Westpac Altitude Credit Card are those reward cards that give room for you to earn either Altitude or Qantas Points for money Spent using the Card. The card could accelerate your points earning with 60,000 bonus Qantas Points when you apply, are approved, and send $3,000 on eligible purchases within 90 days of card approval.
Westpac is also a provider of other types of credit cards as well as a range of banking and insurance products. Westpac Altitude Rewards are a loyalty program for credit card points earned from your day-to-day spending.
It’s similar to the other major programs out there in that there is a range of cards in which you can Altitude Rewards points, and a number of frequent flyer transfer partners you can use them with.
Westpac Altitude Credit Card
The Westpac presently offers two Altitude credit cards which are Westpac Altitude Platinum and Westpac Altitude Black. it also offers American Express Westpac Altitude Cards Platinum and Black, which are issued and serviced by American Express.
These can be purchased in a bundle with Westpac Altitude credit cards. with a brief discussion, let’s talk about the two types of credit cards Westpac offers.
Westpac Altitude Platinum Credit Card Features
- Minimum credit limit: $6,000
- Card type: Mastercard
- Interest-free period: up to 45 days
- Rewards program: choice of earning either Westpac Altitude Points or Qantas Points. Earn rewards points in your choice of program for money spent on eligible purchases.
- Insurance: Receive complimentary cover for overseas travel, extended warranty, purchase security, and transit accidents. Terms and conditions apply.
Westpac Altitude Black Credit Card Features
- Minimum Credit limit: $15,000
- Card type: Mastercard
- Interest-free-period: up to 45 days
- Rewards Program: choices of earning either Westpac Altitude Point or Qantas Points. Earn rewards points in your choice of program for money spent on eligible purchases.
- Insurance: Receive complimentary cover for overseas travel, extended warranty, purchase security, and transit accidents. Terms and conditions apply
Westpac Credit Card
Westpac is one of Australia’s Big Four Banks and offers a wide range of Credit Cards for both everyday spending and businesses. They offer a minimum credit limit of $500 and up to 55 days interest-free.
If you are Westpac’s new customer, you could get extra value from an introductory offer that gives you cashback, bonus points, or a promotional 0% interest rate.
Westpac Altitude Credit Card Rewards
Westpac Altitude Credit Card Rewards is Westpac’s loyalty program for credit card point that is earned from your day-to-day spending.
This reward is similar to the other major programs out there in that there is a range of cards in which you can earn Altitude Rewards points and a number of frequent flyer transfer partners you can use them with.
Westpac Altitude Credit Card FAQs
How Do I Activate my Westpac Altitude Credit card?
Before you make use of your credit card, you will have to activate it. Westpac says you can activate the card through online banking. If you are a new customer, you will need to register for online banking first.
How to Apply for a Westpac Altitude Credit Card
Before you can apply, you need to know whether you are eligible to apply for a Westpac Altitude Credit Card. The following are the eligibility requirements.
Westpac says you should have the following details handy when making an application:
- You must have identification such as an Australian driver’s license, Medicare card, or passport
- Employment details
- Income and expenses such as payslips and bank statements
If you meet the eligibility requirements, you can apply online or call Westpac.
What will my credit limit be on my Westpac Altitude Credit Card?
The limit of your Westpac Altitude Credit card will be determined based on the information you provide in your application. Keep in mind the minimum and maximum credit limits available for each card.
If your credit limit is too low, you can apply to increase or decrease your credit limit at any time. Westpac says you can make a request through online banking, by calling Westpac, or by visiting your nearest branch.
Westpac says your present limit must be higher than the minimum for your card and you cannot own more than your new limit.
How is Interest Calculated on my Westpac Altitude Credit Card?
When credit is charged
Interest is charged on cash advance from the date of withdrawal and balance transfers from the date of transfer. It is also charged when you carry a balance on your Westpac Altitude card. Fees and charges may apply.
When interest is not charged
At the time of writing, up to 45 interest-free days apply to Westpac Altitude credit card purchases. Interest-free days only apply if you have paid the balance in full for the previous month’s statement and for the current month’s statement (the statement on which the purchases are listed).
How can I Close my Westpac Altitude Credit Card Account?
If you want to close Your Westpac Altitude credit card account online, you can do that over the phone or by visiting your nearest branch.
Your card balance will need to be repaid in full even after the card is closed. Westpac says you will continue to receive monthly statements until your card balance is fully repaid.
Westpac also advises that unclaimed rewards points will expire three months from the date on which your credit card account is closed.
If you are experiencing financial hardship, contact the customer service team to potentially get help in making repayments.
If you are closing your Westpac Altitude credit card because you’re not satisfied with it, see your others options when it comes to credit cards.