Westpac Qantas Black Credit Card: 90,000 Qantas Points with $6000 Spend in 120 Days, $225 Fees in 1st Year for Westpac Customers

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Westpac Qantas Black Credit Card: 90,000 Qantas Points with $6000 Spend in 120 Days, $225 Fees in 1st Year for Westpac Customers
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minijumbuk on 13/08/2024 - 22:18 westpac.com.au (468 clicks)
Last edited 13/08/2024 - 22:27 by 1 other user

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

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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?

    • AH on 13/08/2024 - 23:50

      can have multiple cards (currently on 3)

  • CptnObvious on 13/08/2024 - 22:25

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

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

    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
          +2

          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.

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

      sure that could work

  • lomie on 13/08/2024 - 22:35

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

  • lomie on 13/08/2024 - 22:55
    +1

    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

        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

            @Amstar: No lounge access for Platinum.

  • 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
      -4

      some program

      youre welcome to transfer to my program

  • Drakesy on 13/08/2024 - 23:09

    Ngl this is pretty sub par
    Anz black and NAB still has this pipped

    • 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
        +3

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

    • SuperMrBlob on 13/08/2024 - 23:25
      +1

      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?

  • tunzafun001 on 13/08/2024 - 23:15
    +1

    $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

      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

        😅

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

        Can transfer altitude poitns to velocity without a fee.

    • aero2146 on 13/08/2024 - 23:59
      -3

      There's a way to get it for free, search online.

  • aero2146 on 13/08/2024 - 23:59
    -2

    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

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

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