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AmEx Westpac Altitude Platinum Bundle - up to 90K Bonus Qantas Points, $0 Annual Fee, $0 Qantas Rewards Fee (1st Year)

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AmEx Westpac Altitude Platinum Bundle - up to 90K Bonus Qantas Points, $0 Annual Fee, $0 Qantas Rewards Fee (1st Year)
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SocietyBox on 04/07/2018 - 18:25 westpac.com.au (9592 clicks)

Identical to the Finder deal (when choosing Qantas Points) except for the $0 Qantas Rewards Fee and later offer end date.

  • Receive 75,000 bonus Qantas Points after spending $3,000 on eligible purchases on your new Westpac Altitude Platinum Visa Card within 90 days
  • Receive 15,000 bonus Qantas Points after spending $3,000 on eligible purchases on your new American Express Westpac Altitude Platinum Card within 90 days
  • $0 annual card fee for the first year (normally $150 - Visa / $49 - Amex)
  • $0 Qantas Rewards fee for the first year (normally $50)
  • Bonus Qantas Points will be credited to your points balance within 12 weeks of the eligible spend criteria being met
  • Minimum credit limit $6,000 (Visa), $3,000 (Amex)
  • Existing Westpac customers who currently hold an Altitude Platinum Visa Card or Altitude Black Mastercard, or who have held one in the last 12 months, are not eligible for this offer.

Referral Links

Westpac Choice Account: random (115)

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 Credit Card Frequent Flyer Qantas Frequent Flyer Reward Points

Related Stores

Westpac
Westpac

closed Comments

  • Jaduqimon on 04/07/2018 - 18:31
    +1

    Can I cancel before 1year is up and get it essentially for free with Qantas points? What's the catch?

    • Xizor on 04/07/2018 - 18:38
      +2

      Of course.

    • carlJack on 04/07/2018 - 18:42

      yes you can

    • SocietyBox on 04/07/2018 - 18:44
      +23

      The only catch is having to spend that much, the two credit checks and the burden of cancelling the cards.

      • trev likes bargains on 04/07/2018 - 19:54
        +1

        Why is it two checks? I once got two cards from NAB and it was just one check. MasterCard + AMEX

        • trotsky on 04/07/2018 - 20:05
          +9

          Because nowadays banks issue AMEX companion cards from AMEX themselves, rather than from the bank. You're essentially signing up a bundled offer of two cards across two finance providers.

        • ozbd on 04/07/2018 - 20:06
          +1

          Banks don't offer amex anymore because of issues with passing through transaction costs. They get around it by offering a bank branded amex issued by amex. Hence two credit checks; one by each entity.

        • trev likes bargains on 04/07/2018 - 20:10

          @ozbd: understood

        • R-Man on 04/07/2018 - 20:10

          Those days are sadly behind us Trev :(

      • cnut on 04/07/2018 - 20:24
        +7

        Lucky my credit rating has already hit rock bottom from all the other deals. I’m safe. 😎

      • slimdusty on 04/07/2018 - 22:05
        +3

        And cancelling the card is mostly a straight forward process that takes ~ 3 mins on the phone - I did that at least a dozen of times before - just need to pay off your card beforehand.

        • greennick on 05/07/2018 - 00:10

          Particularly since it's now illegal for banks to try and stop you from canceling a card.

      • Slo20 on 05/07/2018 - 06:39

        That’s a deal breaker for me.

      • Blu on 05/07/2018 - 09:30
        +1

        Why is it bad having credit checks?

        • OldBugger on 08/07/2018 - 01:14

          A lot of Banks automatically Credit Score now - and if it is too high, an application for a home loan, for example, is automatically declined without a human hand touching it.
          And they are not looking at reason, with these cases. Just declined. No correspondence entered into.

          You would have to have a LOT of activity on your file though, for that to happen . Then it is seen as a bad risk - a serial borrower.

    • SocietyBox on 05/07/2018 - 07:21

      I should also mention the hassle of chasing up Westpac should the bonus points (or even the standard points) not arrive.

  • Snug17 on 04/07/2018 - 18:33

    Do you have to hit spend on both cards? Or will I still get the points after a 3k spend for Westpac?

    • AnneFagit on 04/07/2018 - 19:56

      Must hit spend on both cards. $3k each for a total of $6k

      • Sweetie Collection on 04/07/2018 - 20:06
        +1

        I got both cards as a bundle. I thought I can get 75,000 points after spending 3k for Westpac. I do not want to use the Amex card at all as I think it's not worth spending $6,000 in 3 months. Can anyone clarify this?

        • lolmao on 04/07/2018 - 21:20

          The two cards are independent of each other so you should be able to get just the 75k points by spending $3k on Visa I think.

        • muncan on 04/07/2018 - 21:40
          +2

          @lolmao: True according to the previous deal's Store Rep

    • 2jzzzz on 04/07/2018 - 22:50
      +5

      Buy fully refundable business class ticket.

      • KingJuf on 05/07/2018 - 17:18

        I assume you have to wait until the points are credited before requesting a refund?

      • movieman on 06/07/2018 - 16:04

        Hello,

        Have you succeeded in getting them refunded, in full?

        Where did you book from to get total cost refunded (ie, no international CC fees, and all CC fees refunded)?

    • kickling on 05/07/2018 - 12:13

      You can choose to hit one or both spend targets and get rewarded with the relevant points.

      Same as the deal from Finder.com

  • mcnugget on 04/07/2018 - 18:36
    +2

    Any clarity on whether it's possible to avoid the Amex enquiry or at worst avoid receiving the card to break the 18 month rule?

    Read conflicting comments but if the Amex could be somehow be left out/confirmed to not count would be all over it.

    • Kill Joy on 04/07/2018 - 19:10
      +1

      Also curious if AMEX issued cards count towards the 12 month rule.

    • bemybubble on 04/07/2018 - 19:14
      +4

      What’s this 18 month rule you speak of?

    • stevtom27 on 04/07/2018 - 19:24
      +2

      Amex cards issued by amex dont count against the westpac one. I.e. i can have an amex issued card and still be eligible for the deal

      • Gooddeal21 on 05/07/2018 - 10:30

        that is a great news then, we were wondering about that, but worse case we will only get the $75k points.

    • Nuggets on 04/07/2018 - 19:31
      +4

      Yeah my partner signed up for the finder deal. Basically when amex said send us your documents we ignored them. Then they called and we just said actually we don't want the amex card.

      Not sure if they did a credit check (can't imagine they did without my partner's income documents) and we definitely aren't getting the card.

      • mcnugget on 04/07/2018 - 21:36
        +1

        Sounds good, will roll the dice

        • mcnugget on 05/07/2018 - 14:35
          +1

          … and lost. Just got an SMS my American Express was approved and card is on the way.

          Uploaded last two payslips to verify on Westpac site, possibly better going the other method for those in the same boat.

      • JetBombat on 04/07/2018 - 22:43
        +1

        They have to do a credit check before offering a card, that's how you get application approval

      • kickling on 05/07/2018 - 12:15

        So you are definitely getting the VISA card then still?

        • Nuggets on 05/07/2018 - 12:30
          +1

          Yes, we already have it.

          Although can I say, I have had the worst Westpac customer service experience with this application. Their branch staff should be embrarrassed. They don't know their own product and they can't be arsed to provide a decent customer experience.

        • nadan on 05/07/2018 - 13:37

          @Nuggets:

          I think that is the case with most banks to be honest, I have had similar experiences almost with all the banks. I insisted that Westpac employee find the deal on their system if it is online and she rang someone who showed her where it was.

          Commbank gave me broucher for their basic credit card with $250 cashback that had expired months earlier.

          ANZ told me that my credit card was cancelled and I shredded the card, only to find out five months later that the card is still active.

        • Nuggets on 05/07/2018 - 15:54
          +1

          @nadan: that last one is a doozy.

        • nadan on 05/07/2018 - 17:06

          @Nuggets:

          Yes, that means extra five months of wait time to apply or another one of their card.

        • Ryk on 15/07/2018 - 11:41
          +1

          @Nuggets: branch staff

          ? Is it necessary to visit a branch like its 1978?

        • Nuggets on 15/07/2018 - 18:06

          @gikku: yeah strangely enough.

    • points4life on 05/07/2018 - 17:15

      This particular Amex bundled card is excluded from the 18 month rule so you will still get the bonus points even if you already hold a card issued by American Express.

      • mcnugget on 05/07/2018 - 18:44
        +1

        Would love any hard evidence of this.

        Just called to cancel the approved amex and said they may need to manually add points following my call when going for the Explorer bonus in 6 months.

        Not guaranteed was the take out, at the very least will require follow up (and potentially begging) to their call centre.

  • unity1 on 04/07/2018 - 18:40

    Qualifying income?

    • josh985 on 04/07/2018 - 18:51
      +1

      $30,000

      • unity1 on 04/07/2018 - 19:11

        Thank you

    • lukamotiv on 05/07/2018 - 17:27
      -2

      $80 000 vehicle with high yield

  • congo on 04/07/2018 - 18:59
    +1

    Is this the most Qantas points you can get at the moment?
    Or is there a card that gives 100,000+ points?

  • Unacceptable on 04/07/2018 - 19:17
    +1

    From the previous deal I applied for both, westpac was grandted and amex was rejected (had Amex Explore card). Someone may increase credit limit for amex and gets rejected intentionally if the spending is too much for two cards.

    • Slo20 on 05/07/2018 - 05:34

      Yeah but they’ll still do a credit check before declining you on the Amex.

  • Viper8 on 04/07/2018 - 19:25
    +1

    F@#k!
    Signed up for this a couple hours earlier:
    https://www.westpac.com.au/personal-banking/credit-cards/rew…
    15k less points and $50 Qantas points fee. Still netting $550 profit (valuing 100 points at $1) but could have $750…

    • JetBombat on 04/07/2018 - 19:30

      Call them up and see if they can change it over or give extra bobs.

      • Viper8 on 04/07/2018 - 19:31
        +1

        Just did. Can't change during application. Can cancel and reapply but that would be a 2nd application on credit history, not worth it IMO. Can also change after but then not eligible for points as can't have had an account within 12 months.

        • hnl on 04/07/2018 - 20:44

          did you apply through finder?

        • Viper8 on 05/07/2018 - 08:10

          @hnl:

          Nope the Westpac website.

    • tunzafun001 on 04/07/2018 - 21:21

      Same. But I went for the platinum offer as it doesnt mention anything about a $50 Qantas charge on the Platinum offer. Turns out it has the same $50 charge as the Black.

      Got the please send your income details email. Called them to see if I can change. They said I have to cancel the current app, then reapply for the Amex/Black deal. Meaning 3 credit checks.

      No credit check showing, but westpac recon they use a different credit reporting authority than what credit savvy use.

      Current rating 770. About to apply for a homeloan, no idea what 3 checks would do? Got prior investment properties, so hoping credit check won't mean jack.

      Plus side of cancelling app and reapplying= save $50 get extra 30k points and access to Amex lounge. 1 credit check. Small credit limit.

      Negative, 2 extra credit checks. 15k min credit limit.

      Anyone know how long I can leave an application hanging for (when at the please send income docs stage)?

      I recon it's 90 days. Might sort loan, then
      Cancel. Reapply for Black.

      • trotsky on 04/07/2018 - 22:12
        +1

        Call them and tell them you are going overseas for travel/work/whatever and want to finish the app when you get back, and ask how long you have

      • Viper8 on 05/07/2018 - 09:48

        "But I went for the platinum offer as it doesnt mention anything about a $50 Qantas charge on the Platinum offer."
        Yes it does:
        "Choose the rewards program to suit you.
        Opt in for either Altitude Points or Qantas Points, and earn points for every $1 spent on eligible purchases.
        A $50 Qantas Rewards fee applies for customers who choose to earn Qantas Points through the Altitude Qantas rewards program."

    • gerardw86 on 04/07/2018 - 21:27

      They told me i was only eligable for 60k points but checked further and found i went through finder link….extra 15k points immediately.
      Unfortunately the $50 QANTAS fee still applies.
      Good luck.

    • AmitN on 05/07/2018 - 08:57

      Hi @Viper8

      How would 60k qantas points make $550. Can you please explain. When you go to qantas store and buy a gift card it's approx 54850 points for $250.

      Thanks

      • Viper8 on 05/07/2018 - 09:53

        Lol if you're using your points at the Qantas store you're doing it wrong. Very wrong.
        You get significantly better returns using them on flights, especially business-class flights.
        Valuing them at $550 is extremely conservative. I booked $8,000 worth of business flights for 144,000 points recently. That values the 60,000 points on the CC I applied for at over $3,000 (by the time you exclude taxes from ticket price). $550 is assuming you'd normally booked the absolute cheapest nasty Jetstar red-eye flight on sale that month. Realistically on cheapish Qantas flights (what I would actually pay for with my own money) 60,000 is probably worth ~$1,000.

        • AmitN on 05/07/2018 - 13:15

          Yeah I mostly get gift cards. But thanks for the info.

        • liquid metal on 14/07/2018 - 18:40

          $8000 worth without any extra payment?

        • Viper8 on 14/07/2018 - 20:00

          @liquid metal:

          ~$8,200 with <$300 in taxes. So paid <$300 and 144,000 points for ~$8,200 in flights.

  • markmac1 on 04/07/2018 - 19:31
    +1

    Any access to Amex Lounge at airport

    • muncan on 04/07/2018 - 19:36
      +1

      Once you go Black

      • nadan on 04/07/2018 - 23:47
        +5

        You don't go back.

        • muncan on 04/07/2018 - 23:47
          +8

          After 12 months you most certainly do.

        • nadan on 05/07/2018 - 13:38

          @muncan:

          You would have had a lot of fun in that 12 months though.

        • muncan on 05/07/2018 - 14:12

          @nadan: 🥂

    • IMadeYouReadThis on 04/07/2018 - 19:47
      -6

      Any access to Amex Lounge at airport

      Yes

    • jamartar on 04/07/2018 - 19:57
      +2

      No. This is the platinum card. They do on the black… but that doesn't have a $0 annual fee.

  • Magicmagic on 04/07/2018 - 19:34
    +5

    Has anyone else got rejected from Westpac in the past even though they have a good credit rating, can easily get approved from ANZ/NAB's similar card and meet all the cards requirements?

    • blackfrancis75 on 04/07/2018 - 20:27

      I feel like that has happened to me too. Anyone else shed some light?

      • muncan on 04/07/2018 - 20:34
        +8

        It happens to the best of us.
        I've been declined for low value cards (Jetstar/Woolies) and then been accepted for Black cards the next week.
        You get back up on that horse, and you apply elsewhere! 🐴🏆

  • datzed on 04/07/2018 - 19:35
    +1

    Is there any issues with applying for this while you have the AMEX card? Any negative aspects to your credit rating etc?

  • [Deactivated] on 04/07/2018 - 19:35

    Be careful, Wesptac are notorious for not giving you the points quickly

    • Ulysses31 on 04/07/2018 - 23:17

      Source/Link?

      • greennick on 05/07/2018 - 00:13

        It says up to 12 weeks in the description above

  • unity1 on 04/07/2018 - 19:40

    Can't remember when I closed my last Westpac card. Will any of the credit reports show the date it was closed?

    • muncan on 04/07/2018 - 19:59
      +1

      No. If you don't have a copy of the letter they sent you upon closing, give them a call and ask nicely.
      Always keep a record of the close date for your credit cards. I have a very long list of cards & closed dates in iOS Notes.

      • unity1 on 04/07/2018 - 20:16

        Credit Savvy shows me the date I closed my NAB card back in 07/17, but doesn't show any other transactions. Was hoping other reports had more details. Will hunt for the letter now.

        • T-man on 04/07/2018 - 20:55

          Where can you check the closed cards in Credit Savvy? I couldn’t find in my account

        • unity1 on 04/07/2018 - 21:53

          @T-man: Credit report summary -> Credit Accounts and Relationships

        • T-man on 04/07/2018 - 22:35

          @unity1:

          There is nothing in my account although I’ve closed a few cards.

        • unity1 on 04/07/2018 - 23:42

          @T-man: I've closed a few in the last 12 months, but only one is reported.

    • AnneFagit on 04/07/2018 - 20:01
      +1

      Probably not. The old reporting system did not keep record of account closures, only applications. The new reporting system which is slowing being adopted is more thorough.

  • Xizor on 04/07/2018 - 19:50
    +1

    Keen on this but im 6 months into the 18 month american express waiting period. Is that relevant here?

    3k spent for 15k points on the amex prob not worth the hassle anyway.

    • muncan on 04/07/2018 - 20:05
      +4

      The same discussion on the previous deal was inconclusive.
      The real question is do you want to reset your 18 month AmEx waiting period for 15K points?
      I would argue you're closer to the start than the finish, so go for it. Also for the record, I'm not you.

  • Bren20 on 04/07/2018 - 20:03
    +1

    Any good deals for velocity points?

  • [Deactivated] on 04/07/2018 - 20:06

    Has anyone been successful in applying for these credit cards without an income? What sort of proof is required?

    • trev likes bargains on 04/07/2018 - 20:11
      +2

      Nice first comment. Don't do it.

      Welcome to Ozbargain btw

      • [Deactivated] on 04/07/2018 - 20:13

        i have plenty of savings so no risk of not paying…but in all seriousness is there a way

        • muncan on 04/07/2018 - 20:18

          I don’t think they care about your savings, instead your regular income.

        • Bren20 on 04/07/2018 - 20:19

          Banks may budge a bit on min income, but not a lot. the risk to the banks is huge, you could blow your savings and have no means to repay the card.

        • chickens on 04/07/2018 - 20:19

          @muncan:

          I have a regular income over $30,000pa but i've been denied past applications where I've met the criteria, should I try my luck with this one? (the last time I applied was about a month ago, i think it's too soon but i'd like to have a credit card so I can start somewhere)

        • trotsky on 04/07/2018 - 20:22

          They will ask you for payslips, bank statements showing income or tax return at a minimum. If you could somehow put some of those savings into an annuity and show regular income that way, maybe? But I doubt it.

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