Altitude Business Gold

Receive flexible rewards points for eligible purchases and tax payments, plus complimentary insurance.

Credit cardsBank updated 28 Oct 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

How it compares

This credit card in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.

Typical 13.49%

8%10%12%14%16%18%20%to 24%

This credit card: 20.24%Every other institution's lowest, 13 in all

Ongoing purchase rate, not introductory offers. One dot per institution, at its lowest business credit card purchase rate anyone can apply for; hover or tap a dot for its name.

Rate	This credit card	Best anywhere	Typical institution	Where it sits
Business credit card purchase rateOngoing purchase rate, not introductory offers	20.24%	6.96%Greater Bank's Business Visa Credit Card	13.49%of 14 institutions	12th lowest of 14

Rates

Every rate Westpac publishes for this credit card, 2 in all.

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Cash advanceInterest on cash advances	-	-	-	20.74%	-	Applied to any amount of 'cash' withdrawn from account.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

Fees

8 fees published, grouped by when they're charged.

While you hold it3

Account Keeping Fee
No fee
Card Fee
Per account. Card Fee Waiver
$150 a year
Data Feed Fee
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…
$5 a month

When you make a transaction3

Cash Advance Fee
3.00% of transaction
Foreign Transaction Fee
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…
3.00% of transaction
Overseas ATM cash withdrawals (partner)
No fee

If a payment is late or fails1

Missed Payment Fee
No Missed Payment fee will be charged for business credit card accounts opened on or after 22 November 2021. May be payable each statement cycle that the whole of the minimum monthly payment is not p…
No fee

When particular things happen1

Overlimit 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…
No fee

Features

Extra repaymentsDigital bankingFraud protectionRelationship manager55 interest-free days1 additional cardGarmin PayApple PayGoogle PaySamsung PayAltitude RewardsComplimentary insuranceInternational Travel insuranceInterstate Flight Inconvenience insuranceOverseas Transit Accident insurancePurchase Protection insuranceExtended Warranty insuranceAccount holder's Unauthorised Transaction insurance

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…
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…
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 m…
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 authorisatio…
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.
Minimum payment: The greater of 3% of the closing balance (rounded up to the nearest dollar) or $10, plus the greater of any unpaid past due amount or any amount exceeding the credit limit.

Eligibility and limits

Minimum age 18
Residency: Primary applicant must be a permanent resident or Australian citizen
Available to businesses
Amount $1,000 to $80,000

Compare it with others

All credit cards Other Westpac credit cards Everything Westpac publishes

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Published by Westpac under the Consumer Data Right, last changed by them on 28 Oct 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.