Westpac Altitude Gold Credit Card Application

Terms and Conditions

Important: If you are applying for a selected card at the same time or after your Premier Advantage Package is set up, or if you are switching or upgrading from an existing Westpac card, or if you are accessing employee benefits, you are not eligible for any special promotional offers (such as bonus reward points and any promotional balance transfer rate) available at point of application. Please check the details at card application. Fees and charges are payable. Terms and conditions are available on request. Credit card applications are subject to Westpac's normal lending criteria. 1.The earning and redemption of Altitude points (including available rewards and expiry of points) is subject to the Altitude Rewards Terms and Conditions (PDF 479kb) (Opens in new window). Altitude points are not earned on cash advances You do not receive points if your card account is in arrears for 2 consecutive statement cycles. You are not entitled to points in other circumstances – see Altitude Rewards Terms and Conditions (PDF 479kb) (Opens in new window). You must have earned a minimum of 3,000 points before you can redeem for any rewards. 2.If you obtain a credit card as part of a Westpac package, or switch from an existing Westpac card, you are not eligible for the bonus points described. The bonus points will be added to your Altitude points balance within three business days of the first purchase transaction being debited to your account. 3. Complimentary insurance covers are issued by Zurich Australian Insurance Limited ABN 13 000 296 640 AFSL 232507 (Zurich) to Westpac Banking Corporation under separate Master Policies. Zurich is liable for separate risks insured and the benefits of the covers are extended to Westpac’s cardholders (as third party beneficiaries) as complimentary benefits. Cover is subject to the terms and conditions and exclusions of the policy. Limits apply. No Westpac Group company has any liability in connection with the insurance policies. Policy wording may be obtained by calling 1300 367 228 or by downloading the Gold Card Insurance Conditions of Use (PDF 259kb). (Opens in new window) 4.This promotional rate is available to customers who are applying for a new Altitude Gold card and request at application, to transfer the balance(s) from non-Westpac credit card(s), charge card(s) or store card(s). This promotion is only available at point of application. Subsequent balance transfers will be charged at the standard purchase interest rate currently 19.99% p.a. and will be treated as purchases with no interest free days applying to them. Payments made to your credit card account are first applied to any amounts transferred from other credit cards, charge cards or store cards under this promotion, before they are applied to any other purchase or cash advance amount. This means that the portion of your outstanding account balance that is subject to a lower interest rate will be paid off first. You will not gain the benefit of the interest free period on credit purchases until the full balance (including any balance transfer and any other promotional amount) is paid by the statement due date each month. After 6 months the balance transfer rate will switch back to your credit card standard variable rate for purchases then applicable to your product. Each balance transfer must be a minimum of $200.