{ "brand": "Westpac", "brand_label": "Westpac", "brand_slug": "westpac", "legal_entity_abn": "33007457141", "public_base_uri": "https://digital-api.westpac.com.au", "logo_uri": "https://banking.westpac.com.au/wbc/banking/Themes/Default/Desktop/WBC/Core/Images/logo_white_bg.png.ce5c4c19ec61b56796f0e218fc8329c558421fd8.png", "status": "ok", "stale": false, "bank_last_updated": "2026-10-29T02:41:55Z", "at_a_glance": { "note": "This bank's entry per customer segment (personal, business) and ranking kind (low_rate, no_annual_fee, balance_transfer, rewards), one line each: its card in the best/{segment}/{kind}.json slice (student cards, companion cards and occupation-limited lenders left out, as there), so it matches best/ and top/; a bank with no entry there for a segment and kind takes its entry from entries_all. conditions is a key into condition_sets. unranked counts the cards no slice ranks, by reason. Every card follows in products and rows.", "rates": [ {"segment":"personal","kind":"low_rate","rank":6,"of":52,"product_label":"Lite Card","card_type":"credit","purchase_rate_pct":9.9,"annual_fee":108.0,"fee_period":"monthly","annual_fee_stated":true,"interest_free_days":45,"min_credit_limit":1000.0,"max_credit_limit":20000.0,"bt_promo_rate_pct":null,"bt_promo_months":null,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":null,"conditions":"k1","restrictions":[],"record_stale":false}, {"segment":"personal","kind":"balance_transfer","rank":8,"of":22,"product_label":"Low Rate Card","card_type":"credit","purchase_rate_pct":13.74,"annual_fee":84.0,"fee_period":"monthly","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":500.0,"max_credit_limit":50000.0,"bt_promo_rate_pct":0.0,"bt_promo_months":20,"bt_fee_pct":3.0,"bt_revert_rate_pct":21.99,"rewards_program":null,"conditions":"k2","restrictions":[],"record_stale":false}, {"segment":"personal","kind":"rewards","rank":21,"of":24,"product_label":"Altitude Rewards Platinum","card_type":"credit","purchase_rate_pct":23.98,"annual_fee":175.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":45,"min_credit_limit":3000.0,"max_credit_limit":50000.0,"bt_promo_rate_pct":null,"bt_promo_months":null,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":"Altitude Rewards","conditions":"k3","restrictions":[],"record_stale":false}, {"segment":"business","kind":"low_rate","rank":11,"of":13,"product_label":"BusinessChoice Everyday","card_type":"credit","purchase_rate_pct":14.25,"annual_fee":75.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":2000.0,"max_credit_limit":250000.0,"bt_promo_rate_pct":null,"bt_promo_months":null,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":null,"conditions":"k4","restrictions":[],"record_stale":false}, {"segment":"business","kind":"rewards","rank":6,"of":9,"product_label":"Altitude Business Gold","card_type":"credit","purchase_rate_pct":20.24,"annual_fee":150.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":1000.0,"max_credit_limit":80000.0,"bt_promo_rate_pct":null,"bt_promo_months":null,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":"Altitude Rewards","conditions":"k5","restrictions":[],"record_stale":false} ], "condition_sets": { "k1": [ "credit limit $1,000 to $20,000", "minimum income $30,000 a year", "Customer having a regular, verifiable Australian taxable income.", "Customer having a fixed, verifiable residential address in Australia.", "cash advances not available", "balance transfers not available", "from 30 November 2026: purchase rate 9.90% to 11.99%, card fee $9 to $10 a month, minimum payment 2.5% or $25", "card fee rises to $10 a month from 30 November 2026" ], "k2": [ "0.00% on balance transfers for 20 months, 3% transfer fee, then 21.99% (the cash advance rate); new cards", "the first-year fee waiver in the feed is for the bank's existing customers only", "credit limit $500 to $50,000", "minimum income $30,000 a year", "Customer having a regular, verifiable Australian taxable income.", "Customer having a fixed, verifiable residential address in Australia.", "offers for new cards only; not if you held any Westpac credit card in the last 24 months", "card fee waived in the first year with the new-card cashback offer", "$450 cashback: $75 for each month with $1,000+ spend in the first 6 months", "from 30 November 2026: purchase rate 13.74% to 14.99%, cash advance rate 21.99% to 24.24%, minimum payment 2.5% or $25" ], "k3": [ "credit limit $3,000 to $50,000", "rewards programme fee $75 a year on top of the card fee", "minimum income $30,000 a year", "Customer having a regular, verifiable Australian taxable income.", "Customer having a fixed, verifiable residential address in Australia.", "offers for new cards only; not if you held an Altitude Platinum or Black card in the last 24 months", "earn falls to 0.5 Altitude Points per $1 once $5,000 is spent in a statement cycle", "$99 card fee in the first year for a new card ($49 for existing Westpac customers), then $175", "existing Westpac customers: $49 card fee in the first year" ], "k4": [ "credit limit $2,000 to $250,000", "business: Your Business must be registered in Australia and for GST", "business: ABN must be registered for at least 12 months", "$75 card fee per card, waived the next year on each card that spends $15,000 or more (year to 30 June)", "card fee waived the following year on a card with $15,000+ spend" ], "k5": [ "no card fee in the first year, as the feed's discount states", "credit limit $1,000 to $80,000", "business: Your Business must be registered in Australia", "business: You have a minimum 2 years experience in the same or similar business", "min turnover: Earn a minimum $30,000 per annum: 30000.00", "points capped at 20,000 per statement cycle across the card and additional card; 3,000 minimum to redeem", "first card fee charged 12 months after the first transaction (first year waived for a new card)" ] }, "unranked": { "products": 0 } }, "source": "Consumer Data Right Product Reference Data APIs (public, unauthenticated), credit and charge cards category", "licence_note": "Rates and fees are published by each bank under the Consumer Data Right as public Product Reference Data and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates, fees and offers change without notice; promotional balance transfer and purchase rates end after their months; check the bank's page before acting. This is not financial advice.", "products": [ { "product_id": "CCAltBlackRewards", "product_name": "Altitude Black Rewards World Mastercard", "product_label": "Altitude Black Rewards World Mastercard", "product_slug": "altitude-black-rewards-world-mastercard", "page": "/au/finance/credit-cards/cards/westpac/altitude-black-rewards-world-mastercard/", "product_url": "https://www.westpac.com.au/credit-cards/reward/altitude-rewards-black?fid=cp:salob:concc:pc:cta2", "terms_url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-credit-card-terms-and-conditions.pdf", "fees_url": "https://www.westpac.com.au/credit-cards/reward/altitude-rewards-black?fid=cp:salob:concc:pc:cta2", "eligibility_url": "https://www.westpac.com.au/credit-cards/reward/altitude-black", "card_type": "credit", "scheme": "mastercard", "tier": "black", "segments": [ "personal" ], "segment": "personal", "description": "Our premium Altitude Rewards credit card gets you our highest Points earn rate, flexibility in how you redeem with Pay with Points, complimentary airport lounge access, insurances and more.", "purchase_rate_pct": 23.98, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "purchase_rate_note": "Interest on purchases", "cash_advance_rate_pct": 23.99, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 45, "annual_fee": 295.0, "fee_period": "annual", "fee_as_stated": 295.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "Annual Card Fee", "fee_offers": [ "Reduced First year Card Fee - New", "Existing Reduced First year Card Fee" ], "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": 3.5, "cash_advance_fee": null, "late_payment_fee": 20.0, "additional_cardholder_fee": null, "balance_transfer": null, "rewards_program": "Altitude Rewards", "rewards_programs": [ "Altitude Rewards" ], "rewards_program_fee": 75.0, "bonus_offer": "150000 Get up to 150,000 bonus Altitude Rewards Points - 90,000 Rewards Points in year 1 if you spend $9k+ on eligible purchases within 90 days of new card approval and an extra 60,000 points with $9k+ spend on eligible purchases within 90 days of card anniversary in year 2. Offer not available if…", "cashback_offer": null, "insurances": [ "Complimentary insurance", "Complimentary travel insurances" ], "digital_wallets": [ "Garmin Pay", "Apple Pay", "Google Pay", "Samsung Pay" ], "instalment_plan": true, "additional_cards": 1, "additional_cards_offered": true, "min_credit_limit": 6000.0, "max_credit_limit": 75000.0, "min_income": 75000.0, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "credit limit $6,000 to $75,000", "rewards programme fee $75 a year on top of the card fee", "minimum income $75,000 a year", "Customer having a regular, verifiable Australian taxable income.", "Customer having a fixed, verifiable residential address in Australia.", "offers for new cards only; not if you held an Altitude Platinum or Black card in the last 24 months", "earn falls to 0.5 Altitude Points per $1 once $10,000 is spent in a statement cycle", "$200 card fee in the first year for a new card, then $295; $75 rewards fee still applies", "existing Westpac customers: $149 card fee in the first year" ], "eligibility": [ "Customer having a regular, verifiable Australian taxable income.", "Customer having a fixed, verifiable residential address in Australia." ], "ranked": true, "unranked_reason": null, "rankings": [], "source_kind": "feed", "record_stale": false, "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/CCAltBlackRewards", "source_snapshot": "/au/finance/credit-cards/v1/source/westpac/CCAltBlackRewards.json", "snapshot_at": "2026-10-30T00:01:21Z", "bank_last_updated": "2026-10-29T02:41:55Z", "key_facts_sheet_url": "https://www.westpac.com.au/credit-cards/credit-cards-fact-sheet", "document_links_source": { "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "from_issuer_page": null }, { "product_id": "CCAltBusGold", "product_name": "Altitude Business Gold", "product_label": "Altitude Business Gold", "product_slug": "altitude-business-gold", "page": "/au/finance/credit-cards/cards/westpac/altitude-business-gold/", "product_url": "https://www.westpac.com.au/business-banking/credit-cards/rewards-cards/altitude-gold/", "terms_url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/bb/Altitude_Business_Conditions_Use.pdf", "fees_url": "https://www.westpac.com.au/business-banking/credit-cards/rewards-cards/altitude-gold/", "eligibility_url": "https://www.westpac.com.au/business-banking/credit-cards/rewards-cards/altitude-gold/", "card_type": "credit", "scheme": "visa", "tier": "gold", "segments": [ "business" ], "segment": "business", "description": "Receive flexible rewards points for eligible purchases and tax payments, plus complimentary insurance.", "purchase_rate_pct": 20.24, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "purchase_rate_note": "Interest on purchases", "cash_advance_rate_pct": 20.74, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 150.0, "fee_period": "annual", "fee_as_stated": 150.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "Card Fee", "fee_offers": [ "Card Fee Waiver" ], "first_year_fee_waived": true, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": 3.0, "cash_advance_fee": null, "late_payment_fee": 0.0, "additional_cardholder_fee": null, "balance_transfer": null, "rewards_program": "Altitude Rewards", "rewards_programs": [ "Altitude Rewards" ], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "insurances": [ "Complimentary insurance", "International Travel insurance", "Interstate Flight Inconvenience insurance", "Overseas Transit Accident insurance", "Purchase Protection insurance", "Extended Warranty insurance", "Account holder's Unauthorised Transaction insurance" ], "digital_wallets": [ "Garmin Pay", "Apple Pay", "Google Pay", "Samsung Pay" ], "instalment_plan": false, "additional_cards": 1, "additional_cards_offered": true, "min_credit_limit": 1000.0, "max_credit_limit": 80000.0, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "no card fee in the first year, as the feed's discount states", "credit limit $1,000 to $80,000", "business: Your Business must be registered in Australia", "business: You have a minimum 2 years experience in the same or similar business", "min turnover: Earn a minimum $30,000 per annum: 30000.00", "points capped at 20,000 per statement cycle across the card and additional card; 3,000 minimum to redeem", "first card fee charged 12 months after the first transaction (first year waived for a new card)" ], "eligibility": [ "business: Your Business must be registered in Australia", "business: You have a minimum 2 years experience in the same or similar business", "min turnover: Earn a minimum $30,000 per annum: 30000.00" ], "ranked": true, "unranked_reason": null, "rankings": [ { "segment": "business", "kind": "rewards", "rank": 6, "of": 9, "hidden_by_default": null } ], "source_kind": "feed", "record_stale": false, "source_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/CCAltBusGold", "source_snapshot": "/au/finance/credit-cards/v1/source/westpac/CCAltBusGold.json", "snapshot_at": "2026-10-30T00:01:21Z", "bank_last_updated": "2026-10-29T02:41:55Z", "from_issuer_page": null }, { "product_id": "CCAltBusPlat", "product_name": "Altitude Business Platinum", "product_label": "Altitude Business Platinum", "product_slug": "altitude-business-platinum", "page": "/au/finance/credit-cards/cards/westpac/altitude-business-platinum/", "product_url": "https://www.westpac.com.au/business-banking/credit-cards/rewards-cards/altitude-platinum/", "terms_url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/bb/Altitude_Business_Conditions_Use.pdf", "fees_url": "https://www.westpac.com.au/business-banking/credit-cards/rewards-cards/altitude-platinum/", "eligibility_url": "https://www.westpac.com.au/business-banking/credit-cards/rewards-cards/altitude-platinum/", "card_type": "credit", "scheme": "visa", "tier": "platinum", "segments": [ "business" ], "segment": "business", "description": "Get uncapped rewards points for eligible purchases and tax payments, plus complimentary extended insurance.", "purchase_rate_pct": 20.24, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "purchase_rate_note": "Interest on purchases", "cash_advance_rate_pct": 20.74, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 200.0, "fee_period": "annual", "fee_as_stated": 200.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "Card Fee", "fee_offers": [ "Card Fee Waiver - New Customers" ], "first_year_fee_waived": true, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": 3.0, "cash_advance_fee": null, "late_payment_fee": 0.0, "additional_cardholder_fee": null, "balance_transfer": null, "rewards_program": "Altitude Rewards", "rewards_programs": [ "Altitude Rewards" ], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "insurances": [ "Complimentary insurance", "International Travel insurance", "Interstate Flight Inconvenience insurance", "Overseas Transit Accident insurance", "Purchase Protection insurance", "Extended Warranty insurance", "Account holder's Unauthorised Transaction insurance" ], "digital_wallets": [ "Garmin Pay", "Apple Pay", "Google Pay", "Samsung Pay" ], "instalment_plan": false, "additional_cards": 1, "additional_cards_offered": true, "min_credit_limit": 5000.0, "max_credit_limit": 150000.0, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "no card fee in the first year, as the feed's discount states", "credit limit $5,000 to $150,000", "business: Your Business must be registered in Australia", "business: You have a minimum 2 years experience in the same or similar business", "uncapped; 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