NB, that's an HSBC Qantas Platinum Visa, to maximise sign up points.

I was in the exact same position as the 1st poster. Seriously unimpressed with Westpac, so I dumped their combo and now have a David Jones Platinum AmEx and an HSBC Platinum Visa. For spending overseas, I use 28o Platinum Mastercard. It's a combination that suits me. The DJ AmEx is particularly g...