Credit Card Compare

American Express Explorer Credit Card vs Westpac Altitude Qantas Platinum

Compare American Express Explorer Credit Card, Westpac Altitude Qantas Platinum side by side: annual fees, interest rates, rewards and eligibility to find the right card for you.

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Side-by-side comparison of American Express Explorer Credit Card vs Westpac Altitude Qantas Platinum.
American Express Explorer Credit Card card
American Express Explorer Credit Card
Westpac Altitude Qantas Platinum card
Westpac Altitude Qantas Platinum

Card details

Overall
48Fair
Highest
43Fair
55 days interest-free31/100
Airport lounge44/100
Frequent flyer55/100Highest41/100
Qantas Points41/100
Rewards50/100Highest38/100
Sign-up bonus60/100Highest55/100
Travel41/100Highest39/100
Velocity Points55/100

The basics

Card tierStandardPlatinum
Card typeAmerican ExpressMastercard
Credit ratingGoodGood
Rewards programAmerican Express Membership RewardsQantas Frequent Flyer
Credit limit$3,000 – $100,000$3,000 – $50,000

Eligibility

Minimum age18 years old18 years old
Minimum incomeNot specified$30,000 p.a.
ResidencyAustralian citizen or permanent residentAustralian citizen or permanent resident
Joint applicationNoNo
Temporary residentsEligibleNot eligible
Instant approvalYes (~60 seconds)Yes (~60 seconds)

Repayments

Interest-free periodUp to 55 daysHighestUp to 45 days
Minimum repayment2.5% of the closing balance or $30, whichever is greater2% of the closing balance or $10, whichever is greater

Rates & fees

Ongoing interest rates

Purchases23.99% p.a.20.99% p.a.Lowest
Cash advances23.99% p.a.21.99% p.a.Lowest

Fees

Annual fee$395 p.a.$175 p.a.Lowest
Monthly fee
Additional cardholder fee$0$0
Cash advance fee3.5% of the amount
Foreign transaction fee3.5%3%Lowest
Late payment fee$30$20Lowest

Rewards

How many points could you earn?

Enter your monthly spend to see estimated annual points for each card below.

$

Earn rate

Everyday spend2 pts per $1None
Bonus categoriesNone0.5 pts per $1 in bonus categories
Other purchasesNone0.35 pts per $1 on other purchases, up to $5,000 per statement period
Overseas spendNone0.75 pts per $1 on overseas spend
ATO/government1 pt per $1 on ATO and government paymentsNone
Reduced rate above monthly capNone0.2 pts per $1 above $5,000 per statement period
Points capUncappedUncapped
Points expiryPoints don't expire while your account is open and in order.Points don't expire while your account is open and in order.
Estimated annual points147,000 ptsWorth $1,470Highest112,600 ptsWorth $1,351

Sign-up bonus

Sign-up bonus75,000 points100,000 pointsHighest
Bonus spend required

Transfer partners

Accor Live Limitless (ALL)5 pts → 1 pt (≈ 0.4 pts per $1)
Air New Zealand Airpoints200 pts → 1 pt (≈ 1 pt per $100)
British Airways Club3 pts → 1 pt (≈ 0.67 pts per $1)
Cathay (Asia Miles)3 pts → 1 pt (≈ 0.67 pts per $1)
Emirates Skywards4 pts → 1 pt (≈ 0.5 pts per $1)
Everyday Rewards5 pts → 4 pts (≈ 1.6 pts per $1)
Hilton Honors2 pts → 1 pt (≈ 1 pt per $1)
Malaysia Airlines Enrich3 pts → 1 pt (≈ 0.67 pts per $1)
Marriott Bonvoy3 pts → 2 pts (≈ 1.33 pts per $1)
Qatar Airways Privilege Club3 pts → 1 pt (≈ 0.67 pts per $1)
Singapore Airlines KrisFlyer3 pts → 1 pt (≈ 0.67 pts per $1)
Velocity Frequent Flyer2 pts → 1 pt (≈ 1 pt per $1)
Virgin Atlantic Flying Club3 pts → 1 pt (≈ 0.67 pts per $1)

Related comparisons

Sources

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