Consumer Credit Cards - Conditions of Use (PDF 229KB)
Credit criteria, fees and charges apply. Offers are not available in conjunction with any special offers that are not listed on www.westpac.com.au. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible.
Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.
Bonus points promotion: The bonus points promotion is available when you apply for a new Altitude Platinum, or Altitude Black card between 31st January 2017 and 20th April 2017 and spend the minimum amount of $2500 on eligible purchases within 90 days from card approval on one or more transactions. Eligible purchases do not include BPAY transaction, fees, cash, cash equivalent transactions, refunds and balance transfers debited from the card account.
Existing Westpac customers who currently hold an Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months, are not eligible for this offer. The bonus Altitude Points or Qantas Points will be credited to your points balance within 12 weeks after the eligible spend criteria being met.
Rewards Points: The earning and redemption of Altitude Points and Qantas Points is subject to the Altitude Rewards and Altitude Qantas Terms and Conditions. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances.
Effective from 9 November 2014 we will be introducing some changes to the way you earn Altitude Points and Qantas Points on ATO payments. Please see the Terms and Conditions for full details.
Altitude Rewards: You must be a member of the relevant frequent flyer program to redeem Altitude Points for frequent flyer points. The Altitude Rewards Terms and Conditions and the terms and conditions of the relevant frequent flyer program apply. A joining fee may apply. Availability of Reward flights may be limited. For more information on the Altitude Rewards program, visit altituderewards.com.au.
Altitude Qantas: In order to earn and redeem points, you must be a member of the Qantas Frequent Flyer program.
Qantas & Partner Classic Reward Seats are subject to capacity controls and availability is limited. The number of seats available depends on the flight, date, season and destination. Some flights may not have any Classic Reward seats available. For Classic Reward flights, taxes, fees and carrier charges are payable in addition to the points required, are subject to change and are quoted at the time of booking. Reward flights must be booked at least 24 hours before scheduled departure (and other advance booking requirements may apply).
Flight Upgrades are subject to capacity controls and availability is limited. Flight upgrades are not available on Classic Rewards or on international airfares booked in E, N, O, P, Q, and X class (which includes some Any Seat Rewards and some Red e-Deals). You must have an eligible paid and confirmed ticket on a Qantas operated service (with a QF flight number on your ticket).
Qantas & Jetstar Any Seat Rewards are available on any flight with a QF or JQ flight number. The points required will be quoted when booked. There is no fixed relationship between the cash price charges by the applicable airline for a seat and the points required to redeem an Any Seat Reward through Qantas Frequent Flyer. Special promotional fares may not apply. Reward flights must be booked at least 24 hours before scheduled departure (and other advanced booking requirements may apply). For more information see qantas.com/frequentflyer. The Jetstar Any Seat Rewards booking service is operated by Carlson Marketing Group (Aust) Pty Ltd trading as Carlson Leisure Travel Service Licence No. 2TA 5778, IATA 02-3-59523.
For more information on the Qantas Frequent Flyer program, visit qantas.com/frequentflyer.
Complimentary insurance covers: QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 which allows eligible Westpac account holders and cardholders to claim under it as third party beneficiaries. The terms, conditions, limits and exclusions, of the group policy, are set out in the Westpac Credit Cards Complimentary Insurance Policy, which may be amended from time to time. Westpac does not guarantee the insurance. You can get a copy of the policy booklet by calling 1300 130 961.
^$0 annual fee in first year for existing Westpac customers promotion: To be eligible for this promotion you must be an existing Westpac customer that applies for a new Low Rate, Altitude, Altitude Platinum or Altitude Black card by clicking on the Westpac customers 'Apply now’ button via westpac.com.au between 31st January 2017 and 20th April 2017. The first annual fee will be debited on the 12 month anniversary of the first transaction on your account and annually thereafter on the anniversary of the first annual fee.
Balance transfer promotion: The promotional balance transfer rate is available when you apply for a new Westpac credit card between 31st January 2017 and 20th April 2017 and request at application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. The rates will apply to balance(s) transferred (min $200 up to 95% of your approved available credit limit) for the promotional period, unless the amount is paid off earlier. Card activation will trigger the processing of the balance transfer. The variable purchase rate will apply to balance(s) transferred but left unpaid at the end of the promotional period. Westpac will not be responsible for any delays that may occur in processing payment to your other card account(s) and will not close the account(s). The variable purchase interest rate applies to balance transfers requested at any other time. Interest free days don’t apply to balance transfers.
Purchase rate promotion: The introductory rate of 0% p.a. on purchases is available when you apply for a new Westpac credit card between 31st January 2017 and 20th April 2017. The introductory rate will be applied from the date of the first purchase on your account and expires 6 months after the date of card approval. At the end of this period the introductory purchase rate will switch to the variable purchase rate then applicable to your card account and any purchases that remain unpaid at that time will revert to the standard variable purchase rate then applicable to your card account.
Westpac is the credit provider and credit licensee under National Consumer Credit Laws.
Samsung is a trademark of Samsung Electronics Co. Ltd.
American Express® is a registered trademark of American Express. The Westpac American Express Card is issued by Westpac Banking Corporation pursuant to a license from American Express.
World Mastercard®, Mastercard® and the Mastercard brand mark are registered trademarks, and PayPass is a trademark of Mastercard International Incorporated.
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