Westpac Altitude Platinum - Altitude Rewards Visa

Brilliant service – I recently had to cancel our cruise, due to illness. Westpac Complimentary credit card insurance was brilliant; I submitted my claim one day and had a confirmation of payment the following day, with the money credited to my account about 4 days later. I have found Allianz so easy to be insured with.

It's worth having it for the Free Travel Insurance – The accrual of Frequent Flyer points for every payment is great. I get all my property insurance payments paid from my Westpac Altitude Platinum VISA. This now has helped me accrue over 120,000 frequent flyer points. I don't worry about any late fees because I have setup auto payments into it to cover my insurance payments. Also the free travel insurance is wonderful with no upper limit for overseas medical expenses and up to $1000 for any emergency dental costs while overseas.

Looks good, til you try to actually redeem anything – I went through period where I paid for everything on my card. I got up to around 180k points and went to book return flight from Perth to Adelaide. My points got "me" only a one way and the flights offered were all the rubbish midnight flights. Credit card accounts and departments are designed to make it hard as possible to work out in black white balancing the account, alot different to savings or transaction accounts so there is extra stress in managing it.

I still use the card but I don't care about points anymore I like that it includes complimentary travel insurance although now I am reading horror stories about QBE treating claims poorly for this insurance.