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General Details
Institution: Westpac Banking Corporation
 Contact Number: 13 19 00
Product Name: Altitude
 Apply: n/a

Product Details
Card Type: Visa, Mastercard, American Express
 Status Level: Standard
Account Type: Credit
 Interest Rate: 17.90%
Intro Rate: -
Intro Term: -
Concession Rate: -
Balance Transfer:
Free Days: 45
 Min Repayment: $10 / 2%

Fees
Annual Card Fee: $100.00
 Annual Rewards Fee: Nil
Late Payment Fee: $25.00
 Duplicate Statement Fee: $7.50
Trans Verification Fee: -
Reinstatement Fee: -
Over Limit Fee: $30.00
 Over Limit Fee Charged When Over: 1
OS ATM Fee Balance: -
OS ATM Fee Withdrawal: $2.50
OS Emergency Card Fee: -
Interest Charged From: Statement Date
Annual Fee Waiver:



Features
Overseas ATM Availability:
Interest Paid On Credit Balance:
Purchase Insurance:
Auto Travel Insurance: 150000
Loan Application Fee Discount:
Comments: Overseas ATM withdrawal fee clarification: - for accounts in credit after a cash advance- $2.50 charged for the transaction - for accounts in debit after a cash advance- the charge will be 1.5% of the amount (min fee -$2.5, max fee $150)

Rewards
Rewards Program Avail:
Program Name: Altitude
Program Partners: Qantas, Air New Zealand, Virgin Blue, Malaysian Airlines
 Points per Dollar: 1.00
Bonus Points Avail:
Bonus Point Partners: David Jones, Avis, Hoyts, HMV
Number of Bonus Points: -
Lifetime of Points (mths): -
Conditions: Please be aware that enrolment in the relevant reward programs is required


Frequent Flyers
Conversion to Frequent Flyers:
Rewards to Frequent Flyer Ratio: 1 Frequent Flyer point for every 2 Rewards points
Domestic Airlines: Qantas - Frequent Flyer Virgin Blue
 International Airlines: Qantas - Frequent Flyer Air New Zealand - Air Points Malaysian Airlines