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Westpac Altitude Black AmEx/Mastercard 100,000 Qantas Points/Altitude Points, 4 Lounge Passes (2 AmEx/2 PP) [$395 Fee]

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Westpac Altitude Black AmEx/Mastercard 100,000 Qantas Points/Altitude Points, 4 Lounge Passes (2 AmEx/2 PP) [$395 Fee]
Go to Deal
Lpoints4life on 18/10/2016 - 13:19 info.westpac.com.au (1395 clicks)
Last edited 16/01/2017 - 09:21 by 2 other users

Saw this deal on http://www.pointhacks.com.au/credit-cards/westpac-altitude-b…
If you aren't a customer, or haven't held this card in the past 12 months you should be good to go.
Min spend required: $5000
The bonus points promotion is available to the first 5,000 customers who apply and are approved for a new Westpac Altitude Black card between 17 October 2016 and 5 January 2017

Some benefits and earn rates:

Altitude:
1 KrisFlyer on Amex, 0.5 on MasterCard (Rewards)
1 QF points on Amex, 0.5 on MasterCard (Qantas)

Altitude Black:
1.5 KrisFlyer on Amex, 0.625 on MasterCard (Rewards)
1.5 QF points on Amex, 0.625 on MasterCard (Qantas)

Lounge Access
2 passes to Amex Sydney lounge
2 Qantas club or priority pass lounge passes

Up to 45 days interest free on purchases when you pay the closing balance (including balance transfer amount) by the statement due date

20.74% p.a. variable rate on cash advances

Annual fee currently $395 applies

Minimum credit limit $15,000

Minimum income to apply $75,000 p.a.

Note: long time lurker, first time poster, please let me know if anything needs editing? :D

Referral Links

Westpac Choice Account: random (130)

Referrer & Referee get $50 after referee makes 5 card purchases & deposits $500+. Maximum of 5 referrals allowed per customer: bonus is not paid to either parties if the referral code has been used more than 5 times.

Financial Altitude Credit Card Qantas

Related Stores

Westpac
Westpac

closed Comments

  • ywpn on 18/10/2016 - 13:21
    +9

    Thanks, mate!
    +ve for the effort, but the $395 fee is too high for me :<

    • points4life on 18/10/2016 - 13:22
      +3

      yeah also $5000 min spend :S - just noticed

      • ywpn on 18/10/2016 - 13:27
        +3

        Yeah, this card is for ballers lol.

        • nightelves on 18/10/2016 - 13:52

          Is not that much if you have a couple of friends who is willing to let you pay their bills.

        • ywpn on 18/10/2016 - 14:05
          +2

          @nightelves:
          Yeah I've done that already with other cards.

          I don't have many friends lol.

        • nightelves on 18/10/2016 - 14:22

          @meetspin:

          Work colleagues? Prepaid bills and utilities?

        • ywpn on 18/10/2016 - 14:36
          +2

          @nightelves:
          Nah I'm like Nigel Nofriends lol.

          Nah the $5000 spend is fine, but the annual fee is a bit much.

        • inamberclad on 18/10/2016 - 15:02
          +7

          @nightelves: friends who are willing to "let you pay their bills" - no shortage of those. just need friends who PAY YOU BACK :) don't suppose you have a spell to cast for that?…

        • nightelves on 18/10/2016 - 15:10

          @justin_tsoi:

          Yeah true that can be a real pain.

      • carwashhair on 18/10/2016 - 13:27
        +1

        Min spend in 90 days also

  • jayz on 18/10/2016 - 13:34

    I've had this card for a while and didn't realize there were lounge passes. How do we get/redeem them?

    • ywpn on 18/10/2016 - 13:39

      http://www.prioritypass.com/axwestpacblack

      I hope they're more enticing than the ANZ Rewards Black lounges - they're very average, but free is free :)

      • yht on 18/10/2016 - 20:51

        Priority Pass sucks from my experience. ANZ rewards seems better option. I guess it depends on which country and lounge. Priority Pass gives you only 2 free pass per year whilst ANZ's one unlimited.

    • yoyosamo on 18/10/2016 - 13:41
      +1

      More info from Westpac here: https://www.westpac.com.au/personal-banking/credit-cards/man…

      You sign up with PriorityPass and scan the card (wait for a physical one in the post, or straight away with their app) when you enter the lounge - 2 visits free for the Altitude Black cardholder.

    • points4life on 18/10/2016 - 13:44

      If you have the Qantas card you need to first spend on QF before they send them out

      • skinny on 19/11/2016 - 09:19

        thanks and a very important point to note.

    • Pacolito on 18/10/2016 - 13:50

      Out of curiosity, do you pay the annual fee or are they happy to waive it for you?

      • jayz on 18/10/2016 - 14:01
        +1

        They originally offered the card to me for free (I bank with them).
        Then when the when the next annual fee was due, I called looking to close it as I prefer AMEX issued AMEX cards, and they offered to waive it.
        Will keep it til they don't decide to waive the fee.

        PS Thanks for the replies in regards to the PP.

  • jackofspade on 18/10/2016 - 13:37
    +2

    The bonus points promotion is available to the first 5,000 customers who apply and are approved for a new Westpac Altitude Black card between 17 October 2016 and 5 January 2017

    • points4life on 18/10/2016 - 13:45

      Thanks will update :)

  • arctan on 18/10/2016 - 14:13

    Do you get SPG Gold status with this card?
    Also how does it convert to Asia Mile points? This is what I am interested in as Cathay is part of oneworld alliance and you can use AM points to book Qantas and a few other flights with significant discount.

    • zzyss on 19/10/2016 - 08:24

      Yes, but only after one stay to "activate" it.

      Can't remember the redemption rates (on mobile so hard to look up) but they recently devalued, so I think it's 1.75:1 or something now (don't quote me)

  • niiko on 18/10/2016 - 14:18
    +9

    Comparison with ANZ Frequent Flyer Black:

    100K miles vs 75K
    Min spend $5000 vs $2500
    annual fee $395 vs $0

    Not to mention the AMEX Explorer card with 75K KrisFlyer miles which are rated higher than Qantas miles.

    So, good try dear Westpac, but no, unless you wave annual fee )

    • arctan on 18/10/2016 - 15:23
      +1

      How did you get 0 annual fee on ANZ FF Black?

      • niiko on 18/10/2016 - 15:52

        It used to be free for everyone several months ago, now as far as I aware it is free for existing customers only. Well, it is not completely free, just the first year waved, but it is more than enough.

      • spikiii on 18/10/2016 - 20:11
        +1

        Breakfree package covers it too if you already have that

    • jaygee on 20/10/2016 - 22:09
      +1

      25k points is quite a bit - but you're right, not worth a $400 premium.

  • yht on 18/10/2016 - 14:31

    I thought normally the give free first annual fee for their customer.

  • sarakoth on 18/10/2016 - 14:42

    Don't forget you don't have to use it on FF points… they have altitude rewards which the 100K in free points would be about $500 in gift cards. Points also don't expire. If you can manage to get the card free for a year, then that is a free $500! Just cancel the card before the annual fee becomes due for the 2nd year.

  • georgedn on 18/10/2016 - 15:15

    For existing Westpac customers, you can get 50,000 points and no annual fee for the first year https://www.westpac.com.au/personal-banking/credit-cards/rew…

    • darthsparrow on 18/10/2016 - 15:33

      Guess you can just open a savings account with them to qualify?

      Now once that's sorted out, we still have 75k points vs 50k points when compared to ANZ.

      • georgedn on 18/10/2016 - 15:50

        presume so, you just need to apply after logging into their online banking.

    • furythree on 19/10/2016 - 16:25

      i havent even gotten the points yet from the last deal

  • bozbargain on 18/10/2016 - 15:24

    Just went into a branch, they had no clue about this promotion. I told them it started yesterday - 'must be an online only thing' they said. They can do 50K points with no annual fee the first year, 100K points would come with the $395 fee. Previous years Westpac did honour online offers in branch and waived the first year fee if I remember correctly.

    • Craze on 19/10/2016 - 09:11

      I was about to ask if anyone have had luck getting the annual fee waived applying in branch. I might give it a couple of weeks for awareness and try my luck then.

      • TRS-80 on 21/10/2016 - 01:50

        This a special offer only available through the link on Point Hacks (see the comments there), you're not going to be able to apply in branch.

  • atlas on 18/10/2016 - 19:01

    Interesting. Will keep an eye on this. The Amex earn rate is pretty good.

  • zzyss on 19/10/2016 - 08:20

    They recently devalued the FF conversion rate, so it's not as good value as before if you're in it for redeeming flights…

    Also pretty sure you only get 1 Priority Pass with 2 visits with this card, not 2 cards and 4 visits as the OP states (source: I have this card)

    You can get the annual fee waived if you package a loan with them.

    • mjjeje on 24/10/2016 - 19:04
      +1

      The extra 2 passes is for Sydney Amex Lounge which you just need to scan your amex card. I think …

      • zzyss on 25/10/2016 - 10:06

        Ah yes, there's that.

  • fantacular on 19/10/2016 - 08:39

    need some good velocity rewards cards man…>>!!

  • freelife on 21/10/2016 - 18:10

    Based on Qantas $100 Myers card @ 15K points, 100K points equates to $660.
    If based on Qantas "1 million points" comp @ 2.28c each, then 100K is worth $2,280 - but this wouldn't be a good measure as it's not tangible.

    So @$395 annual fee pegged against the gift cards, you're getting $265 free value.

    Edit: Based on Qantas' Top-up points system, points are worth 2.8c. So to buy 100K on their platform it would cost $2,800. There you have it. $395 vs $2,800 if you want to "buy" 100K directly.
    P.s. On that platform $400 buys you top-up of 12,500 points only.
    https://www.qantas.com/fflyer/dyn/program/usingPoints/topupP…

    • cornucopia on 24/10/2016 - 11:55
      +1

      100K points on the QFF black market is worth about $1000 .. typically less in QFF booking value especially with today's depressed air travel market. Then when the ticket prices go up (schoool hols, high season etc) you can't find a QFF seat!! QFF Catch 22???

  • ashaman on 10/11/2016 - 10:58

    The monthly points cap is way too low for me to consider this card: "For each statement cycle a points cap of 5,000 Altitude Points or 2,500 Qantas Points applies when using either or both cards."

    You could only spend $1667/month on the Amex before the cap would cut in…

  • bdhtran23 on 19/11/2016 - 14:35

    Any promotion for existing Westpac Altitude Black card holder?

    • stevoplaystation on 20/11/2016 - 20:54

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

      none if you apple for the 50k point promotion

      however terms don't state you cant apply for another one for the 100k special. however you need to spend 5k and $395 annual fee.

    • lovetravellinginbiz on 25/11/2016 - 21:03

      I've had this card for 3 years running now.

      First applied in January 2014. Cancelled in December 2014, reapplied in January 2015 and got the bonus points. Did the same again in December 2015 and January 2016 and again got the bonus points. Only problem was i had to pay the annual fee, but reduced to $295. With the Priority Pass access (USD$27 x 2 and 100000 signup bonus points i felt it was worthwhile).

      Maybe something you could consider.

      • zzyss on 27/11/2016 - 20:42

        This should be fine so long as you have a good credit rating, but each time you apply for the card it'll reduce your credit score a tiny fraction. It's probably not much in the grand scheme of things, but still something to be mindful of (especially if you're borderline, or trying to apply for a loan, etc.)

      • jaygee on 06/12/2016 - 13:39

        And how did it affect the credit score at all?

        • lovetravellinginbiz on 06/12/2016 - 18:27

          Have never been rejected for a card, loan or LOC. So not sure if it's effect.

  • jaygee on 06/12/2016 - 13:39
    +1

    This deal has been extended to Jan 5

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