All credit cards
WestpacWestpac Altitude Black
WestpacWestpac Altitude Platinum
Credit cards · Side by side
Westpac Altitude Black vs Westpac Altitude Platinum
vs
Compare on
First-year value after costs, on an assumed $2,000 a month
$180
$115 rewards + $340 bonus, less costs
$172
$91 rewards + $255 bonus, less costs
Westpac Altitude Black's first-year value is $8 higher than Westpac Altitude Platinum'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
$180
$8 more · Higher value after costs
$172
Sign-up bonus
in dollars, points at what a point buys
$680
200,000 Altitude Rewards points
$340 more · Larger sign-up bonus
$340
100,000 Altitude Rewards points
What the bonus asks
spend on the card
$12,000 in 12 months
100,000 points in year one
$3,000 in 3 months
75,000 points in year one
Annual fee
ongoing, with any rewards program fee
$370
$250
$120 less · Lower annual fee
First-year fee
$275
then $370 a year
$174
then $250 a year
$101 less · Lower first-year fee
Rewards program
Altitude Rewards
0.34¢ a point
Altitude Rewards
0.34¢ a point
Earn rate
on everyday spend, at what a point buys
2
Altitude Rewards points per $1 · about 0.68% back
0.26% more back · Higher earn rate
1.25
Altitude Rewards points per $1 · about 0.43% back
Purchase rate
23.98%
a year
23.98%
a year
Interest-free days
on purchases, at most
45 days
45 days
Overseas transaction fee
3.00%
of each overseas purchase
3.00%
of each overseas purchase
Cash advance rate
23.99%
a year
23.99%
a year
Additional cardholder fee
None
a year for each extra card
None
a year for each extra card
Minimum credit limit
$6,000
up to $75,000
$3,000
up to $50,000
Minimum income
$75,000
a year
$30,000
a year
Complimentary travel insurance
Included
Included
Airport lounge access
Included
domestic
Included
domestic
Network
Mastercard
Black
Mastercard
Platinum
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, Westpac Altitude Black charges $370 a year and its sign-up offer is 200,000 Altitude Rewards points; Westpac Altitude Platinum charges $250 a year and its sign-up offer is 100,000 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.
Other comparisons
Amex Explorer vs Amex PlatinumAmex Platinum vs Amex Qantas UltimateAmex Platinum vs Amex Platinum EdgeAmex Platinum vs Amex Velocity PlatinumAmex Explorer vs Amex Qantas UltimateAmex Explorer vs Amex Velocity PlatinumAmex Essential Rewards vs Amex ExplorerAmex Explorer vs Westpac Altitude BlackANZ Frequent Flyer Black vs ANZ Frequent Flyer PlatinumANZ Frequent Flyer Black vs NAB Qantas Rewards SignatureANZ Frequent Flyer Black vs Westpac Altitude Qantas BlackNAB Qantas Rewards Premium vs NAB Qantas Rewards SignatureCommBank Smart vs CommBank UltimateCommBank Low Fee vs CommBank Low RateMacquarie Black vs Macquarie Platinum