Westpac Altitude Platinum Credit Card - Apply Online

	Key Features:
	Get two credit cards - the Altitude Platinum American Express® Card and the Altitude Platinum Visa® card or Altitude Platinum MasterCard® Low 3.99% p.a. on balance transfers for up to 6 months.1 Receive 15,000 bonus Altitude points when you first use either card for a purchase2 Annual fee: $295 Interest rate: 19.64% p.a. for purchases, 21.24% p.a. for cash advances Earn 3 Altitude points per $1 spent3 on your Altitude Platinum American Express® Card and enjoy accelerated points earning power. Earn 1 Altitude point per $1 spent3 on your Altitude Platinum Visa® Card or Altitude Platinum MasterCard® and enjoy the convenience of acceptance at over 29 million locations. Uncapped points earning power and no points expiry.3 Platinum Concierge service4 – it’s like a 24/7 personal assistant for booking tickets, hotels, car hire and more, available worldwide. Complimentary Overseas Travel Insurance cover5 for trips of up to 6 months. Complimentary Purchase Security Insurance cover5 Extended Warranty Insurance cover5

* Information current as at 13 May 2010. Important: Customers with Westpac packaged or switched credit cards or Westpac Group Employees are not eligible for this offer. Credit card applications are subject to Westpac's normal lending criteria. Fees and charges payable and subject to change. Please read our Terms and conditions, these may be varied or new terms and conditions introduced in the future.
1. This special rate is only available to customers who are applying for a new Altitude Platinum card and request to transfer the balance(s) from a non-Westpac credit card(s), charge card(s) or store card(s). This promotion is only available at point of application. Subsequent balance transfers will be charged at the standard purchase interest rate (currently 19.64% p.a. and variable) and will be treated as purchases with no interest free days applying to them. Payments made to your credit card account are first applied to any amounts transferred from other credit cards, charge cards or store cards under this promotion, before they are applied to any other purchase or cash advance amount. This means that the portion of your outstanding account balance that is subject to a lower interest rate will be paid off first. You will not gain the benefit of the interest free period on credit purchases until the full balance (including any balance transfer and any other promotional amount) is paid by the statement due date each month. After 6 months the balance transfer rate will switch back to your credit card's standard variable interest rate for purchases then applicable to your card account. Each balance transfer must be a minimum of $200.
2. The extra Altitude rewards points, offered at the time of application, will be added to your account within 1 week of your first purchase.
3. The earning and redemption of Altitude points (including available rewards and expiry of points) is subject to the Altitude Rewards Terms and Conditions. Points do not expire as long as you remain an Altitude cardholder unless the program is terminated. Altitude points are not earned on cash advances. You do not receive Altitude points if your card account is in arrears for 2 consecutive statement cycles. You are not entitled to points in other circumstances – see Altitude Rewards Terms and Conditions. A minimum 3,000 points balance is required to redeem for any rewards.
4. Services provided are subject to the Altitude Platinum Concierge Service Terms and Conditions.
5.Complimentary insurance covers are issued Zurich Australian Insurance Limited ABN 13 000 296 640 AFSL 232507 (Zurich) to Westpac Banking Corporation under separate Master Policies. Zurich is liable for separate risks insured and benefits of the covers are extended to Westpac card holders (as third party beneficiaries) as complimentary benefits. Cover is subject to the terms and conditions and exclusions of the policy. Limits apply. No Westpac Group company has any liability in connection with the insurance policies. Read the Altitude Platinum Insurance Conditions of Use for full policy wording.
American Express is a registered trademark of American Express Company.
The MasterCard® brand is a registered trademark of MasterCard International Incorporated.
Visa is a registered trademark of Visa Worldwide PTe Limited.