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Westpac Altitude Black - 90,000 Bonus Qantas / Virgin Points with $4,000 Spend within 90 Days ($50 Fee) | 30k Points in 2nd Year

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Westpac Altitude Black - 90,000 Bonus Qantas / Virgin Points with $4,000 Spend within 90 Days ($50 Fee) | 30k Points in 2nd Year
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doweyy on 01/04/2020 - 11:17 westpac.com.au (3057 clicks)
Last edited 02/04/2020 - 10:25 by 1 other user

Greetings everyone, seems like Westpac has upped this offer today :)

  • Apply for the Westpac Altitude Black card and spend $4,000 or more on eligible purchases† within 90 days of new card approval and you'll get the initial 90,000 bonus Qantas Points or velocity Points.
  • Plus, you'll receive an additional 30,000 bonus Qantas Points after making the first eligible purchase† in the second year of your card account being active.~

Uncapped points earn rate: 0.75 Qantas or Velocity Points per dollar spent on eligible purchases, uncapped6
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
Variable purchase rate: 20.49% p.a.
Variable cash advance rate: 21.49% p.a.
Interest free days on purchases: Up to 45
Minimum credit limit: $15,000
Minimum income required: $75,000

Offer excludes customers who hold/held any Westpac Rewards credit card in the last 12 months. New cards only. Offer ends 5th August 2020. T&Cs apply.

If you choose Altitude Rewards you can register your Altitude Black Mastercard to receive 2 complimentary lounge visits per year to use at more than 1000 VIP airport lounges worldwide.
If you choose Altitude Velocity, you just need to provide us with your Velocity Frequent Flyer number and make a direct spend at Virgin Australia each year from your card open date.3 The Virgin Australia domestic lounge passes will then be available in your Velocity Frequent Flyer account within 10 business days, ready for you to enjoy the next time you travel domestically with Virgin Australia.
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. You must first register and opt in to take advantage of this feature.

Edit: You may need to sign up to a free transaction account or first, reports it's available to existing customers only.

As always, enjoy :)

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closed Comments

  • Hogg on 01/04/2020 - 11:26
    +5

    What happens if the airline's go bust?

  • maverick1 on 01/04/2020 - 11:30

    Is this targeted? When clicking apply now using your link, it asks to login using Westpac CID and Pwd?

    • fractalsonfire on 01/04/2020 - 15:10

      Looks like its still the same deal from a month or two ago. Only applicable if you're an existing westpac customer.

      You'll need to apply for a transaction account or something to get this.

  • coldazure on 01/04/2020 - 11:30

    Ooooh, nice. Applying right after I'm done with my ANZ Platinum churn.

  • sssbp on 01/04/2020 - 11:33

    Thanks OP!

  • jsjc on 01/04/2020 - 11:33

    Great deal! But still no Apple Pay ruins it for me 😔

  • sssboi on 01/04/2020 - 11:38

    How flexible are banks with the minimum income requirement? I'm within 5k of the minimum, should I give it a shot?

    • mustbargain on 01/04/2020 - 12:05

      yeah you should. I have found they tend to be pretty flexible when i've applied

    • teereb on 01/04/2020 - 12:28

      In my, well my wifes experience, really strict. She was $1,500 short and they were a definite NO.

      This was a few years ago now, so it might have changed, and I can't remember which bank either sorry.

      No harm in asking though.

  • AussieDeals on 01/04/2020 - 11:44

    What is everyone planning to spend their points on and do you think they will retain the same redemption value (i.e. there will not be any devaluation of points as has happened occasionally) in light of the situation the airlines find themselves in? Thinking of applying but on the fence still

    • Bezoo on 01/04/2020 - 12:46
      +1

      I redeemed all my virgin points for gift cards last week. Got about 1200 for 210k points. I don’t think virgin will survive and if they do the points will be worth much less

      • Oneguyinmelb on 01/04/2020 - 13:14

        I did the same with my virgin points. Going to try and secure my virgin flight voucher too, just in case the government does step in to save them….but they cancel their FF program.

      • danyool on 01/04/2020 - 14:31

        Hmm. Good idea

  • craving on 01/04/2020 - 11:49
    +1

    Does anyone know what can 90000 points get you?

    • mdavant on 01/04/2020 - 12:01
      +18

      It would get you to number 1 NBA scorer of all time that is for sure.

    • cyruslol on 01/04/2020 - 12:05

      94000 pts will get you to UAE in one way business class

  • bugsbunny on 01/04/2020 - 11:50

    I'm a secondary account holder - does anyone know if this excludes me?

    • maverick1 on 01/04/2020 - 11:55
      +1

      No. Secondary holders are not excluded…you can apply…

  • dirkgonnadirk on 01/04/2020 - 11:59

    having st.george card in past 12 doesn't exclude it seems?

    • [Deactivated] on 01/04/2020 - 14:13

      it does seem

      • daanish on 01/04/2020 - 15:22

        Can you give a source that having a St George card excludes you from this offer? I'm about to cancel my St George and looking for a new offer.

        • [Deactivated] on 01/04/2020 - 16:45

          i was agreeing it doesn't exclude

  • VBHB on 01/04/2020 - 12:06
    -3

    Wow talk about predatory lending.. in this market atm?

    • maxo84 on 01/04/2020 - 12:22
      +1

      Huh, how is a standard credit card offering predatory lending?

    • anthman on 01/04/2020 - 12:41

      Only if the entry criteria is lower than it should be (i.e. irresponsibly low) - thus making it available to those who do not have the means to safely spend/pay off.

    • dsar on 01/04/2020 - 14:55

      How is it predatory lending?

  • tobinm on 01/04/2020 - 12:08
    +8

    FYI fee is only waived if you are a current customer. Obviously you could sign up for a basic transaction account first if you wanted to.

    • donamique on 01/04/2020 - 14:49

      hmm can't find that clause on the site?

      • tobinm on 01/04/2020 - 15:31

        You'll have to go digging through this one (and possibly similar) for history around the promotion.
        https://www.ozbargain.com.au/node/474918
        But essentially if you try clicking apply it asks for a customer number.

    • snuke on 01/04/2020 - 21:51

      That's not what the T&Cs say

      "+First Year Annual Card Fee Waiver: is available when you apply and are approved for a new Altitude Black credit card between 1 April and 5 August 2020. The first annual card fee will be debited to your card account on the 12-month anniversary of the first transaction on your card account and annually thereafter."

  • [Deactivated] on 01/04/2020 - 12:15

    Are you eligible on a jobkeeper/jobseeker allowance lol

    • [Deactivated] on 01/04/2020 - 12:27

      If the dole payment is as much as the min payment. When that is the case, we have a very serious (oppose to serious) issue in this country.

  • ellfabla on 01/04/2020 - 12:30

    I applied and got approved for this credit card in the last week…anyone had any experience getting the $0 annual fee afterwards??

  • plal on 01/04/2020 - 12:37

    so do i need to have a Westpac Live Online Banking acc in order to sign up?

    • [Deactivated] on 01/04/2020 - 13:59

      yes, open a bank account.

      • plal on 01/04/2020 - 19:35
        -1

        I'm unable to find any links to open a Westpac account. Do you know how to?

  • Pandaroo on 01/04/2020 - 12:51

    Good deal, 10k increase from the previous deal which just ended.

  • Baghern on 01/04/2020 - 12:55
    +2

    Anyone can confirm is the points are obtainable with Bpay payments?

    CBA doesn't

    ANZ does
    AMEX does

    Edit:

    Actually found it. No bpay or similar this would make it difficult for a lot of people. Op can you add the no bpay or similar as eligible payment to the topic

    What doesnt count as an eligible payment
    -Interest
    -Fees and charges
    -Cash or ATM cash advances
    -Cash equivalent transactions
    -Gambling transactions
    -Payments to the Australian Tax Office
    -Government charges
    -BPAY ® or similar transactions
    -Refunds
    -Balance transfers debited from the card account

    This is worse than CBA, as with CBA you could use Bpoint

    • CyberMurning on 01/04/2020 - 13:25

      so whats your suggestion to spend $4k..
      im thinking: prepaid electricity, water, gas, internet, private health.

      yes bpay not egilible, but some for example agl you can go to their website and make payment from there. probably got some surcharge, not sure. usually low anwyay.

      • od810 on 02/04/2020 - 01:28

        Try to see if you can use post billpay, they have option to use Paypal. I usually pay my council rate, water bill using Paypal via Post Billpay

        • CyberMurning on 02/04/2020 - 08:03
          +1

          Lots in Victoria but less in NSW using billpay

        • Baghern on 04/04/2020 - 15:49

          Issue is this part…
          or similar transactions

          • od810 on 10/04/2020 - 16:44
            +1

            @Baghern: No but you can pay postbillpay with paypal, so your card provider only see it as paypal transaction.

  • [Deactivated] on 01/04/2020 - 12:58

    Alot of options atm, but I wanna limit my spending incase the Economy gets worse! I dont feel anyones job is safe if this keeps up for another 6months.

    • Suspect420 on 01/04/2020 - 16:02
      +1

      Administrators are gonna be busy!

  • dakum on 01/04/2020 - 13:08

    cannot sign up without customer log in?

  • prash209 on 01/04/2020 - 13:23

    Any current user of this card, could you export your statement transactions to spreadsheet?

  • [Deactivated] on 01/04/2020 - 14:06

    I signed up for this in the previous 80k deal for the velocity card. After I activated it they offered an add on amex with 20k points, 25 status credits and no annual fee for the first year with a 3k spend in 90 days. 18 months exclusion for westpac amex cards meant I was ineligible.

  • No ONE on 01/04/2020 - 14:24
    -1

    Will Qantas survive if taxpayer don't bail out.

  • sircamel on 01/04/2020 - 14:25

    Can't seem to find if this is available with a second card linked to the same account. Anyone know/can find it?

  • esty on 01/04/2020 - 14:45

    aint no one gonna be spending the next few months… apart from buying TP and Pasta.

    • [Deactivated] on 01/04/2020 - 14:57

      yeah nobody is buying anything, dunno why the supermarket shelves are empty.

      • esty on 01/04/2020 - 16:22

        mines fully stocked.

  • daanish on 01/04/2020 - 15:26

    $50 for 90k QFF points on this offer seems a better deal than the $150 for 120k points with current ANZ Black deal. Same min spend ($4000/90days) too. Any glaring pitfalls I've missed?

    Edit: Other than potential collapse of QAN and the QFF program.

    • [Deactivated] on 01/04/2020 - 16:43

      i'd pay $100 for 30000 points

      • daanish on 01/04/2020 - 17:08

        Hmmm - running the numbers you are probably right. At the standard 1c/point rate you're $200 equivalent ahead with ANZ. I am at least 1 month away from being ANZ eligible though.

      • maxibon on 01/04/2020 - 20:40

        Genuinely seeking help here! I have been accumulating for a few years but never able to spend them. Most flights work out (after 500+ tax) to be $100-200 less than the regular pay without point. What is a better value option to spend points. I have about 500k points and I have tried Paris, Rome, Barcelona, Milan, HK, Japan (osaka + tokyo + sapporo), Beijing and Nanjing, they all seem to be not very good value (i normally get cheapest tickets though).

        • Tangenyahu on 01/04/2020 - 21:05
          +1

          Getting the cheapest tickets is your problem. You will get far far better value on business or first class. I went to Barcelona with Emirates last year in first using Qantas points and it was amazing. Spoil yourself!

        • bausie on 01/04/2020 - 21:51
          +1

          Google pointshack. Amazing site with tutorials. You nearly have enough for two business class rtw ticket returns.

    • Baghern on 01/04/2020 - 19:47

      Can't use bpay or similar to get the required spend

  • ilubbargains on 01/04/2020 - 15:39

    Darn, only cancelled back in Nov 2019.

  • PetPenguin on 01/04/2020 - 15:42

    It's the first time that I apply for a credit card. All expenses are split between my partner and I. Is it how I should enter it, or should I put the total monthly mortgage repayment and expenses? Also, how can I obtain a second card for my partner, is it after I have applied for it and been accepted? Cheers

    • CyberMurning on 01/04/2020 - 15:54

      gessus do you really think they will check what you put there as your expenses? like calling you hey where is the receipt for your kebab? your weekly expenses short of $3.90 maybe kebab is the missing one?

      just put any number as low as possible but still make sense.

      • PetPenguin on 01/04/2020 - 16:01

        ? That's not what I asked… All I am saying is, I am only putting down my income, not my partner's, so should I only put down my half of the mortgage and expenses, or the total since this is what's coming out of the account. We are talking about a few thousand dollars, not $3.90.

        • daanish on 01/04/2020 - 17:00
          +1

          I live with my sister and usually only put down my half of rent, bills, grocery costs etc that we split despite the full value being spent on my card as she doesn't have a CC.

          Like you said, it's based only on my income so I only list the value of my half of the expenses.

      • Nuggets on 08/05/2020 - 21:20

        I laughed out loud, thanks

    • PoKGuy on 01/04/2020 - 21:40
      +1

      Apply for second card holder once you've activated your card.

      In my application, I put down all the expenses that I'm liable for (my wife and kids).

      Think it was $5k a month and they had a pop-up-box for me to double confirm it's more than $5k per month.

      Yea, wife and kids are expensive…

      • PetPenguin on 02/04/2020 - 00:45

        Ah right, apply once the card is activated.
        Yeah I got the same pop-up box which made me doubt. Thanks for your input!

  • jsheroes on 01/04/2020 - 15:50

    Anyone still selling points at the mo? What's current going rate?

    • coolsteps on 01/04/2020 - 16:08

      yeap id like to get rid of my virgin points not sure if i should transfer them to singarpore kris flyer program for safe keeping incase virgin goes bust dont think gov will bail them out.

    • SmokeyTheCorgi on 01/04/2020 - 17:31

      I do. My last transaction was at 1.1. That seems to be the ceiling as of about 3 months ago.

  • mustbargain on 01/04/2020 - 15:59
    +1

    You have to call once approved to make sure they change your annual fee to $0, mine got approved within 2 hours but when i called and asked what my fee was she said it was $250. I managed to get them to change it to $0 for the cc fee.

    • supaderp on 02/04/2020 - 17:27

      Have you got a screenshot of the offer saying $0 fee?

  • CyberMurning on 01/04/2020 - 16:35
    -1

    "Offer excludes customers who hold/held any Westpac Rewards credit card in the last 12 months."
    Westpac low rate cc is considered as reward cc ?

    edit./ i dont think so:

    Pros and cons of low rate credit cards
    Pros: A low interest rate on purchases; usually a lower annual fee than a rewards card; for Westpac card customers, bla bla bla bla
    Cons: To get the lower purchase rate you forego some ‘extras’ like complimentary insurance or rewards points.

  • SrMoure on 01/04/2020 - 17:18
    +1

    Second Year benefits don't count !! :-D

  • SmokeyTheCorgi on 01/04/2020 - 17:33
    -1

    If you already have a Qantas Rewards Account, you don't need to pay the extra $50 do you?

    So this is essentially, $0 first year for $90k, and $250 for 30,000? Why would anyone want to do the 2nd year.

    • daanish on 01/04/2020 - 19:35
      +3

      Isn't the $50 fee just a charge to enable the card to be linked to QANTAS instead of the Altitude program. It's not the fee to join Frequent Flyer.

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