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..

Great credit card for everyday use. Simple and easy to apply with great rewards and extra velocity points each month. Overseas transaction fee is annoying though - so local use only.

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 is very simple to use, Tap and Go. Pay with Apple and Android Pay.
Points are easily reedabmle and ongoing promotion of 80,000 Qantas Frequent Flyer available for people who spend at least $4,000 in the first 3 months.
The rewards can used in the Qantas Store and ongoing frequent flyer points.

Furthermore, this has the ability to use the Priorty Pass Lounges globally for all airports. Twice free entry per year. This is an additional value!!!

This is perfect credit card and offered on many product example on movie tickets. Airport lounge also added now on this card (before it was not there). we can opt many redeemed option to reedem points including gift card (not in AMEX)

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.

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

It is easy to accumulate points, and is it simple to redeem them. If you have the bundled AMEX then your points accumulate faster. There is annual benefit of lounge passes if you travel abroad quite often. However, I have been charged a fee for approved lounge in the past in Dubai. Their fraud detection is great and you can easily flag any disputed transactions. There are great offers on points for redeeming against credit payments at times.

I got this card for the Qantas reward points and I received them no problems, also the lounge passes where a bonus, easy to book and use, would use again

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 is provided as part of the Premium Advantage package for an annual fee of $395. Altitude rewards gives me some freebies whenever I get around to redeeming my points. When I book holidays I receive their complimentary travel insurance cover which saves $ on every trip. Plus extended warranty on purchases. Fraud protection is excellent as they email and SMS whenever they receive suspicious transactions. Interest rate is NOt a concern as I always pay the full amount each month.

When we first got this card the points system and rewards were a major deciding factor. It was originally packaged with an American Express card that really boosted the points earnings. Now that has been removed, unless we choose to pay more. Not happy! Will be moving banks as soon as we can.

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.

I am really excited about the recent changes to my existing Altitude Black card, now giving me access to Westpac's dedicated Velocity Frequent Flyer program. Previously, I opted into the Velocity auto-redemption feature through Altitude Rewards which only gave me 1 point for every $2 spend. Under the new program, I now have access to a number of free Virgin Australia Airport Lounge passes (issued annually), upgrades to premium economy and a better points earn rate (now 0.75 Velocity points per $1 spent).

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.

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 .