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Pros
Receive both a Westpac Altitude Black Mastercard and an American Express Westpac Altitude Black Card
Uncapped points earning
Lounge passes and travel insurance included
Cons
Total annual fee of $449 + QFF joining fee
$75,000 minimum income required
May be hard to juggle the different rates and conditions of two cards
Jack H.
- 4 reviews
- Altitude Black - Qantas Frequent Flyer American Express Bundle
- Verified customer
Perfect card, great mix of perks and rewards
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.
- Everyday Expenses
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KeliAU
- 12 reviews
- Altitude Black - Qantas Frequent Flyer American Express Bundle
- Verified customer
It was actually really good
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.
- Everyday Expenses
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The reviewer stated that an incentive was offered for this review
J HarveySydney Surrounds, NSW
- 4 reviews
Decent card for sign-up bonus - otherwise there are better cards out there
The Westpac Altitude Black Mastercard and AmEx card bundle is a decent credit card bundle but the annual fee is very high compared to many other cards out there. This bundle is comprised of a Black/World MasterCard directly issued by Westpac and a Black AmEx Card Issued by AmEx but with Westpac branding. Therefore there will be two credit checks if you apply for the complete bundle (also the two cards will have different online access accounts).
The general points earn rate is good on the Black AmEx card (1.25 points/$) but not that good on th...Read more
e Westpac Mastercard (0.75 points/$ which is lower than many other "Black" tier VISA and MasterCards). Points are swept into your Qantas Frequent Flyer account each month and it is relatively easy to redeem them on flights or other things. The MasterCard also gives you 2 Qantas lounge passes if you buy a Qantas flight with them. The AmEx card generally has great telephone service while the Westpac Card less so (but is still not bad). I think it is better to use other cards with 0% foreign transaction fees when traveling overseas as these cards do have a fee of up to 3%. If signing up to this bundle aim for a 120,000 Qantas points sign-up bonus (80,000 on the Mastercard and 40,000 on the Amex) with a reduced annual fee (these promotions usually appear every few months). Do not get these black cards for 'status', as (thankfully) nobody actually gives a toss about that in real world. It is best to objectively evaluate the benefits provided in the form of points value (+ lounge access etc.) compared to the annual fee you pay. Overall I say this card is worth applying for if you qualify and can get a good 120,000 points bonus with a reduced 1st year annual fee.- Everyday Expenses
- Online Shopping
- Special Purchases
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Find out how Westpac Altitude Black - Qantas Frequent Flyer American Express Bundle compares to other Rewards Credit Cards
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Sree
- 5 reviews
Best reward card to get a jump on your reward balance
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
- Everyday Expenses
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The reviewer stated that an incentive was offered for this review
Melissa S.Perth, WA
- 4 reviews
I use this card for all my purchases!
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
- Everyday Expenses
- Online Shopping
- Overseas/Travel
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Status symbol
Pro
Huge bonus rewards points on signup and also high earning rewards point on every dollar spent
Westpac exclusive black concierge team gets you good tables and even gets you entry into clubs.
Con
Very expensive annual fee
- Everyday Expenses
- Online Shopping
- Overseas/Travel
- Special Purchases
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The reviewer stated that an incentive was offered for this review
Great! But could be better. Card is ideal except annual fees.
Similar to any other card provided by other Financial Service companies, there isn't really any real big difference. I have held this card for 3 years now and admit Westpac is pretty good overall, never had any issues with the services provided - the concierge really isn't worth it for the card offering as I found a cheaper flight than what Westpac was able to find online.
The points ratio is alright, though could be better. The only downside was when the split occurred between Westpac bundle and you had to go directly to American Express to o...Read more
btain the benefits of extra points plus an additional yearly annual fee that was already being charged for the use of the MasterCard with Westpac. I am considering shaking off the American Express Black and opting in for the Virgin Platinum instead. The only one gripe I have with Westpac is their disputes procedures, for what I pay annually and the cost of interest throughout the year I found it hard for Westpac to side with me with the clear scams that occur online, unfortunately for me Westpac sided with scammers when I tried to recover $400. I'd give it an overall 7/10.- Everyday Expenses
- Online Shopping
- Overseas/Travel
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A good card with set back
I have a Westpac Altitude black card. Its good for accumulating Qantas frequent flyer points and complimentary Travel Insurance, but certainly not good when it comes to paying for my holidays. I do a lot of cruising but when it comes to paying, cruise company like Cruise1st charges 2.5% or more on top of my expensive cruise payment. A lot of restaurants demand a surcharge of 2.5 % on top of your bill. As a result I used my Master card most of the time to eliminate the surcharge. If American Express wants more business out of their clients why don't they do something to make it more user friendly ? I would love to use my American Express card to accumulate points but at the same time it does not make sense to pay the extra surcharge .
- Everyday Expenses
- Overseas/Travel
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