Amex Platinum vs Westpac Altitude Black

Verified by David Boyd   |   Updated 8 May 2024

American Express andWestpac are competing for the attention of Australia's premier credit card users. Both brands are favoured by those seeking a luxury credit card that offers the most points and the best perks and benefits.

So, how does the American Express Platinum stack up against the Westpac Altitude Black Credit Card?

Use this side-by-side comparison of rates, fees, and eligibility criteria to decide which of these black credit cards is better for yourself.

American Express Platinum Card

On website

Westpac Altitude Black Credit Card (Altitude)

On website

Basics
Description
N/AN/A
Additional Cardholders
41
Apple Pay Enabled
YesYes
Card Type
American ExpressMastercard
Google Pay Enabled
YesYes
Minimum Credit Limit
N/A$15,000.00
Maximum Credit Limit
N/A$75,000.00
Rates
Cash Advance Rate
N/A21.49% p.a.
Cash Advance Fee
N/A$2.50
Purchase Rate Ongoing
N/A19.99% p.a.
Fees
Annual Fee Ongoing
$1,450.00$295.00
Foreign Exchange Fee
$3.00$3.00
Late Payment Fee
$20.00$15.00
Overseas ATM Withdrawal Fee
N/AN/A
Eligibility
Minimum Age
18 years18 years
Minimum Credit Rating
Fair, Good, Very Good, ExcellentGood, Very Good, Excellent
Minimum Income
N/A$75,000.00
Temporary Residents Accepted
N/AYes