Westpac Altitude Credit Cards

To apply for any of the Westpac Altitude credit card products, you must be able to satisfy the following criteria:

• Be at least 18 years old.
• Be a permanent Australian resident.
• Earn at least $30,000 p.a. or more for Altitude Platinum and at least $75,000 p.a. for Altitude Black.

First, check whether you are eligible to apply for a Westpac Altitude credit card. See above for the eligibility requirements.

If you meet the eligibility requirements, you can apply online or call Westpac. Westpac says you should have the following details handy when making an application:

• Identification such as an Australian driver’s licence, Medicare card or passport
• Income and expenses such as payslips and bank statements
• Employment details 

Westpac says it will take less than 10 minutes to apply.

You will have to activate your Westpac credit card when it arrives before you are able to use it. Westpac says you can activate the card through online banking. If you are a new customer, you’ll need to register for online banking first. 

You can manage your Westpac Altitude credit card through Westpac’s online banking or using the Westpac mobile banking app. Use online banking or mobile banking to do things like view your recent transaction history, view your balance, request a change in credit limit, and more.

When interest is charged

Interest is charged when you carry a balance on your Westpac Altitude credit card. Interest is charged on cash advances from the date of withdrawal and balance transfers from the date of transfer. Fees and charges may apply, contact Westpac for more details.

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).

Your credit limit for a Westpac Altitude credit card will be determined based on the information you provide in your application, keeping in mind the minimum and maximum credit limits available for each card. 

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. If you wish to decrease your credit limit, Westpac says your current limit must be higher than the minimum for your card and you cannot owe more than your new limit.

You can close your Westpac Altitude credit card account online, 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, consider your other options when it comes to credit cards:

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Westpac says it is Australia’s first and oldest bank. Westpac was established in 1817 as the Bank of New South Wales. Today Westpac and its subsidiaries serve around 13 million customers. Westpac owns a number of other banking brands including St. George, Bank of Melbourne, BankSA, BT and RAMS.

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