The Westpac Bank Altitude Credit Card, issued by the Westpac Banking Corporation, is a credit card brand that offers not one but two credit cards -- the Altitude American Express Card and the Altitude MasterCard. The said feature provides greater flexibility.

With an annual fee of $ and an interest rate of % pa, card holders can enjoy days of interest free credit purchases, granted that the Altitude account is fully paid monthly. Moreover, a card holder can qualify for 5,000 bonus Altitude points if applied within January 5 and September 30, 2007. Apart from this, frequent card users can stack up bonus points each time they use their Altitude cards. Two points is awarded for each dollar spent using Altitude American Express Card while one point for every dollar spent using Altitude MasterCard. At least three points is awarded for every dollar spent at designated Bonus Partners.

On the other hand, those who use the personalized travel service, Altitude Travel, can likewise earn bonus points. A card holder who manages to nominate someone into the system will get an extra card set at no extra cost, increasing his chances of earning more points.

The interesting part about this bonus scheme is that the points can be redeemed at selected establishments offering a wide array of rewards like cell phones, wines, clothes, even plane tickets. In case a cardholder lacks a point or two to get a particular reward, he may opt to top-up his points through the Points Plus Payment option. In addition, the points that card holders accumulate doesn't have an expiration period, provided that they continue using the card.

Aside from these great features, Altitude cardholders can also get a cash advance from any ATM machine with the MasterCard logo as well as from financial establishments all around the globe, provided that their credit limits can accommodate the cash advances.

• Fees, rates and promotions are subject to change. Please refer to official site for up-to-date details.