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

Mozo Review   Westpac Altitude Black with American Express Review

Last updated: 1 April 2020.

What's hot:
  • 150,000 bonus Altitude Points offer on Mastercard

  • 3 points per $1 on Amex and 1.25 points per $1 on Mastercard, uncapped

  • 2019 Mozo Experts Choice Award

What's not:
  • $449 annual fee

Mozo snapshot:

Love the flexibility that comes with a big bank rewards card but also crave the prestige of owning an American Express card? Well thanks to the 2019 Mozo Experts Choice Award winning Westpac Altitude Black with American Express, you can now have the best of both worlds, as rewards lovers will earn 1.25 points per $1 on their Mastercard and 3 points per $1 for Amex cards.

Key features:

Some things in life are just better in a pair, kind of like the Westpac Altitude Black with American Express rewards cards. Both of these cards feature a generous points earn rate - 3 points for $1 on the American Express card and 1.25 points per $1 on Mastercard - as well as the opportunity to be treated like a star. You'll receive two complimentary visits to Priority Pass Lounges and two at the American Express International Airport Lounges every year, have access to a  24/7 concierge service, plus complimentary insurance for overseas travel, extended warranty, purchase security and transit accidents. 

If collecting points is more your style, you’ll be happy to know that each card comes with its own bonus points offer. If you spend at least $4,000 on your Mastercard within the first 90 days of approval, you’ll be showered with 150,000 bonus Altitude Points! If you choose either of the Frequent Flyer options, you'll receive 90,000 bonus Qantas or Velocity Points under the same conditions, and can add another 30,000 points after making the first eligible purchase on the Mastercard in the second year of it being active.

And for added flexibility, what you redeem your points for is entirely up to you - from gift cards, retail rewards, or transferring your points to various airline programs!

Just keep in mind that as this is a rewards card, there is a high purchase rate involved, 20.49% to be exact, and pricey annual fee of $449 on the combined card bundle. 


Who it's good for:

The Westpac Altitude Black with American Express could be a great option for rewards lovers who are determined to build their points stash and can manage multiple credit cards responsibly.

Any catches?

The Westpac Altitude Black with American Express comes with a $449 annual fee on the combined cards and a 20.49% purchase rate, so be sure the value you’ll receive through redeeming rewards outweighs these costs.

You'll also need a minimum annual income of $75,000 to apply for this bundle.

Rewards program details

Rates and fees information correct as at 5 April 2020. 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 150,000 bonus Altitude Points when you spend at least $4,000 on your Mastercard 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 5 April 2020. 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

18,690 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 90,000 bonus Qantas Points when you spend at least $4,000 on your Mastercard within 90 days of card approval. Receive 30,000 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 $24,920 (Mastercard) or $14,952 (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 5 April 2020. 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 90,000 bonus Velocity Points when you spend at least $4,000 on your Mastercard within 90 days of card approval. Receive 30,000 bonus Velocity 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

Latest reviews of Westpac Altitude Black with American Express

  • Overall 7/10
    Big Banks, where's the human element?

    I trust Westpac as much as I trust any bank but feel like they charge too much, always taking more than they give. I also don't like the separation of American Express from Mastercard causing extra, needless and annoying fees.

    Read full review

    I trust Westpac as much as I trust any bank but feel like they charge too much, always taking more than they give. I also don't like the separation of American Express from Mastercard causing extra, needless and annoying fees.

    Price
    7/10
    Features
    7/10
    Customer service
    7/10
    Convenience
    8/10
    Trust
    7/10
    Less
    Julie, Victoria reviewed 6 days ago
  • Overall 10/10
    Westpac Black credit card.

    Great credit card with Qantas frequent flyer points. Long interest free period.

    Read full review

    Great credit card with Qantas frequent flyer points. Long interest free period.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    -1/10
    Trust
    10/10
    Less
    Trisha, South Australia reviewed 4 months ago
  • Overall 3/10
    Good combination and rewards but high annual fees.

    Good combination of Mastercard and American Express but the fees are on the high side. Mastercard's fee is $250 while Amex's fee is $199.

    Read full review

    Good combination of Mastercard and American Express but the fees are on the high side. Mastercard's fee is $250 while Amex's fee is $199.

    Price
    0/10
    Features
    5/10
    Customer service
    8/10
    Convenience
    9/10
    Trust
    9/10
    Less
    Michael, New South Wales reviewed 4 months ago
  • Overall 7/10
    Get Apple Pay and you’ll be the perfect card.

    It doesn’t have Apple Pay which is a shame.

    Read full review

    It doesn’t have Apple Pay which is a shame.

    Price
    7/10
    Features
    10/10
    Customer service
    9/10
    Convenience
    1/10
    Trust
    8/10
    Less
    Gaby, Victoria reviewed 5 months ago
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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