American Express Westpac Altitude Black Credit Card Bundle® (Altitude)

American Express Westpac Altitude Black Credit Card Bundle® (Altitude)

My monthly spend: 
$5,000
 
Offer
Card features
Rewards program
Earn rate
Sign up bonus
Points earned
American Express Westpac Altitude Black Credit Card Bundle® (Altitude)
Apply by 02 jun 19
American Express Westpac Altitude Black Credit Card Bundle® (Altitude)
Earn up to 120,000 bonus Altitude Points when you apply for the two-card bundle issued by Westpac and Amex until 2nd June 2019. (Conditions Apply)
Earn up to 5 Altitude points per $1 spent on eligible overseas purchases. (Amex)
Earn 1.25 Altitude Point per $1 spent on eligible purchases. (Westpac)
Add to comparison
Altitude Rewards
Altitude Rewards
3 pts
per $1 spent
120,000
points
after spend criteria

Pros & cons

What's good?

What's not so good?

Earn up to 120,000 bonus Altitude Points when you apply for the two-card bundle issued by Westpac and Amex until 2nd June 2019, are approved and meet the minimum spend for each card.
Westpac Altitude Black Mastercard®: 80,000 bonus Altitude Points when you spend $3,000 on eligible purchases within 90 days of card approval.
American Express Westpac Altitude Black Card: 40,000 bonus Altitude Points when you spend $3,000 on eligible purchases within 90 days of card approval.
Earn up to 5 Altitude points per $1 spent on eligible overseas purchases. (Amex)
24/7 Altitude Black Card Priority Service line.
Redeem Altitude points through Altitude Black Travel Service or convert your points into Virgin Australia’s Velocity, Malaysia Airline’s Enrich, Air New Zealand Airpoints, Singapore Airlines KrisFlyer, Cathay Pacific AsiaMiles.
Enjoy 2x complimentary visits per year to the American Express International Airports in Australia. Two complimentary lounge visits using the Black Mastercard. Qantas Lounge Passes (Altitude Qantas) and Priority Pass (Altitude Rewards)
For information about Qantas points earning rate of this card, please click here.
Annual fee of both Mastercard ($250) and Amex ($199) are quite high.
  • The cash advance rate of 20.74% is only applicable to Mastercard.
  • Receive both rewards cards in one single application.
Disclaimer (2): Reviews rely upon third party information that may not be correct or may be changed without Credit Card Compare’s knowledge. You must carefully consider your own circumstances before making any commitments and confirm all offers and terms with credit card providers before accepting them. Please refer to our T&Cs for more.

The basics

About this card

Card setup
Dual Card
Card tier
Black
Card type
Mastercard & Amex
Card use
Personal
Credit rating
Good
Gambling transactions allowed
No
Joint application
No
Minimum age
18 years old
Minimum income
$75,000
Minimum income for pensioners
Same as standard
Pensioners
Rewards program
Altitude Rewards
Temporary residents
Yes

Cardholders

Additional cardholders
1
Additional card fee
$0 p.a.

Credit limits

Minimum credit limit
$15,000
Maximum credit limit
$75,000

Repayments

Interest charged from
Purchase date
Interest free period
Up to 45 days on purchases
Minimum repayment
2%

Rates & fees

Ongoing interest rates

MonthlyAnnually
Cash advances 0.00% *20.74% p.a.
Purchases 1.69% 20.24% p.a.

Fees

Annual fee
$449 p.a.
Cash advance fee
whichever is greater, $2.50 or 2%
Dishonour fee
$9
Duplicate statement fee
$2
Foreign exchange fee
3%
Late payment fee
$15
Over limit fee
$0
Overseas ATM balance fee
N/A
Overseas ATM withdrawal fee
N/A
Overseas emergency card replacement fee
N/A
Transaction verification fee
$0

Rewards & points

Cool stuff you can get with your points

Disclaimer: Points required accurate as of the 31st March 2018.

Rewards program basics

First purchase bonus
120,000 points
Reward points expiry
Never as long as you keep your account active
Rewards program
Altitude Rewards
Spend required for bonus points
$3,000 (AmEx) and/or $3,000 (MC) in 90 days

Earning points with this card

Frequent flyer points (AmEx)
(refer to "Pro" section)
Frequent flyer points (MasterCard)
(refer to "Pro" section)
Overseas earn rate (AmEx)
5 pts per $1 spent
Overseas earn rate (MasterCard)
1.25 pts per $1 spent
Points cap per month (AmEx)
N/A
Points cap per month (MasterCard)
N/A
Points cap per year (AmEx)
Unlimited
Points cap per year (MasterCard)
Unlimited
Points earned on ATO payments (AmEx)
1 pts per $1 spent
Points earned on ATO payments (MasterCard)
N/A
Reward points (AmEx)
3 pts per $1 spent
Reward points (MasterCard)
1.25 pts per $1 spent

Additional benefits

Airport lounge access
Yes
Complimentary flight voucher
No
Concierge service
Yes

Minimum criteria for this card

What you need before applying

Be over 18 years old
You are a resident or citizen of Australia
Earn a regular income of more than $75,000 per year
Have a good credit history
You have your personal details ready to complete the online application
Have not applied for multiple credit cards recently
Temporary residents are eligible
Age Pension, Disability Pension, Veteran's Pension and Widower's Pension are acceptable.
Austudy, Child Support Payments, Family Tax Benefits and Parenting Payments, Foster Care Allowance and Youth Allowance are acceptable.
Joint applications are not allowed
Overseas Pension is not acceptable.
Carer's Allowance is not acceptable.
Disclaimer: The minimum criteria are intended only to be a guide. Your application may still be rejected by the bank even if you can answer 'Yes' to all the minimum criteria. The final decision regarding your application is up to the bank.

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