Choosing the best credit card in Australia can be challenging, especially when comparing two of the most popular options: the ANZ Rewards Platinum Credit Card and the Westpac Altitude Black Credit Card.
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Both offer travel perks, cashback, and reward points, but each caters to slightly different needs and spending habits.
In this article, we compare the ANZ Rewards Platinum and Westpac Altitude Black to help Australians decide which card maximises rewards, travel benefits, and financial value.
Cashback and Rewards Comparison
ANZ Rewards Platinum Credit Card
- Cashback: Earn on eligible purchases including groceries, dining, and fuel.
- Reward Points: Points accumulate with every purchase and can be redeemed for flights, gift cards, or statement credits.
- Bonus Categories: Extra points for travel and dining purchases.
Westpac Altitude Black Credit Card
- Cashback: Earn points on travel, flights, and select lifestyle categories rather than direct cashback.
- Reward Points: High points rate per dollar spent, particularly on travel and premium purchases.
- Redemption Flexibility: Points can be redeemed for flights, hotel stays, experiences, or converted into frequent flyer miles.
Verdict: ANZ is better for direct cashback and simple rewards, while Westpac Altitude Black is ideal for travel-focused points accumulation.
Travel Perks Comparison
ANZ Rewards Platinum
- Complimentary travel insurance covering medical emergencies, trip cancellations, and lost luggage.
- Access to travel discounts through partner airlines and hotels.
- Global card acceptance for seamless international travel.
Westpac Altitude Black
- Complimentary premium travel insurance with higher coverage limits.
- Access to airport lounges globally for selected cardholders.
- Priority services and exclusive travel offers.
Verdict: Westpac Altitude Black offers more premium travel benefits, including lounge access, making it better suited for frequent or luxury travellers.
Credit Limits and Fees
ANZ Rewards Platinum
- Flexible credit limits based on income and credit profile.
- Moderate annual fees and interest rates.
- Unlimited cashback on everyday purchases.
Westpac Altitude Black
- Higher credit limits for premium cardholders.
- Higher annual fees, reflecting the exclusive perks.
- Reward points tailored for premium spending rather than everyday cashback.
Verdict: ANZ is more approachable for everyday users, while Westpac Altitude Black is aimed at high-income cardholders seeking premium rewards and travel benefits.
Security and Protection
Both cards provide:
- Fraud protection to prevent unauthorised transactions.
- Purchase protection for eligible purchases.
- Online account management through mobile apps and portals.
Which Card Should You Choose?
- Choose ANZ Rewards Platinum if you want:
- Simple cashback and reward points.
- Everyday spending benefits.
- Moderate annual fees and flexible limits.
- Choose Westpac Altitude Black if you want:
- Premium travel perks like lounge access and high-limit insurance.
- High points accumulation for flights, hotels, and lifestyle experiences.
- A card suited for frequent or luxury travellers.
Final Thoughts
Both the ANZ Rewards Platinum and Westpac Altitude Black are excellent choices for Australians, but they serve different needs. ANZ is ideal for everyday spending with straightforward cashback and reward points, while Westpac Altitude Black targets premium users who prioritise travel perks, lounge access, and high-value rewards.
By evaluating your spending habits, travel frequency, and reward preferences, you can select the card that delivers the most value for your lifestyle and financial goals.
