Finder makes money from featured partners, but editorial opinions are our own.

American Express Westpac Altitude to replace dual cards



Westpac is due to release its new American Express-issued credit card range in 2018.

In November, we reported that Westpac was replacing its dual American Express credit cards with a new American Express-issued product. While all of the card details have yet to be confirmed, we now know one of the two cards will be called the American Express Westpac Altitude card.

Westpac confirmed these details in an “important information” announcement PDF on its site earlier today. As announced in November, the PDF also confirms that the cards will offer accelerated rewards potential for Altitude and Qantas Points collectors. Cardholders can look forward to higher points earn rates, uncapped points, complimentary insurance and access to American Express benefits including Amex Offers and Amex Invites.

As you may expect from an American Express-issued product, the card will also come with a separate monthly credit statement issued by Amex, a minimum monthly payment to Amex on top of your normal monthly payment for your eligible Westpac credit cards and an online account with American Express.

Of course, this could also mean that American Express Westpac Altitude cardholders may be restricted from accessing introductory offers (such as bonus points) on other American Express-issued credit cards that are usually reserved for new Amex cardholders.

You can compare the full list of what you can expect from the account below:


If you already have a Westpac Altitude Rewards account, your American Express card will be cancelled on 4 April 2018. Unfortunately, this means you’ll no longer be able to take advantage of the higher earn rate that comes with spending with American Express. However, Westpac is hoping that this new credit card range will continue to offer its customers the American Express perks they've come to know and love.

“We know how popular our American Express offer has been and our new partnership will ensure we continue to deliver innovative, market-leading products to our customers,” said Westpac's chief executive, consumer bank George Frazis last month.

As the rest of the card details, such as the annual fee, earn rates and extra features, are yet to be confirmed, we’ll keep you updated as more information about the new American Express Westpac Altitude card is announced.

Latest credit cards headlines

Picture: Shutterstock

Get more from Finder

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and 6. Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

8 Responses

    Default Gravatar
    RandiMarch 28, 2018

    We have a Westpac issued American Express card, I am aware that these cards will be cancelled on 4th April 2018. At this stage we are looking at only using our Mastercard because we intend to look at all the options available to us over the next few months. Can we do this – only use the Master card until we make a decision? or Will Westpac issue the American express card or do we have to apply direct to American Express?

      JeniMarch 28, 2018Finder

      Hi Randi,

      Thank you for getting in touch with finder.
      As per announcement in November, the new cards are due to arrive in early 2018. If you already have a Westpac Altitude Rewards account, your American Express card will be cancelled from 4th of April 2018. However, you’ll also have the chance to apply for one of these new Amex-issued cards which will come with a separate credit limit, statement and account.

      I hope this helps.

      Have a great day!


    Default Gravatar
    HelenMarch 23, 2018

    My friend has just been issued with an American Express (Westpac) card in black (annual membership $199). I have just been issued with an American Express (Westpac) platinum card (annual membership $49). Both from the same source – why is this?

      CarloMarch 26, 2018Finder


      Thank you for contacting finder.

      In regard to your question about annual fees. The Black card has bigger benefits and coverage compared to the platinum card. That is why the annual fee is also bigger than the card you have.



      Default Gravatar
      pethelbess@bigpond.comMarch 26, 2018

      Hi Carlo,
      Yes, of course, I understand that but neither of us chose
      the level of card that arrived following our application. Using what criteria are the cards issued….income? credit limit? Thanks.

      JoshuaMarch 28, 2018Finder


      Thanks for your reply.

      I understand that you didn’t specify the type of card that you like upon card application. In this case, your bank considered the details found in the documents you provided. Every bank has their way of evaluating card application and which card to issue. Yes, you could be right that some of the factors they consider are income, financial situation, and credit score.

      To get a more personalised advice, it is highly recommended that you directly get in touch with Westpac. They should be able to give you a more accurate response.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


      Default Gravatar
      HelenMarch 28, 2018

      Thanks Joshua. I have been in touch with Westpac and American Express
      (over a week ago)
      but no-one has been able to answer my question! Anyway thank you for your help.

      MayMarch 28, 2018Finder

      Hi Helen,

      Thank you for your comment and your question.

      The reason why the annual fees on your card and your friend are different is that the two cards are totally different products although they have the same logo which is American Express. Your friend’s card is the American Express Westpac Altitude Black Card. “Black” cards are usually premium credit card because of the features and benefits that come with it, that’s why their annual fees are also high.

      While your credit card which is the American Express Westpac Altitude Platinum is also a great credit card, but the annual fee is $49, way lower than your friend’s. It’s also a rewards card but different from the Black one.

      You can also review your card’s Product Disclosure Statements/Terms and Conditions for more details.

      I hope this clarifies.


Go to site