Westpac Altitude Gold Credit Card

• Earn Altitude points on purchases ®
• - 2 Altitude points per $1 spent on your Altitude Gold American Express ® Card
• - 1 Altitude point per $1 spent on your Altitude Gold Visa ® Card or Altitude Gold MasterCard ®
• Two credit cards linked to one account - with one monthly statement and one credit limit
• Money magazine Award Winner - Altitude Gold American Express ® Card
• No points capping or expiry
• Receive 10,000 bonus Altitude points when you first use either card for a purchase
• Complimentary insurance covers in accordance with the policy :
• Overseas Travel Insurance cover for trips of up to 3 months
• Purchase Security Insurance cover for 3 months
• Extended Warranty Insurance cover for up to 12 months
• 3.99% p.a. on balance transfers for up to 6 months
• For a fast and convenient payment option for everyday purchases of under $100, simply hold your MasterCard ® or Visa ® Card against the contactless terminal wherever you see your card’s logo and the contactless symbol - no need to enter a PIN or sign
• Paperless eStatements available.
• Read the terms and conditions

How does the Westpac Altitude Gold Credit Card compare for rates and fees against an average credit card? Based on the data from our website this credit card comparison scorecard shows:

		Purchase Rate	Cash Adv Rate	Annual Fee	Bal. Transfer Rate	Bal. Transfer Rate Period
	Westpac Altitude Gold Credit Card	19.99%	21.59%	$150	3.99%	6 months
	The Average Credit Card	17.17%	21.04%	$95	3.04%	7 months

You can transfer from:



• ANZ
• Aussie
• Bank of Melbourne
• Bank of Queensland
• Bank SA
• Bankwest
• Citibank
• Coles
• Commonwealth Bank
• HSBC
• NAB
• St.George
• Suncorp
• Virgin
• Woolworths

You cannot transfer from:



• Westpac

The award winning Westpac Altitude Gold credit card not only gives you access to a fantastic rewards scheme, but also offers reasonable rates and benefits too. It comes with not one, but two credit cards – ideal if you want to collect points in a hurry! The Westpac Altitude Gold credit card is perfect for anyone who loves to travel or wants to be rewarded for spending!

Pros

The main advantage to owning a Westpac Altitude Gold credit card over other credit cards is the rewards scheme. There are no restrictions on where you can earn points – simply use your card in store, online or over the phone and you’ll be earning points. The Altitude Gold MasterCard pays out at a rate of 1 point for every $1 spent, and the American Express rewards spending at the higher rate of 2 points per $1. Westpac also offer all new members a whopping 10,000 points bonus on their first purchase.

Points can be redeemed for flights on many of the world’s major airlines, including Virgin, Air New Zealand and Singapore Airlines. This flexibility is a great feature, meaning that you can choose who you prefer to travel with rather than being forced to choose from the routes and flight times offered by a single airline. You can also redeem points for a wide range of rewards including shopping vouchers, clothes and wine. And what’s more, unlike some other rewards cards there is no limit or cap on the amount of points you can collect.

But don’t fear if you haven’t collected enough points through your Altitude Gold credit card, Westpac also allow members to pay using points and the remainder with cash – perfect if you want to redeem your points for a reward in a hurry.

Cons

If you’re after low introductory rates then you’ll be disappointed. There is no interest free period on balance transfers (3.99% p.a. for 6 months), which may put off those of you who are looking to switch to a lower interest rate card and pay off your debt faster. Similarly, there is no interest free period on purchases, instead Westpac prefer to keep the rate of 19.99% p.a. consistent throughout the ownership of the card. It’s not all negative however, as the Altitude Gold credit card comes with a 45 day interest free period so long as your balance is paid off in full at the end of the month.

Conclusion

If you want a credit card that rewards you for spending, then look no further! The Westpac Altitude Gold account is perfect for anyone who uses or plans to use their credit card on a regular basis. If you don’t regularly use credit cards then bare in mind that the Altitude Gold card comes with a $150 p.a. annual management fee that can negate the value of the rewards points earned.