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Westpac Altitude Black Mastercard/AmEx (80k & 40k QFF Points) - $0 Annual Fee First Year

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Westpac Altitude Black Mastercard/AmEx (80k & 40k QFF Points) - $0 Annual Fee First Year
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LDevlicK on 06/09/2018 - 09:01 westpac.com.au (11635 clicks)
Last edited 06/09/2018 - 23:53 by 1 other user
QBX12

Same deal as the one that expired on 5 Sept.. It seems Westpac has extended it until 27 Nov 2018.

Mastercard

80,000 bonus Qantas Points*
When you apply, are approved, and spend $3,000 on eligible purchases on your new Westpac Altitude Black card within 90 days of card approval. $0 Annual Card fee
in the first year ($250 p.a. thereafter, plus a $50 Qantas Rewards fee p.a. thereafter)+.

AmEx

40,000 bonus Qantas Points~
When you apply, and spend $3,000 on eligible purchases on your new American Express® Westpac Altitude Black Card within 90 days of Card approval. $0 Annual Card fee in the first year ($199 p.a. thereafter)#.

Minimum Income $75,000
American Express® Westpac Altitude Black Card
2 Qantas Points for every $1 spent on eligible purchases in foreign currency,
1.25 Qantas Points for every $1 spent on eligible purchases in Australia,
0.5 Qantas Point for every $1 spent at government bodies in Australia such as Australia Post & the Australian Taxation Office.
Westpac Altitude Black Mastercard
0.75 Qantas Points for every $1 spent on eligible purchases.
Enjoy two complimentary passes each year to the American Express Airport Lounge at either Sydney or Melbourne International Airports.
Two complimentary Qantas lounge passes

Annual fee waived only if you apply for the bundle.

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 Reward Points

Related Stores

Westpac
Westpac

closed Comments

  • ty99234 on 06/09/2018 - 09:13

    So the annual fee will be only waived if you apply for both Mastercard and Amex,

    Am I interpreting it correctly?

    • trotsky on 06/09/2018 - 09:16

      Yes

    • railspider on 06/09/2018 - 09:40
      +2

      The application process forces you to apply for both. I just chucked the Amex in the bin and used the MC to meet the 3k minimum spend.

      • peanutbutters92 on 06/09/2018 - 09:57

        How did you go about just applying for the MC?

        • railspider on 06/09/2018 - 09:58
          +2

          I didn't. After filling out the application they send you both cards. I just refused to use the Amex as I was happy with just the 80k points.

        • peanutbutters92 on 06/09/2018 - 09:59

          @railspider: Oh, Right! Thanks

        • ely on 06/09/2018 - 10:20
          +6

          @railspider: I don't really understand; why are you refusing 40k points for free?

        • railspider on 06/09/2018 - 10:21

          @ely: I'd have to spend an additional $3k on Amex (It's $3k spend per card for 80k+40k points)

          There are other cards with better point earn for that sort of spend, and I already have an Amex, so I binned the card.

        • ely on 06/09/2018 - 10:24
          +12

          @railspider: Yes, I know it's separate spend, but your earn rate is 40k for $3k, so it's 13.33 per $ - no cards earn anything like that for ongoing spend, so you might as well spend it on the amex and then bin it once you've hit that spend.

          Woolies gift cards are at a 5% discount and permit using Amex with no surcharge.

        • jjjaar on 06/09/2018 - 10:39

          @ely: does buying $3k worth of gift cards count toward the reward points?

        • jlogic on 06/09/2018 - 11:03
          +3

          @jjjaar: No one knows you bought gift cards.

          • SaberX on 16/10/2018 - 15:29

            @jlogic: Has anyone tried and it counted? As these cards usually mention a no cssh equivalentd counted??

        • bowtiehoon on 06/09/2018 - 11:25
          +2

          @jlogic: and after three months the Amex card earns more points..

        • Slo20 on 06/09/2018 - 12:52
          +1

          @railspider: don’t forget you get 2 separate credit enquiries also.

        • ely on 06/09/2018 - 13:47
          +1

          @ely: Added to that 13.33 points per $, you'd also earn the normal rate of 1.25 per $, so for your $3000 spend you'd get 43,750 points. If you registered for the Qantas 10k bonus (https://www.ozbargain.com.au/node/395374, now expired for registration, but up until the 20th for your first purchase) then you might also be eligible for an extra 10k as well - it's unclear to me whether the 10k is per person, or per card, and this is two cards so it's possible that you would get 10k for the Mastercard and 10k for the Amex.

      • phaol7ta on 07/09/2018 - 01:33
        +1

        biggest mistake mate, considering all the amex offer and rewards better to keep it at least for the first year.

      • donotuse on 07/09/2018 - 06:35

        Why would you throw away the amex card, they have hreat benefits, offers etc and I always use my amex whenever possible.

    • KyrgyzK1ng on 08/09/2018 - 12:40

      I actually went in-store and applied for the Mastercard alone, and was guaranteed the 80,000 points without having to apply for the AMEX card
      They even linked my QANTAS membership and I managed to avoid paying the $50 fee

    • DevlicK on 13/09/2018 - 08:50

      I'll also add that it is not necessary for you to be approved for both cards. You only need to make the application together as a bundle to be eligible. If you are approved with one bank but the other denies you, the waived annual fee and points are still applicable.

      Checked with Westpac consultant

  • Plentiful3271 on 06/09/2018 - 09:14
    +1

    Seriously thinking of jumping on this.. now that CBA is killing its AMEX

    • pantsparty on 06/09/2018 - 09:28
      +1

      CBA hasn't had a good sign on bonus for years - you should have jumped ship a long time ago!

      • idonotknowwhy on 06/09/2018 - 09:39

        Sign on bonus is irrelevant for an existing customer lol.
        But I agree, (profanity) CBA, should have jumped ship ages ago.

        • iversonjack on 06/09/2018 - 10:06
          +1

          They have the worst earn rates too, seriously thinking of jumping ship if not for the home loan currently with them..

        • ely on 06/09/2018 - 10:18
          +1

          @iversonjack: Jump ship anyway? You can have other CCs even if you have your home loan with CBA (however CBA's home loan rates are also crap, so you should probably jump ship with both the loan and the CC).

    • danielh on 06/09/2018 - 10:12

      I only maintained my CBA Amex as it was the last one of the big four banks to keep it (and the fee free overseas transactions). Going to drop it next month when the Amex card is stopped though.

      Right now happy to use it while in the Cook Islands though.

  • Iwantthatbargain on 06/09/2018 - 09:20

    Good find mate.. In the morning I was looking at this card at https://www.westpac.com.au/personal-banking/credit-cards/ame…

    There they haven't waived the $250 fee.

    The only additional benefit in this is Priority Pass Membership to airport lounges, and receive two complimentary lounge visits per year to use at over 1000 VIP airport lounges worldwide. (But that is not worth $250 fee)

  • Fever4shakin on 06/09/2018 - 09:22

    Are the card accounts linked? Do I have to spend $3000 between the two? or is it $3000 on each making it a $6000 spend in 90 days?

  • donkcat on 06/09/2018 - 09:23
    +1

    Tempted but pretty put off about the 2 credit checks on your record.

    • chuckwow on 06/09/2018 - 09:48
      +1

      Likewise, can anyone else confirm that this is the case?

      • badmitz on 06/09/2018 - 09:59
        +7

        I applied and have both cards.. confirmed its 2 credit checks on my file. They're separate cards.

        • Spizz on 06/09/2018 - 15:53
          +3

          It is 2 credit Checks. Dropped down 102 points :(

        • Den on 07/09/2018 - 11:22
          +1

          @Spizz: where do you guyz check it?

    • Stolniik on 07/09/2018 - 20:48

      Are you able to elaborate? How would the additional credit check affect me? Thanks!

      • Gooddeal21 on 07/09/2018 - 21:45

        It only affects you if you are planning to get a home loan soon. Also too many credit cards applications might get a rating going down and you might get rejected later on.

        • Stolniik on 10/09/2018 - 20:26

          Ah thanks, I’ll have to keep that one in mind :)

    • Easton on 21/09/2018 - 20:24
      +1

      I got approved for both but only had one credit check (with Westpac). Although I do have an existing Amex card, so maybe that makes a difference.

  • maddoglee on 06/09/2018 - 09:23

    I got it just in time to make the last deal! now I just have to find stuff to make the minimum spend!

    • ely on 06/09/2018 - 10:19
      +2

      Likewise - would have preferred to hold off, because I also just got Virgin's 120k bonus one and now have a pretty busy three months of spending to meet 15k of minimum spend. Luckily/unluckily I'm sure my wife will have no problem hitting those targets.

      • Gooddeal21 on 06/09/2018 - 10:40

        E gift card on cash rewards for woolies? Might be an option? Yep usually we make sure we don't overlap our min spending requirements.

        • ely on 06/09/2018 - 11:09

          Yeah, egift cards, prepay utilities, buy shares, then use a 0% balance transfer from the Virgin card to pay them off ;) Won't be a problem, just needs to be managed right.

        • jimmynewts on 07/09/2018 - 08:49
          +1

          @ely: how do you buy shares using a cc?

        • ely on 07/09/2018 - 09:16

          @jimmynewts: IG permits it (surcharges apply, reasonably low for Mastercard though) - see https://www.ig.com/au/fund-your-account

        • ely on 07/09/2018 - 09:52

          @ely: On that topic though, they normally only refund money from a card back on to the same card, but I've discussed it with support and they said that if you can prove ownership of the card and of the account the money is going to (e.g. via statements) then they'll refund it to another account. I haven't actually tried this, but I have (over time) funded ~$10k of shares via CC.

          • SaberX on 13/10/2018 - 04:32

            @ely: how interesting! And you haven't had any issues buying shares with CC and it being 'eligible' money for the purposes of bonus rewards?

            So could one simply buy $6k of shares ($3k on each card) to meet the points for here?

            However, when you go to sell your saying the official rule is to refund it back onto the CC you bought with?? Which you haven't proven yet if you can actually have the sold shares settled into another bank account (incase you wish to close your credit card or not spend anymore on it to offset the refunded amounts)?

          • SaberX on 13/10/2018 - 04:34

            @ely: how's the brokerage/use of IB anyway? Are your shares held in trust? Or directly in your name?

            • ely on 15/10/2018 - 20:27

              @SaberX: I've bought IG shares with ANZ and was rewarded points for them; wasn't required for bonus spend, but generally if you earn points then it's eligible (some caveats around government spend depending on card provider). I can't guarantee that Westpac and Amex would be the same (I suspect that they'll have different criteria for each card, but I don't think IG would stand out as an exception to them).

              Correct, the official rule is that they refund to the same card. I chatted with the support for a while and they said that if you could prove ownership of both the card topped up with and the destination bank account (e.g. via statements with your details matching your details with them) then they'd be able to authorise that.

              Brokerage is extremely cheap, either the cheapest available or near it ($8 minimum fee, lower % rate vs other providers for larger orders).

              I believe they're held in trust, which is common internationally (as I understand it) and probably allows costs to be lowered (no actual exchange necessarily needs to be made if they have clients on both sides of a trade, allowing them to retain all fees with no expenses). I'm OK with it.

  • PAOK11 on 06/09/2018 - 09:27
    +1

    There's a platinum card for the plebs that don't earn the average salary (cough***cough)

    • idonotknowwhy on 06/09/2018 - 09:41
      +5

      LOL. So this is how plebs are getting into business class!

    • supbah on 18/09/2018 - 21:42

      Where is the minimum salary requirements on the Westpac website? I can't seem to find it

      Also does the platinum offer of 60k points actually waive the $50 Qantas frequent flyer fee like the black card?

      • Gooddeal21 on 19/09/2018 - 08:13

        I think the black one is 75k income minimum
        re the platinum offer I did the 75+15 and the $50 were waived too

  • chb on 06/09/2018 - 09:35

    still waiting for my bonus ppoints…….

    • iversonjack on 06/09/2018 - 10:07

      same boat. fingers crossed its coming on the third statement.

    • swampson on 06/09/2018 - 10:20

      for the MC or AMEX? Once i spent the $3k on AMEX, the 40k bonus was mentioned and creditted to my QFF account surprisingly quickly. I've just spent the 3k on MC, but will not find out til next statement if they are as quick to honour the 80k QFF straight away. Hope they come thru for you!

      • coxymla on 06/09/2018 - 10:57

        On my Westpac MC, I got the bonus points on the statement that I made the spend and they were also credited to my account straight away. Still waiting on me AMEX points.

    • mrshorty on 06/09/2018 - 10:35

      same - no bonus points for either too after so hopefully comes through in the 3rd statement

    • DevlicK on 06/09/2018 - 16:49

      I think it takes about 12 weeks before you'll receive the bonus points for the MC card

  • dpp04 on 06/09/2018 - 09:46

    When do the points come through?

    • DevlicK on 06/09/2018 - 16:50

      For the MC card

      The bonus Qantas Points will be added to your points balance within 12 weeks once you meet the eligible spend criteria.

      For the AMEX card

      Bonus Points will be awarded to the eligible Card Member’s account 8-10 weeks after the spend criteria have been met.

    • Gooddeal21 on 06/09/2018 - 20:22

      for the amex I got the bonus just after spending the amount and Amex said they will appear on my qantas 6-7 days before the next statement.

  • Unacceptable on 06/09/2018 - 09:52
    +4

    I already got this card (not black) from the previous deal, received QFF 75k and closed the account yesterday.
    Personally I think westpac creditcard was one of the worst in terms of convenience, ie) no applypay and terrible app, collecting the card in person at branch, etc. I will not open an account with westpac again.

    • ellave on 06/09/2018 - 09:59
      +2

      I received my cards last week, I too had to collect it from a branch however my mrs got hers in the post. No problems with the app though

    • RoseJJ on 06/09/2018 - 10:09

      I applied last week and got the card in the mail 2 days after approved. Very fast

  • SBOB on 06/09/2018 - 10:08

    Closed my ANZ black recently, might be time for my next application..

  • onepiecetcgnami on 06/09/2018 - 10:10
    +1

    I recently got my westpac platinum altitude card, can I still apply for this card and get the deal?

    Thank you

    • zoob on 06/09/2018 - 18:54

      There's an exclusion period of 12 months I believe.

  • singlemalt72 on 06/09/2018 - 10:10
    +5

    Might jump on this - $7000 worth of braces for the daughter coming up in October, might get the wife to do it too and split the cost over the 2 cards … $160K points!

    • BargainCowboy on 06/09/2018 - 12:40
      +2

      might get the wife to do it too

      Braces?

      • Meconium on 06/09/2018 - 13:39
        +3

        Dental plan!

      • singlemalt72 on 06/09/2018 - 13:43

        Jeezus - one set is enough!
        Even with private health I'll hit tle lifetime limit on this one!

  • magicpies on 06/09/2018 - 10:16

    I received the 40k points after min spend but still waiting for the 80k from the Mastercard. I've been told this only gets credited after 90 days? Also I've just realised you have to Opt-in and then spend money with Qantas to receive the lounge passes, does anyone know if there's a minimum spend?

  • dontpanic on 06/09/2018 - 10:23

    As soon as my points come through for ANZ Black, I'll jump on this for all the xmas spending and insurance bills.

    • nadan on 06/09/2018 - 10:26

      You don't notice much height difference though :)

  • Jared17 on 06/09/2018 - 10:27

    When they said no annual fee first year. Does that mean calender year? So from 1 Jan 2019 they will charge a fee.

    Or one year from date of approval?

    • Gooddeal21 on 06/09/2018 - 10:42

      12 month from approval

      • Jared17 on 07/09/2018 - 07:45

        thanks

  • xmchen on 06/09/2018 - 10:35

    Does the Amex black incurs additional $150 annual fee?

    • Gooddeal21 on 06/09/2018 - 10:42

      No all free the first year

  • garylau on 06/09/2018 - 10:36

    Does anyone knows how to transfer the rewarded points to QFF? It's showing on my AMEX account but not on QFF account.
    Thanks!

    • SnoozeAndLose on 06/09/2018 - 10:43
      +1

      They transfer once a month, may be your spending missed the boat. Wait until this month.

      • nickj on 06/09/2018 - 21:04

        When we called and added the supplementary card, they told us the date of the month when it would get transferred. And sure enough, that day + 1 day was when processed transactions + the supplementary card bonus appeared in QFF. So you can always call them and ask what your day of the month is for points being transferred.

    • Gooddeal21 on 06/09/2018 - 10:43
      +1

      Should be automatically I believe patience is your friend

    • Gooddeal21 on 06/09/2018 - 21:49

      I asked today, they said 6-7 days prior the statement.

  • Sudden on 06/09/2018 - 10:41

    How soon after you've received the cards can you make use of the AMEX Lounge?

    • SnoozeAndLose on 06/09/2018 - 10:44

      After you activated.

      • jjjaar on 08/09/2018 - 15:20

        Do I need to have bought the flights on the card or just get 2x passes as long as I activate?

        • trotsky on 08/09/2018 - 15:32
          +1

          Flights on the MC are for QANTAS lounge entries. You also get 2 x AMEX lounge entries on the AMEX cards without any purchase required.

  • z28 on 06/09/2018 - 10:54

    I applied for these cards last month via Qantas (qantas.com/cards). At the time, Qantas had a promotion of additional 10K points if registering/applying through their website. I am not sure if this promotion is still available. Anyway, I got email from Qantas confirming that I am registered and will send me the points after 12 Sept.

    I normally apply for cards around this time of the year due to council rate, car registrations, insurance … Yesterday, I got 40K points from Amex in Amex account, not sure when they will be transferred. I haven't seen any from Westpac.

  • Naigrabzo on 06/09/2018 - 10:54

    Is the usual procedure to sign up for this, rack up the spending and cancel the cards before the year is up? Otherwise It;s about $450 in fees?

    • beesquared on 06/09/2018 - 11:00
      +2

      correct, spend the required amount. Cancel the card before the 12 months is up

    • trotsky on 06/09/2018 - 11:02

      Yes, exactly

      • Naigrabzo on 06/09/2018 - 11:02
        +2

        Thanks! I am still on a L plate when it comes to OZBARGAIN!

  • arctan on 06/09/2018 - 11:05
    +1

    Just need to watch out for your credit score as you get hit twice for both cards. My score is now below 650 so I have to wait a bit longer before I can apply another credit card.

    • yogo on 06/09/2018 - 13:57

      I've been wondering what the impact is to credit rating for having so many credit cards, let alone switching eery 12 months. Are you able to elaborate? And where do you check?

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