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Westpac Altitude Black - 90,000 QFF Pts ($50 Fee 1st Year) /150,000 Altitude Pts /w $4000 Spend in 90d (Existing Westpac Cust)

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Westpac Altitude Black - 90,000 QFF Pts ($50 Fee 1st Year) /150,000 Altitude Pts /w $4000 Spend in 90d (Existing Westpac Cust)
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llwl on 08/05/2020 - 13:30 westpac.com.au (7334 clicks)
Last edited 28/05/2020 - 13:18 by 1 other user

Similar deal to one posted earlier this year, except now there is no option for Virgin points. Previously posted deal marked as expired so I have reposted - hope that is ok and not a duplication!
Apple Pay is also now available with Westpac as well.

Card details:
Uncapped points earn rate: 0.75 Qantas Points per dollar spent on eligible purchases, uncapped
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 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

Get 150,000 bonus Altitude Points^ or up to 120,000 bonus Qantas Points with $4000 spend within 90 days.
(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.
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.)

Plus pay no annual card fee for the first year (currently saving you $250+)

Offer excludes customers who hold/held any Westpac Rewards credit card in the last 12 months.

New cards AND existing Westpac customers only. Offer ends 5th August 2020. T&Cs apply.

Comes with 2 lounge passes - Qantas lounge pass or Priority pass (depending on selected rewards program)

If you are not already an existing customer with Westpac, you'll need to apply for an account first before you can apply for this Promotion.

Financial Credit Card

Related Stores

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Westpac

closed Comments

  • juzz0 on 08/05/2020 - 13:32
    +1

    Any options for 0%/low rate balance transfers on this card? (thinking of transferring my Amex balance)

    • adrianhughes1998 on 08/05/2020 - 13:44

      probably not. for high rewards / airline points cards, you don't get em. its' either one or the other i suppose

    • mrshorty on 08/05/2020 - 13:54
      +1

      is balance transfers useless for these minimum spend for bonus points offers? Since you'll have to pay off the balance on top of the 4k balance u end up spending?

      • juzz0 on 08/05/2020 - 14:08

        I have about 15k so I was figuring I could transfer it and spend 4K on the card while making another 1.5k in repayments over the 3 months

        Edit: 6.99% now just weighing it up on how soon I will be able to pay off the balance and whether it’s worth the points vs additional interest (still much less than the 21.49% or whatever I’m paying with Amex) otherwise will go with low rate even though no rewards

        • daleroy1234 on 08/05/2020 - 14:57
          +24

          Probably don't want to be trying to spend 4k in credit when you have a 15k CC debt already?

          • adrianhughes1998 on 09/05/2020 - 02:12

            @daleroy1234: Agreed. Focus on one debt first then pay off next one that you mount. If he's wondering how long it would take to pay off, then that's a poor sign.

  • Homr on 08/05/2020 - 13:35

    Don't have $4000 to spend :(

    • leeroys_dad on 08/05/2020 - 13:36
      +135

      all good bro, they give you the $4k

      • TwentyTwoCarats on 08/05/2020 - 13:54
        +1

        gave me a nice giggle lmao ty

      • Homr on 08/05/2020 - 14:02
        -3

        Do I have to pay them back??

        • RG146 on 08/05/2020 - 14:33

          Nope - it couldnt possibly go tits up

        • alwayskeepinitreal on 08/05/2020 - 17:52
          +2

          A lot of people choose not to.

  • adrianhughes1998 on 08/05/2020 - 13:36
    +1

    Seems ok for the low first year annual fee.

    Unfortunately can't take up this offer because waiting for my points pay-out from Citibank. It's been about two months so will have to chase up their transfer to the Qantas FF account soon methinks.

    • frazel on 08/05/2020 - 20:08
      +1

      Is that because of your credit limit or because it's worth citibank.

      I have a cc with citi, I'm assuming I can still sign up for this too

      • adrianhughes1998 on 08/05/2020 - 20:56
        +1

        No, it's showing as Qantas points as 101K on my March citibank statement, it's up to the bank to chase up Qantas. Credit limit has nothing to do with earning the points or not.

  • chunfat on 08/05/2020 - 13:48
    +1

    $15000 minimum credit limit is too high. I have to cancel all other credit cards to get this one.

    • Nick K on 08/05/2020 - 13:55

      I'm dumb in this credit limit thing. could you please explain how you have to cancel all other ones? I thought credit limit is just the amount you can spend on the card.

      • 4foxache on 08/05/2020 - 14:00
        +1

        It's based on your ability to repay so depends how much you earn you wouldn't have to cancel the others. I've got 2 outstanding at the moment both with 15k limits but think I'll try get this one as well lol

      • chunfat on 08/05/2020 - 14:28

        My income level (plus net equity available) is very limited. Therefore, when the aggregate of total credit cards minimum credit limit exceeds what they deem as repayable. Then they will not approve the credit card application.

        I.e. estimated credit limit allowed is $20,000 total.
        Existing:
        credit card 1 is $2,000 credit limit
        credit card 2 is $2,000 credit limit
        credit card 3 is $6,000 credit limit
        This new credit card 4 (application) is $15,000 credit limit

        Then this exceeds your allowable limit @$25,000.

        So good luck if you don't cancel credit card no:3 prior to applying this new credit card. (my mistake with words previously, I don't need to cancel all other credit cards to apply for this one, just need to cancel some)

        • ModBot on 08/05/2020 - 14:50

          question - whats the use of having multiple credit cards? Is it only for offers ?

          • chunfat on 08/05/2020 - 15:04

            @ModBot: versions of cards
            VISA
            MASTERCARD
            AMEX
            UNIONPAY
            DINERS CLUB
            etc…

            some have better exchange rates for international purchases. etc…

            (NOT that you want it to happen to you, fraudulent use of one of your credit card that needs to be blocked temporarily, but you still need to have a working credit card to get through your luxurious lifestyles of spending)

        • Nick K on 08/05/2020 - 15:18

          ahhh… I see. Thanks for thorough explaination :)

  • Danthemanz on 08/05/2020 - 13:55
    +1

    What can get you more value in gift cards?
    150,000 Altitude points, or 90,000 Qantas?

  • thushan on 08/05/2020 - 13:56

    I've had this for couple of years now, called them at the end of first year to cancel and they tried their utmost to keep it going, so haggled a free renewal but wasn't so lucky for the third and paying $50 now.

    Back then it had an AMEX and Mastercard. I think last year they dropped the AMEX.

    Good card for Qantas points accrual.

    • His_Holiness on 08/05/2020 - 14:09
      +1

      You can now cancel Westpac credit cards through the app.

      • beesquared on 08/05/2020 - 15:26
        +1

        I did that 18 months ago, cancelled via the app. Few months later I got a new card in the post and slugged a new annual fee. Rang and sorted it but the app cancel function did not appear to be as complete as I had expected.

    • p-plater on 08/05/2020 - 18:55

      How along ago did you neg the $50 annual fee? My first year is about up.

      • thushan on 10/05/2020 - 12:01
        +1

        October last year was the $50. I told them that I'm about to pay Amex fees for the card that's originally a Westpac card and now you're also charging me another fee.

  • nightelves on 08/05/2020 - 13:57
    +1

    Can the 150k Altitude points be converted to Krisflyer at 2:1? If that's the case this is a good deal.

    • thestig on 08/05/2020 - 14:02

      I think you'll find it's 3:1

      • nightelves on 08/05/2020 - 14:03

        Shite then the Amplify program is better at 2:1 unless that's changed.

    • bozbargain on 08/05/2020 - 14:04

      No, 3:1.

      • nightelves on 08/05/2020 - 14:05

        Yeah just checked it. Wonder if the Amplify is the same conversion rate or better.

        • bozbargain on 08/05/2020 - 15:07

          Amplify is still 2:1 but there are no Westpac branded Amplify cards, only St George, Bank of Melbourne and Bank SA (owned by Westpac). I wouldn't be surprised if Westpac would consolidate all this and phase out Amplify, similarly to how AmEx devalued their Membership Rewards program.

          • nightelves on 08/05/2020 - 15:47

            @bozbargain: I hope they have phased it out because there's a ripper deal for 130k Amplify points atm.

            • bozbargain on 08/05/2020 - 15:54
              +1

              @nightelves: The St George Signature one you mean? I'm waiting on those points to come through. I'm a bit worried about points value in general given what's happening in the world at the moment.

              • nightelves on 08/05/2020 - 15:57

                @bozbargain: I'm not worried as I'm collecting points for RTW redemption which hopefully won't be affected as airlines usually overlook these when devaluing their points.

                • spiff on 08/05/2020 - 16:35

                  @nightelves: Biz or 1st? :D What route are you thinking?

                  • nightelves on 08/05/2020 - 16:53

                    @spiff: Biz for 280k Krisflyer. Looking at Europe at this stage.

                    • spiff on 08/05/2020 - 17:00

                      @nightelves: You mean QFF?

                      • nightelves on 08/05/2020 - 17:07

                        @spiff: Qantas RTW in biz class is 319k which I have. Now I’m collecting Krisflyer points and the only one that’s good atm is the St George Amplify with 130k points which converts to 65k Krisflyer.
                        Looks like Qatar will be opening up their network soon.

                        • spiff on 08/05/2020 - 17:37

                          @nightelves: Isn't Qantas RTW biz 280k points? I had no idea KF also did a RTW deal for 240k points. KF is pretty hard to obtain especially if Velocity gets further devalued.

                          • UrMumsOnlyFan on 09/05/2020 - 01:10

                            @spiff:

                            Isn't Qantas RTW biz 280k points?

                            You are probably referring to Oneworld Classic Flight Rewards (a.k.a. Oneworld Award), which are typically used for round-the-world though they don't have to be. Last year the points cost for business class increased from 280k to 318k, and from 420k to 455k for first class.

                            How the Qantas Frequent Flyer 'overhaul' will affect you

                        • bozbargain on 08/05/2020 - 17:46

                          @nightelves: Not quite RTW but combined QFF (128k points) and Krisflyer (108k or so) a few months ago for return to Europe. Perhaps an idea if you end up short on KrisFlyer and have enough QFF points. KrisFlyer redemption flights are so easy to redeem, you pay hardly any taxes/levies and can book your special meals in advance.

                          • spiff on 08/05/2020 - 19:48

                            @bozbargain: Nightelves is no points noob they know what they're doing, going for the big fish! ;)

                        • jasonb on 08/05/2020 - 17:52

                          @nightelves: Qatar are a Oneworld airline so you'll be wanting Qantas points to target an RTW including them, not Krisflyer.

                          • nightelves on 08/05/2020 - 18:04

                            @jasonb: Yeah I know. I’m wanting to book at least two RTW. One using Oneworld and the other using Star Alliance.

  • chobani4lyf on 08/05/2020 - 13:57

    Apply now button is taking me to online banking login page?

    • puffinfresh on 08/05/2020 - 14:03

      "existing Westpac customers only"

      • chobani4lyf on 08/05/2020 - 14:05

        Ah my bad, poor comprehension.
        Would making a fee-free savings account make me eligible?

        • DerpFactory on 08/05/2020 - 14:42
          +1

          In the past this has worked though I'm not sure that it will for this. No harm trying.

        • danielh on 11/05/2020 - 12:05

          Yes, just get the Westpac Choice account or something like that. With the Westpac choice account I have to deposit $2000 into it each month (and I just send it back to my offset account straight away) to get the fee free part. Not sure if there is another type of account you can get that does not involve the monthly money transfers though.

          I think that if I got this card, my main problem would be how to spend $4000. You would have to time it for when you get those larger bills like car rego, insurances etc. In the past I would time it for when we would get our holiday trips to wherever but that is now mostly out of the question. :-\

          The best thing that works for me now is to use the entertainment book offer to get $2-3k of Woolworth gift cards as groceries is always something I will need. You can also buy for family members as well and pass on the discount to them.

  • Unacceptable on 08/05/2020 - 13:58

    Thanks, conditionally approved and submitted payslips.

    • Homr on 08/05/2020 - 14:02
      -1

      You still earn more than 75k? COVID didn't affect your working hours or salary?

      • stockastics on 08/05/2020 - 15:42
        +3

        Rich and not so rich browse OZB..

      • SweetLift on 08/05/2020 - 16:04
        +4

        Media reporting makes me think economy is shutdown, then I'm driving on the roads and see road traffic as busy as ever, shops busy, and unemployment hasn't even hit 10%. It really seems to be limited to a few sectors. Looking up today today. Stage 1 party!!!

        • Homr on 08/05/2020 - 16:07
          +1

          Road traffic as busy as ever?? I disagree.

          Before covid, it took me almost 1hr to drive to work from St Leonoards, over the bridge to CBD at 8am. Now, during lockdown it takes 15 - 20mins

          • bob19 on 09/05/2020 - 18:29

            @Homr: Since last Friday, the traffic is back to normal, e.g. as bad as it has been before shutdown.

      • Unacceptable on 08/05/2020 - 16:27
        +1

        Yes, cut by 20% pay cut and working hours
        No, I’m using annual leave to fill up the gap.

  • Choc0 on 08/05/2020 - 13:58

    Does anyone know if they consider Bank of Melbourne cardholders as holding a 'Westpac' card (Given the ownership structure)?

    Canned my BOM card a few month ago but I think this still falls into their window.

    • nightelves on 08/05/2020 - 14:01
      +1

      It shouldn't because BOM is Amplify cc and this is Altitude. The T&Cs on the BoM specifies on Amplify REwards program.

    • JohnHowardsEyebrows on 08/05/2020 - 14:07

      It's not. They're quite specific that BoM 12 month rules apply to St George and BankSA, with no mention of Westpac. So they clearly don't count that.

    • DrRalph on 08/05/2020 - 14:27

      BOM back of the Stgeorge group for credit card purposes.

  • therooftop on 08/05/2020 - 14:04
    +5

    Qantas points don’t turn me on like they used to

    • nightelves on 08/05/2020 - 14:07
      +1

      Seems you've jumped ship to Velocity then. :)

    • stockastics on 08/05/2020 - 15:43

      It's an age thing..

  • YOTR on 08/05/2020 - 14:05

    The Platinum equivalent of this card (less points, less minimum income, lower spend threshold) doesn't have the first year fees waived.

  • xdigger on 08/05/2020 - 14:07

    QFF points not worth it now as Qantas is going to devalue them very soon after wiping out the competition Virgin. Back to the good 'ol days of $900 Sydney to Brisbane flights.

    • Homr on 08/05/2020 - 14:14

      Speaking of Virgin. I had 150k AMEX points from the Explorers Card, I converted that into 75,000 virgin points when my explorer card when it expired, now my 75k virgin points is worthless since VA has now gone into administration :(

      • thestig on 08/05/2020 - 14:16
        +2

        I sent my points to Kris Flyer in March. Unfortunately you missed the boat.

        • nightelves on 08/05/2020 - 14:19

          Same! Managed to convert it days after they blocked the transfer

        • Homr on 08/05/2020 - 14:22

          I dont know much about Kris Flyer. Reason why I converted into Virgin points is because I'm more likely to travel domestic than international

    • thestig on 08/05/2020 - 14:17

      There will be no competition from any international airlines on international flights?

    • dufflover on 09/05/2020 - 16:42

      Even with competition from other carriers, devaluing QF points so you need more to buy or go anywhere is an easy way for QF to make back lost profit.

    • LoungeLizard on 11/05/2020 - 13:38
      +1

      Have to agree, it's almost certain that Virgin will stop flying internationally. When that happens Qantas will devalue their points significantly for international flights, which was always the best use of point redemption.

  • LeslieT on 08/05/2020 - 14:10

    Hmm maybe its time to cancel my AMEX velocity platinum and go for this.

  • bigbadboogieman on 08/05/2020 - 14:28
    +1

    There is no annual fee ever on Westpac Premier Advantage package for Altitude Black. Premier Advantage Package itself has an annual fee of $395 but that's waived if you're an employee or fall within the friends or family category.

  • agalea101 on 08/05/2020 - 14:39

    Collecting qq points. Should go for altitude points this time though? Only 90k points for the first cheap year then annual to see the 30k … Not worth it?

  • doweyy on 08/05/2020 - 14:42
    +5

    Applied and approved within 5 minutes, digital card is already available in my Westpac app to spend on, fastest application I've ever seen lol. No requirement to submit payslips which was odd.

    • roh008 on 08/05/2020 - 14:55

      boom - did you go Qantas FF or altiude?

      I might go Altitude program as my QFF points are accumulating but I'm not really using them as I end up by the discount QFF tickets and using my status (from work trips) to get access to lounges etc.

      • doweyy on 08/05/2020 - 15:01

        Went for QFF, not really too sure about the value of Altitude so thought best to just stick with what I know. Hopefully QFF doesn't get devalued too much, still pretty awesome value if it's a $50 fee either way :)

        • roh008 on 08/05/2020 - 15:02

          Were you an existing customer? It asks for my login details?

          • doweyy on 08/05/2020 - 15:03
            +1

            @roh008: Yeah existing customer for quite a while, it seems like you need to have a free choice account open to be able to apply (or any other Westpac product).

        • nightelves on 08/05/2020 - 15:50
          +2

          Last time I took up this deal it was with Velocity and they didn't even charge me the rewards fee. Ended up getting 80k Velocity points, two premium economy upgrades and 2 lounge passes. Hopefully they forget to charge the rewards fee for you.

    • forumninja on 09/05/2020 - 06:49
      +1

      Got it in the same day as well, but I had to submit payslips. Added the digital card to Apple Pay already!

  • muncan on 08/05/2020 - 14:42
    +2

    Coming up to my 3 months now on a previous offer. Just rang them to confirm my eligible transactions and my Woolies/Wish gift cards don’t count (treated as cash).
    Time to prepay my utilities!

    • Nuggets on 08/05/2020 - 15:49
      +2

      Wait what?? That sucks! Woolies egift cards were my go to.

    • nightelves on 08/05/2020 - 15:51
      +3

      I think they're bluffing. Check your statement when it comes.

      • muncan on 08/05/2020 - 16:11

        Me too, but I’m not prepared to take that gamble! I’m going to err towards an overspend than miss out on my bonus points. Sorry team.
        Also I thought I hit my spend before my 2nd statement but didn’t receive the bonus points. Hence my concern & call.

      • timhn on 09/05/2020 - 09:08
        +2

        Agree with @nighelves that they're either bluffing or reading answer from a script.

        I've just checked my statements from WP on Platinum deal last time ($3000 req spending)

        1st month spent ~$2900 ($950 was on WW gc)
        2nd month 0 spent (was put all purchases on another card)
        3rd month spent ~$300 ($95 was on WW gc)

        Bonus points was on right on the 3rd month. Total spent on gc was 1/3 of the requirement spending.

        • nickj on 15/06/2020 - 11:42

          Got my first statement from this deal, everything was counted towards points (at the 0.75 points / $1 rate), apart from the $50 annual fee.

          That includes a Woolies/Wish gift card (which could potentially have been excluded as "cash equivalent transaction"), paying my electricity & gas bills via a payments platform (which potentially could have been excluded as a excluded as "BPAY or similar transactions (such as Post Billpay)"), and even a small government transaction (which could have been excluded as either "government charges" or for paying via Post Billpay).

          But my transactions were a whole bunch (~60) of small organic transactions. If was one or two large transactions and/or mostly manufactured spend, then I think they might flag it, and investigate further. But in my case that would be pointless since it's clearly being used primarily for groceries & everyday spending, and besides I always spend over the minimum, so that even if one or two transactions get excluded, it'll still make the min spend. Very easy to do that when you're shopping for a family.

  • wimpykid on 08/05/2020 - 14:45
    -6

    The $250 no fee is only applicable to existing Westpac customers..Damn!!!

    “ +First Year Annual Card Fee Waiver: is available when you are an existing Westpac customer and you apply and are approved for a new Altitude Black credit card between 1 April and 5 August 2020. ”

    • hd2002 on 08/05/2020 - 14:48

      Yes, also noticed this.

      First Year Annual Card Fee Waiver: is available when you are an existing Westpac customer and you apply and are approved for a new Altitude Black credit card between 1 April and 5 August 2020.

    • muncan on 08/05/2020 - 14:50
      +3

      So apply for a bank account first?

      • wimpykid on 08/05/2020 - 16:44

        Sounds like it

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