Credit Card Compare

ANZ Platinum Credit Card vs Westpac Altitude Rewards Black

Compare ANZ Platinum Credit Card, Westpac Altitude Rewards Black side by side: annual fees, interest rates, rewards and eligibility to find the right card for you.

You may have seen us in
The Sydney Morning HeraldNews.com.auYahoo! FinanceDaily Mail Australia
Side-by-side comparison of ANZ Platinum Credit Card vs Westpac Altitude Rewards Black.
ANZ Platinum Credit Card card
ANZ Platinum Credit Card
Westpac Altitude Rewards Black card
Westpac Altitude Rewards Black

Card details

Overall
47Fair
54Fair
Highest
55 days interest-free49/100
Airport lounge48/100
Balance transfer38/100
Cashback85/100
Frequent flyer56/100
No annual fee51/100
Rewards20/10052/100Highest
Sign-up bonus67/100
Travel37/10044/100Highest
Velocity Points56/100

The basics

Card tierPlatinumBlack
Card typeVisaMastercard
Credit ratingGoodGood
Rewards programNoneWestpac Altitude Rewards
Credit limit$6,000 – $100,000$6,000 – $75,000

Eligibility

Minimum age18 years old18 years old
Minimum incomeNot specified$75,000 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% of the closing balance or $25, whichever is greater2% of the closing balance or $10, whichever is greater

Rates & fees

Ongoing interest rates

Purchases20.99% p.a.20.99% p.a.
Cash advances21.99% p.a.21.99% p.a.

Fees

Annual feeNo annual feeLowest$200 p.a.
Monthly fee
Additional cardholder fee$0$0
Cash advance fee3% of the amount3.5% of the amount
Foreign transaction fee3.5%3%Lowest
Late payment fee$20$20

Rewards

How many points could you earn?

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

$

Earn rate

Everyday spendNoneNone
Bonus categoriesNone2 pts per $1 in bonus categories
Other purchasesNone1 pt per $1 on other purchases, up to $10,000 per statement period
Overseas spendNone3 pts per $1 on overseas spend
ATO/governmentNoneNone
Reduced rate above monthly capNone0.5 pts per $1 above $10,000 per statement period
Points capUncapped
Points expiryPoints don't expire while your account is open and in order.
Estimated annual points236,000 ptsWorth $2,360

Sign-up bonus

Sign-up bonus200,000 points
Bonus spend required

Cashback

Sign-up cashback$450
Spend required$4,500 in 4 months
Ongoing cashback
Cashback cap

Transfer partners

Air New Zealand Airpoints180 pts → 1 pt (≈ 1 pt per $180)
Cathay (Asia Miles)3 pts → 1 pt (≈ 0.33 pts per $1)
Everyday Rewards3 pts → 2 pts (≈ 0.67 pts per $1)
Singapore Airlines KrisFlyer3 pts → 1 pt (≈ 0.33 pts per $1)
Velocity Frequent Flyer3 pts → 1 pt (≈ 0.33 pts per $1)

Related comparisons

Sources

Credit Card Compare
How CardIQ scores cards
Issuers
ANZWestpac