American Express and Westpac are competing for the attention of Australia's premier credit card users. Both brands are favoured by those seeking a luxury credit card that offers the most points and the best perks and benefits.
So, how does the American Express Platinum stack up against 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.
 On American Express' website |  On Westpac's website |
|---|---|
| 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 | N/A |
| 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 | |
| $100,000.00 | $75,000.00 |
| Temporary Residents Accepted | |
| No | Yes |
