where will your points take you? more of a good thing Proudly supported by Westpac

where will your points take you? more of a good thing Proudly supported by Westpac

Welcome to a great way to earn points Congratulations on selecting Westpac Altitude credit cards. Your new Altitude credit cards offer you a choice of two great rewards program Altitude Rewards or Altitude Qantas. This booklet gives you important information about your cards, so keep it safe for future reference. Contents Two cards, one account 3 Altitude Rewards 4 Altitude Qantas 8 Contactless technology a faster way to pay 11 Even more benefits with contactless technology 12 Getting the most from your cards 13 Added security with Westpac CardShield 15 Exclusive privileges 16 Day-to-day service 17 Your payment options 17 Lost or stolen cards 18

Two cards, one account Enjoy the convenience and the rewards that come with two cards linked to one account. An Altitude American Express card for maximum points earn and an Altitude Visa card for worldwide acceptance. Altitude Rewards $1 spent on purchases = 1 Altitude Point 1 Altitude Qantas $1 spent on purchases = 0.5 Qantas Points 2 Altitude Visa Card $1 spent on purchases = 2 Altitude Points $1 spent on purchases = 1 Qantas Point Altitude American Express Card Points Cap* 5,000 Altitude Points 2,500 Qantas Points *A points cap per statement cycle applies. Bonus points do not count towards the points cap. And to keep things simple, they both work off the one account, so you have: The same interest rate on credit purchases on both cards. The same interest-free period on purchases 7 on both cards. One monthly payment. One credit limit. One annual fee covering both cards. One combined monthly statement. A statement cycle is the period from one statement date to the next. The statement date is the date your statement is issued. 3

Altitude Rewards Earning Altitude Points If you ve selected Altitude Rewards, you can redeem your Altitude Points for a wide range of products and services, gift vouchers, travel and so much more. Maximise your earning power. Earn bonus Altitude Points when you spend with participating Bonus Partners, including 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. 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 cards and you could earn bonus Altitude Points, 1 for a total of: Up to 4 Altitude Points per $3 spent using your Altitude Visa card. Up to 7 Altitude Points per $3 spent using your Altitude American Express card. 4

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Redeeming Altitude Points You can redeem your Altitude Points for a choice of almost 2,000 rewards. Premium brands and lifestyle products Choose from some of the best products from around the globe from 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 Points 1 Velocity Point Singapore Airlines 2 Altitude Points 1 KrisFlyer mile Air New Zealand 160 Altitude Points 1 Airpoints Dollar Malaysia Airlines 2 Altitude Points 1 Enrich mile Asia Miles 2 Altitude Points 1 Asia mile Entertainment Get some of the best seats in the house with advance bookings for movies and other big events. 6

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 1300 859 100. 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 8 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 Visa 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. 9 How to redeem your Altitude Points. Just visit altituderewards.com.au, or call the Altitude Rewards Centre on 1300 859 100. 7

Don t miss out on the best rewards Stay up to date with Altitude Rewards enewsletters Subscribe to our Altitude Rewards enewsletter now to receive information on everything from program updates to Altitude 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. Altitude Qantas Reward yourself with Qantas Points If you ve selected Altitude Qantas you can redeem your Qantas Points for Qantas flights or upgrades or a choice of 2,000 products at the online Qantas Store. Plus complimentary Qantas Frequent Flyer membership if you re not yet a Qantas Frequent Flyer member. Please ensure you ve provided us with your Qantas Frequent Flyer membership number and we ll do the rest. How to maximise your Qantas Points Earn Qantas Points twice with Qantas Frequent Flyer Program partners. Earn Points once on your Altitude cards and again with the partner by presenting your Qantas Frequent Flyer membership card. For a full list of participating Qantas Frequent Flyer program partners visit qantas.com/frequentflyer. Earn bonus Qantas Points when you spend at Westpac s bonus partners. For a full list of Westpac Qantas Rewards Bonus Partners, visit www.westpacrewardsbonuspartners.com.au. Earning your Qantas Points Your Qantas Points will be transferred to your Qantas Frequent Flyer account each month on your statement date. Qantas Points credited will be shown on your monthly Altitude statement. You can also keep track of your Qantas Frequent Flyer account online. For more details on what you can do with your Qantas Points or for your Qantas Frequent Flyer account balance visit qantas.com/ frequentflyer or call 13 11 31. 8

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Redeeming your Qantas Points Qantas Points can be redeemed for an extensive choice of rewards through the Qantas Frequent Flyer program 10 including: Award flights 11 with Qantas and over 36 partner airlines and affiliates. Flight Upgrade Award 12 on eligible Qantas domestic and international flights. A range of merchandise and gift cards for the online Qantas Store 13. What s more, if you don t have enough Qantas Points for redemption, you may be able to 14 : Have a family member transfer points to you through a Family Transfer. Purchase top-up points. Transfer points from a participating card or hotel reward program to your Qantas Frequent Flyer account. Use Points plus pay 15. How to redeem your Qantas Points. Just visit qantas.com/frequentflyer or call 13 11 31. 10

Contactless technology a faster way to pay Your new Altitude 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 for purchases of under $100 at participating merchants simply 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 ll just have to sign or enter your PIN or sign (where available). The benefits of contactless technology: Speed there is no need to enter your PIN or sign (where available) for everyday purchases of under $100 at participating merchants. So it s perfect for places when you re in a hurry, like at supermarkets, petrol stations, newsagents, fast food restaurants and more. Convenience it s like having exact change every time, so you don t always have to carry cash as well as your card, making contactless technology perfect for small purchases where you see the contactless symbol. Security to pay for a purchase, simply hold your card against the contactless terminal the card never leaves your hand. Plus the transaction is processed through the secure Westpac and Visa networks. Earn 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. How does it work? Using your Altitude Visa card with the added feature of contactless technology is simple. 1. Where you see the contactless symbol, let the merchant know you d like to pay using your contactless Altitude card and if you d like a receipt for the transaction. 2. When the transaction amount is shown on the terminal, hold your card against the contactless symbol. 3. The terminal will indicate once your transaction is approved. Collect your receipt if you asked for one, and you re done! To find some of the merchants that accept contactless payments simply visit westpac.com.au/contactless 11

Even more benefits with contactless technology Is it safe? All contactless transactions are processed through the reliable and secure Westpac and Visa networks. With contactless technology your card needs to be within 4cm of the contactless terminal for more than half a second and the merchant must have first entered the transaction amount into the terminal. Your card never has to leave your hand, so you know you re always in control. You ll not be billed twice, even if you accidentally wave your card against the terminal more than once. The Visa Zero Liability policy protects 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. Where can I use contactless technology? You can use your new Altitude Visa card at participating merchants wherever you see the contactless symbol. To find out more about participating merchants, simply visit westpac.com.au/contactless 12

Getting the most from your cards Up to 45 days interest free on purchases You can 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 due date each month. ATM withdrawals and your PIN Use your Altitude Visa card to get a cash advance from ATMs around the world using your Personal Identification Number (PIN). If you can t remember your PIN, or need a new one, just call us on 1300 651 089 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 Merchants in Australia and some overseas countries will request a PIN for credit card purchases in store, so we strongly recommend you memorise your PIN. Additional cardholder at no extra cost 16 Get an additional Altitude American Express card and Visa card linked to your account for your partner or family member, at no extra cost. So if they use their Altitude cards on purchases, you could earn points. Visit westpac.com.au for an application form and details. Changing your credit limit If you need an increase 17 or decrease in your credit limit, simply call us on 1300 651 089. Credit Card Repayment Protection 18 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 1300 369 989 or visit westpac.com.au 13

One card banking For extra convenience, you can link your Altitude Visa card to your Westpac transaction accounts by calling us on 1300 651 089. You can then access your transaction accounts 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 1300 651 089 or download the application form from westpac.com.au Credit Savvy Westpac s lending policies and guidelines are designed to ensure we lend responsibly. Before accepting this card and the credit limit, please make sure you re comfortable with the terms of your contract, including your credit limit and meeting the repayments that will be required. If your circumstances have recently changed or are likely to change, or you think you wouldn t be able to afford the repayments, you shouldn t accept the credit card at this time or you should seek to reduce the credit limit when you activate the card. To manage your credit card just remember these two simple rules: Always aim to pay off more than your monthly minimum amount, as making minimum payments is not an effective way to manage your credit card debt. Make sure your credit limit is realistic. Call us on 1300 651 089 if you want to reduce your credit limit, and it ll be effective immediately. There can be reasons, such as job loss or illness, which can mean that even the most responsible borrower might get into temporary financial difficulty. If you find yourself in this position, just call us on 1300 651 089. 14

Added security with Westpac CardShield Your Altitude 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. 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. 15

Exclusive privileges As an Altitude 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 Not only does your Altitude American Express Card earn you points for every dollar spent on every purchase, every day uncapped, the card also allows you to access a wide range of benefits when you visit the American Express Network amexnetwork.com.au Register for exclusive online promotions and competitions designed to help you get the most out of your card. So for the latest compelling promotion and offers for when you re out shopping or having a bite to eat, visit the American Express Network at amexnetwork.com.au 16

Day-to-day service Telephone Banking Self Service Telephone Banking available 24 hours a day, 7 days a week. Banker assisted Telephone Banking is provided 8am-8pm, 7 days a week. Use your card account to pay bills, check your account or transaction details, transfer funds between Westpac accounts or to request a statement. To register, call 132 032. 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 1300 655 505. Cardholder support Get assistance and advice about your cards, simply call 1300 651 089 (8am-8pm, 7 days a week) from anywhere in Australia, or +61 2 9374 7082 from overseas. 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 2001. In person Just drop in to any Westpac branch. Card Autopay The most convenient way to make your repayments automatically from most transaction accounts. 17

Lost or stolen cards If your cards are lost or stolen, please notify us immediately. Call 1300 651 089 anytime, so we can stop all transactions on your account. We ll aim to get you a replacement within two working days. If you are calling about a lost or stolen card from overseas, call the International Operator to book a reverse charge call to +61 3 6345 1058. Please note that calls made from mobile phones or hotel rooms may attract additional charges, not covered by the reverse charge service. Things you should know: 1. The earning and redemption of Altitude Points is subject to the Westpac Altitude Rewards Terms and Conditions. Altitude Points are not earned on cash advances. See your credit card Conditions of Use for what we regard as cash. You do not receive points if your card account is in arrears for 2 consecutive card statement cycles. You are not entitled to points in other circumstances see the Westpac Altitude Rewards Terms and Conditions. 2. The earning of Qantas Points is subject to the Westpac Altitude Rewards Terms and Conditions. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. Membership and Qantas Points are subject to the terms and conditions of the Qantas Frequent Flyer program. A joining fee usually applies. For more information on the Qantas Frequent Flyer program visit qantas.com/frequentflyer. Qantas Points are not earned on cash advances and balance transfers. You do not receive Qantas Points if your card account is in arrears for 2 consecutive statement cycles. You are not entitled to Qantas Points in other circumstances see the Westpac Altitude Rewards Terms and Conditions. 3. Bonus Altitude Points are earned on purchases made at participating Bonus Partner outlets. Only Australian Bonus Partner outlets apply unless stated otherwise. You do not earn bonus points where the Bonus Partner does not pay us for bonus points. 4. Altitude Travel gives you access to most major domestic and international airline operations within and from Australia and their connecting partner airlines. In certain circumstances seats may not be available on the airline or flight of your choice at the time you wish to travel. Terms and conditions apply. For details call Altitude Travel on 1300 887 820. 5. You must be a member of the Qantas Frequent Flyer program to redeem Altitude Points for frequent flyer points. You must redeem a minimum of 3,000 points with additional increments in multiples of 500 points at a time for Qantas Points. For Air New Zealand and Air points only, you may redeem a minimum of 2,880 points with additional increments in multiples of 480 points at a time. Award flights are subject to capacity controls and availability is limited. Some flights may not have any Award seats available. Terms and conditions of the relevant frequent flyer program apply. 6. 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 63 002 916 458 will be the trustee and the issuer of interests in BT Super for Life. A Product Disclosure Statement (PDS) is available by visiting btsuperforlife.com.au. You should obtain and consider the PDS before deciding whether to acquire, continue to hold or dispose of interests in 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 33 007 457 141 (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. 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. Points Plus Pay cannot be used to redeem Altitude credit card Annual Fee rebates or other bank related products, Holden Rebate Vouchers, Qantas Points or frequent flyer points. Terms and conditions apply. 18

9. 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. 10. Selected Qantas products and services are the following items purchased directly from Qantas: Qantas passenger flights (with a QF flight number) Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar, Qantas Holidays, Qantas branded nonairfare products and any Qantas products and services not purchased directly from Qantas. 11. Qantas and Partner Classic Award seats are subject to capacity controls and availability is strictly limited particularly at peak times such as school and public holidays. Some flights may not have any Classic Award seats available. For Classic Award flights, taxes, fees, and carrier charges are payable in addition to the points required, are subject to change and are quoted at the time of booking. Classic Award flights must be booked at least 24 hours before scheduled departure and other advance booking requirements may apply. For more information see qantas. com/classicawards. 12. Flight Upgrade Awards are subject to capacity controls and availability (which is limited). Flight Upgrade Awards are not available on Classic Awards or on international airfares booked in E, N, O, P, Q and X class (which includes some Qantas Any Seat Awards and some international Red e-deal fares). you must have an eligible paid and confirmed ticket on a Qantas operated service (with a QF flight number on your ticket). 13. Store products are for delivery in Australia and New Zealand only (and different products are available in each delivery location). Redemption of Qantas Points for items through the online store is subject to Terms and Conditions (including the Store Terms of Use and voucher Terms and Conditions). See Qantas.com/store for further details. The range of Awards and Qantas Points required are subject to change and products are available while stocks last. 14. Terms and conditions apply when taking advantage of these options, for more information refer to qantas.com/frequentflyer or call 13 11 31. 15. Points Plus Pay allows you to choose the number of Qantas Points you redeem above a specified minimum level and pay for the remainder of the fare with an approved payment card (including VISA, MasterCard or American Express) to obtain your Award. The minimum number of Qantas Points required starts from 5,000 Qantas Points per booking and is subject to change. 16. An additional card can be issued to anyone you nominate over the age of 16 years. They will also earn points on eligible purchases but only you can claim a reward. 17. Altitude credit limit increase applications are subject to the Bank s normal lending criteria. 18. Credit Card Repayment Protection is issued by Westpac General Insurance Limited ABN 99 003 719 319 (WGIL) and Westpac Life Insurance Services Limited ABN 31 003 149 157 (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 33 007 457 141 (the Bank). The policy is optional and is subject to conditions, limits and exclusions on cover, which are explained in the policy wording. 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. The information in this brochure is factual only. It does not constitute financial product advice. Before acting on this information you should seek independent financial and taxation advice to determine its appropriateness to your objectives, financial situation and needs. You can obtain a copy of the PDS by calling 1300 369 989 or visiting westpac.com.au You should consider the PDS before making any decision in relation to Credit Card Repayment Protection insurance. BPAY is a registered trademark of Bpay Pty Ltd ABN 69 079 137 518. American Express is a registered trademark of American Express. This card is issued and administered by Westpac Banking Corporation. Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. 19

Contact us General information westpac.com.au Card enquiries 1300 651 089 (from Australia) +61 2 9374 7082 (from overseas) Telephone Banking 132 032 Online Banking 1300 655 505 or visit westpac.com.au Altitude Rewards Centre 1300 887 820 or visit altituderewards.com.au Qantas Frequent Flyer 131 131 or visit qantasfrequentflyer.com.au Visa Entertainment visaentertainment.com.au American Express amexnetwork.com.au Visa Global Customer Assistance +1 303 967 1090 (from outside Australia) 2014 Westpac Banking Corporation ABN 33 007 457 141. AFSL and Australian credit licence 233714. ACB019 (05/14) 390598