12 months wait is up since having a black credit card and just found this on Westpac's site.
$250 annual fee for mastercard and $199 for amex
there is also this one if you want $80k for $250
https://www.westpac.com.au/personal-banking/credit-cards/rew…
$450 for $120k is worth it to me as I use points for business class flights , weigh up whats best for you
Receive 80,000 bonus Qantas or Altitude Points
When you apply, are approved and spend $3,000 on eligible purchases on your new Westpac Altitude Black Mastercard® within 90 days of Card approval.#
plus
Receive 40,000 bonus Qantas or Altitude Points
When you apply, are approved and spend $3,000 on eligible purchases on your new American Express® Westpac Altitude Black Card within 90 days of Card approval
Existing Westpac customers who currently hold an Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Platinum or Altitude Black credit card in the last 12 months, are not eligible for this offer
$500 card fee? Hell no