Credit Card Compare

NAB Rewards Signature Card vs Westpac Altitude Rewards Platinum

Compare NAB Rewards Signature Card, Westpac Altitude Rewards 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 NAB Rewards Signature Card vs Westpac Altitude Rewards Platinum.
NAB Rewards Signature Card card
NAB Rewards Signature Card
Westpac Altitude Rewards Platinum card
Westpac Altitude Rewards Platinum

Card details

Overall
51Fair
55Good
Highest
Balance transfer47/100
Frequent flyer50/10055/100Highest
No foreign fee52/100
Rewards44/10052/100Highest
Sign-up bonus63/10066/100Highest
Travel52/100Highest47/100
Velocity Points50/10055/100Highest

The basics

Card tierSignaturePlatinum
Card typeVisaMastercard
Credit ratingGoodGood
Rewards programNAB RewardsWestpac Altitude Rewards
Credit limit$6,000 – $75,000$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 44 daysUp to 45 daysHighest
Minimum repayment2% of the closing balance or $25, whichever is greater2% 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.

$
% p.a.

Balance transfers

Promotional rate0% p.a.
Period12 months
Transfer fee3%
LimitUp to your available credit limit
Revert rate21.74% p.a.
Can't transfer fromColes, Kogan Money, MyCard, NAB, Qantas Money
Estimated saving$850over 12 mths

Rates & fees

Ongoing interest rates

Purchases20.99% p.a.20.99% p.a.
Cash advances21.74% p.a.Lowest21.99% p.a.

Fees

Annual fee$420 p.a.$99 p.a.Lowest
Monthly fee
Additional cardholder fee$0$0
Cash advance fee3.5% of the amount3.5% of the amount
Foreign transaction fee0%Lowest3%
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 spend1.5 pts per $1 up to $15,000 per statement periodNone
Bonus categoriesNone1.25 pts per $1 in bonus categories
Other purchasesNone1 pt per $1 on other purchases, up to $5,000 per statement period
Overseas spendNone2 pts per $1 on overseas spend
ATO/governmentNoneNone
Reduced rate above monthly cap0.5 pts per $1 above $15,000 per statement period0.5 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 points164,000 ptsWorth $1,640Highest136,000 ptsWorth $1,360

Sign-up bonus

Sign-up bonus110,000 pointsHighest100,000 points
Bonus spend required

Transfer partners

Accor Live Limitless (ALL)6 pts → 1 pt (≈ 0.25 pts per $1)
Air New Zealand Airpoints200 pts → 1 pt (≈ 1 pt per $133)180 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)
Flybuys1 pt → 1 pt (≈ 1.5 pts per $1)
Singapore Airlines KrisFlyer3 pts → 1 pt (≈ 0.5 pts per $1)3 pts → 1 pt (≈ 0.33 pts per $1)
Velocity Frequent Flyer2 pts → 1 pt (≈ 0.75 pts per $1)3 pts → 1 pt (≈ 0.33 pts per $1)

Related comparisons

Sources

Credit Card Compare
How CardIQ scores cards
Issuers
NABWestpac