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.

After accidentally selecting the wrong apple watch with my rewards points, I called the help number within 3 minutes.
I was told there was no ability to change the order and that I'll need await product then send it back claiming its faulty for a full refund of points.
From there I can reselect a the correct watch.
What a broken system.

When I asked to make a complaint, I was patched through to Westpac's phone banking. Who subsequently told me they aren't affiliated with the altitude rewards program.

Time to find a better credit card I suppose.

I received the card under a home loan package.

The rewards program is quite simple and accumulates quickly.

The lounge pass access is a nice added bonus.

I have not had to call customer service so can't speak on that front.

Have changed from black card to platinum because fees were going to come into force because we changed accounts and were offered new card with no fees for 1 year,I use this for most payments and pay back out of interest bearing account and limits the amount of interest I pay,gives rewards extends warranties on some items even though you have to pay an excess on claim would not consider if under $200,same with car hire insurance also provides travel insurance but make sure you read the fine print,fees not to bad but I generally pay back quickly anyway.

Been paying bills solely with this card, and earning lots of points. Happy with how there are many rewards to select from. Have collected a kitchenaid mixer, food processor and a Breville Waffle Maker using the reward points. And lately, have been using the points to pay off my debt instead of collecting more cookware.

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.

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.

This card is a normal credit card but does earn some points. They have a great introductory offer with no fee and bonus points which got me in.

The online website is nothing special. The Altitude points seem to be worth less than other loyalty schemes (as in their scheme products are more expensive). There is an extra fee is you want to convert to Qantas points, and you will have to spend a lot to make that worthwhile.

The monthly due date for paying off the card is only about a week after the statement has arrived, which is too short for me and will probably see me closing this account before the next annual fee.

Quick application process, but had to go to a branch to set up Autopay from another bank.
Not as many discount offers as Amex, and I never found any offers useful for myself.