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One of the cards gaining a bit of momentum so far is the Westpac Altitude Black Credit Card. In general it has the best American Express earn rate on the market at 1.5 Airline points per dollar spent. This is possibly the best card out there for a business if the suppliers and services mostly takes American Express as there is no points cap – unlike the American Express Platinum Business Card which is capped at a certain point.

See link below:

Westpac Altitude Black Credit Card

This credit card has 2 accounts – an Amex and a Mastercard. The Mastercard only earns 0.625 Airline points per dollar so definitely not the best one out there. You could sign up for the Citibank Signature Visa Card to get 1 point per dollar for all your purchases and as they have regular promotions where the annual fee is free for life – then will beat the Altitude Mastercard hands down.

The Altitude card has a bit of flexibility in transferring the reward points to 5 different airlines. They are Virgin Australia, Singapore Airlines, Malaysian Airlines, Air New Zealand and Cathay Pacific. My personal favourite is Singapore Airlines Krisflyer program but you can’t go wrong with Virgin or Cathay as well. I wouldn’t touch Malaysian Airlines Enrich programme as they have just devalued their points and Air New Zealand is possibly the worst frequent flyer program there is to date – I suggest you keep your hands off this one.

All the above is in regards if you select the Altitude awards. If you choose the Qantas Altitude awards then of course all the points will be credited to your Qantas Frequent Flyer account. If all you do is fly Qantas and have all your points credited to that account then that is worth doing. But if you are like me where you like to have flexibility and also have a choice of different airlines which requires less points to fly on business or first class – then I would choose Altitude award.

Altitude awards also provide 2 lounge passes for Priority Pass. Priority Pass lounges are lounges around the world but in my opinion are very basic so is not a real perk – but better then nothing. The Qantas Altitude card provides you with 2 Qantas Lounge passes. These are usually exceptionally better. But again – not a real showstopper.

The annual fee is $395 for this card so is actually pretty good compared to the American Express Platinum card which is $1200 per year. Also currently (as of 16th February 2015) there is a 60,000 Altitude or Qantas bonus points on signup.

In conclusion would I get this card? If I was a person who didn’t know how to leverage the power of the American Express Platinum and/or American Express Platinum Edge card then yes this card would certainly be on my radar. I wouldn’t have to think much so whenever a shop accepts Amex I would present the Amex Altitude Black card and for everything else I would use the Mastercard. Also if you spend a lot either personally or on your business per month ($50K plus for example) then this is definitely the go to card as the points is uncapped.

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