Westpac Altitude Qantas Black Credit Card: 90,000 QFF with $6000 Spend in 120 Days, $295 + $75 Annual Fee ($225 1st Yr Existing)

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Westpac Altitude Qantas Black Credit Card: 90,000 QFF with $6000 Spend in 120 Days, $295 + $75 Annual Fee ($225 1st Yr Existing)
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opc12 on 10/01/2025 - 11:51 westpac.com.au (1171 clicks)
Last edited 10/01/2025 - 17:17 by 1 other user

Seems this expired deal has been renewed with the reduced annual fee of $150 for existing Westpac customers in the first year ($295 thereafter) and a $75 annual Qantas rewards program fee.

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

Not applicable if you have held an Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas or Velocity in the last 24 months.

Financial Credit Card Frequent Flyer MasterCard Qantas Frequent Flyer Reward Points

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Comments

  • Stingy Student on 10/01/2025 - 11:54

    Anyone know roughly how much value 90,000 Qantas points is?

      • freefall101 on 10/01/2025 - 12:17
        +14

        For future reference, you should use the points on flights and not hotels if that's the rate you're getting.

        • bxy00 on 10/01/2025 - 12:36
          +4

          Except I can book way cheaper flights directly than via Qantas, so in the end I felt it was worth it.

          E.g. my flights that cost 1.2k would've cost 2k+ with Qantas, so even with points I'm paying more.

          • illusion99 on 10/01/2025 - 12:47
            -1

            @bxy00: Are you saying the cash component for a rewards points booking is over 2k? That’s not right. Even a first class emirates flight cash component is like $1800 when you book it with points

          • MTW on 10/01/2025 - 12:49
            +7

            @bxy00: Best way to use them is Classic Rewards flights, not points + pay. Classic rewards means you only pay the tax element if the flight.

            For example right now SYD - LAX in June is 41,900 points each way and 150-240 in tax

            • endolphin on 10/01/2025 - 16:44
              +1

              @MTW: I just looked at a random June day and you can book a direct Syd to LAX flight with United for $743, so with your example there with $240 in taxes, those 41900 points are saving $503, i.e. worth 1.2c per point. Better than hotel bookings, but not hugely better.

              I have on occasion paid cash for flights instead of a rewards point flight because the value was less than 1.0c.

          • freefall101 on 10/01/2025 - 13:04
            +4

            @bxy00: I don't know the specifics of your trip, but generally speaking less than 1c per point on redemption is poor.

            I would have paid cash for the whole lot and kept the points for a trip it made sense on, but I also get just wanting to use points if they're burning a hole in your pocket.

          • unhuman on 10/01/2025 - 14:39
            +1

            @bxy00: You booked emirates. You can fly 35000 miles in business for 318k points. Meaning you can go around the world. Hotel booking with Qantas points is what Qantas wants cuz you just saved them more than 1200

      • donman92 on 10/01/2025 - 14:21
        -2

        Womp Womp

        Someone didn't go to pointhacks and freepoints website

    • gembel on 10/01/2025 - 12:06
      +5

      you can fly Emirates first class from Dubai to Europe one way
      equivalent to $9-10k AUD

    • xiaozaocha on 10/01/2025 - 12:06
      +1

      depends on how you spend it.

      It is enough to fly to Japan by JAL business one way, worth at least 3-4k AUD.

      However, it could be swapped to giftcard may worth less than 0.9k.

      • donman92 on 10/01/2025 - 14:22

        50k points for return flights to Japan from bris on Qantas too

      • endolphin on 10/01/2025 - 16:49
        +1

        Yeh but would you ever actually pay $3-4k to fly business one way to Japan?

        Another way of looking at it. If you booked that flight on points and someone offered you $3k for it, would you take the money, fly economy and pocket the difference, or would you still keep the business flight?

        • xiaozaocha on 10/01/2025 - 17:16

          Just want to explain to the new comer it is hard to value the points.

          Personally I would not pay for the cash price as I redeemed 6 long haul premium cabins last year and no need to pay for it.

    • original15 on 10/01/2025 - 12:07
      +1

      Depends if you're using them to buy iphones from the qantas marketplace or not…

    • djkelly69 on 10/01/2025 - 12:09
      -1

      Not far off the amount needed for a one way business class reward flight SYD-LAX or vice versa (if you can find them), which would be worth around $4k.

    • mxlmxlmxl on 10/01/2025 - 12:22
      +3

      Value points from an aarning perspective at 1c. Meaning 90000 points is worth $900 of value.

      In redemption value, NEVER EVER use them on hotels and worse, there marketplace. Only ever on flights. In which case the value goes from 1.5c to 6.5c based on the flight/location etc.

      This deal is one of the better ones today simply due to the lower annual fee. Plus Westpac many find are "easier" to apply and be approved for over some others (like ANZ).

    • DingoBilly on 10/01/2025 - 12:28
      +1

      1c per point, so $900 is the best estimate.

      Ignore everyone equating it to thousands of dollars on business or first class. If you're using them to upgrade your economy flight to business you're not making $3000 you're just losing $900 as you still get there in economy.

      • DuckWearingTopHat on 10/01/2025 - 13:14

        Yeah I'm new to points but recently did the nab card and realised NAB points to gift cards were about 0.5c but because 2:1 to velocity it's 1c per velocity point which seems to be in line with most economy tickets and everyone just over hyped business/first class upgrades making me feel like 1c per point was bad.

    • Wezzer on 10/01/2025 - 12:32

      I just booked Sydney - Vancouver direct one way for 41,900 points and $188 in fees. so It's enough points to get you there and back and have enough left over for a domestic flight.
      Better $$ value in business though if you can find it.

    • jedimaster on 10/01/2025 - 14:40

      if you are selling it in ozbargain classifieds, going rate is 1.35c per point so 90k points would be $1215 AUD

    • Karforoffer on 10/01/2025 - 15:24

      Personal experience: 18000 points one way Melb to Bali (DPS) - 36k points return (plus 150 bucks)

    • SydChamp on 10/01/2025 - 18:31

      8000 points will be around $150 for local flight redemption

  • Gina Rinehart on 10/01/2025 - 11:56
    +12

    Seems like all the banks are chucking 24 month limits on to lower churning capability :(

    • xiaozaocha on 10/01/2025 - 12:08

      OMG that's very long cooling period

    • Mokr on 10/01/2025 - 12:28

      You know your in a recession when banks are cheaping out

      • nightelves on 10/01/2025 - 12:35
        +2

        Are we really in a recession though?

        • FatTofu on 10/01/2025 - 16:12

          Thought it’s been a long time on per capita basis

    • vetopower on 10/01/2025 - 12:55

      Just put it all on your Amex Centurion, Gina.

  • adrianhughes1998 on 10/01/2025 - 12:01
    +34

    These are very dark times for us churners

    • soundboy5010 on 10/01/2025 - 12:25
      +4

      I will say as a former personal churner, you're right, it's awful bonus points, high limits, high exclusion periods and the loss of many once-great benefits.

      But as a business churner, it's never been better!

      180k points from AMEX, 200k points from NAB all in the last month. All with much easier applications/approvals (with the right business earnings in play).
      The beauty of this is I can also sometimes apply for personal cards too and be eligible for bonus points.

      • Onemoredeal on 10/01/2025 - 12:48

        I have friends that run their plumbing company through a points credit card and they make enough points annually for return business class anywhere for both if they can find them. To them it’s nothing, no churning just doing what they do. I’m very jealous haha

      • adrianhughes1998 on 10/01/2025 - 13:05

        Wish I had a business :(. I used to do Qantas / Velocity combined of about 400-450k points a year just on personal credit cards, but now it's drying up :(

      • Deal finder on 10/01/2025 - 13:07

        NAB 200k points with $295 fee?

      • jdhau on 10/01/2025 - 15:25

        I currently have a NAB and Amex live for my business. I don't churn the Amex as I use it for its high points per dollar, but will happily churn my NAB. Any additional deals you're aware of?

  • cardiology on 10/01/2025 - 12:01

    Do you know the minimal annual salary requirement?

    • gembel on 10/01/2025 - 12:03

      $15,000 Minimum credit limit
      $75,000 p.a. Minimum income required

      • valkeris on 10/01/2025 - 12:17
        -1

        You can get a lower minimum credit limit. That is the standard but my card has a 10k limit because I asked them to lower it while refinancing a home loan. Just ask.

  • atom1319 on 10/01/2025 - 12:03

    Velocity is also 90,000

  • jabroni on 10/01/2025 - 12:10
    +7

    " in the last 24 month"

    RIP my churning

  • Bigfellaborham on 10/01/2025 - 12:12
    -1

    90k straight up or 60k then 30k after a year?

    • TerryJustTerry on 10/01/2025 - 12:16
      +1

      Its a bit badly worded, no offense OP.

      But its up to 120,000 bonus Qantas Points~ — 90,000 Qantas Points in year 1 if you spend $6k+ on eligible purchases within 120 days of new card approval and an extra 30,000 points after your first eligible purchase in year.

      90K is lump sum, then another 30k points after 2nd year

      • Bigfellaborham on 10/01/2025 - 12:22
        +1

        Oh that’s great. I’ll get on it. Sometimes they do the bait and switch by it seeming like a lot but it’s only if you hold for 12+ months. Defeats the purpose of churning.

        • TerryJustTerry on 10/01/2025 - 12:44

          True, like many of these multi-year deals it is completely worth it for one year and less so worth it for two years (unless you use the various additional bonus's to their full potential).

  • agalea101 on 10/01/2025 - 12:18
    +5

    24 months :( hiyahhhh

  • 69dollars on 10/01/2025 - 12:19
    +4

    Westpac was the easiest application I’ve done. Took 10 mins and I got my application approved with a digital card. 0.75 points per $1 spend is a bit meh though.

    • Anon257 on 10/01/2025 - 12:49

      If this is a bit meh, what is the best CC in your opinion right now?

      Having a hard time finding good options these days. Also locked out of Westpac for another year

      • 69dollars on 10/01/2025 - 13:35

        I like the ANZ black FF. $5000 min spend in 3 months and 1pt/$1. Same two complimentary lounge passes like Westpac. Application was a bit more difficult to get approved but YMMV.

        Edited to add up to 130k points (90k first year) and annual fee of $225.

        • keejoonc on 10/01/2025 - 18:09

          I signed up to the ANZ card this week also. Only had to upload payslips and copy of rental agreement for investment property. Application was approved the day after. Wife was knocked back though.

  • Dmd on 10/01/2025 - 12:24

    How long do you need to keep this after getting the points before you can cancel?

    • nightelves on 10/01/2025 - 12:37
      +1

      I cancelled one day after getting the points.

      • karu on 10/01/2025 - 12:50

        They've stopped pro-rata refunds for the annual fee within the first year. The 18 - 24 month cooling off periods are a bit much too.

        • nightelves on 10/01/2025 - 12:50

          When did you last try because I got a full refund in late November last year.

        • Taako on 10/01/2025 - 13:08

          I'm the same as @nightelves - I cancelled a few days after my first month statement when I got the points, and they gave me a full refund when I asked. They even refunded the $75 Qantas rewards program fee as well. This was mid December 2024.

          • EBC on 10/01/2025 - 14:05

            @Taako: Any song and dance about why you are cancelling? Or just "I want to cancel" and "can you refund the annual fee?"?

            • nightelves on 10/01/2025 - 16:05
              -1

              @EBC: Yeah just “I want to cancel because I have extracted everything I needed from the card and now I need you to give me my annual fee back.”

  • Tony-Abbott on 10/01/2025 - 12:26

    So if I've been charged the annual fee in September, would I be charged it again now?

  • YuxuanZhang on 10/01/2025 - 12:38
    +1

    It looks like they require either permanent residency or citizenship.

  • debo on 10/01/2025 - 12:47

    the question is do I have the appetite to go through all the time and the pain in the neck admin? done it before a couple of times and the whole exercise needs to treated as a mini-project and managed as such.

  • wizza16 on 10/01/2025 - 12:53

    I’ve had a bank of melb credit card - would this make me ineligible for the Qantas points? 🤔

    • nightelves on 10/01/2025 - 12:55

      They’re two different products so you’re good.

  • HomebrewFC on 10/01/2025 - 12:55

    If you're not an existing customer, is it as easy as opening a bank account with Westpac first to get the reduced annual fee?

    • Taako on 10/01/2025 - 13:02
      +2

      Yes, that's what I did in December.

  • firestint on 10/01/2025 - 13:05

    Just be careful with how Westpac calculate the waiting period. Had a variant of this card and closed on 10/Oct/2023, confirmed via live chat that I would be eligible if I applied after 11/Oct/2024 (waiting period was still just 12 months back then), so I applied on 21/Oct/2024 and got approved.

    Hit the spend required in the first month but no bonus points came in even after 3 statements, called them and apparently system flagged me as ineligible as I was still within the 12 month period. Seems like they calculate by calendar month and not by date. So was told to lodge a complaint and they would manually credit the bonus points in the next statement.

    • nightelves on 10/01/2025 - 13:18

      That is so weird. Have never had that happened.

    • Mydc5r on 10/01/2025 - 13:19

      Correction required.
      It is 24 months waiting period not 12!

      • firestint on 10/01/2025 - 13:29

        The extension was recent, I applied before they changed to 24 months.

        • Mydc5r on 10/01/2025 - 14:01
          -4

          Yes but they have changed it. Therefore, might be good to update your comments to ensure people do not take your 12 months example as policy.

          • cheesecactus on 10/01/2025 - 14:45
            +2

            @Mydc5r: Their original comment seemed pretty clear

            "waiting period was still just 12 months back then"

    • Bigboy97 on 10/01/2025 - 13:21

      Similar experience, quick phone call got the points manually credited by COB. Staff where understanding and accomodating.

      • firestint on 10/01/2025 - 13:29

        Did you have to wait till the next statement to get the bonus points manually?

        • Bigboy97 on 10/01/2025 - 14:30

          No, was credited by the end of the day

          • firestint on 10/01/2025 - 15:12

            @Bigboy97: … they told me points can only be credited in line with statement dates. I am still waiting for my next statement, what a load of BS

    • WookieMonster on 10/01/2025 - 17:12

      I had something similar happen to me.

      I had a Westpac Altitude Platinum credit card that I closed in January 2023, then I was approved for a Westpac Velocity Platinum credit card in March 2024 (and yes, the exclusion period was still 12 months at that point). I thought I easily met the bonus points criteria for the Velocity credit card, but after I received no bonus points after waiting 15 weeks, I called Westpac. The person on the phone told me their systems showed my Westpac Altitude Platinum credit card was closed in April 2023 and I therefore applied for my new credit card within the 12 month exclusion period, which I refuted. The person then lodged a case with the relevant team (Westpac Rewards team, I think?), and this team agreed to manually credit my missing bonus points.

      After closing the Westpac Altitude Platinum credit card in January 2023, I had three months to redeem any remaining Altitude points before forfeiting them. I suspect Westpac’s systems consider the closure date for an Altitude credit card being the date you cannot claim any remaining Altitude points, rather than the date listed on the credit card closure confirmation letter.

      Was the credit card you closed on 10 October 2023 a Westpac Altitude credit card?

  • Deal finder on 10/01/2025 - 13:06
    +2

    whats the $75 annual Qantas rewards program fee for? Do you have to pay this even if you are already a QFF member?

    • vetopower on 10/01/2025 - 13:09
      +3

      A junk fee to make the annual fee look lower than it is.

      Yes you have to pay it if you want to earn Qantas points on this card, even if you're a member of QFF.

    • agalea101 on 10/01/2025 - 13:10
      +1

      Yeah it's what Qantas charges the banks even though a pet dog can sign up for free … It's annoying

      But since becoming a Westpac person

      I found that once U do the churn deed , depending on the rep and if you can make them laugh - annual fee and Qantas fee can be waived

      Good luck 😊

      • vawiyoci on 10/01/2025 - 14:45

        annual fee and Qantas fee can be waived

        Was this recently and on first try? Through their online chat or over the phone?

  • ChibsQT on 10/01/2025 - 13:47
    +19

    Thanks for posting this.

    Just went through my churn tracker spreadsheet and updated the cooling off periods/bonus amounts:
    - Westpac went from 12 months to 24 months
    - CBA went from 12 months to 18 months
    - St George/BOM went from 12 months to 24 months

    QMoney premier card has also now decreased bonus points from 80k to 50k, with the extra 30k only granted "If you haven't earned any Qantas points in the past 12 months with any credit card." while still asking a annual fee of $349. This makes the Qantas Premier card now have the lowest bonus point yield per $ of annual fees at 144 point/$, prob not worth it anymore.

    Due to these changes, the annual possible yield of bonus points from rotate-churning 7 personal credit cards (non-business) went down by 100k. Used to be able to easily get 450k a year if I timed them all correctly.

    Referring to the various cards which offer bonus points, here are the ones I use with point/$ ratio (combined annual + QFF participation fee):
    - ANZ: https://www.anz.com.au/personal/credit-cards/frequent-flyer-… , 400 point/$, 12mo lockout
    - CBA: https://www.commbank.com.au/credit-cards/smart-awards.html , 833 point/$, 18mo lockout
    - Citi: https://www1.citibank.com.au/credit-cards/citi-premier-qanta…, 200 point/$, 12mo lockout
    - NAB: https://www.nab.com.au/personal/credit-cards/offers/qantas-s…, 280 point/$, 18mo lockout
    - Qantas: https://www.qantasmoney.com/credit-cards/premier-platinum, 143 point/$, 12mo lockout
    - St George/BOM: https://www.stgeorge.com.au/personal/credit-cards/frequent-f…, 373 point/$, 24mo lockout

    - Westpac: https://www.westpac.com.au/personal-banking/credit-cards/rew…, 400 point/$, 24mo lockout

    Total annual fees: $1,743, Points per $: 209.41 , Total possible bonus points yield every 12 months: 365,000

    I will continue to churn, however, seeing as spending $1,743 for 365k points per year which is still very worth it if you target spend those points on Oneworld Classic Reward Multi-Trips:
    - Business Class: 318,000 Qantas Points per person (+ taxes)
    - First Class: 455,000 Qantas Points per person (+ taxes)

    • cuy on 10/01/2025 - 14:21
      +1

      Pretty sure Citi don't have lockout. I've re-applied after 3 months of closing citi and still got points. Nothing in their T&C's either around lockout.

      • ChibsQT on 10/01/2025 - 14:30

        so technically you can churn the Citi and reapply and get the bonus points again ? is that what you were able to do?

        • cuy on 10/01/2025 - 14:33
          +1

          For me the earliest was 3 months (confirmed for myself). I'm not sure if there have been any records/reports of any earlier. Although technically (according to T&C's) you should be able to as long as you don't have any other Citi products.

          • ChibsQT on 10/01/2025 - 14:35

            @cuy: Thanks for the info. Guess I'll have to abuse this while I wait for my other cards to cooldown.

            • cuy on 10/01/2025 - 14:37
              +1

              @ChibsQT: Just make sure to read T&C's and print them out/keep a record of it before applying as things changes.

          • vawiyoci on 10/01/2025 - 14:43

            @cuy: Side note have you ever had luck with getting the annual fee refunded? Came across a few comments from 2022/2023 saying they were successful over web chat/phonecall but nothing recently.

            Also have you tried alternating between both their Qantas and Velocity cards or strictly a qantas collector?

            • cuy on 10/01/2025 - 15:39
              +1

              @vawiyoci:

              Side note have you ever had luck with getting the annual fee refunded? Came across a few comments from 2022/2023 saying they were successful over web chat/phonecall but nothing recently.

              I don't bother because I've been denied every time I ask, so I've stopped asking.

              Also have you tried alternating between both their Qantas and Velocity cards or strictly a qantas collector?

              I don't go with Citi's velocity cards.

              I only started beginning of last year when I ran out of cards to churn for Qantas (I mainly focus Qantas).

              For velocity, I only go with cards that offer velocity promotions (Have been with ANZ / Virgin Money). Virgin Money didn't have any lockout periods either (at the time, but unsure now).

              https://virginmoney.com.au/credit-card/compare-our-credit-ca…

              Link to their past promos https://www.ozbargain.com.au/node/830988 and https://www.ozbargain.com.au/node/874304

              In saying that, I haven't seen Velocity Promo's for a while.

              • vawiyoci on 10/01/2025 - 16:08

                @cuy:

                I only started beginning of last year when I ran out of cards to churn for Qantas (I mainly focus Qantas)

                Haha I'm almost the same. Just closed my citi hence the questions about fee refund and yeah previous attempts were also denied.
                The Virgin flyer ones are run by Citi as well so people were assuming they'd be on similar 3 months soft lockout periods?

      • Fasian on 10/01/2025 - 15:46

        How long ago was this? I recently asked Citi if I am eligible if I reapply, and they said no.

        • cuy on 10/01/2025 - 18:26

          Their chat/phone will say that but doesnt seem to be the case (going from recollection in a previous ozbargain comment made by someone on a citi card).

          This was 6 months ago. I've not closed my existing Prestige card as I've been leveraging the benefits (4th night free). But will close and reapply after my trip in May.

          Just make sure you follow the T&C's. For me I gone from Prestige to Premier and hadn't had any issues.

    • jabroni on 10/01/2025 - 14:25

      great writeup - im copy pasting that bank info into my churn spreadsheet :D

      • Tock on 10/01/2025 - 14:32

        Yep already done - thanks @ChibsQT

    • adrianhughes1998 on 10/01/2025 - 14:55
      +1

      Can 100% vouch for the accuracy of this analysis, I did the exact same thing in 2021/2022/2023.

      My annual fees stacked up to be a few hundreds dollar worth though, through downgrades, pro-rata refunds and straight up waivers.

      The climate is significantly harder now, with increased annual fees, increased spend requirements, that silly additional Qantas rewards program fee, longer exclusion periods and de-bundling of points paid (second additional amount paid only if you stick around for second year).

      Looking myself into gift cards, petrol etc, but as a single parent with only one kid - don't have the massive grocery bills to get the big points amounts.

    • roberdingo on 10/01/2025 - 18:00

      What's it gonna cost (not in QFF points!) to get my hands on this amazing spreadsheet?! 🙏 no jk DM me 😅

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