Westpac Altitude Credit Card Application

Terms and Conditions

Important: If you are applying for selected credit cards 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) 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. An additional card can be issued on the primary cardholder’s credit card account to any nominated person 16 years or over. All transactions using the additional card will be the responsibility of the primary card holder. Information about a third party’s products or services is provided for convenience only and does not represent an endorsement by Westpac of the products and services.

Credit Savvy: Westpac’s lending policies and guidelines are designed to ensure we lend responsibly. Make sure the credit limit you apply for is realistic and you have checked the interest rates, fees and charges on your selected card before you apply. Always aim to pay off more than your minimum monthly repayment amount as making minimum payments is not an effective way to manage credit card debt. There can be reasons, such as job loss or illness, which can mean that even the most responsible borrower might get into temporary financial difficulty. If you find yourself in this position, just call us on 1300 651 089.

1. This promotional rate is available to customers who are applying for a new Altitude Credit Card account and request at application by 29 December 2011, to transfer the balance(s) from non-Westpac credit card, charge card or store card(s). This promotion is only available at point of application. Subsequent balance transfers will be charged at the standard variable purchase interest rate currently 19.99% p.a. and will be treated as purchases with no interest free days applying to them. Payments to your account will be applied to the lowest applicable interest rate before any other cash advance or standard purchase amounts in ascending order. 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 9 months the balance transfer rate will switch back to your credit card standard variable interest rate for purchases then applicable to your product. Each balance transfer must be a minimum of $200. 2. The bonus points will be added to your Altitude points balance within three business days after the first purchase transaction being debited to your account. 3. The earning and redemption of Altitude points (including available rewards and expiry of points) is subject to the Altitude Rewards Terms and Conditions (PDF 508kb). 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 must have earned a minimum of 3,000 points before you can redeem for any rewards.