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.

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

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..

The card is good for everyday purchases & customer service support with any queries or disputing or querying payments is great. However the reward system can be difficult to navigate, when you don't do it often. I tried to transfer accumulated points to airline travel & it became very involved.

Westpac offers an excellent rewards program with an intuitive website for redeeming your points. Westpac is prompt to flag fraudulent transactions and resolves them quickly and easily. Great credit card 10/10

This card suits my every day shopping needs well, allows me to accumulate points without an expiry and simple to redeem via their website...however....i used to like it before when holders were given fee free Amex accounts that gave double the points. I'm sad that over the years you need to acquire more points to get a $100 gift card. I always pay my card off on the due date so have never had interest applied so can not comment.

So easy to collect points and redeem them. I pay everything with the card and points accumulate so quickly. Have had it for over 20 years. Use it overseas and no problems with it at all. There are fees for the card which can be paid with points. The amount I redeem far outways the fees.