Westpac Altitude Black - Altitude Rewards American Express Bundle

Multiple bad experiences – Experience #1: Made a hotel booking using 180,000 points, had to change last minute due to hospitalisation. Refused to refund the points even though the hotel's policy had a medical clause. I sent them medical letters etc. but no one has done anything about it. Experience #2: Lost over 200,000 points due to points expiring after they changed products and cancelled the American Express bundle - I was never told about points expiring but they are all gone now.

0/10 experience. Never again.

Great card – Easy to earn points as well as quick to redeem. You get triple points while using Amex. However just received email today that they are increasing to 6 times for selected retailers.

It was a great credit card – I took the Westpac Altitude Black Amex bundle (Westpac issued Amex) when it was just released and I was offered a discounted annual fee at $295. The annual fee was reduced further to $195 when I took BT Super for Life as my super option. I got 1 pt for each dollar spent on Mastercard and 3 pt for each dollar spent on Amex at that time. With these points, I managed to redeem J class tickets for my overseas trips once a year. However, Westpac cancelled the Amex card last year. I had to apply for the Amex issued Altitude Amex black card separately. I still have to pay $195 for the Mastercard and another $195 for the Amex card. Now I earn 1.25 for each dollar spent on Mastercard and 3pt spent on Amex. BUT, the points required for redeeming a J class ticket increased by 40%!