{ "snapshot_at": "2026-10-30T00:01:21Z", "brand": "Westpac", "brand_slug": "westpac", "product_id": "CCAltBusGold", "cdr_url": "https://digital-api.westpac.com.au/cds-au/v1/banking/products/CCAltBusGold", "x_v": 7, "how_to_fetch": "curl -H 'x-v: 7' 'https://digital-api.westpac.com.au/cds-au/v1/banking/products/CCAltBusGold'", "note": "Verbatim `data` object of the bank's CDR product detail response, as fetched. The live endpoint needs the x-v header shown in how_to_fetch and will not open in a browser.", "data": { "productId": "CCAltBusGold", "lastUpdated": "2026-10-29T02:41:55Z", "productCategory": "CRED_AND_CHRG_CARDS", "name": "Altitude Business Gold", "description": "Receive flexible rewards points for eligible purchases and tax payments, plus complimentary insurance.", "brand": "Westpac", "brandName": "Westpac", "isTailored": false, "additionalInformation": { "overviewUri": "https://www.westpac.com.au/business-banking/credit-cards/rewards-cards/altitude-gold/", "termsUri": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/bb/Altitude_Business_Conditions_Use.pdf", "eligibilityUri": "https://www.westpac.com.au/business-banking/credit-cards/rewards-cards/altitude-gold/", "feesAndPricingUri": "https://www.westpac.com.au/business-banking/credit-cards/rewards-cards/altitude-gold/" }, "cardArt": [ { "cardScheme": "VISA", "cardType": "CREDIT", "title": "Altitude Business Gold", "imageUri": "https://www.westpac.com.au/content/dam/public/wbc/images/business/credit-cards/wbc_fc_b_credit-cards_alt-business-gold-visa_232x146.png" } ], "features": [ { "featureType": "ADDITIONAL_CARDS", "additionalValue": "1", "additionalInfo": "Make everyday payments easier and earn reward points faster with an additional card ? with no additional card fee." }, { "featureType": "INTEREST_FREE", "additionalValue": "P55D", "additionalInfo": "Up to 55 interest free days on purchases when you pay off your closing balance in full by the due date shown on your statement each month." }, { "featureType": "DIGITAL_WALLET", "additionalValue": "Garmin Pay", "additionalInfo": "Tap and pay quickly and easily using Garmin Pay.", "additionalInfoUri": "https://www.westpac.com.au/personal-banking/mobile-wallets/" }, { "featureType": "DIGITAL_WALLET", "additionalValue": "Apple Pay", "additionalInfo": "Tap and pay quickly and easily using Apple Pay.", "additionalInfoUri": "https://www.westpac.com.au/personal-banking/mobile-wallets/" }, { "featureType": "DIGITAL_WALLET", "additionalValue": "Google Pay", "additionalInfo": "Tap and pay quickly and easily using Google Pay.", "additionalInfoUri": "https://www.westpac.com.au/personal-banking/mobile-wallets/" }, { "featureType": "DIGITAL_WALLET", "additionalValue": "Samsung Pay", "additionalInfo": "Tap and pay quickly and easily using Samsung Pay.", "additionalInfoUri": "https://www.westpac.com.au/personal-banking/mobile-wallets/" }, { "featureType": "OTHER", "additionalInfo": "Click to Pay - Online shopping made quick, simple and secure with Click to Pay.", "additionalInfoUri": "https://www.westpac.com.au/personal-banking/mobile-wallets/click-to-pay/" }, { "featureType": "DIGITAL_BANKING", "additionalInfo": "Digital Card - Unlock extra protection using the dynamic CVC on your digital Westpac debit or credit card. Add it to your digital wallet or use it", "additionalInfoUri": "https://www.westpac.com.au/personal-banking/mobile-wallets/" }, { "featureType": "NOTIFICATIONS", "additionalValue": "Know what to pay when - Set up Card Autopay or SMS payment reminders so you can stay on top of your spend and repayments." }, { "featureType": "LOYALTY_PROGRAM", "additionalValue": "Altitude Rewards", "additionalInfo": "For every $1 spent on eligible purchases with an Altitude Business Gold credit card, you will earn Altitude Business Reward Points as follows: International merchants: 1.5, Australian merchants: 1.5, Government payments: 0.5: Reward Points earn per statement cycle up to 20,000. Altitude Reward Points do not expire while your account is open. To understand more about the Altitude Business Rewards program please refer to T&Cs.", "additionalInfoUri": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/bb/Altitude_Business_Rewards_T-C.pdf" }, { "featureType": "INSURANCE", "additionalValue": "Complimentary insurance", "additionalInfo": "Travel knowing that you, your family, your business and your possessions may be covered against injury, loss, theft or damage in accordance with the policy (conditions, limits and exclusions apply).", "additionalInfoUri": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/bb/businesscards_complimentaryinsurancepolicy.pdf" }, { "featureType": "INSURANCE", "additionalValue": "International Travel insurance", "additionalInfo": "International Travel insurance (includes your spouse and certain dependent children) for up to 3 months when you meet the eligibility criteria as set out in the Credit Card Complimentary Insurance Policy.", "additionalInfoUri": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/bb/businesscards_complimentaryinsurancepolicy.pdf" }, { "featureType": "OTHER", "additionalInfo": "Make shopping and ordering online even more safe and secure with Westpac My Merchants. Westpac My Merchants lets you shop and order online without needing to share your card details, because your card number is replaced with a unique identification code called a 'digital token'. This digital token, which won't contain your personal information and is used by the merchant instead of your card number, helping protect you online.", "additionalInfoUri": "https://www.westpac.com.au/personal-banking/mobile-wallets/my-merchants/" }, { "featureType": "INSURANCE", "additionalValue": "Interstate Flight Inconvenience insurance", "additionalInfo": "Access to Interstate Flight Inconvenience Insurance and Rental Vehicle Excess in Australia cover, up to 3 months complimentary cover for international travel insurance, plus extended warranty, purchase protection for up to 4 months and overseas transit accident insurance. (terms, conditions, exclusions and eligibility criteria apply).", "additionalInfoUri": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/bb/businesscards_complimentaryinsurancepolicy.pdf" }, { "featureType": "INSURANCE", "additionalValue": "Overseas Transit Accident insurance", "additionalInfo": "Protection against specified accidental death or injury when sustained while riding as a passenger in a plane, bus, train or ferry when you have purchased the tickets for the entire trip using your Credit Card before you leave (terms, conditions, exclusions and eligibility criteria apply).", "additionalInfoUri": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/bb/businesscards_complimentaryinsurancepolicy.pdf" }, { "featureType": "INSURANCE", "additionalValue": "Purchase Protection insurance", "additionalInfo": "Access to up to 4 months Purchase Protection Insurance on eligible purchases, as set out in the Credit Card Complimentary Insurance Policy (terms, conditions, exclusions and eligibility criteria apply).", "additionalInfoUri": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/bb/businesscards_complimentaryinsurancepolicy.pdf" }, { "featureType": "INSURANCE", "additionalValue": "Extended Warranty insurance", "additionalInfo": "Up to 24 months extended warranty insurance cover (in addition to the manufacturer's expressed Australian warranty) on a range of personal items purchased using your Credit Card and up to 3 months on Business items (terms, conditions, exclusions and eligibility criteria apply).", "additionalInfoUri": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/bb/businesscards_complimentaryinsurancepolicy.pdf" }, { "featureType": "INSURANCE", "additionalValue": "Account holder's Unauthorised Transaction insurance", "additionalInfo": "Account holder's Unauthorised Transaction insurance - receive automatic protection (up to $20,000 per cardholder and $150,000 per account holder) against unauthorised transactions made by cardholders in a 12 month period (if you are the principal and the account holder of the card)", "additionalInfoUri": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/bb/businesscards_complimentaryinsurancepolicy.pdf" }, { "featureType": "FRAUD_PROTECTION", "additionalInfo": "Westpac Fraud Money Back Guarantee ensures that any unauthorised transaction claims will be reimbursed provided that the cardholder has not contributed to the loss and contacted us promptly. Refer to the Altitude Business Credit Cards Conditions of Use for full details of when cardholders may be liable." }, { "featureType": "FRAUD_PROTECTION", "additionalInfo": "The product includes FRAUD_PROTECTION features." }, { "featureType": "RELATIONSHIP_MANAGEMENT", "additionalInfo": "RELATIONSHIP_MANAGEMENT is available for eligible customers." }, { "featureType": "EXTRA_REPAYMENTS", "additionalInfo": "The product has EXTRA_REPAYMENTS option available." }, { "featureType": "OTHER", "additionalInfo": "Special offers - $0 annual card fee for one year. We understand that every dollar counts when you're launching a business. That's why we're offering to help your business get started with a $150 saving. New Altitude Business Gold credit cards will have the first-year annual card fee waived ? which means you pay $0 in year one. T&C and credit criteria apply." }, { "featureType": "OTHER", "additionalInfo": "A statement for the Card Account will be issued each month to the Primary Cardholder" }, { "featureType": "OTHER", "additionalInfo": "Card Autopay Facility: You may authorise us to automatically withdraw funds from your nominated account to make payments to the Card Account using a Card Autopay facility. You may elect to pay: The minimum payment shown on the Card Account Statement, or the full amount shown as the 'closing balance' on the Card Account Statement, or, A fixed dollar or percentage of the closing balance on the Card Account Statement" }, { "featureType": "OTHER", "additionalInfo": "The minimum payment that we require from you (being the Primary Cardholder) each month will be shown on the Card Account statement. Your payment due date is 25 days from your statement date. Please refer T&C document for more details about the minimum payment required." }, { "featureType": "OTHER", "additionalInfo": "If you have obtained your Card Account by switching from a Westpac consumer credit card to which Credit Card Repayment Protection applied, your Credit Card Repayment Protection policy will continue to apply (unless cancelled by you) to your new card account subject to condition. Please refer T&C document for more details." }, { "featureType": "OTHER", "additionalInfo": "Gambling Preference Request: For a Card Account, a Primary Cardholder can request us to decline transaction authorisation requests that we receive and that we are able to recognise as an authorisation request for a gambling transaction. A Primary Cardholder can make such a request (a ?Gambling Preference Request?) by calling us or by another means offered by us from time to time." }, { "featureType": "OTHER", "additionalInfo": "Helping support your business - Complimentary Insurances3 has a range of cover benefits available including Unauthorised Transaction Insurance and travel insurance options.", "additionalInfoUri": "https://www.westpac.com.au/business-banking/credit-cards/manage/travelling-overseas-insurance/insurance-cover/" }, { "featureType": "OTHER", "additionalInfo": "Business Money Tools - Tracking expenses, personalised transaction category tagging and cash flow insight tools are designed to save you time on business admin.", "additionalInfoUri": "https://www.westpac.com.au/business-banking/online-banking/business-money-tools/" }, { "featureType": "OTHER", "additionalInfo": "Minimum payment: The greater of 3% of the closing balance (rounded up to the nearest dollar) or $10, plus the greater of any unpaid past due amount or any amount exceeding the credit limit." } ], "constraints": [ { "constraintType": "MIN_LIMIT", "additionalValue": "1000.00" }, { "constraintType": "MAX_LIMIT", "additionalValue": "80000.00" } ], "eligibility": [ { "eligibilityType": "MIN_AGE", "additionalValue": "18", "additionalInfo": "18+ years old" }, { "eligibilityType": "RESIDENCY_STATUS", "additionalValue": "Primary applicant must be a permanent resident or Australian citizen" }, { "eligibilityType": "BUSINESS", "additionalInfo": "Your Business must be registered in Australia" }, { "eligibilityType": "BUSINESS", "additionalInfo": "You have a minimum 2 years experience in the same or similar business" }, { "eligibilityType": "MIN_TURNOVER", "additionalValue": "30000.00", "additionalInfo": "Earn a minimum $30,000 per annum" } ], "fees": [ { "name": "Card Fee", "feeType": "PERIODIC", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "150.00" }, "additionalValue": "P1Y", "additionalInfo": "Per account.", "discounts": [ { "description": "Card Fee Waiver", "discountType": "ELIGIBILITY_ONLY", "discountMethodUType": "fixedAmount", "fixedAmount": { "amount": "150.00" }, "eligibility": [ { "discountEligibilityType": "INTRODUCTORY", "additionalValue": "P12M", "additionalInfo": "First year Card Fee waiver. The first-year annual Card Fee waiver is available when you apply and are approved for a new Altitude Business Gold. The first annual Card Fee that will be charged will be on the 12-month anniversary of the first transaction made on your account, and annually thereafter. This offer is not available in conjunction with any other special offers and may be varied or withdrawn at any time." } ] } ] }, { "name": "Foreign Transaction Fee", "feeType": "TRANSACTION", "feeMethodUType": "rateBased", "rateBased": { "rateType": "TRANSACTION", "rate": "0.03" }, "additionalInfo": "Payable as a percentage of the Australian dollar value of any foreign transaction. Applies for transactions in a foreign currency, or in Australian dollars but processed by an overseas merchant or financial institution. Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia." }, { "name": "Cash Advance Fee", "feeType": "CASH_ADVANCE", "feeMethodUType": "rateBased", "rateBased": { "rateType": "TRANSACTION", "rate": "0.03" } }, { "name": "Missed Payment Fee", "feeType": "LATE_PAYMENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "0.00" }, "additionalValue": "30", "additionalInfo": "No Missed Payment fee will be charged for business credit card accounts opened on or after 22 November 2021. May be payable each statement cycle that the whole of the minimum monthly payment is not paid by the statement due date. If charged, the missed payment charge will be debited to your account." }, { "name": "Account Keeping Fee", "feeType": "PERIODIC", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "0.00" }, "additionalValue": "P1M" }, { "name": "Overseas ATM cash withdrawals (partner)", "feeType": "TRANSACTION", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "0.00" } }, { "name": "Overlimit Fee", "feeType": "EVENT", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "0.00" }, "additionalInfo": "$15.00 once per statement period if your credit card account was opened before 21 November 2021. No Overlimit fee will be charged for business credit card accounts opened on or after 22 November 2021. May be debited from your credit card account every time you exceed your credit limit during a statement cycle. It is debited from your account in that statement cycle, on or after the day(s) your credit limit is exceeded. This fee may also be charged whenever your account is over limit at the commencement of a statement cycle." }, { "name": "Data Feed Fee", "feeType": "PERIODIC", "feeMethodUType": "fixedAmount", "fixedAmount": { "amount": "5.00" }, "additionalValue": "P1M", "additionalInfo": "Customers opting in for Data feeds will be charged a monthly fee of $5.00 per Card (up to a maximum of $50 per facility per month) applies when the facility is enrolled in Business Credit Card Data Feeds. The fee will be charged at the end of each statement cycle. Please refer to T&C for more information." } ], "lendingRates": [ { "lendingRateType": "PURCHASE", "rate": "0.2024", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "OTHER", "loanPurpose": "OTHER", "applicabilityConditions": [ { "rateApplicabilityType": "OTHER", "additionalInfo": "Charged to purchase balances where full closing balance is not paid by due date" } ], "additionalInfo": "Interest on purchases" }, { "lendingRateType": "CASH_ADVANCE", "rate": "0.2074", "calculationFrequency": "P1D", "applicationType": "PERIODIC", "applicationFrequency": "P1M", "interestPaymentDue": "IN_ARREARS", "repaymentType": "OTHER", "loanPurpose": "OTHER", "applicabilityConditions": [ { "rateApplicabilityType": "OTHER", "additionalInfo": "Applied to any amount of 'cash' withdrawn from account. (includes physical cash and transfer from account)" } ], "additionalInfo": "Interest on cash advances" } ] } }