In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
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Westpac Altitude Business Gold Mastercard

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Westpac Altitude Business Gold Mastercard
Terms and conditions apply
Balance transfer rate for 12 months with no balance transfer fee
4.99% p.a.
Purchase rate
20.24% p.a.
Reward point per $ spent
1
Annual fee for the first year ($150 p.a. thereafter)
$0 p.a.

Our verdict

Offers 4.99% p.a. interest on balance transfers for the first 12 months and a $0 first-year annual fee, which goes to $150 after that.

The Westpac Altitude Business Gold Mastercard is suited to smaller business ventures and investments, offering 1 additional cardholder and easy options if you want to export transaction details directly to MYOB or BAS. It earns 1 point per $1 spent on eligible purchases and 0.5 points per $1 spent on government payments, capped at 20,000 per statement cycle, which are collected through the Altitude Rewards program.

Pros

  • $0 annual fee for the first year
  • Balance transfer offer of 4.99% p.a. for 12 months
  • Complimentary overseas travel insurance

Cons

  • A relatively high interest of 20.24% p.a. on purchases
  • Charges a 3% foreign transaction fee

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question

This business credit card combines expense-management features with gold-level perks, including rewards and complimentary travel insurance. It also offers a balance transfer option.

Details

Product details

Product Name Westpac Altitude Business Gold Mastercard
Balance transfer rate p.a. 4.99% for 12 months, then 20.24%
Balance transfer limit 80% of available limit
Purchase rate p.a.
Purchase rate p.a.
20.24%
Interest-free period Up to 55 days on purchases
Cash advance rate p.a. 20.74%
Min credit limit $1,000
Max credit limit $80,000
Card type Mastercard

Eligibility

Available to temporary residents Yes - Conditions apply
Minimum income $30,000
Joint application No

Rewards

Rewards program Westpac Altitude Rewards
Bonus points N/A
Rewards points per $ spent 1
Rewards points cap 20,000

Fees

Annual fee
Annual fee
$0 first year ($150 after)
Minimum monthly repayment 3% of the closing balance or $10, whichever is greater
Late payment fee $0
Foreign currency conversion fee
Foreign currency conversion fee
3%
Cash advance fee 3%
Overseas cash advance fee 2%
Additional cardholder fee $0
Number of additional cardholders 1

How to apply

You can apply for the Westpac Altitude Business Gold Mastercard online in around 10 minutes and could get a response within 60 seconds of submitting your completed application. To get started, make sure you meet the following eligibility requirements and have access to all the details and documents you'll need to apply.

Eligibility criteria

  • Minimum income. You must earn a minimum of $30,000 per year.
  • Business details. You can only apply for this card if you plan to use it for business or investment purposes. You also need to have an active ABN (Australian Business Number) or ACN (Australian Company Number).

Card benefits

  • First year annual fee waiver. Get a $0 annual fee in the first year, saving you $150 on the usual annual fee.
  • Balance transfer offer. If you're looking to consolidate your debt, you can take advantage of a 4.99% p.a. interest for the first 12 months when you request a balance transfer during the application. At the end of the introductory period, the interest rate reverts to the variable purchase rate of 20.24% p.a.

Rates & fees

  • Annual fee. Outside of any promotions, this card charges a standard annual fee of $150.
  • Business management features. This card offers easy ways to export transaction details to MYOB or BAS, as well as downloadable reports you can open in Microsoft Excel. If you want to share the account with an employee, you can also request an additional card, with a $0 additional cardholder fee.

Your reviews

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Amy Finder

Editor

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Avatar

Mathew

July 05, 2015

hi

I have an altitude black card with Westpac. Will I be able to have an altitude business card,if I am exclusively an employee of a large business group,but own no business firm of my own. I don’t even have an ABN.

cheers

Mathew


Avatar

Sally McMullen Finder

July 06, 2015

Hi Mathew,


Thank you for your comment.


You need to quote your ABN or ACN of your company during your application, so you can only use the card if you have one of these.


As a business card, the Gold card comes with a higher annual fee and rates than a personal credit card. Business credit cards can also only be used for business-related purchases and transactions.


You would need to discuss the possibility of using a Westpac Altitude Business Gold credit card with your managers and employers before applying for the card.


I hope this has helped.


Thanks,


Sally


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Thomas

July 03, 2015

Hi, Can I get more than 1 additional card holder for the Business Altitude Gold/Platinum?


Avatar

Sally McMullen Finder

July 03, 2015

Hi Thomas,


Thank you for your comment.


No, you can only get one additional cardholder with either of those cards.


I hope this has helped.


Thanks,


Sally


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andrew

April 29, 2015

Can i swap from Platinum Altitude card to the Business Gold Altitude card for both me and my wife? I have an abn and registered business


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Jonathan Finder

April 30, 2015

Hi Andrew, thanks for your inquiry!


Changing Westpac credit cards can be done via online banking, calling the customer service team or visiting a Westpac branch. Please refer to the link I have sent to your email for the details on changing your card via these methods.


Cheers,


Jonathan


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Troy

August 15, 2014

Can I get this card? as I have an ABN, but my main source of income is not from my business, but from my employer.


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Shirley Liu Finder

August 18, 2014

Hi Troy,


Thanks for your question.


Yes you can still apply for this card. Please note that other eligibility requirements apply.


All the best,

Shirley


Avatar

Miri

March 23, 2014

I took out a Westpac Gold card many many years ago. Somewhere in the fine print at the time, it said that if a certain amount was spent per month,( and I mean around $17000) the annual fee of $150 would be deducted. I remember reading this, but can no longer find the paperwork. If you can find this detail, I will be totally grateful.


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Jacob Joseph Finder

March 24, 2014

Hi, Miri.


Unfortunately, I’m unable to get access to this information. I’ll have a look across the internet and I’ll be in touch if anything comes up.


Thanks for your question.


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