Credit Card Compare

Westpac Altitude Business Gold Credit Card

Data last updated 20 July 2026
20.24%
Purchase rate
$0
Annual fee
55 days
Interest-free

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Westpac Altitude Business Gold Credit Card card
60 second approval
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CardIQ

44Fair

Fair

Overall score, out of 100 · How this works

  • 55 days interest-free48
  • Balance transfer50
  • Business42
  • First timer57
  • Frequent flyer33
  • No annual fee48
  • Rewards35
  • Travel47
  • Velocity Points33

Customer reviews

No reviews yet. Be the first to review the Westpac Altitude Business Gold Credit Card.

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.
  • Earns 1 point per $1 on everyday spend, around the dataset average.
  • Points earning is capped at 20,000 points a month.

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 pt 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 $180)
Cathay (Asia Miles)
3 pts → 1 pt (≈ 0.33 pts per $1)
Everyday Rewards
3 pts → 2 pts (≈ 0.67 pts per $1)
Singapore Airlines KrisFlyer
3 pts → 1 pt (≈ 0.33 pts per $1)
Velocity Frequent Flyer
3 pts → 1 pt (≈ 0.33 pts per $1)

Complimentary insurance

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

Overseas travel

Activation
Prepay part of the trip on the card
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.

Interest-free days55 daysTied for best (1st of 37 cards)
Overseas fee3.00%Top 25% (7th of 39 cards)
Rewards value$360 a yearTop 25% (5th of 21 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 August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Questions and answers

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Sources

Credit Card Compare
Australian credit card statisticsHow CardIQ scores cards
Government
Product reference data (Consumer Data Right)
Issuer
Westpac
Program
Altitude Rewards (Westpac)