Amex Platinum vs Westpac Altitude Black

By   |   Verified by David Boyd   |   Updated 12 Dec 2022

American Express and Westpac compete for Australia's top credit cardholders. Both cards are popular among people looking for a high-end credit card offering the most points, the best perks and 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.

American Express Platinum Card
Westpac Altitude Black Credit Card (Altitude)
Basics
Description
N/AN/A
Additional Cardholders
41
Apple Pay Enabled
YesYes
Card Type
American ExpressMastercard
Google Pay Enabled
YesYes
Minimum Credit Limit
N/A$15,000.00
Maximum Credit Limit
N/A$75,000.00
Rates
Cash Advance Rate
N/A21.49% p.a.
Cash Advance Fee
N/A$2.50
Purchase Rate Ongoing
N/A19.99% 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/AN/A
Eligibility
Minimum Age
18 years18 years
Minimum Credit Rating
Fair, Good, Very Good, ExcellentGood, Very Good, Excellent
Minimum Income
N/A$75,000.00
Temporary Residents Accepted
N/AYes