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Westpac Altitude Black - 80,000 Bonus Qantas or Virgin or Altitude Points with $4,000 Spend within 90 Days ($50 Fee)

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Westpac Altitude Black - 80,000 Bonus Qantas or Virgin or Altitude Points with $4,000 Spend within 90 Days ($50 Fee)
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chillybags on 05/08/2019 - 08:25 westpac.com.au (14482 clicks)
Last edited 01/02/2020 - 14:44 by 3 other users

Big kudos to ravendr for posting this deal for the platinum card @ 60k points for $50 fee. I just took that link and changed the "platinum" in the link to "black" and it came up with this great offer!

Mastercard sign up bonus is 80,000 Velocity, Qantas or Altitude rewards points after $4,000 spend in 90 days. No annual fee for the first year just $50 fee to if you choose qantas or velocity points. Card comes with a couple of lounge passes and travel insurance as most similar cards do. Standard exclusion of not having had this card in the previous 12 months applies.

From their website:

Enjoy 80,000 bonus Altitude, Velocity or Qantas Points when you spend $4,000 on eligible purchases on a new Altitude Black credit card within 90 days from card approval.
Annual card fee: $0 in the first year, $250 thereafter
Annual rewards program fee: $0 if you choose Altitude Rewards; $50 if you choose Altitude Velocity or Altitude Qantas

Minimum credit limit: $15,000
Minimum income required: $75,000

Financial Credit Card

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closed Comments

      • PorkHunt on 05/08/2019 - 10:43
        +2

        I think he/she meant:

        Has Anyone Really Been Far Even as Decided to Use Even Go Want to do Look More Like?

      • jackx on 05/08/2019 - 11:00
        +1

        I think what he/she meant is: Note that you don't "pay" a single $$ if this …

        I had a Altitude Black card along with my Westpac mortgage, every year I get charged a $395 package fee but never paid CC fee.

    • Heybargain on 05/08/2019 - 10:46

      You need to pay the membership fee. Just the yearly fee is waived.

    • Cheap Bastard on 05/08/2019 - 10:51

      I'm kinda new to this whole thing. I signed up to the St George promo a few months back. I've received the 80k Qantas points but when do I receive the lounge passes?
      Do I also just cancel when I receive the points and sign up to this offer? Thanks in advance.

  • MrBillions on 05/08/2019 - 10:28

    Do you get status points with this card?
    Do you get points for government spend ex taxes?
    Thanks

  • [Deactivated] on 05/08/2019 - 10:35
    +2

    Would paying local council rates count as an eligible transaction?

    • maccam01 on 05/08/2019 - 10:57

      I have the same question. My council has payment through Bpoint on the council's website. So not sure if that is classed as a "Bpay Equivalent". My bpoint payment is through the councils website so it seems a bit different to logging into the westpac internet banking and paying a Bpay bill through the westpac site. In the past with other westpac cards with similar conditions I still got rewards points for my council Bpoint payments but never really sure if i was just lucky.

    • petestrash on 05/08/2019 - 11:02

      Doesn't seem to exlude councils, only bpay and ATO

      "Eligible purchases do not include fees, cash, cash equivalent transactions, payments to the Australian Tax Office, BPAY, BPAY equivalent transaction, refunds and balance transfers debited from the card account."

    • od810 on 05/08/2019 - 13:19
      +3

      If your council supports Post Billpay, just use that.

  • ilubbargains on 05/08/2019 - 10:42
    +18

    For those chasing Krisflyer points, make sure you select the Velocity bonus points over Altitude Reward per the following conversion rates:
    Velocity > Krisflyer 1.55:1
    Altitude > Krisflyer 3:1

    • gstfree on 05/08/2019 - 12:45

      Thanks.

    • aragornelessar on 05/08/2019 - 13:10
      +1

      Heaps important info - Thank you!

      • aragornelessar on 05/08/2019 - 13:14

        Also the better earn rate is slightly in Velocity memberships' favour

        1.25 Altitude points per dollar => 0.42 KF points per dollar
        0.75 Velocity points per dollar => 0.48 KF points per dollar

        How's that stack against other KF earn cards?

    • greenie on 05/08/2019 - 13:21

      Thanks, was wondering about this!

    • fLaMePrO on 05/08/2019 - 15:25

      Dear me, I can't decide. I have ~120k Qantas points and ~20k Velocity points. Krisflyer sounds much more appealing, but I'd basically be starting again..what to do!?

      No time like the present I suppose..

      • Slo20 on 06/08/2019 - 05:19

        You could always sell your qantas points for $1320-$1440 to ease the burden of starting again with velocity points.

        • fLaMePrO on 06/08/2019 - 15:22

          Yep good point, still toying with that idea. I could redeeem them for some domestic business flights but seems like a waste.

  • petestrash on 05/08/2019 - 11:01
    +1

    I think this is a nice bonus for those that choose the Velocity program:
    When you choose Altitude Velocity rewards you can also enjoy 2 Economy X seat upgrades a year, on selected domestic Virgin Australia flights.* To receive the upgrades, simply provide us with your Velocity Frequent Flyer number and make a direct spend at Virgin Australia on your Altitude Black Mastercard®. Vouchers will then be available in your Velocity Frequent Flyer account within 10 business days.*

    To redeem your Economy X Seat Upgrade vouchers you must first book an eligible domestic flight directly with Virgin Australia. Once you have booked an eligible domestic flight with Virgin Australia, you will need to call the Virgin Australia Guest Contact Centre on 1300 038 373 to redeem your Economy X Seat Upgrade vouchers.*

    Also:
    " 50 Velocity Status Credits once you've spent $10,000 on eligible purchases in the first year."

  • SnowDragon on 05/08/2019 - 11:40
    +1

    Well that was approved quickly.

    What to spend 4k on?

    • RHSteven on 05/08/2019 - 12:50

      Should have waited for a month more for x'mas time.

      • jesseboy89 on 05/08/2019 - 17:05
        -1

        Christmas in, September?

        • 5k on 05/08/2019 - 17:18

          I think RHSteven meant that if you had waited a month to get the card you would be within the 90 day window for your Christmas spending (ie. Sep-Dec)

    • DryScissors on 05/08/2019 - 19:02
      +2

      Woolies vouchers

    • aldoboy on 05/08/2019 - 19:06

      What documents do we need to provide?

      • SnowDragon on 05/08/2019 - 19:19
        +1

        I am a westpac customer already.

        Just had to chuck in my income, liabilities, living situation, dependants and savings.

        Took about a minute or two to process.

        • 5k on 06/08/2019 - 00:37

          did you have to upload payslips?

          • SnowDragon on 06/08/2019 - 08:05

            @5k: No I didn't, which was surprising.

            There was no part for uploading anything. I guess they just trawled through my transactions.

            • imeanit on 06/08/2019 - 22:17

              @SnowDragon: They check bank transactions to validate your salary.

              I applied for the card, and it asked me to logon to Comm Bank, it scanned through transactions for moneis coming from my employer. Else there was an option to upload payslip as well.

  • johnno1987 on 05/08/2019 - 12:13

    Maybe a really stupid question, but can you do a joint application? I’m just under the minimum annual income.

    • RHSteven on 05/08/2019 - 12:20

      doesn't necessarily need to meet the minimum income requirement, it will look at your assets as well as a whole and credit history.

      • try2bhelpful on 05/08/2019 - 15:19

        Thanks for info. I’m recently retired bit I do have a reasonable amount of money and shares. Will give them a ring.

  • Kaochu on 05/08/2019 - 13:28
    +1

    I have SG amplify card, so am I still eligible for the bonus points offer?

    • csider on 05/08/2019 - 16:48
      +1

      Even though one owns the other, i had no issues getting bonus points from both, one after the other. However, you can't do it with say SG and Bank of Melbourne.

  • pitpicker on 05/08/2019 - 13:40
    +1

    Would it work if i use it to pay my HECS through MyGov?

    • 5k on 05/08/2019 - 17:19

      This would be such a smart way to have a backup method if it actually qualifies!

  • Pumpkin_rrr on 05/08/2019 - 13:54

    I signed-up for a similar deals a few years back (Altitude Black), and 12-months gone too fast. After that the fees kicked in at around $400! Was too busy to change card, had Direct Debit set-up and habit.
    It's be reduced to $250 now but I still wonder why would I keep this card and paying that amount of fees? Sigh….

    • nightelves on 05/08/2019 - 14:44

      Cancel and get a pro-rata back on your annual fee.

      • Daddyhere on 07/08/2019 - 10:04

        How is the pro-rate works? can you even get your money back from bank??

  • ar7ist on 05/08/2019 - 14:39

    Hi,

    I'm a credit card newbie. I got my first credit card last year in December (CBA Basic Awards Card). It's been 8 months since I got my card. I've always paid the due amount on time.

    Had a few questions/concerns:
    1. How long should I wait before applying for a new credit card? Is there a general rule?
    2. Every time I apply for a credit card, does my credit score go down?
    3. If I've reached my point cap, should I just use the points on my current card, close the card and get a new card?
    4. I heard that spending also impacts the credit score. Just for an example, if my limit is 9000, and I spend 6000 but pay 5000 off before the statement period, would 6000 count as my credit utilization or 1000?
    5. I've read the credit card wiki guide here on OzBargain which was helpful. Although I'm still deciding what type of card should I get, or maybe get multiple cards. One for travelling (to avoid overseas charge) and one for points. So applying for two cards at the same time, is that considered bad?

    Would really appreciate some input. Income is 60k.

  • nightelves on 05/08/2019 - 14:53
    +1
    1. No set rule. If I was. credit card churner may be one every three months.
    2. Credit score will go down with each credit card enquiry but will start to go back up after 6 months to 1 year if you applied for no other credit card.
      3 Card churners usually go after the bonus point signup and cancel the card once they’ve achieved it.
    3. Not sure
    4. Amex David Jones is a good one with 45k Reward points or 22.5k Qantas points and you’re still able to apply for another Amex card afterwards.
      Anz Travel Adventure another good one that pops up now and then and Citibank and Virgin Money credit card.
  • chumstar on 05/08/2019 - 15:13
    +1

    Thanks OP, I've been looking for a deal like this for months. I was actually looking at the Qantas CC website and it still shows up with the full annual fee, so this deal is definitely a great find.

  • jackwilk on 05/08/2019 - 15:55

    perfect timing, thanks OP.

  • RocketSwitch on 05/08/2019 - 16:52

    Hm, not sure if can spend $4K, might wait another month for Christmas.

    • jesseboy89 on 05/08/2019 - 17:06
      -1

      Buy a full fare business class airfare and get it refunded

      • xrailgun on 05/08/2019 - 17:51
        +1

        wtf… does this actually work? any tricks to it?

      • Daddyhere on 07/08/2019 - 10:01

        interested to.. how?

      • 0 0 0 on 07/08/2019 - 22:10

        and also follow the lead of the guy in China who did this just to get free entry to eat at the airport lounge. After a year he got a full refund on his ticket :)

    • Xizor on 05/08/2019 - 17:42

      Stock up on gift cards for groceries, you know you'll use them eventually.

      • RocketSwitch on 05/08/2019 - 20:20

        That's a good one, thanks.

      • 5k on 06/08/2019 - 00:13

        great idea - eGiftcard for Woolies would work right? have to get them at 5% off for Opal anyway!

  • xrailgun on 05/08/2019 - 17:31

    If you choose Altitude Qantas, you are eligible for 2 Complimentary Invitations per year after you spend on eligible selected Qantas products and services each year using your Altitude Black Mastercard

    Do we have to book through Qantas for this? Or can we book a Qantas flight through, for example, expedia?

  • footyboy on 05/08/2019 - 17:57

    What's the value of 80k Qantas points. Aka what can that get me in vouchers/equivalent/air miles?

    • vetopower on 06/08/2019 - 09:03
      -3

      80K Qantas points gets you 80K Qantas air miles.

  • LSGH on 05/08/2019 - 18:07
    +1

    just make sure to make a calendar reminder to cancel the cards before 12 months comes up, I got last years promo and forgot to do it and had to pay the annual fees (Platinum $150 and $50 for qantas

  • JuryWheel on 05/08/2019 - 18:07
    +4

    Always curious to read that people earning over 75k can't spend $1350pm for 3 months…..your saving power must be immense!

    • pakkapie on 06/08/2019 - 22:52

      Add the ability to Samsung/Google/Apple pay most cards into your wife's/significant others phone and it's even easier.

    • Daddyhere on 07/08/2019 - 10:00

      I cant find a reason to spend :(

    • RedSky on 11/08/2019 - 10:09

      As a single, $1,350/m on mostly discretionary is a lot. Most of my savings get almost immediately invested in shares. No car, rent is DDed, don't eat out that often. If I meal prepped instead of buying lunch it'd be even harder.

      • bohn on 11/08/2019 - 15:54

        which shares?

        • RedSky on 11/08/2019 - 16:14
          +1

          I actively invest primary in US shares through Interactive Brokers. My USD exposure is entirely hedged through an FX broker. The way the AUD has trended in the past few years however, I really wish I had just let my FX exposure run :)

          Currently I'm in a mix of US pipelines, LNG infrastructure / shipping, Chinese internet firms. Relatively risky and mixed success at the moment, but I'm comfortable with my position medium term and have a high risk / drawdown tolerance.

          Not AUS shares because they have (1) higher commission, (2) less liquidity, (3) less access to global firms, (4) fewer free fundamentals research resources e.g. SeekingAlpha, (5) lack the free screeners / analysis tools available like Finviz, GuruFocus for US shares.

          • bohn on 11/08/2019 - 20:39

            @RedSky: Interesting :)
            I have been researching getting back into shares and was looking at the US market too. I hadn't really thought much about points 4 and 5 but I'll be looking into that too.

  • yanman on 05/08/2019 - 18:24

    I wish deals like this had the type in the title, or at least in the description. I looked at this wondering AMEX? Mastercard? VISA?

    • chillybags on 05/08/2019 - 18:31

      Fair point, I added mastercard into the description. Other than an amex i see zero difference between mastercard and visa and have no preference. Perhaps others have an preference?

      • nignucial on 06/08/2019 - 15:24

        Probably for Mastercards/VISA specific deals?

  • jasonmurray on 05/08/2019 - 18:56

    Does anyone know how fast the Velocity points are credited to your account once you hit your minimum spend?

  • Benzy on 06/08/2019 - 00:08

    I have applied the Westpac's Altitude Black World Mastercard last Oct 2018 however the application was declined.

    Do i meet the rewards point condition? As i didn't have Westpac card in last 12 month even though i have applied for it.

    • 5k on 06/08/2019 - 00:15

      I dunno why you would become excluded, you never became a westpac customer. so you should be good.
      Just wondering though, when you were declined did you see a drop in your credit rating?

      • Benzy on 06/08/2019 - 00:42

        Didn't check at that time. However my current credit rating is excellent. So seems like didn't make much difference / impact.

  • tangy on 06/08/2019 - 01:30

    thanks for posting - been looking for something to replace my Amex PE card for a while now so I'll give this a crack.

    Does anyone know if all the Amex deals still come on the free Amex cards?

    Cheers

  • volkauno on 06/08/2019 - 07:09

    damn… already applied and got approved for other QFF CC for 60K bonus points for the same annual fee ($50)….

  • BloodyOath on 06/08/2019 - 08:57

    Just ditched this one… Come on ANZ, NAB, Bankwest, bring the fee free first year.

  • lovepub on 06/08/2019 - 09:17

    Does supplementary card holder get hit with credit check?

  • JohnyEnglish on 06/08/2019 - 10:10

    I have low rate visa card from westpac earlier this year. Am i Still eligible for this offer?

    • Heybargain on 06/08/2019 - 10:21

      Just to save you from clicking on the link and reading the fine print:

      ^Bonus Rewards Points Promotion for Westpac Altitude Cards: The respective bonus points promotion is available when you apply and are approved for a new Altitude Platinum or Altitude Black card between 17th June 2019 and 15th October 2019 and spend the minimum amount of $4,000 on eligible purchases on an Altitude Black card or $3,000 on eligible purchases on an Altitude Platinum card within 90 days from card approval in one or more transactions.
      Eligible purchases do not include fees, cash, cash equivalent transactions, payments to the Australian Tax Office, BPAY, BPAY equivalent transaction, refunds and balance transfers debited from the card account. The bonus Altitude Points, Qantas Points or Velocity Points will be added to your points balance within 12 weeks once you meet the eligible spend criteria. Existing Westpac customers who currently hold an Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months, are not eligible for this offer. Qantas or Velocity Points earned during a statement cycle are added to your Qantas or Velocity Points balance on a monthly basis."

      • Ghogger on 07/08/2019 - 07:07

        Wondering how closely they watch the eligibility of offer for holders of previous cards. Cancelled my Altitude Platinum recently, any chance I would still get the bonus point with the Altitude Black card?

        • Daddyhere on 07/08/2019 - 09:57

          Would think its done automatically by their system?

  • [Deactivated] on 06/08/2019 - 11:44

    How strict are they with 75k earning? I've got well into 6 figures in savings and most approve me. I took a pay-cut so I could finish studies, but generally it's been ok in the past.

    Otherwise I'll apply for the 60k bonus points.
    Im going to run out of banks soon, currently hold ANZ, Virgin is done by tomorrow.
    St George is approved, now I'll do Westpac.
    What is left? NAB? Amex I'll be waiting 12 months 🤣🤣🤣

    I need to keep a card with highest point earnings prefer no international fees aka hence I kept ANZ.

  • nignucial on 06/08/2019 - 15:21

    Conditionally approved and verified my income online - hopefully, i won't get a rejection letter in my mailbox a few weeks later.

    • 5k on 06/08/2019 - 17:53

      Did you have to upload payslips?

      • nignucial on 06/08/2019 - 19:20

        Sort of - got the options to either upload them or allow them to read my credit transactions in one of my bank accounts that has been receiving salary payment. Did the later instead.

        And~ then approved around 6pm. It's quite a breeze given that I was just rejected by AMEX today at $3k limit.

  • Moderatormoocher on 07/08/2019 - 10:41

    Westpac has contacted us to advise that the offer is only existing customers who have received the offer by email. Deal description updated.

    • RHSteven on 07/08/2019 - 11:06

      So what for those who has already got (conditionally) approved?

      • Moderatormoocher on 07/08/2019 - 11:19

        It's possible that the bonus points/min spend won't be the awarded. It's best to check with Westpac directly.

        • Numpty21 on 07/08/2019 - 12:10
          +2

          i got approved yesterday

          just been on the chat and they have confirmed that "you will receive an 80000 bonus Altitude, Velocity or Qantas points when you met the $4000 eligible purchases.
          For the annual fee, you will not be charge an annual fee for the first year of your card"

          • [Deactivated] on 07/08/2019 - 15:01

            @Numpty21: So it works/worked for non Westpac customers?

            • Numpty21 on 07/08/2019 - 15:15

              @[Deactivated]: I'm not a Wectpac customer now (was previously)

              The link provided doesn't say anything about having to be an existing customer, it even provides information on how to become a Westpac customer.

              • nignucial on 07/08/2019 - 15:35

                @Numpty21: Not in T&C so can probably ignore, but best to ask if you've been approved.

                • Numpty21 on 07/08/2019 - 15:39
                  +1

                  @nignucial: yeah i asked this morning in live chat
                  they confirmed that i was eligible for the bonus points and $0 annual fee 1st year.
                  have a copy of the chat should i need it down the track.

                  • nignucial on 07/08/2019 - 15:43

                    @Numpty21: I think it's more of a desperate attempt to discourage people from applying once they knew they messed it up.

                    • lovepub on 07/08/2019 - 15:49

                      @nignucial: Why stop ppl from applying?
                      The more ppl use their card, the more money they make.

                      • nignucial on 07/08/2019 - 15:59

                        @lovepub: You tell me? What you said makes sense, but otherwise I couldn't find a reason for them to advise OzB that "the offer is only existing customers who have received the offer by email".

                        • Xizor on 07/08/2019 - 16:54

                          @nignucial: Agree it is highly puzzling. I see in the address for the page it has "xl-dm", DM being a common abbreviation for direct marketing. But there is nowhere in the page that indicates it is limited in any way other than for existing/12 month prior holders of certain cards.

          • starburstyellow on 07/08/2019 - 23:18

            @Numpty21: Can you tell me how you get to the Chat page? Ive found it on my westpac app and also online, however from what I understand is that chat is a "Bot".

            • Numpty21 on 07/08/2019 - 23:44
              +2

              @starburstyellow: I just kept typing “live chat” when talking to the bot and after a few repeats it said “ sorry we don’t understand would you like to speak with a banker”
              Not sure if it’s 24 hr so maybe give it a go tomorrow

              • starburstyellow on 08/08/2019 - 09:20

                @Numpty21: Lol that genius. Ok will give it a try later in the Office.

                • aragornelessar on 08/08/2019 - 14:04

                  @starburstyellow: That also works for the phone call centres that ask you to press 1/2/3 or tell it what you are looking for. Eventually if you confuse/answer wrong enough times it will get you through to a human

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