Westpac Altitude Black with American Express

This product is available in different versions. Pick the right version for you here.

The details shown below are for a card with Altitude Rewards

The details shown below are for a card with Qantas Frequent Flyer

The details shown below are for a card with Velocity Frequent Flyer

Choose the version of this credit card that suits you best

  • Altitude Black with American Express (Altitude Rewards)

    Rewards: Altitude Rewards

  • Altitude Black with American Express (Qantas Frequent Flyer)

    Rewards: Qantas Frequent Flyer

  • Altitude Black with American Express (Velocity Frequent Flyer)

    Rewards: Velocity Frequent Flyer

20.49% p.a.

No current offer

$449

Altitude Rewards

Westpac Altitude Black with American Express

20.49% p.a.

No current offer

$449

Altitude Rewards

20.49% p.a.

No current offer

$499

Qantas Frequent Flyer

Westpac Altitude Black with American Express

20.49% p.a.

No current offer

$499

Qantas Frequent Flyer

20.49% p.a.

No current offer

$499

Velocity Frequent Flyer

Westpac Altitude Black with American Express

20.49% p.a.

No current offer

$499

Velocity Frequent Flyer

Rewards program details

Rates and fees information correct as at 18 September 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
What your points get you

Fly Sydney to London return

239,200 points

Fly Sydney to Melbourne one-way

15,600 points

$100 Giftcard

23,500 points

$100 Cash

20,000 points

Points earning

3 points per dollar on Amex, 1.25 points per dollar on Mastercard, uncapped

Rewards scheme

Transfer points to a range of airline programs or redeem your points for travel, gift cards, retail rewards and shopping gift cards. Points transfer rate is 2 Altitude points per Velocity point if via auto redemption, 3 Altitude points per Velocity point otherwise.

You can get flights via Velocity, Air New Zealand Air Points, Enrich or Krisflyer programs, or by booking through Altitude Travel.

2 complimentary visits to Priority Pass Lounges each year.

Special offers

Receive 80,000 bonus Altitude Points when you spend at least $4,000 on your Mastercard within 90 days of card approval. Receive 40,000 bonus Altitude Points when you spend at least $3,000 on your American Express card within 90 days of card approval.

Value of rewards points

Spend $16,000 (Mastercard) or $6,667 (Amex)

Spend $18,800 (Mastercard) or $7,833 (Amex)

Spend $12,480 (Mastercard) or $5,200 (Amex)

Spend $191,360 (Mastercard) or $79,733 (Amex)

Uncapped

Never

How do we calculate the rewards?

To work out the "Rewards value minus fees" in our Rewards Revealer we:

  • calculate how many points you'd get each year,

  • figure out how many flights or gift cards or cashback credits you could get for those points,

  • work out what that's actually worth to you,

  • take off the annual fee you'd pay.

More details:

  • Our calculations are designed to help you compare the value of different rewards schemes. To do this, we've looked at earning a one-way Sydney-Melbourne flight excluding taxes and charges, a return Sydney-London flight excluding taxes and charges, a $100 shopping Gift Card and $100 cashback. Most cards will also offer other rewards, which may be worth more or less than the ones we've shown.

  • We have made no allowance for bonus points for using your card at specific merchants, introductory offers or special offers. We have not assigned any value to instant discounts, insurances, ticketing and concierge services or other such benefits.

  • Rewards value calculations do not take credit card interest into account. If you do not pay off your card each month you may be better off looking for a card based on interest rates than on the value of rewards.

  • In products that have more than one card, a different mix of spend between American Express / Visa / Mastercard will give different results. Mozo's Rewards Revealer lets you choose the mix based on the way you would use such a product, and gives you tailored results.

  • We assume flights purchased with airline points are 'classic' or 'reward' economy seats with restricted seat availability. 'Any seat' rewards will probably cost more.

  • To compare the value of flight rewards, we sample online retail flight prices once a quarter based on the average price on a Wednesday 3 months in advance but outside NSW school holidays. For domestic flights we take the lowest available fare from each flight on that day from Qantas Red e-deal, Virgin Australia Saver including baggage and Jetstar Starter including baggage. We calculate the average price excluding taxes and surcharges for each airline, and also the average across all airlines (which we use when rewards are travel agent vouchers). For international flights, we take the lowest available fares on that same Wednesday from each of Qantas, Emirates, Malaysian, Etihad, Singapore, Cathay Pacific and Thai, assuming a return flight 2 weeks later, calculate the average price before taxes and surcharges and use this as our assumed cost of a flight on any airline.

  • Shopping rewards are based on $100 gift cards from a major national department store.

  • We make every effort to ensure our calculations are correct and up to date but make no guarantees.

Close

Rate and fee details

Rates
  • 20.49% p.a.

  • none

  • No current offer

  • none

  • 21.49% p.a.

  • 45

Fees
  • $449.00

  • none

  • none

  • none

  • $15.00

  • 2%, Min $2.50, Max $150

  • 3.00%

  • $2.00

  • none

  • $0.00

Features
  • $10.00

  • 2.0

  • 1

  • none

Payment options

Google Pay, Samsung Pay, Fitbit, Garmin Pay

Rewards privileges

Concierge,
Travel Insurance,
Extended Warranty,
Purchase Protection

Rewards program details

Rates and fees information correct as at 18 September 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
What your points get you

Fly Sydney to London return

110,400 points

Fly Sydney to Melbourne one-way

8,000 points

$100 Giftcard

17,120 points

$100 Cash

-

Points earning

1.25 points per dollar on Amex, 0.75 points per dollar on Mastercard, uncapped

Rewards scheme

Points are automatically credited to the Qantas Frequent Flyer program.

All rewards are redeemed via Qantas Frequent Flyer.

Bonus points on selected Qantas products and services.

2 complimentary lounge invitations to Qantas Club Lounges each year.

Special offers

Receive 80,000 bonus Qantas Points when you spend at least $4,000 on your Mastercard within 90 days of card approval. Receive 40,000 bonus Qantas Points when you spend at least $3,000 on your American Express card within 90 days of card approval.

Value of rewards points

Spend $22,827 (Mastercard) or $13,696 (Amex)

Spend $10,667 (Mastercard) or $6,400 (Amex)

Spend $147,200 (Mastercard) or $88,320 (Amex)

Uncapped

Never

How do we calculate the rewards?

To work out the "Rewards value minus fees" in our Rewards Revealer we:

  • calculate how many points you'd get each year,

  • figure out how many flights or gift cards or cashback credits you could get for those points,

  • work out what that's actually worth to you,

  • take off the annual fee you'd pay.

More details:

  • Our calculations are designed to help you compare the value of different rewards schemes. To do this, we've looked at earning a one-way Sydney-Melbourne flight excluding taxes and charges, a return Sydney-London flight excluding taxes and charges, a $100 shopping Gift Card and $100 cashback. Most cards will also offer other rewards, which may be worth more or less than the ones we've shown.

  • We have made no allowance for bonus points for using your card at specific merchants, introductory offers or special offers. We have not assigned any value to instant discounts, insurances, ticketing and concierge services or other such benefits.

  • Rewards value calculations do not take credit card interest into account. If you do not pay off your card each month you may be better off looking for a card based on interest rates than on the value of rewards.

  • In products that have more than one card, a different mix of spend between American Express / Visa / Mastercard will give different results. Mozo's Rewards Revealer lets you choose the mix based on the way you would use such a product, and gives you tailored results.

  • We assume flights purchased with airline points are 'classic' or 'reward' economy seats with restricted seat availability. 'Any seat' rewards will probably cost more.

  • To compare the value of flight rewards, we sample online retail flight prices once a quarter based on the average price on a Wednesday 3 months in advance but outside NSW school holidays. For domestic flights we take the lowest available fare from each flight on that day from Qantas Red e-deal, Virgin Australia Saver including baggage and Jetstar Starter including baggage. We calculate the average price excluding taxes and surcharges for each airline, and also the average across all airlines (which we use when rewards are travel agent vouchers). For international flights, we take the lowest available fares on that same Wednesday from each of Qantas, Emirates, Malaysian, Etihad, Singapore, Cathay Pacific and Thai, assuming a return flight 2 weeks later, calculate the average price before taxes and surcharges and use this as our assumed cost of a flight on any airline.

  • Shopping rewards are based on $100 gift cards from a major national department store.

  • We make every effort to ensure our calculations are correct and up to date but make no guarantees.

Close

Rate and fee details

Rates
  • 20.49% p.a.

  • none

  • No current offer

  • none

  • 21.49% p.a.

  • 45

Fees
  • $499.00

  • none

  • none

  • none

  • $15.00

  • 2%, Min $2.50, Max $150

  • 3.00%

  • $2.00

  • none

  • $0.00

Features
  • $10.00

  • 2.0

  • 1

  • none

Payment options

Google Pay, Samsung Pay, Fitbit, Garmin Pay

Rewards privileges

Concierge,
Travel Insurance,
Extended Warranty,
Purchase Protection

Rewards program details

Rates and fees information correct as at 18 September 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
What your points get you

Fly Sydney to London return

119,600 points

Fly Sydney to Melbourne one-way

7,800 points

$100 Giftcard

21,800 points

$100 Cash

-

Points earning

1.25 points per dollar on Amex, 0.75 points per dollar on Mastercard, uncapped

Rewards scheme

Points are automatically credited to the Velocity Frequent Flyer program.

All rewards are redeemed via Velocity Frequent Flyer.

2 complimentary visits to Priority Pass Lounges each year.

Special offers

Receive 80,000 bonus Velocity Points when you spend at least $4,000 on your Mastercard within 90 days of card approval. Receive 40,000 bonus Altitude Points when you spend at least $3,000 on your American Express card within 90 days of card approval.

Value of rewards points

Spend $29,067 (Mastercard) or $17,440 (Amex)

Spend $10,400 (Mastercard) or $6,240 (Amex)

Spend $159,467 (Mastercard) or $95,680 (Amex)

Uncapped

Never

How do we calculate the rewards?

To work out the "Rewards value minus fees" in our Rewards Revealer we:

  • calculate how many points you'd get each year,

  • figure out how many flights or gift cards or cashback credits you could get for those points,

  • work out what that's actually worth to you,

  • take off the annual fee you'd pay.

More details:

  • Our calculations are designed to help you compare the value of different rewards schemes. To do this, we've looked at earning a one-way Sydney-Melbourne flight excluding taxes and charges, a return Sydney-London flight excluding taxes and charges, a $100 shopping Gift Card and $100 cashback. Most cards will also offer other rewards, which may be worth more or less than the ones we've shown.

  • We have made no allowance for bonus points for using your card at specific merchants, introductory offers or special offers. We have not assigned any value to instant discounts, insurances, ticketing and concierge services or other such benefits.

  • Rewards value calculations do not take credit card interest into account. If you do not pay off your card each month you may be better off looking for a card based on interest rates than on the value of rewards.

  • In products that have more than one card, a different mix of spend between American Express / Visa / Mastercard will give different results. Mozo's Rewards Revealer lets you choose the mix based on the way you would use such a product, and gives you tailored results.

  • We assume flights purchased with airline points are 'classic' or 'reward' economy seats with restricted seat availability. 'Any seat' rewards will probably cost more.

  • To compare the value of flight rewards, we sample online retail flight prices once a quarter based on the average price on a Wednesday 3 months in advance but outside NSW school holidays. For domestic flights we take the lowest available fare from each flight on that day from Qantas Red e-deal, Virgin Australia Saver including baggage and Jetstar Starter including baggage. We calculate the average price excluding taxes and surcharges for each airline, and also the average across all airlines (which we use when rewards are travel agent vouchers). For international flights, we take the lowest available fares on that same Wednesday from each of Qantas, Emirates, Malaysian, Etihad, Singapore, Cathay Pacific and Thai, assuming a return flight 2 weeks later, calculate the average price before taxes and surcharges and use this as our assumed cost of a flight on any airline.

  • Shopping rewards are based on $100 gift cards from a major national department store.

  • We make every effort to ensure our calculations are correct and up to date but make no guarantees.

Close

Rate and fee details

Rates
  • 20.49% p.a.

  • none

  • No current offer

  • none

  • 21.49% p.a.

  • 45

Fees
  • $499.00

  • none

  • none

  • none

  • $15.00

  • 2%, Min $2.50, Max $150

  • 3.00%

  • $2.00

  • none

  • $0.00

Features
  • $10.00

  • 2.0

  • 1

  • none

Payment options

Google Pay, Samsung Pay, Fitbit, Garmin Pay

Rewards privileges

Concierge,
Travel Insurance,
Extended Warranty,
Purchase Protection

Customer Reviews

How are Westpac credit cards rated by the Mozo community?

Overall customer rating
6.8/10
Price
5.9/10
Features
6.0/10
Customer service
6.9/10
Convenience
7.6/10
Trust
7.0/10
Westpac

About Westpac

As Australia's first bank, Westpac has been serving customers since 1817. Westpac merged with St.George to create Australia's largest financial services company, and customers can enjoy from peace of mind from having the security offered by a major bank behind them. Check out Westpac's range of banking products such as savings accounts, home loans, personal loans, credit cards and other financial services such as its car and home and contents insurance.

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$299 $199 in the first year

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No current offer

20.24% p.a.

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Qantas Ultimate Card

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

20.74% p.a.

$450

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Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0% p.a. for 6 months and then 20.99% p.a.

0% p.a. for 14 months then 20.74% p.a.

$129 $64 in the first year

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Qantas Premier Everyday

0% p.a. for 12 months and then 21.99% p.a.

19.99% p.a.

$49 $29 in the first year

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ME

ME

frank Credit Card

No current offer

11.99% p.a.

$0

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NAB

NAB

Qantas Rewards Signature Card

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

19.99% p.a.

$395 $295 in the first year

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Heritage Bank

Heritage Bank

Gold Low Rate

No current offer

11.55% p.a.

$0

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Qantas Premier Platinum

1 point per dollar on Mastercard, up to $10,000 per month, then
0.5 points per dollar on Mastercard, uncapped

19.99% p.a.

$299 $199 in the first year

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CUA

CUA

Platinum Credit Card

1 point per dollar on Mastercard, up to 100000 points per year

19.99% p.a.

$149 $0 in the first year

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American Express

Qantas Ultimate Card

1.25 points per dollar on Amex, uncapped

20.74% p.a.

$450

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Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0.66 points per dollar on Visa, up to $1,500 per month, then
0.5 points per dollar on Visa, uncapped

20.74% p.a.

$129 $64 in the first year

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Qantas Money

Qantas Premier Everyday

0.75 points per dollar on Mastercard, up to $3,000 per month, then
0.4 points per dollar on Mastercard, uncapped

19.99% p.a.

$49 $29 in the first year

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ANZ

ANZ

Frequent Flyer Black

1 point per dollar on Visa, up to $7,500 per month, then
0.5 points per dollar on Visa, uncapped

20.24% p.a.

$425

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NAB

NAB

Qantas Rewards Signature Card

1 point per dollar on Visa, up to $5,000 per month, then
0.5 points per dollar on Visa, up to $20,000 per month

19.99% p.a.

$395 $295 in the first year

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HSBC

HSBC

Platinum Credit Card (Special Offer)

1 point per dollar on Visa, up to 10000 points per month

19.99% p.a.

$129 Refunded when you spend over $6,000 p.a

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Qantas Money

Qantas Premier Platinum

0% p.a. for 18 months and then 21.99% p.a.

$299 $199 in the first year

19.99% p.a.

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ANZ

ANZ

Platinum

0% p.a. for 18 months and then 20.24% p.a. (2.00% balance transfer fee)

$87 $0 when you spend over $20,000 p.a, $0 in the first year

20.24% p.a.

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Qantas Money

Qantas Money

Qantas Premier Everyday

0% p.a. for 12 months and then 21.99% p.a.

$49 $29 in the first year

19.99% p.a.

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Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0% p.a. for 6 months and then 20.99% p.a.

$129 $64 in the first year

0% p.a. for 14 months then 20.74% p.a.

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HSBC

HSBC

Platinum Credit Card

0% p.a. for 12 months and then 21.99% p.a.

$129 Refunded when you spend over $6,000 p.a

0% p.a. for 12 months then 19.99% p.a.

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NAB

NAB

Qantas Rewards Signature Card

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

$395 $295 in the first year

19.99% p.a.

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American Express

American Express

Velocity Escape Card

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

$0

20.74% p.a.

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CUA

CUA

Platinum Credit Card

0% p.a. for 13 months and then 21.74% p.a.

$149 $0 in the first year

19.99% p.a.

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Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0% p.a. for 14 months then 20.74% p.a.

$129 $64 in the first year

0% p.a. for 6 months and then 20.99% p.a.

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Heritage Bank

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11.55% p.a.

$0

No current offer

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Latitude

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Low Rate Mastercard

11.99% p.a.

$69

No current offer

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NAB

NAB

Low Rate Card

0% p.a. for 6 months then 13.99% p.a.

$59

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

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ANZ

ANZ

Low Rate

12.49% p.a.

$58

0% p.a. for 15 months and then 20.24% p.a.

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ME

ME

frank Credit Card

11.99% p.a.

$0

No current offer

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Qantas Premier Platinum

19.99% p.a.

0% p.a. for 18 months and then 21.99% p.a.

$299 $199 in the first year

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Frequent Flyer Black

20.24% p.a.

No current offer

$425

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Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0% p.a. for 14 months then 20.74% p.a.

0% p.a. for 6 months and then 20.99% p.a.

$129 $64 in the first year

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Qantas Money

Qantas Money

Qantas Premier Everyday

19.99% p.a.

0% p.a. for 12 months and then 21.99% p.a.

$49 $29 in the first year

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ME

ME

frank Credit Card

11.99% p.a.

No current offer

$0

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NAB

NAB

Qantas Rewards Signature Card

19.99% p.a.

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

$395 $295 in the first year

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Heritage Bank

Heritage Bank

Gold Low Rate

11.55% p.a.

No current offer

$0

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ANZ

ANZ

Low Rate

12.49% p.a.

0% p.a. for 15 months and then 20.24% p.a.

$58