CON:
$395 annual fee. Rewards are pretty standard compared to the other big banks. AmEx Velocity (annual fee $349) is better — free domestic flight anywhere plus points, insurance etc)

PRO:
If I need to speak to a customer rep it is easy (direct phone line).
3 points to the dollar on AmEx, 1.25 points to the dollar on MasterCard. As a family we rack up points quickly, and convert them to fuel and Woolies cards
I’ve had 2 non-authorised transactions in the past, but Westpac was quick to review and rectify.