Westpac Altitude Qantas Black Credit Card: 90,000 Qantas Points with $6000 Spend in 120 Days, $225 1st Yr Fees Existing Customer

1340
Westpac Altitude Qantas Black Credit Card: 90,000 Qantas Points with $6000 Spend in 120 Days, $225 1st Yr Fees Existing Customer
Go to Deal
minijumbuk on 13/08/2024 - 22:18 westpac.com.au (6936 clicks)
Last edited 14/08/2024 - 10:56 by 2 other users

Seems decent at the reduced annual fee of $150 for Westpac customers in the first year ($295 thereafter). There is also a $75 annual rewards program fee.

In terms of bonus points:

  • Earn 90,000 bonus points with $6,000 spend on eligible purchases within 120 days of approval.
  • Earn an additional 30,000 bonus points after the first eligible purchase during the second year.

I used an old Westpac login I had and was able to get the reduced annual fee even though I had no active bank or credit card account with them anymore.

Financial Credit Card Frequent Flyer MasterCard Qantas Frequent Flyer Reward Points

Related Stores

Westpac
Westpac
Qantas
Qantas

Comments

  • Save Medicare on 13/08/2024 - 22:24

    Finally a good deal, shame I am in the middle of a meager points bonus with st george

    • James1990 on 13/08/2024 - 23:10

      Saw on Facebook national bank business CC offers 200,000 QFF points on new applications, but upon apply there's no way that web portal can approval anyone , not sure if they are store only offers.

      • jackspratt on 14/08/2024 - 00:48

        Which national bank is that - can you be more specific?

        • Unotifoso on 14/08/2024 - 07:29
          +3

          Assume it's NAB

    • AH on 13/08/2024 - 23:50

      can have multiple cards (currently on 3)

    • Mr BoMBAStiG on 15/08/2024 - 11:33

      Is this to protect your credit file or does holding one affect your bonus point eligibility? I am about to open an Amplify Signature with St George for 80k points but already have a Westpac Platinum <12months.
      I couldn't see anything where one affects the other in the T&Cs.

      • GS9891 on 22/08/2024 - 22:57

        Offer not available if you’ve held an Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas or Velocity in the last 12 months. T&Cs apply.

        • Mr BoMBAStiG on 23/08/2024 - 08:54

          Interesting. So it could be across all 4 banks. Thanks for the heads up.

          • GS9891 on 23/08/2024 - 08:55

            @Mr BoMBAStiG: It is, as it's all just Westpac at the end of the day.

            • Mr BoMBAStiG on 23/08/2024 - 08:58

              @GS9891:

              Existing customers who currently hold an Amplify, Amplify Platinum or Amplify Signature card issued by St.George, Bank of Melbourne or BankSA, or who have held one in the last 12 months, or Credit Card Product Switches, upgrades or Westpac group staff are not eligible for this offer.

              I reckon I will be ok. St George is branded Amplify

              • GS9891 on 23/08/2024 - 09:04
                +1

                @Mr BoMBAStiG: Ah if your old one was Westpac and applying for St. George now yeah, (not for this deal though).

      • mauza on 25/08/2024 - 17:00

        Even though technically it is all the same bank, the card is different. I had Westpac in January and StGeorge in March, got all bonus points, no issue.

  • CptnObvious on 13/08/2024 - 22:25
    +4

    Hope the other banks lifts their game (looking at you CBA).

    • sena86 on 14/08/2024 - 11:09
      +5

      CBA has always been the worst from a credit card bonus points perspective (between the big banks)

      • xrailgun on 14/08/2024 - 11:26
        +4

        CBA has always been the worst, period. Their entire business model seems to be luring in new international students for a temporarily free account, and then charging them every fee imaginable once they graduate.

        • jmeister on 14/08/2024 - 14:52
          +5

          i've been with CBA since i was a kid, so like 30+ years now.
          I'm also with all the other major banks (Westpac, NAB, ANZ) and TBH, CBA's mobile banking app is the best in the business, that is the sole reason why I stay with them. Westpac is getting close these days, but still a long way off.
          CBA saw the market early with Netbank initially, and now mobile banking. That's how they stay ahead and retain customers.

          • CodeXD on 14/08/2024 - 14:53

            @jmeister: Plus the catchy

            Which bank? Commbank.

          • Friendly Troll on 15/08/2024 - 03:46
            +1

            @jmeister: Agreed CBA is one of the best. Ubank and Up are on my top list as well. Ubank introduced passkeys which is a bonus to security.

            St George/BankSA app is the worst I've used… extremely backwards.

          • Ifndefx on 15/08/2024 - 10:51
            +2

            @jmeister: yeah same, I'm with CBA and their mobile app is excellent compared to the others who put very little effort.

            But their card does suck.

  • ts13 on 13/08/2024 - 22:26
    +45

    This isn’t 120k bonus points.
    It’s 90k + 30k after 12 months. Big difference (2x annual fees).

  • Wiadro on 13/08/2024 - 22:29

    I used an old Westpac login I had and was able to get the reduced annual fee even though I had no active bank or credit card account with them anymore.

    cant you just sign up for a online acct and do the same?

    • nightelves on 13/08/2024 - 22:41
      +1

      And having to transfer $2000 every months just to save $5 in monthly fees? No thanks!

      • Wiadro on 13/08/2024 - 22:52

        $10 in fees for 2 months and cancel the savings acct, saves you $145 on card fee for the first year..

        • nightelves on 13/08/2024 - 23:09
          +4

          Why would you need to do that when the commenter is saying that their old login does exactly what a savings account does.

          FWIW I have the same setup, my old login bypasses the 100 points ID check as well treating me as a Westpac customer therefore getting a reduced annual fee whenever I apply for a cc.

      • Ckanna on 13/08/2024 - 23:46

        From the t&c of choice saver, there isn’t a need for $2000 deposit as per the current offer for the next 12 months.

        • nightelves on 14/08/2024 - 04:06

          Correct but that offer end on 30/09 and so next year when you have to apply for this cc again you’ll then have to do the $2000 in and out just to avoid the $5 monthly fee.

    • minijumbuk on 13/08/2024 - 22:56

      sure that could work

  • lomie on 13/08/2024 - 22:35
    +1

    Qantas Frequent Flyer Points Calculator
    https://www.qantas.com/au/en/frequent-flyer/calculators.html…

  • lomie on 13/08/2024 - 22:55
    +10

    What about this one:
    Altitude Qantas Platinum

    • 60k Qantas points in year 1, $4k spend in 90 days.
    • $49 annual fee (reverts to $175 thereafter)
    • $75 annual Qantas Rewards Program fee
    • But only 0.5 points/$ spend

    So:
    Platinum

    • 60k with $124 in fees 1st year = 484pts/$

    Black

    • 90k with $225 in fees 1st year = 400pts/$
    • ballistykx on 13/08/2024 - 23:04

      Might have to factor in points from minimum spend too.

      • lomie on 13/08/2024 - 23:08
        +1

        Might have to factor in points from minimum spend too.

        Factoring in points accumulated from the minimum spend:
        Platinum

        • 62k with $124 in fees 1st year = 500pts/$

        Black

        • 94.5k with $225 in fees 1st year = 420pts/$
        • Amstar on 13/08/2024 - 23:34

          Fair point but black gets you lounge access, not sure if platinum has lounge access

          • lomie on 14/08/2024 - 00:10
            +1

            @Amstar: No lounge access for Platinum.

          • RTX9090Ti on 17/08/2024 - 08:58

            @Amstar: lounge access cannot be resold. so platinum is more worth it if you're not flying in the next 12 months.

            • BLAIL on 21/08/2024 - 16:50

              @RTX9090Ti: how much would lounge access cost if can buy separately?

    • financialminimalism on 14/08/2024 - 02:33
      +6

      Need to also consider the 12 months exclusion from westpac once you churn this card. In my view, it's better just to pay slightly more for the extra 30,000 points now, knowing you need to wait 12 months to get this card again.

      • LanceVance on 14/08/2024 - 13:16
        -1

        All cards have that exclusion within 12 months of cancellation.

        • Pandamony on 14/08/2024 - 18:32
          +1

          NAB makes you wait 18 months.

        • UrMumsOnlyFan on 15/08/2024 - 09:01

          Most typically have a 12 month exclusion period, but some are 18 months (American Express and NAB), and others apparently have no exclusion period (e.g. Citibank and Virgin Money).

    • noted on 29/08/2024 - 20:32

      I checked the deal and it's actually $119 annual card fee (not $49) for the first year (usually $175), plus an annual $75 Qantas Rewards Fee.
      https://www.qantas.com/au/en/frequent-flyer/member-offers/we…

      Edit: never mind, you have to be a Westpac member to get a $49 annual card fee for the first year.

  • TwentyTwoCarats on 13/08/2024 - 22:57

    What's the best current churner at the moment?

    Coming off Amex Plat in a month and will need to transfer about 380k Amex points into some program (velocity / qantas / qatar / kris / asia miles)…

    I should really put these points into the points system for my next churner. I do use Virgin for a lot of domestic flying so velocity could be the go for me, never used any other program. However I might transfer these Amex pts into Qatar as sometimes it's pretty good value for flights to Europe via Doha…

    Any ideas? Happy to churn to a high fee card as long as I can profit off it - not just break even.

    • Wiadro on 13/08/2024 - 23:02
      -3

      some program

      youre welcome to transfer to my program

    • TheFreaK on 14/08/2024 - 10:22
      -1

      Kris is pretty well regarded.. can also transfer to velocity if you use Virgin a lot and transfer the Velocity to Kris for international travel

    • TwentyTwoCarats on 13/08/2024 - 23:20

      with those ANZ and NAB ones, is it worth it to keep it for 2 years to get those second year benefits, or would you still run after 1 year?

      • stopthecap on 13/08/2024 - 23:23
        +11

        You run as the first points drop, wait 12 months from closing and churn again.

        • CodeXD on 14/08/2024 - 08:15

          NAB you gotta wait 18 months between churn

          • Drakesy on 14/08/2024 - 08:45

            @CodeXD: Dont have to spend $6k though and you don't have to already have an account with them

    • SuperMrBlob on 13/08/2024 - 23:25
      +3

      It seems to me like NAB is same points, better point earn rate (1 vs 0.75), lower min spend (though half the time to achieve that min spend) for $70 higher fee. Am I missing anything?

      Probably worth $70 but also not obviously better.

    • AAAB on 13/08/2024 - 23:31
      +1

      You're right but wouldnt this be a decent deal to run inbetween churning those 2 anyway? Given if every single month is being churned in a year, you could theoretically use 4 diff cards?

    • ppbb on 14/08/2024 - 09:34
      +2

      Agree here! NAB and ANZ are the best options IMO without any opt in fees for Qantas FF. Only thing you need to decide between is the additional cardholder fee for ANZ and not NAB (keeping in mind NAB increasing their annual fees slightly next month.

      • ppbb on 14/08/2024 - 10:53

        Retracting my previous ANZ comment, as they sneakily include the $55 opt in fee into their annual fee. NAB Qantas Signature is my stand alone go-to

    • sena86 on 14/08/2024 - 11:17

      Agreed it's not as good as the ANZ or NAB deals, but still a good deal (not sure it's worth negging)

      $225 for 90k points (plus 2x QF lounge passes), with 4 months to make the minimum spend.

  • tunzafun001 on 13/08/2024 - 23:15
    +4

    $75 Qantas rewards fee. Refuse to pay this, it's rediculous. $75 for what exactly?
    Velocity can have my business.

    • NinjaGamer on 13/08/2024 - 23:29
      +5

      Unfortunately the Velocity version of the card still requires you to pay $75 in order to join their rewards program

      • montorola on 13/08/2024 - 23:57
        +1

        😅

      • tunzafun001 on 14/08/2024 - 00:50
        +2

        Can transfer altitude poitns to velocity without a fee.

      • NinjaGamer on 14/08/2024 - 00:03

        how can you waive the $75 fee?

          • PopCounty on 14/08/2024 - 00:11
            +5

            @aero2146: It’s the bank charges towards Qantas points offering. Not Qantas account opening fee.

          • benwaffle on 14/08/2024 - 00:11
            +2

            @aero2146: The fee is to earn qantas/velocity points and is payable every year. It's not to join the QFF or VFF program

          • starburstyellow on 14/08/2024 - 00:12
            +2

            @aero2146: If you click the link it mentions: Annual Altitude Qantas Rewards Program fee. Its not the actual FF number, but an admin fee of sorts.

          • tunzafun001 on 14/08/2024 - 00:50
            +1

            @aero2146: Thats just a Qff membership, not westpac rewards (which again…is a joke)

            • Tony-Abbott on 14/08/2024 - 01:38
              -3

              @tunzafun001: Tunzafun001 THIS IS A BANK FEE, NOT AN AIRLINE FEE……..
              SIMPLE REALLY

              • tunzafun001 on 14/08/2024 - 09:50
                +1

                @Tony-Abbott: Yes…a back end electronic 'connection' with no physical cost…$75. It's very much a bank fee, which I don't pay.
                They can get the transaction %.
                Never used to be a thing.. Westpac brought it in first.

    • hypnOtixx on 14/08/2024 - 10:34
      +1

      This is fee for the CEO's yacht.

      • tunzafun001 on 14/08/2024 - 14:30

        And money laundering fines….

    • JinXR on 14/08/2024 - 11:49

      To brag that you have a Qantas rewards card

    • Excelsior on 14/08/2024 - 12:52

      Simple - easy way to squeeze extra $$ out of customers.

  • aero2146 on 13/08/2024 - 23:59
    -6

    I would say ANZ is a better deal, as you only have to spend $5000 in 3 months and no requirements of being an ANZ customer

    https://cardsandbanking.qantas.com/compare-credit-cards

    • Brick50 on 14/08/2024 - 00:10
      -1

      But this is still a good deal for churners, too bad im not eligible again until December this year for westpac

  • Tele on 14/08/2024 - 04:17
    -4

    Wow these banks, all I see here is have some pretty worthless points and oh by the way have some of this stufff fees fees fees fees
    No thanks

    • freekay on 14/08/2024 - 07:48
      +3

      I know. It's almost as if they wanted to make a profit or something!?

    • Repstar on 14/08/2024 - 08:05
      +3

      You clearly have never flown business. $225 for a confirmed business ticket is an absolute bargain.

      • alcadive on 14/08/2024 - 11:19

        I’m new to FF points and churning. Is it confirmed because this is enough points to upgrade a flight to business class?

      • nadan on 14/08/2024 - 11:59
        +1

        Don't give them the impression that it is only points, you have to pay booking fee as well which in some cases is close the cost of an economy ticket.

      • Drakesy on 14/08/2024 - 19:42
        +1

        Don't forget the extortionate taxes though…

      • igorekh on 14/08/2024 - 20:24

        Oh, and good luck with finding available "Classic" seats, especially out of Australia.

        • Repstar on 14/08/2024 - 21:00
          -2

          Easy as with status.

        • UrMumsOnlyFan on 15/08/2024 - 09:08

          This is the key challenge, which to be fair is going to be the case with most FF programs. Millions of members competing for an extremely limited number of seats per flight.

      • coffeeinmyveins on 20/08/2024 - 20:23

        you are not paying $225 to get business.

        • vetopower on 21/08/2024 - 10:19

          I'm guessing they're talking about the carrier surcharges on an award ticket.

  • hhbb555 on 14/08/2024 - 08:20

    Note for non citizen, westpac now is asking for a valid visa (ie. Even if you have a PR visa, you'd have to provide valid expiry date, meaning need to have a valid RRV even if you don't have any plan to travel overseas)
    This seems to be a new addition this year on westpac

    I didn't notice this with other banks like NAB

  • bargainfinder on 14/08/2024 - 09:58

    Is paying council rate count toward spending requirements?

    • ppbb on 14/08/2024 - 10:21
      +1

      †Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account.

      It may not be?

    • TheFreaK on 14/08/2024 - 10:25

      Government and government associated entities typically don’t count towards spending requirements

      • legelas on 16/08/2024 - 10:23

        How about car and house insurance? I have some big spending coming in that category

        • TheFreaK on 16/08/2024 - 12:24
          +1

          Those should be fine

  • bumpyhead on 14/08/2024 - 10:18

    got rejected by westpac CC 1 year ago, should I re-apply this time?

  • G Wok on 14/08/2024 - 10:28

    Looking to cycle in - is this the best points option in the current meta?

    There used to be first year annual fee free but I think that era is over

  • OmboKing on 14/08/2024 - 10:42
    -1

    Problem I see with this is that to become a customer, I’d need an account and get charged $5 a month if not depositing $2000 each month. Yeah, I could do it, but I have my transaction account elsewhere and really am not feeling bothered to do it.
    Would like a similar deal without having to become an existing customer!
    Thanks for the share OP

Login or Join to leave a comment
Login Join