Altitude Business Gold Visa Card. spend on your business, reward yourself. movers & shakers Proudly supported by Westpac

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1 Altitude Business Gold Visa Card spend on your business, reward yourself movers & shakers Proudly supported by Westpac

2 Welcome to a great way to earn rewards Now that your Altitude Business Gold Credit Cards have arrived, you can start earning points on credit purchases to redeem for a wide range of premium rewards. All the details are set out in the Altitude Business Rewards Terms and Conditions. Enjoy a wide range of Westpac Business Gold Card complimentary insurance covers whenever you use your card to pay for selected travel, car rental or shopping in accordance with the policy 1. This booklet gives you important information about your Altitude Business Gold Credit Cards, so keep it safe for future reference. In this brochure Two cards, one account 1 Earning bonus Altitude points 2 Altitude Travel 2 Redeeming your Altitude points 3 Don t miss out on the best rewards 5 Complimentary Gold insurance 6 Exclusive privileges 7 Getting the most from your cards 8 Added security with Westpac CardShield 9 Your payment options 9 Lost or stolen cards 10 Day to day service 10

3 Two cards, one account With your Altitude Business Gold Credit Cards earn Altitude points on business expenses paid for using your cards. With two cards and one handy account, you ll earn and accumulate points faster. Here s how to get the best out of them: You get: Which earns you: Ideal for: Altitude Business Gold Visa Card 1 Altitude point per $1 spent on purchases. Acceptance at over 35 million locations worldwide, plus global ATM access. Altitude Business Gold American Express Card 2 Altitude points per $1 spent on purchases. Maximum points earning potential. To keep things simple, your cards both work off the one account, so you have: the same interest rate on credit purchases the same interest-free period on purchases one monthly payment one credit limit one annual fee one combined monthly statement one combined rewards statement. 1

4 Earning bonus Altitude points Maximise your earning power Altitude gets you to where you want to go sooner. Earn bonus points when you use your cards for purchases with any of our wide range of bonus partners which include Hertz, Medina and Etihad. Earn up to one bonus Altitude point per $1 spent at participating bonus partners within Australia. View a complete list at altituderewards.com.au Altitude Travel Altitude Travel is your fully licensed travel agency staffed by qualified, friendly consultants. Altitude Travel gives you access to most major domestic and international airlines within and from Australia and their connecting partner airlines. For all the details on booking availability and conditions, call Altitude Travel on or visit altituderewards.com.au 2

5 Redeeming your Altitude points Redeem your Altitude points for either business or pleasure including travel, a range of merchandise and gift cards, or redeem for superannuation. 2 Frequent Flyer Programs If you are a member of a participating frequent flyer program, you can also redeem your Altitude points for frequent flyer points or air miles in that program. To check the latest on participating airlines, the terms and conditions that apply and to find out about the availability of reward seats, as well as the multiples of points needed, visit altituderewards.com.au Domestic and international travel Through Altitude Travel you can use your Altitude points to book any available flight on many airlines, as well as car hire, accommodation and holiday packages. All details are available on altituderewards.com.au or by calling Altitude Travel on Travel vouchers You can also use your Altitude points for a range of other travel redemptions, including vouchers. View a complete list at altituderewards.com.au Superannuation 2 Did you know you can use your Altitude points to invest in your future? With BT Super for Life you can turn your Altitude points into superannuation 2. For more information, or to apply for BT Super for Life visit btsuperforlife.com.au Gift cards and vouchers Redeem gift cards or vouchers with your Altitude points. View the full range at altituderewards.com.au Tax considerations Rewards provided under the Altitude rewards program may be subject to income or fringe benefits tax. We recommend you seek independent advice regarding conversion of your Altitude points into superannuation contributions or other rewards. 3

6 Shopping Altitude also offers you a wide range of leading brand products and services, including: Electrical goods Magazine subscriptions Fitness equipment Charity donations Points Plus Pay If you see something you want, but don t have enough Altitude points yet don t worry. Provided you have at least 3,000 Altitude points and make a minimum payment of $5, Points Plus Pay lets you use your Altitude points and make up the difference for most rewards with payment by some other means. If you pay the remaining reward cost using one of your Altitude Business Gold Cards, you could also earn Altitude points. For details about Points Plus Pay visit altituderewards.com.au Delivered to your door When you redeem your Altitude points, vouchers will usually be dispatched within 5 business days, and products within 10 business days. We ll let you know the delivery charges before we dispatch your reward, including any additional charges that may apply because of your geographical location. You can use your Altitude points to cover these charges or choose to debit these to your Altitude Business Gold Card account. How to redeem your points Just visit altituderewards.com.au or call the Altitude Rewards Centre on

7 Don t miss out on the best rewards Stay up to date with Altitude enewsletters Opt into our Altitude enewsletter today to receive information on everything from program updates to rewards, travel and bonus partner offers, from month to month. Signing up is easy, simply: Go to altituderewards.com.au Log into Altitude Rewards Choose the Rewards Account tab Click Update Your Account Details Select Yes, I would like to receive Altitude enewsletters Click Send. 5

8 Complimentary Gold insurance covers 1 Enjoy a wide range of complimentary insurance covers when you use your Altitude Business Gold Cards to pay for specified purchases in accordance with the Westpac Business Credit Cards Complimentary Insurance Policy. Overseas travel insurance 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 Card prior to leaving Australia. Purchase security insurance Provides 90 days cover for business items or personal goods purchased on your Altitude Business Gold Cards against loss, theft and accidental damage, once you have taken possession of the goods. Extended warranty insurance Gives you an extension of up to 12 months on the standard manufacturer s Australian warranty on certain new items purchased on your Altitude Business Gold Cards. Transit accident insurance Automatic protection against serious injury or accidental death when riding as a passenger in a plane, bus, train or ferry, while travelling abroad. Interstate Flight Inconvenience Insurance If you pay for your Australian interstate flight in full using your Altitude Business Gold Cards, you re automatically entitled to reimbursement of certain costs incurred as a result of flight or luggage delay including meals and refreshments, clothing and toiletries loss. For the latest information on your complimentary insurance policy conditions, exclusions and issuer information, please check westpac.com.au from time to time. 6

9 Business related insurance 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) Account holder s Business Inconvenience insurance - cover for up to $10,000 a year if the account holder s business premises are invaded during normal business hours, and up to $10,500 for recruitment expenses incurred for replacement of a cardholder unable to continue their employment. Exclusive privileges As an Altitude Business Gold Cardholder, you can gain automatic membership to these exceptional programs. Experience another side to your Visa card with Visa Entertainment. Access ticket pre-sales to concerts, musicals and sporting events, exclusive member promotions and more. Sign up today for free at visaentertainment.com.au Connect to amexconnect.com.au/westpac to discover an exciting collection of offers from our handpicked retail and lifestyle partners. Enjoy special discounts and the convenience of being able to save offers to your Westpac Altitude Business Gold American Express card so that when you spend you automatically receive a credit back to your account. Visa gobiz Access special business offers and tips and tools exclusive to Visa Business Card holders. Register for free now at visagobiz.com.au 7

10 Getting the most from your cards Up to 45 days interest free on purchases Altitude Business Gold can help you manage your cash flow with up to 45 interest-free days on purchases. For instance, if you have 30 day payment terms on an invoice, you might be able to negotiate with your supplier to make the payment with your Altitude Business Gold Cards just after your credit card statement cycle date, and if you pay off your closing balance in full by the due date each month (including any balance transfer amount or promotional amount), you could pay no interest on that purchase. ATM withdrawals and your PIN Use your Altitude Business Gold Visa Card to get a cash advance from ATMs around the world using your Personal Identification Number (PIN). If you want to change your PIN or need a new one, just visit your local Westpac branch with identification. Please note, you cannot use your Altitude Business Gold American Express Card for ATM cash withdrawals. Know your PIN if you re travelling overseas Some countries will now request a PIN for credit card purchases, so we strongly recommend you memorise your PIN if you are travelling overseas. Changing your credit limit 3 To request an increase or decrease to your credit limit simply call us on Never forget a payment, use free Card Autopay If you re struggling to remember to pay your credit card on time, have greater peace of mind with Card Autopay, 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 8

11 Added security with Westpac CardShield Your Altitude Business Gold Cards are equipped with CardShield, a suite of security features that help guard you against fraudulent activity when making purchases with your cards, even online, including: Online transaction security guarantee you re not liable for the amount of any unauthorised online transaction on your card if you notify us of that 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 transaction, then alerts Westpac s fraud specialists who ll contact you to verify payments if any suspicious activity occurs. Chip technology your Visa Card features an embedded microchip, paving the way for increased credit card security. Your payment options 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 through Telephone or Online Banking. 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. 9

12 Lost or stolen cards If your cards are lost or stolen, we ll aim to get you a replacement within two working days. While in Australia, call , 24 hours a day, 7 days a week. If you are calling about a lost or stolen card from overseas, call the International Operator to book a reverse charge call to Please note that calls made from mobile phones or hotel rooms may attract additional charges, not covered by the reverse charge call service. While overseas, if your account is in good standing and it is within your available limit, you can also request an emergency cash advance of up to $500. Courier costs apply for overseas delivery. Day to day service Telephone banking Use your card account to pay bills, check your account or transaction details, transfer funds between Westpac accounts or request a statement. Self Service Telephone Banking is available 24 hours a day, 7 days a week. Banker assisted Telephone Banking is provided 8am 8pm, 7 days a week. To register, call Online Banking your account online Manage your account, view your transactions, transfer funds between Westpac accounts, pay bills by Bpay, and print your last 7 years statements free 24 hours a day. To register, call Customer service Get assistance and advice about your cards whenever you need it. Simply call (8am 8pm, 7 days a week) from anywhere in Australia, or anytime from overseas. 10

13 American Express Emergency Travel Assistance For help in an emergency whilst overseas, contact American Express Emergency Travel Assistance reverse charges on for legal and medical advice. Visa Global Cardholder Assistance Services A global network of customer care centres and card distribution hubs offering Visa cardholders expedited emergency services whilst overseas; essential services that encompass: Lost/Stolen Card blocking, Emergency Card Replacements, Emergency Cash Disbursements and general enquiries. You can reach out to the Visa Global Cardholder Assistance Services 24x7x365 at: VISA 911 or from the United States or from anywhere in the world. 11

14 Things you need to know: Information is current as at 23 September Credit criteria, conditions and fees and charges apply. Card and Altitude reward program details are at westpac.com.au. Also see altituderewards.com.au. Credit criteria apply to credit limit increase applications. 1. Zurich Australia Insurance Limited ABN AFSL (Zurich) issues these 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 this insurance. See details in Westpac Credit Cards Complimentary Insurance Policy. 2. This information has been prepared without taking account of your objectives, financial situation or needs. Because of this you should, before acting on this information, consider its appropriateness, having regard to your objectives, financial situation and needs. BT Funds Management Limited ABN is the trustee of BT Super for Life. A Product Disclosure Statement (PDS) is available by visiting btsuperforlife.com. au. You should read the PDS before deciding whether to acquire or continue to hold BT Super for Life. An investment in BT Super for Life is not an investment in, deposit with or any other liability of Westpac Banking Corporation ABN (the Bank) or any other company in the Westpac Group. It is subject to investment risk, including possible delays in repayment of withdrawal proceeds and loss of income and principal invested. The Bank is not the issuer of BT Super for Life. Neither the Bank nor any other company in the Westpac Group stands behind or otherwise guarantees the capital value or investment performance of BT Super for Life. 3. Altitude credit limit increase applications are subject to the Bank s normal lending criteria. Westpac Altitude Business Gold American Express cards are issued by Westpac Banking Corporation pursuant to a license from American Express. American Express is a registered trademark of American Express Company. Bpay registered to Bpay Pty Ltd ABN

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16 Contact us Gold priority service line (from Australia) (from overseas) Lost or stolen cards From Australia From overseas Call the International Operator to book a reverse charge call to Telephone Banking Online Banking westpac.com.au Altitude Rewards Centre altituderewards.com.au American Express Offers amexconnect.com.au/westpac Visa Entertainment visaentertainment.com.au American Express Emergency Travel Assistance Visa Global Customer Assistance (from outside Australia) 2014 Westpac Banking Corporation ABN AFSL and Australian credit licence ABB023 (05/14)

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