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American Express Westpac Altitude Platinum Bundle - up to 90K Bonus Qantas or Altitude Points - $0 Annual Fee for First Year

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American Express Westpac Altitude Platinum Bundle - up to 90K Bonus Qantas or Altitude Points - $0 Annual Fee for First Year
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Store Repfindercomau on 29/05/2018 - 12:20 finder.com.au (9809 clicks)
Last edited 05/07/2018 - 14:22 by 3 other users

Hi everyone!

Just sharing an exclusive deal for the American Express Westpac Altitude Platinum credit card bundle which is offering up to 90,000 bonus points and $0 annual fee for the first year! This card usually only offers 75,000 bonus points when you meet the same spend requirement, so it’s an easy way to pick up more points without forking out more cash.

This offer is available for applicants who apply through finder by 31 July 2018. This card bundle gives you access to both a Visa (issued and serviced by Westpac) and an Amex (issued and serviced by American Express). You can also choose to earn either Qantas Points or Westpac Altitude Points.

Features of this card
  • Score up to 90,000 bonus Qantas or Altitude Points. You’ll receive 75,000 bonus Points when you spend $3,000 on eligible purchases on your Visa within 90 days of card approval. You’ll also collect 15,000 bonus Points when you spend $3,000 on eligible purchases within 90 days of card approval on your Amex.
  • $0 annual fee for the first year. If you choose the Amex Westpac Altitude Platinum - Qantas card, you’ll only pay a $50 Qantas rewards fee in the first year. You’ll pay the $249 p.a. fee ($150 Visa, $49 Amex, $50 Qantas fee) thereafter. If you opt for the Amex Westpac Altitude Platinum card, you’ll pay nothing the first year and a $199 p.a. fee ($150 Visa, $49 Amex fee) following the first year.
  • If you choose the Amex Westpac Altitude Platinum - Qantas card, you’ll earn 0.5 Qantas Points per $1 on the Visa. On the American Express, you’ll earn 1.5 Qantas Points per $1 spent on purchases in a foreign currency, 1 Qantas Point per $1 spent in Australia as well as 0.5 Qantas Points per $1 spent on government transactions (such as ATO bills). Plus an additional point per $1 spent on selected Qantas products and services in Australia.
  • If you get the Amex Westpac Altitude Platinum card, you’ll earn 1 Altitude Point per $1 spent with your Visa. When you spend with your Amex, you’ll earn 3 Altitude Points per $1 spent on purchases in a foreign currency, 2 Altitude Points per $1 spent in Australia as well as 1 Altitude Point per $1 spent on government transactions.
  • Cardholders can enjoy exclusive discounts, pre-sale tickets to concerts and events and access to Amex Invites Lounges at eligible entertainment venues thanks to Amex Invites.
  • Complimentary insurance covers (including overseas travel) and access to a 24/7 platinum concierge service.
  • These cards have a purchase interest rate of 20.24% p.a.
  • The Visa card has a cash advance rate of 20.74% p.a.
Eligibility criteria
  • Must be over 18 years of age
  • Must be an Australian permanent resident currently residing in Australia
  • Must have a good credit rating

Mod: Deal marked expired as this has been superseded with this newer deal which does not have a $50 rewards fee.

Financial Credit Card Frequent Flyer Qantas Frequent Flyer Reward Points

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closed Comments

  • krazek on 29/05/2018 - 12:30
    +7

    Min credit limit? Also is this application considering applying for 2 separate cards given one is issued by Westpac, the other AMEX?

    • spiff on 29/05/2018 - 13:34
      +1

      $6000 on Visa and $3000 on Amex

  • jeppetto367 on 29/05/2018 - 12:32

    "You’ll receive 75,000 bonus Points when you spend $3,000 on eligible purchases on your Visa within 90 days of card approval. You’ll also collect 15,000 bonus Points when you spend $3,000 on eligible purchases within 90 days of card approval on your Amex."

    What if I spend $1500 on Visa, and $1500 on Amex? Will I get the 75,000 points? Or none?

    • Heybargain on 29/05/2018 - 12:34
      +8

      My guess is none

      Receive 75,000 bonus Qantas or Altitude Points
      When you apply, are approved and spend $3,000 on eligible purchases on your new Westpac Altitude Platinum Visa Card within 90 days of card approval.

      PLUS

      Receive 15,000 bonus Qantas or Altitude Points
      When you apply, are approved and spend $3,000 on eligible purchases on your new American Express® Westpac Altitude Platinum Card within 90 days of Card approval.

      • jeppetto367 on 29/05/2018 - 12:35
        +6

        Yeah, looks like you're correct. I've never seen them separated on a card like this before. Makes you not want to even bother with the Amex.

    • nightelves on 29/05/2018 - 12:34
      +1

      No

  • Heybargain on 29/05/2018 - 12:33
    +12

    Direct link
    https://www.westpac.com.au/personal-banking/credit-cards/ame…

    Mod: Removed extra parameters from URL

  • krazek on 29/05/2018 - 12:36

    Edit: nvm

  • jabroni on 29/05/2018 - 12:40
    +2

    what if i had the westpac black [which they cancelled the amex in april] less than 365 days ago?

    • flangeflange on 29/05/2018 - 12:44
      +7

      "Existing Westpac customers who currently hold an Altitude Platinum Visa Card or Altitude Black Mastercard, or who have held one in the last 12 months, are not eligible for this offer."

      • Chochkee on 29/05/2018 - 14:30

        Yep, so in other words for existing customers if you want this card combo, with no bonues, it will cost $249 for first year and $199 thereafter…

        I left Westpac and never have looked back. Have the HSBC Platinum card $1/1 point, and 60k points, and love it.

        Also if you get this deal every month when you pay your bill you will be paying two separate bills, one through westpac and one to amex directly.

        • humbala on 29/05/2018 - 14:43

          I was on westpac black master card + Amex card. After the Amex card got cancelled, I got offer to get the American Express issued Amex platinum card, which the first year they waived the annual fee and when you spend $3k on first 3 month you get bonus 30000 altitude point.

      • StopSpending on 29/05/2018 - 14:33
        +1

        What if the applicant is a holder of black as a secondary card holder? Husband is primary.

        • pf2 on 29/05/2018 - 15:00

          I would like to know this too

        • ely on 29/05/2018 - 16:14
          +3

          @pf2: You're fine if you're a secondary cardholder; the agreement is between the credit provider and the primary cardholder. You can confirm with them during application if you're concerned but you'll be fine for the bonus.

        • gregorian on 29/05/2018 - 19:34
          +1

          @ely: That's correct

    • tomclancy on 29/05/2018 - 12:47
      -1

      Existing Westpac customers who currently hold an Altitude Platinum Visa Card or Altitude Black Mastercard, or who have held one in the last 12 months, are not eligible for this offer

      EDIT: damn - too slow :)

      • yht on 29/05/2018 - 12:52

        In the past, they still crediting the points. But who knows now

    • aec on 29/05/2018 - 13:32

      the black becomes a single card "bundle"?

  • SteatoLegato on 29/05/2018 - 12:45

    What am I gonna do with all the points?!?!

    • tomclancy on 29/05/2018 - 12:49
      +2

      Sell them for $900-$1100 cash

      • Duram on 29/05/2018 - 13:40

        And risk losing your account!

        • aragornelessar on 29/05/2018 - 14:15
          +6

          What does it matter if you've got no points left and they close your account? You've got the cash in hand instead.

          Disclaimer: Sell at your own risk!

    • muncan on 29/05/2018 - 13:51
      +8

      FIRST CLASS

    • gromit on 30/05/2018 - 09:10

      I used points to purchase my return first class tickets to the US in August. You could sell them for about a $1000 but if you travel much then there are a lot of better ways to utilise them for upgrades.

  • dufflover on 29/05/2018 - 12:50
    +3

    Finally another card to jump onto after ANZ.
    How long does Westpac usually keep these offers up? I need to meet the minimum spend for the Qantas Cash card first that I recently got :S

    • brazen00 on 29/05/2018 - 13:05
      +2

      Expires 31 July 2018

  • yht on 29/05/2018 - 12:51
    +6

    Wow, have to spend $6000 in 3 months to get the full points.

    • Homr on 29/05/2018 - 13:08
      +1

      Yeh that's tough. I was having trouble spending $5000 to get my points from the St George Card and just scrapped through.

      • georgedn on 29/05/2018 - 13:34
        +1

        Wish gift cards.

        • Homr on 29/05/2018 - 13:34
          -2

          I don't shop at woolies or coles very much.

          I order Ubereats often

        • aragornelessar on 29/05/2018 - 14:16
          +1

          @Homr:

          Resell Wish gift cards.

        • omguleh on 29/05/2018 - 21:33
          +1

          @Homr:

          Buy the wish gift cards. Then buy uber vouchers using it at any Woolies. I sometime wait for a sale and buy a few hundred worth.

      • ely on 29/05/2018 - 16:15
        +1

        If only it was tough :-/ With my wife spending less than that would be a challenge.

      • CheapSticks on 29/05/2018 - 17:48
        +1

        Happy to help - you can pay my bills ! Expenses somehow find me !

    • [Deactivated] on 29/05/2018 - 13:30
      +2

      Woolworths egift cards ;)

    • Briefcase Mong on 29/05/2018 - 14:01
      +5

      Just pay for a flight that is $6k and refundable. Once you get your points refund :)

      • nightelves on 29/05/2018 - 14:25

        Won't they take the points back?

        • Briefcase Mong on 29/05/2018 - 14:54
          +1

          No

        • nightelves on 29/05/2018 - 15:02

          @swiftty-13:

          Is it straight forward to refund and would they allow you to refund to a bank account if your credit card is cancelled?

        • Briefcase Mong on 29/05/2018 - 15:30
          +2

          @nightelves: Usually if your card is cancelled you will still be given credit which can be transferred to your bank account. What I would do is wait for my points to arrive then request a refund, once funds are credited cancel card

        • nightelves on 29/05/2018 - 15:53

          @swiftty-13:

          Alright I’m gonna try your strategy for next time.

        • knobbs on 30/05/2018 - 17:10

          @swiftty-13: How do you get the cash off your credit card to your bank account then?

      • d39833 on 29/05/2018 - 18:03
        +3

        I've never been able to find fully refundable flights. Can you give me some examples?

        • chillybags on 30/05/2018 - 00:31

          I booked syd to Perth business with virgin - cost $4.5k. Best part is they cap card fees domestically to $11 so it only works out to be a fraction of a percent for card fees which you won’t get back.

      • Orange on 29/05/2018 - 19:03
        +2

        if refundable flights hard to find, book some expensive hotels for a week instead (I cancelled a few bookings on hotels.com and usually received refund within 48 hrs without any issue)

      • Ulysses31 on 25/06/2018 - 22:24

        … False pretenses…

    • dufflover on 10/06/2018 - 19:43

      Even though I'm waiting till late July to apply I'm not sure that'll do me much good to rack up the required spend :S

      Does this have the same rules as the other cards where Government spends or utility bills don't count towards the bonus points spend? I'll just pre-pay (a lot) each of the various utilities I have!
      The other idea I have is paying some rent through DEFT which accepts credit cards though attracts a % fee, but may be worth it to get over the line with the points.

  • 2jzzzz on 29/05/2018 - 12:53
    +2

    I have a homeloan with Westpac, am I elligible for this combo? I am yet to get any credit card with Westpc. ANZ waived their yearly fees when put with a homeloan bundle, any chance I don't pay the yearly fee as long as I have a homeloan?

    • Heybargain on 29/05/2018 - 14:03

      Probably best to ask Westpac

    • Kirby102 on 29/05/2018 - 14:49

      Just chatted with Westpac on their website. They told me that because the AMEX card is issued by AMEX directly, the Westpac Home Loan package isn't eligible to cover the fees for the AMEX card. They already waive the MC card fees because that card is issued by Westpac.

      Would be nice because they axed the AMEX card as part of the Altitude Black bundle they had before April 2018.

      • ajamedor on 29/05/2018 - 18:01

        Yet this deal covers the fees for both issuers. I also hope that they'll come to an agreement and have the Westpac home loan package waive both fees. Since they're the first lender to reintroduce the amex bundle, now with Amex as the actual issuer, I hope it's teething issues and they'll make appropriate changes

        • serpserpserp on 29/05/2018 - 20:48

          It isn't a teething issue. The card is issued by Amex and not Westpac, so how can Westpac waive a fee charged by Amex?

        • ajamedor on 29/05/2018 - 20:56

          @serpserpserp:
          Just like this deal waives both fees - one can only hope that Westpac might strike a deal with Amex to waive both fees for the home loan package.
          The left hand doesn't completely "not know" what the right hand is doing considering they both came to the table to have this bundle in the first place. One can hope

    • CheapSticks on 29/05/2018 - 17:49

      U don’t pay the fee except $50 if you opt for quantas

  • Duece1995 on 29/05/2018 - 12:55
    +14

    Pretty pathetic this is not offered to previous Westpac Black Cardholders after the removal of the Amex partnership

    • lonewolf on 29/05/2018 - 13:01
      +1

      Just what i was going to say, the piss poor offers they gave to long standing customers who had to move to the cards after they cancelled the old ones…

      • gromit on 30/05/2018 - 09:13
        +1

        yep the pathetic offers they made us combined with the combined fee increase is why I decided I would just bite the bullet and cancel. was a good opportunity to take up one of the NAB credit card offers.

        • lonewolf on 30/05/2018 - 15:39

          Thats exactly what i did, Except I went for ANZ.

  • gembel on 29/05/2018 - 12:56

    credit limit?

  • try2bhelpful on 29/05/2018 - 12:58

    What happens if you cancel during the first year - do you get to keep the points and you don't incur a cost?

    • jeppetto367 on 29/05/2018 - 13:05
      +3

      Once the bonus points have been credited you can cancel with no issues at all. Many of us here regularly do this with different banks. Just ensure all your bills are paid and all your points have credited to your Frequent Flyer account before cancelling.

      • try2bhelpful on 29/05/2018 - 13:07

        Thanks. Sounds like something to investigate - I suspect your credit rating takes a hit with this sort of thing.

        • abb on 29/05/2018 - 13:28
          +3

          The application is what hurts your credit rating, and if you only do it once a year it's not a big deal.

        • Duram on 29/05/2018 - 13:41
          +14

          I churn about 4-5 cards a year, no issues. Credit ratings are BS.

        • greennick on 29/05/2018 - 16:32
          +1

          @Duram:

          Be careful saying that, comprehensive credit reporting is upon us. Most banks are already confidentially providing information. Due to be fully switched on by end of September.

        • Jamesx on 29/05/2018 - 20:31

          @Duram:
          true if you dont borrow from banks

        • serpserpserp on 29/05/2018 - 20:50

          @greennick:

          Yeah but if you already have a home loan you might as well go for it. If you never pay a cent of interest by always paying in time, how can they deem you a bad credit user?

        • gromit on 30/05/2018 - 09:27
          +2

          @Duram: Credit Ratings are BS UNTIL you need to take out significant finance.

    • happychap on 29/05/2018 - 19:02

      Yeah I would imagine so, I mean if you spend the points what can they do?

      • muncan on 29/05/2018 - 19:25
        +1

        Bikies

        • happychap on 01/06/2018 - 22:27

          that escalated quickly

  • points4life on 29/05/2018 - 13:00
    +13

    Keep in mind you will be hit with 2 credit score enquiries, one from Westpac and one from Amex.

    • [Deactivated] on 29/05/2018 - 14:24

      Really?

      • points4life on 29/05/2018 - 14:51

        Yep. It's technically 2 separate products. Westpac along with all other banks (Commbank being the exception) no longer issue Amex cards themselves after the RBA made those changes last year. If you go for this product you will have 2 accounts, 2 cards, 2 separate min. spend requirements and 2 separate bonus points credited after you meet the spend.

    • Stivo on 29/05/2018 - 14:47

      Is this a bad thing? Whats the problem with this?

      • points4life on 29/05/2018 - 14:54

        It's only a bad thing if you care about the impact on your score. Personally I would rather apply for 2 separate card products and get even more points… even if I had to pay an annual fee.

      • sarakoth on 29/05/2018 - 14:58
        +2

        Not sure about the 2 credit scores as such but it is a pain with 2 accounts that's for sure… I had my Westpac one cancelled and now dealing with this.. main thing is you have 2 payments to worry about, two statements to check (for fraud or budget tracking), 2 websites to check for statements, etc. I find it quite annoying actually.

      • Duram on 29/05/2018 - 15:04

        No problem, if you were able to get a loan prior to churning cards (IE your finances are in order) you'll be fine after churning cards, if you don't have your finances in order well it doesn't really matter either way does itt.

  • Dr Prepper on 29/05/2018 - 13:00
    +1

    Eligible purchases: do not include cash advances, interest, balance transfers, fees and charges for traveller’s cheques and foreign currencies. For the full list of exclusions, please refer to the American Express Westpac Altitude Cards Points Terms and Conditions available. Government: Merchants classified as “government” include the Australian Taxation Office, the Australian Postal Corporation (Australia Post), federal/state and local government bodies.at americanexpress.com/australia/altitude-points-t&c

  • Hunter590 on 29/05/2018 - 13:08
    +6

    Are existing AMEX holders (e.g. Platinum Edge) eligible for the points offer? Can't seem to find any info on this.

    • mit on 29/05/2018 - 13:10

      also interested to know. I couldn't find anything either. I want to know so I can still apply for the next platinum edge deal when it comes around.

      • [Deactivated] on 29/05/2018 - 13:35
        +2

        from https://www.ozbargain.com.au/node/375572

        To be eligible for the bonus points, you must not have held a direct-issued AMEX credit card in the last 18 months. The following card holders are eligible for the offer:

        Bank-issued AMEX companion card holders (including cards issued by NAB, ANZ, Commonwealth Bank or Westpac)
        • Been on 29/05/2018 - 13:42
          +2

          would you happen to know if the above relates only to the 15,000 points or the 75,000 as well?

        • sAmiZZle on 29/05/2018 - 16:45

          Are you sure those terms apply to this offer? The Westpac site has no mention of that. It just says this,

          American Express Westpac Altitude Platinum bonus points promotion: Offer only available to Cardholders who apply online for the new American Express Westpac Altitude Platinum Card between 28 May 2018 and 31 July 2018, are approved and spend $3,000 on eligible purchases on their new Card in the first 90 days from Card approval. Eligible purchases do not include cash advances, interest, balance transfers, fees and charges for traveller’s cheques and foreign currencies. For the full list of exclusions, please refer to the American Express Westpac Altitude Cards Points Terms and Conditions available at americanexpress.com/australia/altitude-points-t&c Bonus Points will be awarded to the eligible Card Member’s account 8-10 weeks after the spend criteria have been met."

    • twitch1979 on 29/05/2018 - 13:42
      -1

      Yes you are eligible.

    • ajamedor on 29/05/2018 - 16:06
      +1

      Since the Platinum Edge and the "Westpac" Altitude AMEX are both "AMEX-Issued", I would presume you would only qualify for the Visa proportion (75k).
      I called AMEX and asked them about the Altitude and they stated even though it has a Westpac branding, it's issued and billed directly from AMEX

  • [Deactivated] on 29/05/2018 - 13:12

    You're best off applying for the Qantas card to get 75k as Qantas points then switching to Altitude.

    • JuryWheel on 29/05/2018 - 13:15

      Why's that?

      Also, just to clarify, these points are completely separate to amex points right?

      • [Deactivated] on 29/05/2018 - 13:21
        +1

        Assuming you value velocity and qantas points the same, then the earn rates are the same and the qantas bonus points are worth twice as much. The value of earning in altitude is you can wait for a bonus offer to transfer them making them worth more.

        And yeah, these are separate to any amex program, even the amex earns in qantas/altitude.

        • Autonomic on 29/05/2018 - 20:41

          How are the Qantas points worth twice as much? Aren't they limited to Qantas / Qantas store? Sorry if this is a dumb question

        • soangry on 29/05/2018 - 20:47

          @Autonomic: 75k altitude points = 37500 velocity points

        • Rocket6 on 14/08/2018 - 22:30

          @Autonomic:

          @soangry - true, but Qantas also have much less value in their points. You can fly domestic with Virgin for approx. 10k velocity pts, you'd need about 50k to fly domestic with Qantas.

          Velocity is much better points value (and also relevant to airline, imo)

  • reddead2067 on 29/05/2018 - 13:25

    Will applying for these cards, earning the points, then cancelling affect our credit rating?

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