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American ExpressAmex Explorer
WestpacWestpac Altitude Black
Credit cards · Side by side
Amex Explorer vs Westpac Altitude Black
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First-year value after costs, on an assumed $2,000 a month
$219
$239 rewards + $375 bonus, less costs
$180
$115 rewards + $340 bonus, less costs
Amex Explorer's first-year value is $39 higher than Westpac Altitude Black's, on an assumed $2,000 a month.
An assumed $2,000 a month on the card. Drag to try yours
Figure by figure
First-year value
after costs, on an assumed $2,000 a month
$219
$39 more · Higher value after costs
$180
Sign-up bonus
in dollars, points at what a point buys
$375
75,000 Membership Rewards points
$680
200,000 Altitude Rewards points
$305 more · Larger sign-up bonus
What the bonus asks
spend on the card
$4,000 in 3 months
$12,000 in 12 months
100,000 points in year one
Offer ends
3 Nov 2026
No end date
Annual fee
ongoing, with any rewards program fee
$395
$370
$25 less · Lower annual fee
First-year fee
$395
the same as later years
$275
then $370 a year
$120 less · Lower first-year fee
Rewards program
Membership Rewards
0.50¢ a point
Altitude Rewards
0.34¢ a point
Earn rate
on everyday spend, at what a point buys
2
Membership Rewards points per $1 · about 1.00% back
0.32% more back · Higher earn rate
2
Altitude Rewards points per $1 · about 0.68% back
Purchase rate
23.99%
a year
23.98%
a year
0.01 lower · Lower purchase rate
Interest-free days
on purchases, at most
55 days
10 more · More interest-free days
45 days
Overseas transaction fee
3.50%
of each overseas purchase
3.00%
of each overseas purchase
0.50 lower · Lower overseas fee
Cash advance rate
Not published
23.99%
a year
Additional cardholder fee
None
a year for each extra card
None
a year for each extra card
Minimum credit limit
$3,000
$6,000
up to $75,000
Minimum income
Not published
$75,000
a year
Complimentary travel insurance
Included
Included
Airport lounge access
Included
international
Included
domestic
Network
Amex
Mastercard
Black
Over time
Each card's figure as it stood each week since we began tracking cards. A move shows as ▲ or ▼ in the week it happened.
As of 14 October 2026, Amex Explorer charges $395 a year and its sign-up offer is 75,000 Membership Rewards points; Westpac Altitude Black charges $370 a year and its sign-up offer is 200,000 Altitude Rewards points. Points are valued at what a point buys (a bank's own points at its gift card rate, airline points at 0.8¢), and the value after costs is worked out on the spend above. Each row says which figure is higher or lower; it doesn't rank the cards.
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