repayment Protection is no longer available for new sales. The following product information is for existing policyholders.
Credit Card Repayment Protection, Flexi Loan Repayment Protection and Personal Loan Protection are issued by Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (AAIL) (issuer of the unfit for work and job loss covers) and TAL Life Insurance Services Limited ABN 31 003 149 157 AFSL 233728 (TLISL) (issuer of the death cover).
TLISL is part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL).
Westpac is a trade mark of Westpac Banking Corporation ABN 33 007 457 141 and is used by AAIL and TLISL under licence.
This information does not take into account your personal circumstances, so please consider the Product Disclosure Statement or policy wording. To obtain a copy please call 1300 369 989.
Fees
| Fees (these may change) | Amount |
|---|---|
| Annual card fee | $100 |
| Qantas Rewards fee | $50 (Altitude Qantas only) |
| Foreign Transaction Fee | A Foreign Transaction Fee is payable as a percentage of the Australian dollar value of any Foreign Transaction. The percentage will vary depending on the applicable credit card scheme: 1. Transactions in foreign currency
2. Transactions in Australian dollars and the merchant or financial institution accepting the card is located overseas:
Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia. More about this fee. |
| Cash advance fee | An administrative charge of 3% of the value of the transaction will apply to each cash advance made on your card account. These charges will appear on your credit card statement directly below the relevant cash advance. |
| Missed payment fee | $15 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 Fee will be debited to your account. |
| Overlimit fee | If your card account was opened before 4 June 2012, a fee of $15 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. |
| Non-Westpac Group ATM fee | Although not a Westpac fee, using your card in a non-Westpac Group ATM may result in a charge to you. Avoid this fee by using one of Westpac’s extensive network of ATMS across Australia (including any St.George, BankSA and Bank of Melbourne ATMs) . Find a Westpac Group ATM. |
| Credit card surcharge | In some instances, businesses may administer a ‘surcharge’ for credit card payments. Usually, these are a percentage fee of your purchase amount. Ask the merchant if a surcharge applies and how much it is before paying if you’re unsure. |
Rates
| Transaction |
Interest rates |
|---|---|
| Purchases |
20.99% p.a. |
| Cash advances |
21.99% p.a. (variable) |
Details
Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.
Contact us
Please feel free to contact us anytime on 1300 367 228.
Things you should know
World Mastercard®, Mastercard® and the Mastercard brand mark are registered trademarks, and PayPass is a trademark of Mastercard International Incorporated.