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It’s a good card to have if you have a Premier Advantage Home Loan package with Westpac, as the fees are already paid for in the Advantage Package fees.
It’s a reasonable offering for complimentary travel insurance. Rewards are reasonable, although you may wish to switch to Velocity Membership points when there is a promotional period on.
I use this card for the convenience in that it is linked to my home loan account. I find it very helpful in terms of the fact that I am easily able to book accommodation using points accrued. I also think the Black Card Helpline is an example of particularly good service. However, I am not impressed by the amount of fees I have to pay.
This credit card has a great feature in that it allows you to also redeem cash back on purchases using the points that you have available on the card. The items available for purchase using the card are also unique and are quite compelling and make me use my card so I can gain points!
Westpac Altitude Black Credit Cards offer you dual credit cards on one easy to read monthly account statement. A MasterCard and an American Express card to help you earn Altitude points faster. With Altitude Rewards, you get rewarded for doing your everyday shopping throughout the year. These points can be easily converted into shopping gift vouchers, which is great at Christmas time. Furthermore, you have the peace of mind that you’re dealing with a trusted brand with great customer service.
These cards have attitude. They allow me to use them for every purchase everywhere so my points can fly me to anywhere. I don’t have an annual fee while it’s connected to my mortgage and it has complimentary travel insurance.
It should offer more points though because not all retailers accept AmEx.
This is a good and easy card to use. The rewards are quite good and you get extra points if you use their Bonus Partners or the American Express. The only problem is that a lot of merchants don’t except the AmEx or charge extra for it. The points never run out so can be used indefinitely, which is good, and there are a lot of different options for cashing out such as products, gift vouchers, and flights. The statement is straightforward and easy to understand.
I have a Westpac Earth Black MasterCard and I could not be happier with everything they have provided me. Immediately I pay a fee, but I think the benefits gained outweigh the fees. I also receive a number of enticing offers each year. A good card from a trusted bank, and one I would thoroughly recommend.
$395 annual fee. Rewards are pretty standard compared to the other big banks. AmEx Velocity (annual fee $349) is better — free domestic flight anywhere plus points, insurance etc)
If I need to speak to a customer rep it is easy (direct phone line).
3 points to the dollar on AmEx, 1.25 points to the dollar on MasterCard. As a family we rack up points quickly, and convert them to fuel and Woolies cards
I’ve had 2 non-authorised transactions in the past, but Westpac was quick to review and rectify.
For customer service and a quality brand with a great reputation who you trust completely, Westpac is where to bank. Whenever I need to call, whether for my mortgage, credit card or something miscellaneous, the staff is responsive, helpful and knowledgeable. I feel looked after with Westpac and confident about who’s handling my money! And with everything handled in Australia, I like knowing that Westpac is helping many Australians and helping build a better Australia.
I saved lots of money by using the 0% balance transfer offer. I transferred another bank credit card balance to my Westpac black card.
I also earned lots of rewards points by using the card to pay bills and for shopping.
I got the card as part of my home loan package, so I don’t have to pay an annual fee of $395 again.
|Cash advances||1.73%||20.74% p.a.|
Valuation based on the assumption of making a $250 claim once every 5 years. There is no retail market for all-encompassing extended warranty insurance covering more than one item, so no premium saving.
Guaranteed pricing / price protection insurance
Valuation based on the assumption of making a $100 claim once every 10 years. Extensive conditions apply. There is no retail market for this type of insurance, so no premium saving.
Valuation based on the assumption of making a $200 claim once every 5 years. There is no retail market for this type of insurance, so no premium saving.
Interstate flight inconvenience insurance
Valuation based on similar domestic travel insurance policies available online that include interstate flight inconvenience.
Overseas travel insurance
Valuation based on similar annual travel insurance policies available online for trips of up to 60 days.
Rental vehicle excess cover (separate from travel insurance)
Valuation based on similar rental vehicle excess insurance policies available online.
Transit accident insurance
Valuation based on similar global transit accident insurance policies available online.
Waived Qantas Frequent Flyer joining fee
Valuation based on $89.50 Qantas Frequent Flyer joining fee spread over 5 years. Note that this benefit does not apply if cardholder chooses Altitude Rewards rather than Qantas Frequent Flyer points.
|Total estimated value||$1,391|
|Net customer value||$1,141|