Westpac Altitude Business Gold Credit Card

Name: Westpac Altitude Business Gold Credit Card
Brand: Westpac

Data last updated 12 October 2026

20.24%

Purchase rate

Annual fee

55 days

Interest-free

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Westpac Altitude Business Gold Credit Card card

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CardIQ

49Fair

Fair

Overall score, out of 100 · How this works

55 days interest-free48
Balance transfer50
Business54
First timer57
Frequent flyer43
No annual fee48
Rewards45
Travel53
Velocity Points43

Customer reviews

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Pros & cons

What's good

No annual fee.
Complimentary international travel insurance.
Points transfer to 5 rewards programs, including Air New Zealand Airpoints, Cathay (Asia Miles) and Everyday Rewards.
No fee to add an additional cardholder.

Worth noting

The annual fee increases from $0 to $150 in the second year.
The 20.24% p.a. purchase rate sits above the 18.99% p.a. median if you carry a balance.
Points earning is capped at 20,000 points a month.
3% foreign transaction fee on overseas spending.

Card details

The basics

Additional cardholder fee: $0 p.a.
Card tier: Gold
Card type: Visa
Card use: Business
Credit limit: $1,000 – $80,000
Credit rating: Good
Rewards program: Westpac Altitude Rewards

Eligibility

Instant approval: Yes (response in ~60 seconds)
Joint application: No
Minimum age: 18 years old
Minimum income: $30,000 p.a.
Residency: Australian citizen or permanent resident
Temporary residents: Not eligible

Rates & fees

Ongoing interest rates

Cash advances: 20.74% p.a.
Purchases: 20.24% p.a.

Fees

Additional cardholder fee: $0
Annual fee: No annual fee
Annual fee (year 2+): $150 p.a.
Cash advance fee: 3% of the amount
Foreign transaction fee: 3%
Late payment fee: $0

Repayments

Interest-free period: Up to 55 days on purchases
Minimum repayment: 3% of the closing balance or $10, whichever is greater

Balance transfers

Can't transfer from: Westpac
Limit: Up to your available credit limit
Period: 12 months
Promotional rate: 4.99% p.a.
Revert rate: 20.24% p.a.
Transfer fee: 0%

While you carry a transferred balance you may not receive interest-free days on new purchases.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

Earn rate

Everyday spend: 1.5 pts per $1
Bonus categories: None
Other purchases: None
Overseas spend: None
ATO/government: None
Reduced rate above monthly cap: None
Points cap: Maximum 20,000 points per month
Points expiry: Points don't expire while your account is open and in order.

Sign-up bonus

Bonus spend required: —
Sign-up bonus: —

Transfer partners

Air New Zealand Airpoints: 180 pts → 1 pt (≈ 1 pt per $120)
Cathay (Asia Miles): 3 pts → 1 pt (≈ 0.5 pts per $1)
Everyday Rewards: 3 pts → 2 pts (≈ 1 pt per $1)
Singapore Airlines KrisFlyer: 3 pts → 1 pt (≈ 0.5 pts per $1)
Velocity Frequent Flyer: 3 pts → 1 pt (≈ 0.5 pts per $1)

Where these points could take you

Flights you could book with the sign-up bonus plus a year of spending $3,000 a month on this card. One-way from Sydney or Melbourne, one adult, before taxes and carrier charges. Award prices and seat availability change.

Complimentary insurance

Cover has conditions and exclusions, which are set out in the issuer's policy terms. A missing row means we haven't captured that figure, not that the cover is absent.

Overseas travel

Activation: Varies by card, often paying for the trip with it
Activation spend: $500
Age limit: 80 years
Cover limit: Unlimited
Excess: $300
Maximum trip length: 90 days
Not covered: Pre-existing conditions, unless the insurer agrees in writing
Underwriter: Allianz Australia Insurance Limited

Where this card sits vs similar cards

Compared with every other business credit card we list that has the feature. The further right the dot, the better this card does.

FeatureThis cardWhere it ranks

Interest-free days55 daysTied for best (1st of 37 cards)

Rewards value$540 a yearTop 10% (2nd of 21 cards)

Overseas fee3.00%Top 25% (7th of 39 cards)

Annual fee$150 a yearNot as good as most cards (26th of 39 cards)

Purchase rate20.24%Not as good as most cards (28th of 34 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Sources

Credit Card Compare: Credit card statistics for AustraliaHow CardIQ scores cards
Government: Product reference data (Consumer Data Right)
Issuer: Westpac
Program: Altitude Rewards (Westpac)