Westpac
Altitude Business Gold
Receive flexible rewards points for eligible purchases and tax payments, plus complimentary insurance.
Credit cardsBank updated 15 Sept 2026
At a glance
- Purchase rate
- 20.24%
- Cash advance
- 20.74%
- Interest-free days
- 55
- Annual fee
- $150 · discounted first 1 yr
- Foreign transaction fee
- 3.00%
- Rewards
- Altitude Rewards
§ 01 — Rates · 2
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Cash advanceInterest on cash advances | — | — | — | 20.74% | — | Applied to any amount of 'cash' withdrawn from account. (includes physical cash and transfer from account) |
| PurchaseInterest on purchases | — | — | — | 20.24% | — | Charged to purchase balances where full closing balance is not paid by due date |
§ 02 — Fees · 8
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Cash Advance Fee | Cash advance | 3.00% of transaction | — | — |
| Overlimit Fee | Event | No fee | — | $15.00 once per statement period if your credit card account was opened before 21 November 2021. No Overlimit fee will be charged for business credit card accounts opened on or after 22 November 2021… |
| Missed Payment Fee | Late payment | No fee | — | $15.00 once per statement period if your credit card account was opened before 21 November 2021. No Missed Payment fee will be charged for business credit card accounts opened on or after 22 November… |
| Account Keeping Fee | Periodic | No fee | Every 1 mo | — |
| Card Fee | Periodic | $150 | Every 1 yr | Per account. Card Fee Waiver |
| Data Feed Fee | Periodic | $5 | Every 1 mo | Customers opting in for Data feeds will be charged a monthly fee of $5.00 per Card (up to a maximum of $50 per facility per month) applies when the facility is enrolled in Business Credit Card Data F… |
| Foreign Transaction Fee | Transaction | 3.00% of transaction | — | Payable as a percentage of the Australian dollar value of any foreign transaction. Applies for transactions in a foreign currency, or in Australian dollars but processed by an overseas merchant or fi… |
| Overseas ATM cash withdrawals (partner) | Transaction | No fee | — | — |
§ 03 — Features
Extra repaymentsDigital bankingFraud protectionRelationship manager55 interest-free days1 additional cardsGarmin PayApple PayGoogle PaySamsung PayAltitude RewardsComplimentary insuranceInternational Travel insuranceInterstate Flight Inconvenience InsuranceOverseas Transit Accident insurancePurchase Protection insuranceExtended Warranty insuranceAccount holder's Unauthorised Transaction insurance
- · Special offers - $0 annual card fee for one year. We understand that every dollar counts when you?re launching a business. That?s why we?re offering to help your business get started with a $150 savi…
- · Click to Pay - Online shopping made quick, simple and secure with Click to Pay.
- · Make shopping and ordering online even more safe and secure with Westpac My Merchants. Westpac My Merchants lets you shop and order online without needing to share your card details, because your car…
- · Westpac Fraud Money Back Guarantee ensures that any unauthorised transaction claims will be reimbursed provided that the cardholder has not contributed to the loss and contacted us promptly. Refer to…
- · A statement for the Card Account will be issued each month to the Primary Cardholder
- · Card Autopay Facility : You may authorise us to automatically withdraw funds from your nominated account to make payments to the Card Account using a Card Autopay facility. You may elect to pay: The…
- · The minimum payment that we require from you (being the Primary Cardholder) each month will be shown on the Card Account statement. Your payment due date is 25 days from your statement date. Please r…
- · If you have obtained your Card Account by switching from a Westpac consumer credit card to which Credit Card Repayment Protection applied, your Credit Card Repayment Protection policy will continue t…
- · Gambling Preference Request : For a Card Account, a Primary Cardholder can request us to decline transaction authorisation requests that we receive and that we are able to recognise as an authorisati…
- · Helping support your business - Complimentary Insurances3 has a range of cover benefits available including Unauthorised Transaction Insurance and travel insurance options.
- · Business Money Tools - Tracking expenses, personalised transaction category tagging and cash flow insight tools are designed to save you time on business admin.
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Primary applicant must be a permanent resident or Australian citizen
- · Available to businesses
- · Amount $1,000 to $80,000
§ 06 — Run the numbers
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Published by Westpac under the Consumer Data Right, last changed by them on 15 Sept 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.