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BREAKING: New Westpac Amex credit cards revealed

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From bonus Qantas Points to $zero annual charges, right here’s what you’ll be able to be expecting from the brand new Westpac American Express Altitude cards.

In 2017, Westpac introduced that it might be saying goodbye to its dual American Express Altitude products. However, this didn’t imply the partnership was once coming to an finish. In November closing yr, it was once showed that Westpac would introduce a new American Express-issued card in 2018. And after a lot hypothesis, Westpac has in the end revealed its new American Express Altitude cards. At the time of writing, those cards are most effective to be had to current Westpac shoppers. If you might be already a buyer, you can be invited to use for the cardboard and given a “personal offer code” to make use of all through the applying.

There are 4 new cards coming to marketplace: The American Express Westpac Altitude Platinum card, the Westpac Altitude Platinum Qantas card, the American Express Westpac Altitude Black card and the American Express Westpac Altitude Qantas Black Card. So, you may have the selection to make a choice whether or not you’d like to earn Qantas Points or Altitude Points as you spend with each the Platinum and Black card.

As each and every card has other advantages, options, charges and charges, we’ve rounded up the main options you want to understand underneath:

American Express Westpac Altitude Platinum card (Qantas) altitude-plat-amex232x146

The American Express Westpac Altitude Platinum card is designed to fit Qantas Frequent Flyers who need to save on card prices.

If you practice through 15 March 2018 and spend $three,000 on eligible purchases within the first 3 months, you’ll rating an advantage 10,000 Qantas Points. Not a large bonus issues be offering, however that is greater than sufficient issues to get you an Economy flight from Sydney to Brisbane (eight,000 issues). The card additionally has beneficiant tiered earn charges. You’ll earn 1.five Qantas Points for each $1 spent on eligible purchases in foreign currencies, 1 Qantas Point for each $1 spent on eligible purchases in Australia and zero.five Qantas Points for each $1 spent at executive our bodies in Australia. Plus, you’ll additionally get 1 further Qantas Point while you spend on decided on Qantas services. There aren’t any issues caps both, so your issues doable is most effective restricted through your price range.

As a widespread flyer card, you’ll be able to additionally make the most of different shuttle perks together with complimentary shuttle insurance coverage. Plus, you can experience the usual American Express advantages together with get admission to to pre-sale tickets for occasions, reserved seating gives and extra because of Amex Invites.

When you practice through 15 March 2018, you’ll additionally save with $zero annual card charge for the primary yr which reverts to $49 thereafter. This card additionally has a purchase order price of 20.24% p.a., however you’ll be able to make the most of as much as 45 interest-free days when you pay your account in complete through the tip of the observation duration. You can’t use this card for money advances (similar to ATM withdrawal charges), so it doesn’t include a money advance price or charge.

American Express Westpac Altitude Platinum card (Altitude)

You even have the selection to earn Westpac Altitude issues with the Platinum card. When you practice through 15 March 2018 and spend $three,000 on eligible purchases within the first 3 months, you can earn 20,000 bonus Altitude Points.

You’ll then proceed to earn three Altitude Points for each $1 spent on eligible purchases in foreign currencies, 2 Altitude Points for each $1 spent on eligible purchases in Australia and 1 Altitude Point for each $1 spent at executive our bodies in Australia. You can redeem your Westpac Altitude Rewards for reward cards, homewares, tech and extra from the Altitude web page. If you are a member, that you must additionally trade your Altitude Rewards with 5 partnered widespread flyer methods together with Velocity, Singapore Airlines’ KrisFlyer, Malaysia Airlines Enrich, Air New Zealand Airpoints and Cathay Pacific AsiaMiles. This card additionally has uncapped issues doable.

You too can save on prices with complimentary world shuttle insurance coverage and purchases safety insurance coverage.

When you practice through 15 March 2018, you can get $zero annual charge within the first yr. Same because the Platinum card that earns Qantas Points, this may increasingly revert to $49 p.a. after that. It additionally has a purchase order price 20.24% p.a., so it is not suited for cardholders who plan to hold a stability from month to month. If you pay your stability in complete through the observation due date, you can stand up to 45 interest-free days.

American Express Westpac Altitude Black card (Qantas)altitude-black-amex232x146

The American Express Altitude Black card gives extra perks than the Platinum counterpart, however it additionally comes at a better value.

If you go for the American Express Altitude Black card with Qantas Points, that you must obtain 20,000 bonus Qantas issues while you practice through 15 March 2018 and spend $three,000 on eligible purchases within the first three months. To come up with an concept of the issues doable, that you must shuttle that Sydney to Brisbane flight in Business Class (16,000 issues) or take an Economy flight from Sydney to Auckland (18,000 issues) with this bonus issues bounty.

As it’s possible you’ll be expecting, you’ll additionally experience a better earn price while you go for the Black card. You’ll accumulate 2 Qantas Points for each $1 spent on eligible purchases in foreign currencies, 1.25 Qantas Points for each $1 spent on eligible purchases in Australia and zero.five Qantas Points for each $1 spent at executive our bodies in Australia. You’ll additionally benefit from the bonus 1 Qantas Point while you spend on decided on Qantas merchandise in Australia.

This card additionally comes with world shuttle insurance coverage and buy safety insurance coverage, permitting you to spend with peace of thoughts whether or not you’re in Australia or in another country. As neatly because the Amex Invites perks, you’ll be able to additionally shuttle in luxurious with two entries to the American Express Lounge at Sydney or Melbourne world airports each and every yr.

This card additionally comes with the yearly charge waiver for the primary yr while you practice through 15 March 2018. This $zero annual charge can be changed through a regular charge of $199 p.a. thereafter. Purchases will accumulate a 20.24% p.a. rate of interest, however you’ll save with as much as 45 interest-free days when you pay your account in complete through the observation due date.

American Express Westpac Altitude Black card (Altitude)

If you’re now not a Qantas Frequent Flyer or want the versatility of credit card rewards, you’ll be able to additionally decide to earn Altitude Rewards with the American Express Westpac Altitude Black card.

If you join through 15 March 2018 and spend $three,000 on eligible purchases within the first 3 months, you’ll get an advantage 40,000 Altitude Points. That’s virtually sufficient issues to redeem a $200 David Jones voucher (42,000 issues) from the Westpac Altitude rewards web site, simply as one instance. You’ll additionally earn five Altitude Points for each $1 spent on eligible purchases in foreign currencies, three Altitude Points for each $1 spent on eligible purchases in Australia and 1 Altitude Point for each $1 spent at executive our bodies in Australia.

This card additionally comes with complimentary shuttle insurance coverage, acquire safety insurance coverage and provides you with get admission to to Amex Invites perks. Same because the Qantas Altitude Black choice, you’ll additionally obtain two entries to the American Express Lounge at Sydney or Melbourne world airports each and every yr.

And you’ve guessed it, this card additionally comes with $zero annual charge for the primary yr, which reverts to $199 p.a. after that. The card additionally has the usual acquire price of 20.24% p.a., as much as 45 interest-free days and no money advance features.

How can I practice for the brand new Westpac American Express Altitude cards?

As discussed, the cards are recently most effective to be had to present Westpac Altitude shoppers. Even if you have already got a Westpac Altitude card, you’ll nonetheless have to use if you wish to grasp some of the new cards. At the time of writing, current cardholders are being invited to use and while you press at the “apply” button on-line, you can be directed to a web page the place it’s a must to input your Westpac buyer ID and password. Although the brand new cards are unique to current cardholders at the present time, we think they are going to be to be had to marketplace as soon as the Westpac Altitude twin cards are formally closed in April this yr.

Unlike the former twin Westpac Altitude cards, those cards will most effective include an American Express card. So even though you’ll be able to sit up for the platinum perks that include spending with Amex, you received’t be capable to benefit from the spending flexibility you will have loved along with your Mastercard.

Considering large banks together with NAB and ANZ additionally dropped their twin credit cards in 2017, the brand new cards give Westpac a singular aggressive edge for purchasers who nonetheless need to financial institution with Westpac whilst playing the perks that include sporting an American Express.

“We’re overjoyed to spouse with Westpac to supply two nice choices for his or her current shoppers who love their Amex these days and need to proceed to benefit from the top earn charges and advantages we’re recognized for,” stated American Express vice chairman partnerships and industry building Adam Roberts.

Can’t look ahead to the brand new gives to use for an American Express credit card? You can take a look at our comparison of Amex-issued credit cards for extra main points.

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