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 website |
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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 |