American Express and Westpac are competing for the loyalty of Australia's elite credit cardholders. Both cards attract individuals seeking a premium Qantas credit card that delivers the maximum points, top-tier perks, and extensive benefits.
But how does the American Express Platinum compare 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 |
