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    • Westpac Altitude Gold

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    • Altitude Gold card from Westpac

    • 19.99%

    • 3.99% for 6 months

    • $150.00

    • 45

    Rewards scheme

    • Transfer points to a range of airline programs or redeem your points for travel, gift cards, retail rewards and shopping gift cards.
    • You can get flights via Velocity, Air New Zealand Air Points, Enrich or Krisflyer programs, or by booking through Altitude Travel.
    • Bonus points available at a range of partner merchants including Altitude Travel, hotels and more.

    Privileges

    • Travel Accident Insurance
    • Extended Warranty
    • Purchase Protection

    Special offers

    • Receive 10,000 bonus Altitude points when you first use either card for a purchase.

    Value of rewards points

    • Example reward
    • You'd need to spend
    •  
    • Visa/MCard
    • Amex
    • $100 gift card
    • $16,950
    • $8,475
    • $100 cash back
    • $25,000
    • $12,500
    • Flight: Sydney-Melbourne
    • $19,600
    • $9,800
    • Flight: Sydney-London
    • $250,000
    • $125,000
    • Points are capped?
    • No
    • Points expire?
    • Never

    Details behind our 'value of rewards' calculations

    • Points earning 2.0 points per dollar on Amex, 1.0 points per dollar on Visa/MCard, uncapped
    • $100 gift card 16950 points buys a Myer $100 Gift Card
    • $100 cash back 25000 points buys a Annual Fee Rebate
    • Flight: Sydney-Melbourne 1 points buys 0.5 Velocity Points; 9800 Velocity Points buys a Virgin Australia Syd-Mel flight
    • Flight: Sydney-London 1 points buys 0.5 Velocity Points; 125000 Velocity Points buys a Velocity partner London flight

    (how did we do it? find out...)

    Rates

    Purchase rate
    19.99%
    Intro purchase rate
    none
    Balance transfer rate
    3.99% for 6 months
    Balance transfer term
    6 Months
    Balance transfer revert to cash
    no
    Cash advance rate
    21.59%
    Interest free days
    45

    Other financial bits

    Minimum repayment amount
    $10.00
    Minimum repayment percent
    2.0

    Fees

    Annual card fee
    $150.00
    Introductory fee
    none
    Annual fee spend threshold
    none
    Reward program fee
    $
    Late payment fee
    $9.00
    Overlimit fee
    $9.00
    Cash advance fee
    $2%, Min $2.50, Max $150
    Foreign exchange margin
    3.00%
    Duplicate statement fee
    $7.50
    Transaction verification fee
    $
    Additional card fee
    $
    Establishment fee
    $

    Features

    Additional cardholders
    1
    Other restrictions
    none
    Other benefits
    Receive 10,000 bonus Altitude points from when your card is first used. Transit accident insurance.

    About Westpac

    As Australia’s first bank, Westpac has been serving customers since 1817! Now that Westpac has merged with St George to create Australia’s largest financial services company. Westpac customers will benefit from things like being able to use both banks’ ATM networks without paying any extra fees. So if you’re after the security offered by a major bank, check out Westpac’s range of banking products such as savings accounts, home loans, personal loans, credit cards and other financial services such as its car and home and contents insurance.

    How are Westpac credit cards rated by the Mozo community?

    Product Type Overall Price Features Service Convenience Trust
    Westpac credit cards 6.7 Based on 531
    Westpac credit card reviews     		5.8 5.9 6.9 7.6 7.0

    Read Westpac credit card reviews by the Mozo community

    Latest reviews of Westpac

      • Westpac Altitude Gold

        Westpac 55 Day MasterCard or Visa

        More Westpac credit cards

        Show Rates

        Customer service is good but interest rates high.

          11. Overall customer rating
          12. (Reviewed 6 days ago)

        This product charges a mega amount of interest. Even if you pay off the designated amount each month there is always some fee that applies. I find this product too expensive for the awards offered. Even the awards are not that special. Some are in...       Full review 

        This product charges a mega amount of interest. Even if you pay off the designated amount each month there is always some fee that applies. I find this product too expensive for the awards offered. Even the awards are not that special. Some are in the form of products and they are already superceeded in the market place by others yet the points asked do not reflect this. Overall I find this credit card less than what I need or want.


          11. Price
          11. Features
          11. Service
          11. Convenience
          11. Trust
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        Westpac credit card review by Karen from Victoria

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        Yes

      • Westpac Altitude Gold

        Westpac 55 Day MasterCard or Visa

        More Westpac credit cards

        Show Rates

        An efficient and easy to use card.

          11. Overall customer rating
          12. (Reviewed 12 days ago)

        Very convenient and easy to use product. Accepted world wide and staff are very easy to deal with when I needed to clarify matters. Good rewards program.       Full review 

        Very convenient and easy to use product. Accepted world wide and staff are very easy to deal with when I needed to clarify matters. Good rewards program.


          11. Price
          11. Features
          11. Service
          11. Convenience
          11. Trust
        Less
        Westpac credit card review by Daryl from Victoria

        Was this review helpful?

        Yes

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