This was posted 3 years 5 months 24 days ago, and might be an out-dated deal.

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Westpac Altitude Reward Platinum CC, 130K Bonus Points, $3K Spend on within 90 days (AF $49 first year)

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Westpac Altitude Reward Platinum CC, 130K Bonus Points, $3K Spend on within 90 days (AF $49 first year)
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timhn on 28/06/2021 - 15:23 westpac.com.au (5038 clicks)
Last edited 19/10/2021 - 17:34 by 2 other users

Just notice Westpac have raised their bonus points for the Altitude Platinum to 130K (usually 80-100K). Probably counter the ANZ deal.

Note, no fee if you are an existing customer - you can just open the debit/transaction account with them.

—
130,000 bonus Altitude Rewards Points

Already with Westpac? Sign in and apply to get your first year annual card fee waived

130,000 bonus Altitude Rewards Points with $3k+ spend on eligible purchases† within 90 days of card approval>.
0% p.a. for 22 months on balance transfer>> when requested at card application. 1% balance transfer fee applies. After 22 months, rate reverts to the variable cash advance rate of 21.49% p.a.

Plus, a reduced first year annual card fee of $49 ($150 thereafter)*. Already with Westpac? Sign in and apply and we’ll waive your first year annual card fee>>>.

Offer not available if you’ve held a Westpac rewards card in the last 12 months. T&Cs apply.
Financial Credit Card MasterCard Reward Points

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closed Comments

  • dealsforlife on 28/06/2021 - 15:27
    +6

    That AF is low AF

    • Drakesy on 28/06/2021 - 16:18

      what's AF?

      • ChaseTheSun on 28/06/2021 - 16:20

        Depends on the context :)

        The 1st AF may not be the same as the second AF :D

      • Sammy Boi on 28/06/2021 - 16:21
        +4

        Annual fee

        • Drakesy on 28/06/2021 - 16:22

          Thought so.
          Only really a low AF if you're an existing customer though.

      • cashless on 28/06/2021 - 16:58

        Ardent Feminist?

      • Worf on 28/06/2021 - 19:24
        +2

        Atrial fibrillation

      • thekensai on 01/07/2021 - 14:55
        +1

        anal fun?

  • portard on 28/06/2021 - 15:28
    +2

    Anyone know what the points to gift card $ conversion rate is?

    Looks like 130k points can provide roughly $460 cashback redemption

    • Jazza2400 on 28/06/2021 - 16:08

      I too would like to know. Gift cards start at 4200 points, assuming that's $20 that's like $560 worth. If it's $10 well.

      Although cash back seems to have a worse value on points so I'm hoping it'd be up there with ANZ.

  • hotdogwater22 on 28/06/2021 - 15:30
    +2

    What's better, this or the ANZ card?

    • Drakesy on 28/06/2021 - 16:16
      +3

      ANZ Black then this.

    • tunzafun001 on 28/06/2021 - 22:30

      ANZ card team is now (in the words of the phone rep) now being processed in a country called India. It is a shambles and not a 'Black' card experience any more. I'm 6 weeks since pre approval. Not progressing.

      • VQLD on 29/06/2021 - 09:19

        agree. horrible experience

      • n0mad on 29/06/2021 - 10:03

        i gave up on one for my wife, we would schedule calls and they wouldn't call or would call outside the scheduled time which was no good. terrible experience.

        • tunzafun001 on 29/06/2021 - 12:01
          +4

          Yep, same exactly. She gave up. This is my 22nd card. I know the process pretty well. Not sure why I got negged. If its because of the India part (it was what the ANZ phone rep said to me), it's just the reality that outsourcing has turned the ANZ product to rubbish. Don't blame the Indian phone rep service. I'm sure they have zero control over anything, and they would work in an environment that will see them fired in a heart beat for getting a trivial issue wrong. I 100% blame ANZ for outsourcing a Black product.

  • cashless on 28/06/2021 - 15:32
    +7

    Just found my next churner after the HSBC card

    • Harby7 on 28/06/2021 - 16:30

      Did you receive your bonus points for HSBC yet? I’m still waiting

      • bkksam on 28/06/2021 - 19:18
        +2

        Received and converted to $600 cashback, cha-ching.

        • oshe on 29/06/2021 - 11:27

          how does that work?

        • nightelves on 30/06/2021 - 10:00

          Rinse and repeat?

        • macr0hard on 01/07/2021 - 11:08

          It it this deal? https://www.ozbargain.com.au/node/626191, how did you get $600? I got rejected from them a few months ago, not sure if I should try again

        • hhbb555 on 01/11/2021 - 08:12

          hi, how did you convert the points to $600 cashback?
          i've just checked it now and I can see $100 cashback = 28200 points as in even for $500 it would require 141k points.

      • Youi2018 on 28/06/2021 - 19:30
        +4

        Yep i got mine and converted it to $600 cash back

        • tunzafun001 on 28/06/2021 - 22:25

          Got to love that cash is the best option with HSBC.

      • Harby7 on 28/06/2021 - 19:41

        How long did you have to wait, guys?

        • source on 28/06/2021 - 20:04
          +2

          I spent the 3k in a month about 3 weeks ago. Still not credited. Rang today and they advised will be within 60 days.

          • Harby7 on 28/06/2021 - 21:26
            +1

            @source: Thanks for advising

            • source on 10/07/2021 - 17:49
              +2

              @Harby7: Got my $600 today too :)

              • Harby7 on 10/07/2021 - 18:09
                +1

                @source: Thanks Sourcey! Just checked and I’ve got mine too

        • bkksam on 28/06/2021 - 20:25
          +1

          I think it was about a month after meeting spend criteria,then used hsbc app/ rewards,and applied on line for 6 x $100 credit vouchers which were applied to my credit card balance.

    • CodeXD on 28/06/2021 - 16:45

      Haha I'm eyeing this for the exact same reason.

    • bargainator9 on 28/06/2021 - 20:11
      +3

      Is hsbc customer service as bad as people say? I see they have a 36month 0% $0 balance transfer option currently on one of their cards.

      Thinking about buying a car on the amex, balance transferring it to HSBC and boom, 3 year interest free car loan. Assuming of course that HSBC allow a sufficiently high limit on the new card.

      Just to limit comment blowback here, I can afford to buy the car cash, just prefer to use that money for investment purposes.

      • timhn on 28/06/2021 - 20:32

        How much the dealer allowed you put on card?

        • bargainator9 on 28/06/2021 - 20:41

          Last time - the full amount, ~60k. Took some extra haggling, but got there.

          • tunzafun001 on 28/06/2021 - 22:32

            @bargainator9: How much did they charge you to buy on the Amex?

            • bargainator9 on 29/06/2021 - 08:44

              @tunzafun001: 0.5%

              • timhn on 29/06/2021 - 12:24

                @bargainator9: Damn, that's a reasonably rate. Was that their standard flat rate?

                My local coffee shop is charging 1.5%.

                • bargainator9 on 29/06/2021 - 18:14

                  @timhn: No, their normal rate was 1.75% I think. But I was there ready to buy on amex 20mins before closing time on a Saturday afternoon, so they agreed.

      • nightelves on 28/06/2021 - 22:23

        Wow that's such a creative idea.

  • starbearer on 28/06/2021 - 15:32
    +3

    PSA: These are Altitude bonus points, not Qantas.

    • bunnybash on 28/06/2021 - 15:44
      +1

      For the uninitiated - what might the difference be?

      • nightelves on 28/06/2021 - 15:47

        Allows you to transfer to Singapore and Cathay Pacific at a 3/1 ratio.

      • starbearer on 28/06/2021 - 15:47
        +1

        Qantas points you can use for flights, gift cards, products from the qantas store, etc. Usually a conversion rate of 1c per point
        Altitude points, much lesser options, mainly gift cards from the Westpac portal. Based on portard's comment above: "Looks like 130k points can provide roughly $460 cashback redemption" which gives a conversion rate of 0.35c per point

  • gembel on 28/06/2021 - 15:40

    Can you convert to Krisflyer points?

    • nightelves on 28/06/2021 - 15:46

      Yes you can but I think the conversion rate is 3:1

  • hongd on 28/06/2021 - 16:01

    Just got 90K from Qantas Black. Supposing I am not eligible.

    • muncan on 28/06/2021 - 16:14
      +11

      I’ve heard once you go Black, you don’t go back.

  • PeeDee on 28/06/2021 - 16:08
    +3

    What's this equivalent to in gift card?

  • Sir Mittens on 28/06/2021 - 16:12

    If I have the Altitude Black World MasterCard, would I be able to get the bonus for getting this card or does the altitude black count as a rewards card

  • [Deactivated] on 28/06/2021 - 16:23

    The Qantas platinum gives 60k points. Is it better?

    • 4foxache on 28/06/2021 - 16:25
      +1

      If you're using points for flights then yes I'd take 60,000 QFF points over this. They are the best value imo

      • [Deactivated] on 28/06/2021 - 16:26

        I probably won't fly any time soon. What's 60k points worth in flights anyway?

        • 4foxache on 28/06/2021 - 16:27

          Classic rewards flights 7-8k one way melb to sydney from memory. Could use with Jetstar Melb to Bali return about 38k

        • Drakesy on 28/06/2021 - 16:28

          roughly $600 in flights (or at least roughly what they sell for on the classifieds)

  • GS9891 on 28/06/2021 - 16:34

    So if you sign up for a free transaction account and then this, will the no annual fee offer still apply to save the extra $49?

    • AH on 28/06/2021 - 17:02
      +1

      Their transaction account is 5 dollars a month unless you chuck 2k in every month

      • nightelves on 28/06/2021 - 17:05

        Yeah was stung twice for forgetting.

        • fomal on 28/06/2021 - 20:04

          ask them to revert the fee. They'll do it for you.

          • nightelves on 28/06/2021 - 22:17

            @fomal: Oh really! I didn't know they could do that. Will give it a go. Thanks

  • spammingb on 28/06/2021 - 16:38

    75K QFF and no annual fee on this card was better IMO

  • Tleyx on 28/06/2021 - 17:02
    +1

    Does it matter if you hold a St George card?

  • ayad on 28/06/2021 - 17:08
    -2

    For the uninitiated, what does this all mean? (don't be a smart arse thanks xD)

    • thestig on 28/06/2021 - 17:16
      +4

      Which part do you need clarification on?

  • thestig on 28/06/2021 - 17:15

    Does anyone know if having a Westpac Altitude Qantas card counts as a "Westpac Rewards card" and disqualifies you for this deal? The Altitude Rewards card has "Rewards" in its name and the Qantas one doesn't so not sure if they differentiate the two programs like ANZ does between their programs.

    • nightelves on 28/06/2021 - 17:35

      It says Altitude Platinum credit card or Black credit card so includes Qantas as well.

    • john_conner on 28/06/2021 - 17:37
      -5

      Google “Westpac Rewards card” for your answer

  • sween64 on 28/06/2021 - 17:46

    Has anyone had trouble with credit card applications after starting a LatitudePay or ZipPay account? I’ve been churning cards for awhile and earlier this year I had two applications knocked back (ANZ and Westpac) for the first time ever. None of my other circumstances have really changed.

    • starburstyellow on 28/06/2021 - 18:30

      I haven't done afterpay for this exact reason. I'm assuming you signed up to afterpay/zippay/latitudepay?

      • sween64 on 29/06/2021 - 12:40

        Just two of them. Maybe I’ll close them before applying for a new credit card.

        • starburstyellow on 29/06/2021 - 14:44

          I see. interesting, good luck on the repair!

          • sween64 on 19/08/2021 - 16:26
            +1

            @starburstyellow: Thanks. Just received an SMS stating that my ANZ CC application was successful. I had close my Zip and Latitude Pay accounts. That was the only chance in my circumstances.

    • nightelves on 28/06/2021 - 22:19
      +1

      Yeah the banks have been full on strict this time round due to covid. They scrutinise everything.

  • salami on 28/06/2021 - 18:14

    am new to this but how do most people meet the 3k spend? can i transfer money out from my credit card, will this count towards that?

    • Shad on 28/06/2021 - 18:26
      +6

      No, but you can purchase supermarket gift cards to use later or Over pay utilities or not sure if you can overpay rego

    • sakurakiks on 29/06/2021 - 09:18
      +1

      I was thinking at group dinners (esp at places that don't do split bills) you can offer to be the one to pay? Then get it all back later from your friends, into another account. At a large bday or a fancy place you can easily rack up $300-1000.

    • iori57 on 03/07/2021 - 18:49

      Maybe you don't see it but if you focus all expenses (just the usual household bills, internet+mobile, groceries+food) to the same card, it's quite hard not to get pass 1k a month?
      Even easier if you have private insurance.
      And check if there's any annual bills that you need to pay for that quarter that you might setup with auto debit every year using a different card, and manually pay it with this card before the auto debit triggers. For example car rego renewal, home and content insurance, car insurance.
      My hsbc card hit the 3k spend in just one month lol because of a few annual bills that's due. Too easy.

  • Shad on 28/06/2021 - 18:28

    Frequent flyer bonus points are the best option IMO, you can either redeem for flights or sell in classified

  • timhn on 28/06/2021 - 20:13
    +7

    Wish egiftcard is 23,500 points/ $100.

    So, you could get appr $420 giftcard for 103400 points (100K bonus + ~3K points from $3K spending).

    Edit: just realised 130K not 103 :)

    So, approx $450 worth of gift card

  • endolphin on 29/06/2021 - 06:49
    +12

    With Westpac you can convert these points into "annual fee rebates" at the rate of 0.5c per point and therefore this is worth $650 cashola.

    Yes, this is possible even if no annual fee was ever paid.

    • thekensai on 29/06/2021 - 12:11

      only able to offset the annual fee? that would take 4 years to use all the bonus points

      • endolphin on 29/06/2021 - 12:28
        +1

        did you read my entire post?

        Last year I had a similar Westpac offer, zero annual fee but 150k westpac altitude points, and I converted to 3 x $250 "annual fee rebates" despite having never paid an annual fee.

        • CodeXD on 29/06/2021 - 13:45

          I converted to 3 x $250 "annual fee rebates" despite having never paid an annual fee.

          It could be that you're not paying annual fee due to your annual fee rebates…

          I had the same question… and still do.

          I take it you mean Westpac does not enforce using the 'annual fee rebates' purely for annual fee and they simply credited your account with the amount?

          • endolphin on 29/06/2021 - 16:52

            @CodeXD:

            I take it you mean Westpac does not enforce using the 'annual fee rebates' purely for annual fee and they simply credited your account with the amount?

            Bingo

            • nomekop on 06/08/2021 - 23:34

              @endolphin: Hi! Did you do this by phone or in a branch. I want to give it a try :)

        • egglings on 21/07/2021 - 17:36
          +2

          confirmed just redeemed 3x $250 “annual fee rebates” for the same statement and $750 credited
          thank you @endolphin !

          • xxyyxx on 29/07/2021 - 21:29

            @egglings: Hi @egglings and @endolphin I might not be understanding this correctly but the redemption page states: "Please note you are allowed to make only one annual fee redemption per card per year. The Fee Rebate process is automated. Cardholder will not receive a voucher, the fee is simply credited to your credit card account."

            Does this mean you were able to make more than one annual fee redemption per card per year?

            • fritzsticker on 11/08/2021 - 15:41

              @xxyyxx: How did you go??

              • xxyyxx on 11/08/2021 - 22:17

                @fritzsticker: Haven't spent $3k yet so haven't got the points to try.

                My concern is I don't want to get 3x annual fee rebates then I can only redeem 1 per year..

            • egglings on 21/08/2021 - 09:18

              @xxyyxx: yeh mine said only one redemption per year also, but the system lets you redeem more than once and just gives it as cashback

              • timhn on 21/08/2021 - 14:19

                @egglings: Basically, you only redeem once a year. But you can you can select the redeem quantity higher than 1.

          • source on 18/08/2021 - 04:28

            @egglings: 1 x $250 rebate is showing as 50,000 points now. What was it for you?

            • egglings on 21/08/2021 - 09:19

              @source: 50,000 also - I signed up to last year’s deal where it was 150K bonus

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