NAB Rewards Platinum Card vs Westpac Altitude Rewards Black

Compare NAB Rewards Platinum Card, Westpac Altitude Rewards Black 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 NAB Rewards Platinum Card vs Westpac Altitude Rewards Black.
	NAB Rewards Platinum Card	Westpac Altitude Rewards Black

Card details

CardIQ

How we calculate scores

Overall	53Fair	54Fair Highest
Airport lounge	–	48/100
Balance transfer	52/100	–
Frequent flyer	51/100	56/100Highest
Rewards	47/100	52/100Highest
Sign-up bonus	63/100	67/100Highest
Travel	–	44/100
Velocity Points	51/100	56/100Highest

The basics

Card tier	Platinum	Black
Card type	Visa	Mastercard
Credit rating	Good	Good
Rewards program	NAB Rewards	Westpac Altitude Rewards
Credit limit	$3,000 – $30,000	$6,000 – $75,000

Eligibility

Minimum age	18 years old	18 years old
Minimum income	Not specified	$75,000 p.a.
Residency	Australian citizen or permanent resident	Australian citizen or permanent resident
Joint application	No	No
Temporary residents	Eligible	Not eligible
Instant approval	Yes (~60 seconds)	Yes (~60 seconds)

Repayments

Interest-free period	Up to 44 days	Up to 45 daysHighest
Minimum repayment	2% of the closing balance or $25, whichever is greater	2% of the closing balance or $10, whichever is greater

How much could you save?

Enter your balance and current rate to see your estimated saving for each card below.

Balance transfers

Promotional rate	0% p.a.	—
Period	12 months	—
Transfer fee	3%	—
Limit	Up to your available credit limit	—
Revert rate	21.74% p.a.	—
Can't transfer from	Coles, Kogan Money, MyCard, NAB, Qantas Money	—
Estimated saving	$850over 12 mths	–

Rates & fees

Ongoing interest rates

Purchases	20.99% p.a.	20.99% p.a.
Cash advances	21.74% p.a.Lowest	21.99% p.a.

Fees

Annual fee	$195 p.a.Lowest	$200 p.a.
Monthly fee	—	—
Additional cardholder fee	$0	$0
Cash advance fee	3.5% of the amount	3.5% of the amount
Foreign transaction fee	3.5%	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 spend	1 pt per $1 up to $5,000 per statement period	None
Bonus categories	None	2 pts per $1 in bonus categories
Other purchases	None	1 pt per $1 on other purchases, up to $10,000 per statement period
Overseas spend	None	3 pts per $1 on overseas spend
ATO/government	None	None
Reduced rate above monthly cap	0.5 pts per $1 from $5,000 to $20,000 per statement period	0.5 pts per $1 above $10,000 per statement period
Points cap	Uncapped	Uncapped
Points expiry	Points 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 points	136,000 ptsWorth $1,360	236,000 ptsWorth $2,360Highest

Sign-up bonus

Sign-up bonus	100,000 points	200,000 pointsHighest
Bonus spend required	—	—

Transfer partners

Accor Live Limitless (ALL)	6 pts → 1 pt (≈ 0.17 pts per $1)	—
Air New Zealand Airpoints	200 pts → 1 pt (≈ 1 pt per $200)	180 pts → 1 pt (≈ 1 pt per $180)
Cathay (Asia Miles)	—	3 pts → 1 pt (≈ 0.33 pts per $1)
Everyday Rewards	—	3 pts → 2 pts (≈ 0.67 pts per $1)
Flybuys	1 pt → 1 pt (≈ 1 pt per $1)	—
Singapore Airlines KrisFlyer	3 pts → 1 pt (≈ 0.33 pts per $1)	3 pts → 1 pt (≈ 0.33 pts per $1)
Velocity Frequent Flyer	2 pts → 1 pt (≈ 0.5 pts per $1)	3 pts → 1 pt (≈ 0.33 pts per $1)

Related comparisons

Sources

Credit Card Compare: How CardIQ scores cards
Government: Product reference data (Consumer Data Right)
Issuers: NABWestpac
Program: Altitude Rewards (Westpac)