Westpac Altitude Black

Applied for this credit card back in June. They lost my application and required me to go through a number of very inconvenient steps more than once because of an error on their end. Card is okay for everyday use, but don't plan on taking it overseas.

Overall, quite happy with this card. I signed up during a promo period. My applicaiton got bounced around for a while and there was a lot of confusion on their end. Eventually, when it arrived, it turned out to be pretty decent. However, do not use for overseas purchases or foreign transactions as there is a steep fee.

So after hours of Westpac pushing my calls to Qantas and vice versa for hours yesterday, today i get a response from Westpac to say that because i held a credit card within 12months prior to signing up with this new card, i am no eligible for the reward points. They say i should have read the terms and conditions. Emails to encourage your to join to received reward points. Nothing but a Scam.. After 2 decades, it is time for me to change banks and shop for one that are at least honest. Shame on you Westpac.

The bundle with Amex for higher points earning is great, there are not many cards left out there with this option. The black card has the highest earn rate of any major banks out there, and the conversion to Qantas points is great.

Qantas lounge passes are a nice bonus. It's easy to earn and use points. Must have income of $75,000+. Should not have such a high annual fee based on this criteria. Happy with card in general.

The card came with the home loan package with no annual fee and bonus point at the time of application. It is an easy process to redeem points. Easy to use and manage once set up.

I managed to get 120000 qantas frequent flyer points by signing up to this credit card and then kept it for a year after. No issue receiving points, and good points per $ spent.

High credit limit Got an initial bonus of 80000 velocity points for 4000 spend in first three months.
Free travel insurance.
There is also 2 lounge pass if you do a transaction in velocity site.
The only downside is the foreign transaction fee.

This card came with our home loan package so there's no annual fee as such as it is included in the loan yearly fee. Great thing about the card is the points that accumulate (1.25 points for each dollar spent) and we get bonus points from different Westpac partners from time to time. Easy to redeem points. We usually get gift cards which usually come in about week. Westpac have great security with their credit cards as well. Also there is travel insurance on the card

The points are a bonus! Had this for years and never had an issue with it. Highly recommend as a reliable card. Do not plan to change cards ever. Great deal.

Altitude Reward points are not really helpful to claim or purchase things, because value of these points are less worthy. But good to have to use it any store or POS without any additional charges.

Accumulating the points used to be much better when they were combined with Amex card but since they split it to Amex issued card (which has separate annual fee) having the Amex is no longer worth it. I used to get the two cards free from annual fee because I have already paid home loan package and now the points accumulation is less and still have to pay Amex annual fee.
Insurance seems to be pretty good.

Love the rewards system on the card. You earn 1.5 points on every dollar spent and you have range of products to purchase from their portal. Can buy different store vouchers too

Worked well overseas, insurance is a good extra as well as the lounge access. Points are a bit low for what you spend so I try and pay everything on the card

Best card offer on market if you are looking for a jump in your reward balance. They have bonus offers most of the time and great per dollar conversion rate as well. Great app from Westpac to manage your payment and track spending

I definitely reccomend this card, i have the AMEX and MC bundle and i use it for everything that takes MC! Only downside is the annual fee which is expensive

Accumulate 1.25 points per $ spent
2 complimentary lounge access
And travel insurance free if tickets purchased using card. One of the best card available in market.moreover , it also has added advantage with other available offer in market e.g. special offer for electricity, hotel booking etc..