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Altitude Qantas Black Card: 90,000 Qantas Points ($6,000 Spend in 120 Days), Annual Fee $250, Qantas Fee $50 @ Westpac

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Altitude Qantas Black Card: 90,000 Qantas Points ($6,000 Spend in 120 Days), Annual Fee $250, Qantas Fee $50 @ Westpac
Go to Deal
frewer on 14/03/2023 - 14:44 westpac.com.au (2252 clicks)
Last edited 14/03/2023 - 16:12 by 1 other user

Similar to this deal https://www.ozbargain.com.au/node/746226

Westpac Altitude Qantas Black

$250 Ongoing annual card fee
$50 Annual Altitude Qantas program fee
19.99% p.a. Variable purchase rate
21.49% p.a. Variable cash advance rate
$15,000 Minimum credit limit
$75,000 p.a. Minimum income required
0.75 Qantas Points per $1 on eligible purchases, up to $250,000 p.a.
Already with Westpac? Sign in and apply to save $100 on your first year card fee*

To be eligible for up to 120,000 bonus Qantas or Velocity Points, you must apply and be approved for a new Altitude Black credit card between 1st July 2022 and 29th June 2023.
You will receive an initial 90,000 bonus points if you spend $6,000 or more on eligible purchases within 120 days of card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria. You will receive an additional 30,000 bonus points if you keep your account open for more than 12 months and continue to use the card. These additional points will be credited to your points balance within 12 weeks, after the first eligible purchase is made in the second year of your card account being active.

Financial Credit Card Frequent Flyer MasterCard Qantas Frequent Flyer Reward Points

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closed Comments

  • maverick1 on 14/03/2023 - 14:46
    +2

    90k points for $300 or 120k for $550, isn’t?

    • Rhubarb Jones on 14/03/2023 - 14:53
      +4

      I read it as $600 for 120K points?

      • maverick1 on 14/03/2023 - 15:14

        Ah right. I thought Qantas fee is one time but it seems it’s annual as well. Sorry usually don’t hold a card for more than a month or 2 ;)

        • wordsmith on 14/03/2023 - 16:04
          +3

          just curious, how does that reflect on your credit score or rather, what kind of effect has it on your credit score?

          • eecan on 14/03/2023 - 16:10
            +5

            @wordsmith: Not sure about them but I churn 2-3 credit cards a year and my Equifax credit score is "excellent".

            Does a credit score actually matter? Is a bank going to look at your servicing and say, "you can't afford this loan but you have a good credit score so we'll lend you money" or "you closed too many credit cards in the past three years so we won't approve your home loan despite your income being sufficient to service it"?

          • jollster101 on 14/03/2023 - 16:12
            +3

            @wordsmith: Any check on your credit does impact your score but it doesn't take long to bounce back as long as you do all the right things with mortgages, bills etc.

            The other consideration is whether you have any significant purchases that you may be making that requires an impeccable credit score (home loan, car loan etc).

            If you don't then I don't see an issue with card churning every 3 - 4 months (or possibly less).

          • maverick1 on 14/03/2023 - 16:29
            +2

            @wordsmith: Churning cards in Aus doesn’t have any material medium to long term impact as duration of credit is not taken into account in credit score models used here say vs US.
            Short term impact - yes slightly negative but it builds back. I get 3-5 cards/year for the 2 of us, so plenty to play around with.
            Credit enquires drop out of your credit history after 5 years and closed accounts drop out of after 2 years.

          • FeZZa21 on 14/03/2023 - 18:34
            +1

            @wordsmith: I'm in the same credit churning boat as maverick1 and my current credit score is 858 (excellent)

            • [Deactivated] on 14/03/2023 - 18:54
              +1

              @FeZZa21: Everything is good, til it isn't.

              Last month someone was complaining they had been rejected 3X, after flipping cards for years.

              When it happens, it happens.

              • FeZZa21 on 14/03/2023 - 21:51
                -1

                @[Deactivated]: I only got rejected few months back because bank was not going to make money off me lol got accepted at the new bank

              • maverick1 on 15/03/2023 - 21:39

                @[Deactivated]: there is always a rejection or 2 every now and then, That's part and parcel of churning business, nothing to lose sleep about. Take a break for couple of months and try again and always apply for min credit limit. I usually don't venture for premium cards i.e. cards with min 15k/20k limit.

  • drycleanonly on 14/03/2023 - 14:52
    +5

    Tempting, also this appears:

    Already with Westpac? Sign in and apply to save $100 on your first year card fee

  • alvian on 14/03/2023 - 14:56

    Similar to this deal https://www.ozbargain.com.au/node/746226 but has more pts

    No, both deals have the same number of points on offer.

  • Lunchguy on 14/03/2023 - 15:00
    +5

    I was hoping for a Westpac deal but this doesn't look that great.

    Edit: I'm not sure this is anything but their normal offer?

    • CheapDeals on 14/03/2023 - 16:09

      I dont think it’s any different

  • AL008 on 14/03/2023 - 15:12

    Anyone know how this card insurances compare with say ANZ Black when it comes to overseas travel insurance?

    • nzcoops on 14/03/2023 - 16:40
      +1

      Yeah, this can be a mine field. And domestic vs international card hire.
      And cards for $300+ fees but still charge an int transaction fee.

      It's the wild west out there.

    • douglasac10 on 14/03/2023 - 22:15
      +4

      I have both a Westpac and ANZ platinum card and looked at both of their policies for going overseas later this year. For ANZ there's no difference between international policies for Black or Platinum cards; for Westpac, Black cardholders get six months covers vs. Platinum cardholders three.

      From what I could see, at least for the international side, Westpac's is a generally more generous policy.

      Main differences I could see are:

      • Westpac requires you to charge $500 to be eligible, ANZ $250 (probably the main point in ANZ's favour)
      • Westpac have Hospital Cash Allowance of $100 per day up to $15000 vs. ANZ's $75 per day up to $8000.
      • Westpac has accidental death cover for $25000 per dependant vs. ANZ's $1000.
      • Westpac has unlimited funeral expenses vs. ANZ's $25000 per cardholder or spouse.
      • Westpac has up $1000 per week for up to 12 weeks for loss of income (total $12000) vs. ANZ's maximum of $10000, no maximum per week.
      • Westpac has unlimited cancellation cover with an exception for travel agent fees ($500 or 15% of the value of travel arranged by them whichever is lesser). ANZ has a cap of $20000.
      • Westpac have travel delay expense cover that kicks in after six hours for up to $500 per person for meal and accommodation expenses up to $1100 for travel with spouse and\or dependents, ANZ's is up to $3000. (Another point in the ANZ's favour)
      • Westpac's luggage cover is up to $20,000 per person, maximum $30,000 for all travellers covered by the policy vs. ANZ's $12000 per cardholder or spouse. ANZ has lower sub limits for computers, cameras etc. than Westpac's sub limits.
      • Westpac have luggage delay cover for up to $800 per person for a maximum of $1600 for cardholder and covered travellers, vs ANZ's up to $500 after 10 consecutive hours and an additional $1000 after 72 consecutive hours, limit of $1500 per cardholder or spouse.
      • Westpac rental vehicle excess cover is $5500 vs. ANZ's $5000.
      • Westpac's Personal Liability is $2,000,000 vs ANZ's $3,000,000.
      • Westpac's excesses are either $300 or nil, ANZ's are $350 or nil.
      • If you need screening for any preexisting conditions, Westpac will do it online for $45 plus any additional premium, ANZ will do it for $75 plus any additional premium.

      Of course, you should check the relevant PDS to make sure the cover is right for you and that you know what is being covered, especially because they can change at any time (Westpac's changed last month for example.)

      • Daveyw on 15/03/2023 - 11:32

        Thank you for the detailed breakdown, douglasac10!

  • ak-km on 14/03/2023 - 15:17
    +4

    NAB - 120,000 bonus Qantas Points

    90,000 bonus points when you spend $3,000 on everyday purchases within the first 60 days of account opening and 30,000 bonus points when you keep your card for over 12 months.
    You'll also enjoy a reduced annual card fee (from $395 to $295) for the first year.

    https://www.nab.com.au/personal/credit-cards/qantas-rewards/…

    • nzcoops on 14/03/2023 - 16:41

      Yeah I just got this last week, with a ridiculous limit.
      Like 3x any of the other 10 I've had in the past 5 years :/

    • [Deactivated] on 14/03/2023 - 17:20

      Lower spend, probably a easier and better deal.

    • ToBe on 15/03/2023 - 11:43

      a much better deal - also NAB pro-rata refund the annual card fee if you cancel early (i.e. as soon as the bonus points hit your QFF account)

    • ferguscan on 15/03/2023 - 15:21

      If you have to keep it for over 12 months, doesn't that mean you need to pay the annual fee twice?

      • ToBe on 15/03/2023 - 21:22

        Yep. I think we are better off cancelling ASAP then reapply 12 months later

  • denmec90 on 14/03/2023 - 15:23
    +10

    Isn't this one better : https://www.anz.com.au/personal/credit-cards/frequent-flyer/…

    110,000 bonus Qantas Points
    $255 back to your new ANZ Frequent Flyer Black card
    When you spend $5,000 on eligible purchases in the first 3 months

    Works out to be $170 (after the $255 back) for 110k points for the first year.

    • ak-km on 14/03/2023 - 15:31

      Is there an income requirement?

      • Weshouldgetsushi on 14/03/2023 - 15:34
        +2

        $75,000 p.a. Minimum income required

    • Mr BoMBAStiG on 14/03/2023 - 15:42

      This is def the best card at the moment for QFF.

      • radissimo on 14/03/2023 - 15:48
        +4

        ANZ is terrible for credit cards, been burnt twice, never again, YMMV

        • Mr BoMBAStiG on 14/03/2023 - 15:51

          It did vary. Very easy sign up!

        • Freestyle on 14/03/2023 - 18:14

          why?

          • radissimo on 14/03/2023 - 18:52

            @Freestyle: It started as applied for second card within 12 months by mistake, card was refused (which is fair enough), since then they needed multiple documents, calling many times to confirm earnings ( even all documents sent/uploaded), even I am way above the limit, having great Credit score >900 etc. After all this they refused another card again 2 years after so now I am not touching them even with a barge pole… [ all other banks I dealt with - Westpac, AMEX, NAB were great)

            • Freestyle on 14/03/2023 - 19:15

              @radissimo: i see, their rewards card was much better than cba one so i applied for it last week, lets see how it goes

    • eecan on 14/03/2023 - 16:20
      +1

      That one is better but there's nothing stopping people from doing both. I'm going for the Westpac card while I'm waiting for the 12 month cooldown on my ANZ card to tick over again.

      • cashless on 14/03/2023 - 23:07
        +1

        I’m on the opposite side of this cycle, waiting for my 12 months since Westpac :)

    • firestint on 14/03/2023 - 16:22
      +1

      Try asking for a refund of the annual fee. I cancelled my card after 3 months and got the full amount back of $370 ($55 reward program fee was non refundable) because apparently ANZ can't refund on a pro rata basis.

      So it was 160k QFF points with $3k spend in the first 3 months for $200 profit lol ($425 fee paid less $255 refund less $370 annual fee refund = $200 profit).

      • [Deactivated] on 14/03/2023 - 17:22

        Do companies refund annual fee? I thought they didn't once they've allocated points to you.

        • Murdrum on 14/03/2023 - 19:15

          I literally called up and asked nicely without any reason and Westpac refunded my fee. They said it was a one off so I made sure to cancel before the next year.

          • the fig man on 14/03/2023 - 19:42

            @Murdrum: I want your call script

            • Murdrum on 16/03/2023 - 10:16
              +2

              @the fig man: Me: Hi, I was charged the annual fee on my last statement. Could I please have it refunded?

              Rep: Let me look into it. Please hold… Ok, we can refund your annual fee. This is a once off.

              • bargainerpro on 20/03/2023 - 14:37
                +1

                @Murdrum: Did you have to cancel the CC before asking for the refund or did you just ask it without cancelling the card? Also, how much was the annual fee? Have you got other products with Westpac or just the CC?

                Thanks.

                • Murdrum on 21/03/2023 - 08:30

                  @bargainerpro: I hadn't closed the card yet. $250 fee. About 2 years go. Just the CC at that time!

        • firestint on 14/03/2023 - 19:18

          In my limited experience, NAB will refund no questions asked but pro rated. ANZ do too but only if you asked nicely

    • Wildesy on 14/03/2023 - 16:26

      Way better

  • cook99 on 14/03/2023 - 15:34
    +2

    This is their standard offer and has been available for months. Not a bad churner, I opted for $626 profit on the Altitude points card instead of this though.

    • hamwhisperer on 14/03/2023 - 15:46
      +1

      How did you get rid of the points, I still have 160k Qantas I'm scared to sell, due to the odd person posting they lost them all when Qantas blocked transaction

      • AircraftFreight on 14/03/2023 - 15:48
        +1

        Look there is nothing stopping you. However Qantas can and might stop the transaction and ask for proof of the family relation. And if you get to that point, the game is over and you are looking at being banned from QFF.

        • hamwhisperer on 14/03/2023 - 16:51
          +1

          Exactly and there's the odd anecdote of this occurring, on the other hand, there's OzB folks who have had no issue.

          • AircraftFreight on 14/03/2023 - 17:04
            +2

            @hamwhisperer: I have seen here of plenty of good and clean records, however I myself have had mishaps.
            Mum transferred 600k points last year for bookings (Im P and she is Gold, so I have the upper hand for requesting Classic Reward bookings)

            It was halted immediately and was emailed to attach supporting documents of an eligible family relation. Sent my birth certificate and away I went.

            • [Deactivated] on 14/03/2023 - 17:39

              @AircraftFreight: I don't know how people get away with selling them all the time? Seems so risky.

              I mean if you can't sell them, theyre not worth alot!

            • hamwhisperer on 15/03/2023 - 21:05

              @AircraftFreight: What does P vs Gold mean? thanks for this info, I'm re-terrified again. It was hard work messing with that ANZ card for 4 months

              • AircraftFreight on 15/03/2023 - 22:11

                @hamwhisperer: Qantas Platinum Status versus Qantas Gold Status, Platinum members can request any sale fare to be turned into a classic reward fare.

                • hamwhisperer on 17/03/2023 - 10:45

                  @AircraftFreight: The doco is hard stuff, I wonder how much effort they do to chase it. Esp if brother in law kinda stuff

                  Worries me, very annoying they create a fuss. - If I recall, buying gift cards on their store is rarely discounted?

      • cook99 on 14/03/2023 - 15:49

        Different deal. Westpac Altitude card is their own points which you can redeem for annual fee credits (even if you don't pay the fees)… This is not selling Qantas points, I wouldn't touch that !

      • [Deactivated] on 14/03/2023 - 17:23

        Buy stuff, resell it?

        Can you book a flight under someone else's name like Krisflyer?

      • Wildesy on 14/03/2023 - 20:59

        Can't you just buy gift cards with the points? I understand the return isn't as good, but it's better than losing the lot, surely?

  • RHSteven on 14/03/2023 - 15:36

    St George's one is just superior.

    • Mr Frodo on 14/03/2023 - 16:28
      +3

      Care to explain?

      Afaik nothing about St George is superior

  • solacens on 14/03/2023 - 15:52

    Just wondering which card daily spender applied for Qantus points. I'm a newbie on this.

  • plentifoo on 14/03/2023 - 15:59

    They’re all the same roughly – 90,000 points for the initial signup. +/- 30,000 if you stay past the first year meaning you’re liable for another year’s fee.
    All around the $250-$350 mark. The churn and burn life mean I can only signup for WBC or SGB now, but I don’t know if 90,000 points is worth me going through the wringer.
    Waiting for signup bonus to go back to 6 figure points before I bite

  • poormansfriedchicken on 14/03/2023 - 16:00

    how long do points take to get credited to QFF account? think government transactions aren't counted towards the minimum spend!!

    • littlesoldier on 14/03/2023 - 16:15
      +1

      got this Sept last year
      Yes, gov transaction dont count, and Aus post (including bill pay via AusPost) dont cant too

      • poormansfriedchicken on 14/03/2023 - 22:10

        how long did it take for points to arrive after you hit minimum spend?

  • yeunghong on 14/03/2023 - 16:13
    +1

    In case i don't spend enough, can i purchase Amazon/Woolies gift cards from shops in order to meet 6k spend in 120 days?

    • Moo Deng on 14/03/2023 - 16:43
      +2

      Sure

    • timhn on 14/03/2023 - 17:05
      +4

      Pay forward health insurance - if you have that.

  • End3vour on 14/03/2023 - 16:23
    +3

    How is this a deal? Aren't these standard fees? A deal = no fee for the first year, in my eyes.

    • Moo Deng on 14/03/2023 - 16:44
      +2

      Banks are tightening up and those deals are few and far between

      Personally this deal is not for me, but it may work for others so no harm in posting.

  • Drakesy on 14/03/2023 - 16:48
    +2

    Not great tbh, annual fees are right up there at $300 and 90,000 can be hand on an ANZ black for less.

    • AircraftFreight on 14/03/2023 - 17:06
      +2

      Best value imo is the American Express Qantas Ultimate, 2.25 points for QF bookings, 1.25 points for everything else, $450 Annuial Qantas Credit that offsets the $450pa annual fee, travel insurance, 100k QFF sign up bonus, and although not needed for me it might be handy to others, low $3000 min limit.

      • littlesoldier on 14/03/2023 - 17:58
        +1

        Sign up bonus is currently 75000QF
        Not the best card for churning but great for everyday spending

        Note that AMEX needs 18months not holding any Amex card for sign up bonus so it’s harder for churning anyway

      • andresampras on 14/03/2023 - 18:01

        is it hard to use the $450 travel credit? Apart from having to book through the amex site, are there any other restrictions or gotchas?

        • AircraftFreight on 14/03/2023 - 18:04
          +1

          None, its just like for eg. Webjet, Expedia ect

          • andresampras on 14/03/2023 - 18:06

            @AircraftFreight: cheers

          • Drakesy on 14/03/2023 - 19:19

            @AircraftFreight: Negatory

            Its for amex travel only

            • AircraftFreight on 14/03/2023 - 20:18

              @Drakesy: Yes as what I said, a Qantas Travel Credit used for Qantas flights. Its just that you need to book them through the Amex Travel Portal.

              I was using examples to show that Amex isnt the direct seller, its a third party.

        • cardiology on 14/03/2023 - 18:10
          +1

          I think you need to use them all at once and only for QF flights

          • littlesoldier on 14/03/2023 - 19:30

            @cardiology: yes, only for QF flight and can only use once
            They will also change the way how the travel credit works from 1 May 2023

            Beginning 1 May 2023, you will need to use your annual $450 Qantas Travel Credit on an eligible single Qantas flight booking of $450 or more on your eligible Card, made through American Express Travel Online. Your booking will be charged in full to your Qantas American Express Ultimate Card and American Express will then credit $450 to your Account within 3 business days.
            You will still receive your $450 Qantas Travel Credit each year, and your Travel Credit anniversary will remain the same.

            • daveishear on 14/03/2023 - 20:47

              @littlesoldier: I've been having a hard time using the Qantas credit because all Qantas flights a over priced compared to other airlines and most of the flight times are quite shit in comparison as well.

  • DingoBlue on 14/03/2023 - 17:24
    +1

    The sign up bonus is nice but holy cow $300 per year for what? 0.75 points per dollar?

    • Drakesy on 14/03/2023 - 23:00

      The Westpac Platinum is better value for money points wise

  • [Deactivated] on 14/03/2023 - 17:29

    about time but $6k wow

    • Futura on 14/03/2023 - 19:03

      My old man does that in a day on materials.

  • Skramit on 14/03/2023 - 17:32
    +1

    Thanks OP, ordered! Dont need a credit card but this seems to be a good deal.

    • timhn on 14/03/2023 - 19:50

      Not really unless you’re after Qantas points. Right now, the Citibank Prestige is better value. At least +$1000 worth of gift card value + lot other perks.

      • [Deactivated] on 14/03/2023 - 20:56

        Link?

  • spammingb on 14/03/2023 - 17:54
    +10

    https://www.westpac.com.au/personal-banking/credit-cards/rew…

    ALTITUDE QANTAS PLATINUM seems better?

    70k Qantas points, $49 card fee for first year if you're already with Westpac. +50 annual Qantas reward fee

    You're paying $200 more for 20k points in this deal

    Also it's 4k spend in 90 days

    • Drakesy on 14/03/2023 - 19:19

      Lol
      You're absolutely bang on
      +1

    • the fig man on 14/03/2023 - 19:47

      This or the ANZ one posted by denmec ? hmmmm

    • Poolprouk on 14/03/2023 - 23:15

      Yes people seem to go for the black level deals when you get only a relatively small number of extra bonus points for at least double the fee. Madness IMO.

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