Westpac Altitude Business Gold Mastercard

• Residency. You must be an Australian citizen or permanent resident.
• Age. You must be at least 18 years old to apply.

Required documents

• Personal details. This includes your full name, date of birth, residential address, email address, contact number and household details. You'll also need to provide a valid form of identification, such as your passport or driver's licence number.
• Business and employment details. This includes details about your business ventures, as well as your ABN or ACN and your accountant's details. If you also have employment, you'll need to provide details of your job and your employer.
• Financial details. This includes your income from all sources (business, salary etc), as well as your assets and any investments. You'll also need to provide details of your financial commitments, such as existing loans, business expenses and your share of household expenses.

• Rewards program. Earn 1 point per $1 spent on eligible purchases and 0.5 points on government payments. Points are earned based on your spending in Australian dollars and are capped at 20,000 per statement period.
• Rewards redemption. You can redeem your rewards for travel and merchandise or convert them to cash that can be deposited into an eligible superannuation account. You can also redeem Altitude Rewards points for frequent flyer points with the following airline loyalty programs: Qantas Frequent Flyer, Virgin Australia's Velocity, Cathay Pacific Asia Miles, Air New Zealand Airpoints, Malaysia Airline's Enrich and Singapore Airlines KrisFlyer.
• Complimentary insurance. Use this card to pay for your return tickets overseas and enjoy complimentary overseas travel insurance and transit accident insurance. Purchases made with your cards are also protected with an extended warranty and against theft, loss or breakage. Plus, the price guarantee cover will pay you the difference if you buy an item that you find cheaper somewhere else at a later date. Conditions to all of the insurance covers do apply, and can be found through the Westpac website.
• Business insurance. The Westpac Altitude Business Gold credit card offers complimentary insurance to protect your account against unauthorised transactions made by other cardholders. You'll also get access to business inconvenience insurance to help cover costs if your business premises are invaded during normal business hours, or recruitment costs if another cardholder is unable to continue their employment.
• Mobile wallets. You can use Apple Pay, Google Pay or Samsung Pay to make contactless payments with your eligible smartphone at the checkout. You can also pay with your eligible fitness tracker via and Garmin Pay.

• Purchase rate. You will be charged a variable purchase rate of 20.24% p.a.
• Interest rate for cash advances. Pay 20.74% p.a. interest on the balance of any cash advances.
• Interest-free days. This card offers up to 55 interest-free days on purchases as long as you pay the closing balance in full by the due date shown on your statement. Note that you won't be eligible for interest-free days when you carry a balance transfer debt or for cash advance transactions.
• Credit limit. Depending on your financial background, you can be granted a credit limit of anywhere between $1,000 and $80,000.
• Foreign transaction fee. Purchases made where the currency needs to be converted to the Australian dollar (AUD) will incur an additional 3% charge of the AUD amount.
• Security. This card offers zero liability against fraudulent transactions, 24/7 account monitoring and Mastercard SecureCode to help keep your account safe.