A rewards card that s anything but ordinary. Welcome to Altitude Platinum.
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1 A rewards card that s anything but ordinary. Welcome to Altitude Platinum.
2 In this brochure. Two cards, one account. 2 Earning Altitude points. 3 Redeeming Altitude points. 4 Don t miss out on the best rewards. 6 Complimentary insurance. 7 Platinum Concierge. 8 Exclusive privileges. 9 Contactless technology. 11 Added security with Westpac CardShield 12 Getting the most from your cards. 13 Day to day service. 15 Your payment options. 15 Lost or stolen cards. 15 Things you should know. 16 Contact us. 18
3 Welcome to a great way to earn rewards. Now that your credit cards have arrived, you can start earning Altitude points on purchases 1 and redeem them for great value rewards. Visit altituderewards.com.au to view the great range of rewards and special offers, as well as enticing travel packages and experiences. Make the most of a range of complimentary insurance covers wherever you use your card to pay for travel overseas, car rental or shopping in accordance with the policy. 2 You will also have access to programs offering exclusive privileges and benefits on travel, entertainment and shopping. This booklet gives you important information about your cards, so keep it safe for future reference. Platinum Priority Service Line. If you have any questions or any problems with your cards, just call our dedicated Platinum cardholders line. It s available from anywhere in the world and is open 24 hours a day, 7 days a week. Call toll-free from anywhere in Australia, or reverse charge from overseas. 1
4 Two cards, one account. First off, you ll see you ve got two cards, an Altitude Platinum American Express Card and an Altitude Platinum MasterCard or Altitude Platinum Visa Card. Here s how to get the best out of them: OR Altitude Platinum American Express Card. Altitude Platinum Visa Card. Altitude Platinum MasterCard. 2 points per $1 spent on purchases 1 for maximum points earning power. 1 point per $1 spent on purchases 1 for convenience of acceptance at over 32 million locations worldwide, ATM access and contactless purchases under $100. And to keep things simple, both cards work off the one account, so you have: The same variable interest rate on purchases and cash advances on both cards. The same interest-free period on purchases on both cards when you pay the full closing balance (including any balance transfer or promotional amount) by your statement due date. One monthly payment. One credit limit. One annual fee covering both cards. One combined monthly statement. 2
5 Earning Altitude points. Maximise your earning power. Earn bonus Altitude points when you spend with participating Bonus Partners, including Freedom, Cellarmasters, Best Western and Hoyts. 3 No points expiry for as long as you remain a cardholder. Visit altituderewards.com.au for a full listing of our national and local Bonus Partners. 3 Earn bonus Altitude points with Altitude Travel. 4 Altitude Travel is your fully licensed travel agency, staffed by qualified, friendly consultants. Pay for travel through Altitude Travel using your Altitude Platinum cards and you could earn bonus Altitude points, to a total of: up to 7 Altitude points per $3 spent 1 using your Altitude Platinum American Express Card. up to 4 Altitude points per $3 spent 1 using your Altitude Platinum MasterCard or Altitude Platinum Visa Card. Call (option 4). 3
6 Redeeming Altitude points. You can redeem your points for a choice of almost 2,000 rewards including: Premium brands and lifestyle products. Choose from some of the best products from around the globe from the latest smartphones to deluxe coffee machines, perfumes to Champagne, just take your pick. Retail and travel gift cards. Choose from Flight Centre, David Jones, Myer, Bunnings, Harvey Norman vouchers and more. Travel. Explore the world with Altitude Travel. From flights to car hire, to luxury holiday packages, you could turn your Altitude points into a trip to paradise. 4 Frequent flyer points. 5 Flexibility to redeem your Altitude points for Velocity Points, Malaysia Airlines Enrich Award points, Singapore Airlines KrisFlyer miles, Air New Zealand Airpoints Dollars or Asia Miles at the following conversion rates: Velocity 2 Altitude pts 1 Velocity point Singapore Airlines 2 Altitude pts 1 KrisFlyer Mile Air New Zealand 160 Altitude pts 1 Airpoints dollar Malaysia Airlines 2 Altitude pts 1 Enrich point Asia Miles 2 Altitude pts 1 Asia Mile Entertainment. Get some of the best seats in the house with advance bookings for movies and other big events. Financial Services. Use your Altitude points for annual fee rebates or to invest in your future. With BT Super for Life, you can turn your points into Superannuation dollars. 6 For more information, visit btsuperforlife.com.au or call (option 6). 4
7 Charities. Redeem your Altitude points to make a donation to some of your favourite charities, including Cancer Council Australia, Surf Lifesaving Australia and more. 7 To view the full range of Altitude Rewards including major charities, visit altituderewards.com.au Points Plus Pay. If you see something you want, but don t have enough Altitude points accrued, Points Plus Pay lets you use your Altitude points and make up the difference with payment by some other means. Pay the remaining reward cost using your Altitude credit card and you ll also earn Altitude points. 1 So you could earn Altitude points on the payment too! Using Points Plus Pay requires a minimum of 3,000 Altitude points and a $5 payment amount. Certain rewards are excluded from Points Plus Pay. For full details visit altituderewards.com.au Delivered to your door. When you redeem your Altitude points, vouchers will usually be dispatched within five business days, and products within 10 business days. Delivery charges may apply. You can use your Altitude points to cover the delivery cost. 8 How to redeem your points. Just visit altituderewards.com.au, or call the Altitude Rewards Centre on (option 3). 5
8 Don t miss out on the best rewards. Stay up to date with Altitude enewsletters. Subscribe to our Altitude enewsletter now to receive information on everything from program updates to Rewards, Travel & Bonus Partner offers, from month to month. Signing up is easy, simply visit altituderewards.com.au then choose the Rewards Account tab, click Update Account Details and select Yes, I would like to receive Altitude enewsletters. 6
9 Complimentary insurance covers. Enjoy a range of complimentary insurance covers in accordance with the Westpac Credit Cards Complimentary Insurance Policy. Overseas travel insurance. 2 Provides cover for you, your spouse and certain dependent children for overseas trips up to 3 months, where you each satisfy the eligibility conditions set out in the policy including pre-paid travel costs using your Altitude Platinum card prior to leaving Australia, plus: Unlimited cover for specified unexpected cancellation travel arrangements and other unexpected expenses. Unlimited cover for certain medical and hospital expenses you incur overseas subject to the policy. Up to $15,000 per person cover for accidental loss or damage to certain personal goods. Rental vehicle excess cover up to $5,000 in respect of loss or damage to rental vehicle. Purchase security insurance. 2 Provides 3 months cover for many new personal goods purchased on your Altitude Platinum card in accordance with the policy against loss, theft and accidental damage once you have taken possession of the goods. Extended warranty insurance. 2 Provides you an extension of up to 12 months in addition to the standard manufacturer s Australian warranty on certain new personal goods purchased on your Altitude Platinum card in accordance with the policy. Transit accident insurance. 2 Pay for your trip before you leave using your Altitude Platinum Card and we ll cover you up to $250,000 if you or eligible family members suffer serious injury or death while riding as a passenger on certain forms of transportation while travelling overseas, where you have purchased the tickets using your Altitude Platinum card. For claims or general enquiries, call our insurance provider Zurich direct on
10 Platinum Concierge. Your own personal assistant is available 24/7 worldwide to help you with anything from emergency travel assistance to purchasing show tickets, hotel and restaurant reservations, car hire and more. Call (option 5). 8
11 Exclusive privileges. As an Altitude Platinum cardholder, you can gain automatic membership to these exceptional programs and exclusive offers depending on which two cards you have. entré brought to you by American Express Open the door to a world of privilege, complete with special offers and travel and leisure possibilities. Your Altitude Platinum American Express Card is your key to enjoying special savings upgrades and amenities at luxury hotels, spas, resorts and offers on car rentals. Begin your journey by visiting entre.com/westpac Amexconnect.com.au Not only does your Altitude Platinum American Express Card earn you more points for every dollar spent on purchases, everyday, the card also allows you to access great offers from some of your favourite brands all year round at amexconnect.com.au You can also register for exclusive online promotions and competitions designed to help you get the most out of your card. Discover MasterCard Priceless Sydney It s Sydney, but as you ve never it seen before. MasterCard is proud to introduce Priceless Sydney. A unique collection of experiences curated for MasterCard cardholders. Go behind the scenes, into the VIP areas and mix in the circles of designers, directors and artists that make this city great. Treat yourself to dining, shopping and sporting opportunities to exciting hotel and entertainment offers. Whether you live in Sydney or are visiting, your next Sydney experience can now be a priceless one. Sign up and find out more at pricelesssydney.com.au 9
12 Visa Entertainment Never miss that special moment again as Visa opens the door to a world of entertainment. From concerts, musicals and films to sporting spectaculars, you ll get access to tickets first to some of the world s biggest events with your Altitude Platinum Visa card. Experience another side of your card and register for free at visaentertainment.com.au. Visa Platinum If there is an event or concert happening near you, we can get you up close and personal with front-section seats, or backstage to meet your favourite artists. Even for some sold out shows, the best seats in the house can be reserved for you. It is all possible with Visa Platinum. Visa Front Line Access, an exclusive service enables you to reserve tickets to some of the biggest concerts, hottest shows and most exciting sports events, before pre-sales and before they go on sale to the general public. So you are always guaranteed seats for you and your friends. It s simple, it s easy and it s all done by visiting visaplatinum.com.au and registering for Visa Front Line Access. 10
13 Contactless technology. a faster way to pay. Your new Altitude Platinum MasterCard or Altitude Platinum Visa Card comes equipped with the latest in contactless technology, giving you the freedom to be on the move faster. You don t need to swipe or insert your card, enter a PIN or sign for everyday purchases of $100 or less at participating merchants simply tap or hold your card against the contactless terminal and once the purchase is approved, you re on your way. Of course you can still swipe or insert your card at the terminal, you may just have to sign or enter your PIN. As well as the convenience of not having to always carry cash, you ll also be adding to your points balance every time you use your card to buy everyday items. The MasterCard and Visa Zero Liability policies protect you against any unauthorised purchase transactions completed over the phone, online or in stores provided you have complied with the terms of the policy. Visit westpac.com.au for details. To find out more about participating merchants and how it works, simply visit westpac.com.au/contactless 11
14 Added security with Westpac CardShield. Your Altitude Platinum cards are equipped with CardShield, a suite of security features that help guard you against fraudulent activity when making purchases with your cards, including online. Online transaction security guarantee you re not liable for the amount of any unauthorised online transaction on your card if you notify us of the transaction before the due date shown on the card account statement. So if you notice any irregularities, please notify us immediately. 24/7 Falcon protection this monitors every purchase transaction, then alerts Westpac s fraud specialists who ll contact you to verify payments if any suspicious activity occurs. Chip technology your MasterCard or Visa card features an embedded microchip, paving the way for increased credit card security. 12
15 Getting the most from your cards. Up to 45 days interest-free on purchases. You could enjoy up to 45 days interest-free on your card purchases when your closing balance (including the balance transfer amount or other promotional amount) is paid in full by the statement due date each month. ATM withdrawals and your PIN. Use your Altitude Platinum Visa Card or Altitude Platinum MasterCard to get a cash advance from ATMs around the world using your Personal Identification Number (PIN) (Fees apply). If you can t remember your PIN, or need a new one, just call us on and we ll send you one immediately. If you want to change your PIN, just visit your local Westpac branch with identification. Know your PIN if you re travelling overseas. Some countries will request a PIN for credit card purchases, so we strongly recommend you memorise your PIN if you are travelling overseas. Additional cardholder. Get an additional Altitude Platinum American Express Card and Altitude Platinum Visa Card or Altitude Platinum MasterCard linked to your account, for your partner or family member aged 16 or over, at no extra cost. Every time they use their Altitude Platinum cards on purchases, you could earn points 1. Visit westpac.com.au for an application form and details. All points remain the benefit of the primary cardholder. Changing your credit limit. If you need to change your credit limit, simply call us on Credit limit increase applications are subject to Westpac s lending criteria. Credit Card Repayment Protection. 9 This optional insurance (available to eligible cardholders) helps cover your credit card repayments if you lose your job, contract a sickness or disease, or sustain an injury and aren t able to work in certain circumstances. For more information call or visit westpac.com.au 13
16 One card banking. For extra convenience, you can link your Altitude Platinum Visa Card or Altitude Platinum MasterCard to your Westpac transaction account by calling us on You can then access your transaction account using your credit card by pressing cheque or savings. Never forget a payment, use free Card Autopay. If you find yourself struggling to remember to pay your credit card on time, you can have greater peace of mind with Card Autopay. It s a free service that automatically pays a nominated amount to your card monthly from funds in your specified account. You can choose to pay the full balance, a percentage of the balance or a set amount. To apply for Card Autopay, call us on or download the application form from westpac.com.au 14
17 Day to day service. Telephone Banking available 24/7. Use your card account to pay bills, check your account or transaction details, transfer funds between Westpac accounts or request a statement any time, day or night. To register, call (option 2). Westpac Online Banking your account online. Manage your account, view your transactions, transfer funds between Westpac accounts, pay bills by Bpay, and print your last seven years statements for free 24 hours a day. To register, call hour Platinum service. Get assistance on queries about your cards whenever you need it. Simply call toll free from anywhere in Australia, or reverse charges to from overseas. Your payment options. Choose from a range of payment options that suit you: Telephone or Online Banking Transfer funds from Westpac accounts. ATMs Transfer funds from a linked Westpac account. Bpay Make Bpay payments to your Westpac credit card account. Mail Post your statement slip and cheque to: Cards, GPO Box 4220, Sydney NSW In person Just drop in to any Westpac branch. Card Autopay The most convenient way to make your repayments automatically from most transaction accounts. See page 13 for details. Lost or stolen cards. If your cards are lost or stolen, please notify us immediately so we can stop all transactions on your account. We ll aim to get you a replacement within two working days. While in Australia, call While overseas, call (reverse charge). You also have access to an Emergency Cash Advance subject to your available credit limit and to your credit card account being in good standing. 15
18 Things you should know. Information current as at 21 October Fees and charges are payable. Terms and conditions available on request. General advice on this document has been prepared without taking into account your objectives, financial situation or needs. Before acting on the advice, consider its appropriateness. 1. The earning and redemption of Altitude points is subject to the Altitude Rewards Terms and Conditions. Altitude Points are not earned on cash advances. You do not receive points if your card account is in arrears for two consecutive card statement cycles. You are not entitled to points in other circumstances see the Altitude Rewards Terms and Conditions. You must have earned a minimum of 3,000 points before you can redeem for any rewards. Altitude points do not expire, as long as you remain an Altitude cardholder unless the rewards program is terminated. 2. Zurich Australian Insurance Limited ABN AFSL (Zurich) issues complimentary insurance covers to Westpac Banking Corporation under separate Master Policies and is liable for the risks insured. Terms, conditions, exclusions and limits apply. No Westpac Group company has any liability in connection with the insurance policies. Policy wording may be obtained by calling or from westpac.com.au 3. Only Australian Bonus Partner outlets apply unless stated otherwise. 4. Altitude Travel is operated by Pinpoint Travel Group Pty. Ltd. Licence No. 2TA Blackout dates may apply to the offers. Offers may vary according to itinerary options, currency fluctuations and taxes at the time of booking. Altitude Travel charges a 2% credit card usage fee. This fee is correct as at 6 November 2012 and is subject to change. For validity dates, full itinerary details, conditions and all other enquiries visit the Altitude Rewards website or call Altitude Travel on You must be a member of the relevant frequent flyer program to redeem Altitude points for frequent flyer points. Award seats are subject to capacity controls. A joining fee may apply. The terms and conditions of the relevant frequent flyer programs apply. You must redeem a minimum of 3,000 points with additional increments in multiples of 500 points at a time for frequent flyer points. 6. BT Funds Management Limited (ABN ) is the trustee of BT Super for Life which is a part of Retirement Wrap (ABN , RSE R ) and is the issuer of interests in BT Super for Life. The Product Disclosure Statement (PDS) can be obtained by calling or visiting You should obtain and consider the PDS before deciding whether to acquire, continue to hold or dispose of interests in BT Super for Life. 16
19 7. Refer to the Altitude Rewards website at altituderewards.com.au for a list of current charities and relevant minimum points requirements for donations. 8. Our delivery charges can either be debited to your Altitude card account or if you prefer you can nominate to use your points to cover delivery charges. You will be notified before dispatch of your redemption if excess delivery charges apply because of your geographical location. 9. Credit Card Repayment Protection is issued by Westpac General Insurance Limited ABN (WGIL) and Westpac Life Insurance Services Limited ABN (WLIS) each of which is liable for separate risks under the terms of the policy. This insurance product is distributed by Westpac Banking Corporation ABN (the Bank). The policy is not an investment in or deposit with the Bank. No Westpac Group company (other than the Bank as policy distributor and WGIL and WLIS as the product issuers) has any liability in connection with the policy or this document. The Bank does not guarantee payments under the policy. ipad is a registered trademark of Apple. Inc. Bpay is a registered trademark of Bpay Pty Ltd ABN American Express is a trademark of American Express. This card is issued by Westpac Banking Corporation pursuant to a license from American Express. MasterCard and the MasterCard brandmark are registered trademarks of MasterCard International Incorporated. PayPass and Tap & Go are trademarks of MasterCard International Incorporated. Westpac Banking Corporation ABN AFSL and Australian credit licence
20 Contact us. Platinum Priority Service Line (from Australia) (from overseas) Telephone Banking: option 2 Altitude Rewards Centre: option 3 or visit altituderewards.com.au Altitude Travel Service: option 4 Platinum Concierge: option 5 BT Financial Services: option 6 or visit btsuperforlife.com.au Westpac General Information. westpac.com.au Online Banking or visit westpac.com.au Credit Card Repayment Protection Insurance Westpac Credit Cards Complimentary Insurance. (Zurich Australia Insurance Limited) American Express Emergency Travel Assistance MasterCard Global Service MasterCard (from the United States) (from outside the United States) Visa Global Customer Assistance (from the United States) (from outside the United States) AGB016 (11/12)
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