American Express and Westpac compete for Australia's top credit cardholders. Both cards are popular among people looking for a high-end Qantas credit card offering the most points, the best perks and most benefits.
So how does the American Express Platinum compare with the Westpac Altitude Black Credit Card? Use this side-by-side comparison of rates, fees, and eligibility criteria to decide which of these black credit cards is better for yourself.
 |  |
|---|---|
| Basics | |
| Description | |
| N/A | N/A |
| Additional Cardholders | |
| 4 | 1 |
| Apple Pay Enabled | |
| Yes | Yes |
| Card Type | |
| American Express | Mastercard |
| Google Pay Enabled | |
| Yes | Yes |
| Minimum Credit Limit | |
| N/A | $15,000.00 |
| Maximum Credit Limit | |
| N/A | $75,000.00 |
| Rates | |
| Cash Advance Rate | |
| N/A | 21.99% p.a. |
| Cash Advance Fee | |
| N/A | $2.50 |
| Purchase Rate Ongoing | |
| N/A | 20.99% p.a. |
| Fees | |
| Annual Fee Ongoing | |
| $1,450.00 | $295.00 |
| Foreign Exchange Fee | |
| $3.00 | $3.00 |
| Late Payment Fee | |
| $20.00 | $15.00 |
| Overseas ATM Withdrawal Fee | |
| N/A | N/A |
| Eligibility | |
| Minimum Age | |
| 18 years | 18 years |
| Minimum Credit Rating | |
| Fair, Good, Very Good, Excellent | Good, Very Good, Excellent |
| Minimum Income | |
| N/A | $75,000.00 |
| Temporary Residents Accepted | |
| N/A | Yes |
