• expired

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

2280
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.

Related Stores

Westpac
Westpac

closed Comments

  •  

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

    Am I interpreting it correctly?

    • +2 votes

      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.

      •  

        How did you go about just applying for the MC?

        • +2 votes

          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.

        • +6 votes

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

        •  

          @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.

        • +12 votes

          @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.

        •  

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

        • +3 votes

          @jjjaar: No one knows you bought gift cards.

        • +2 votes

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

        • +1 vote

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

        • +1 vote

          @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.

      • +1 vote

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

      •  

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

    •  

      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

    •  

      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

  • +1 vote

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

    • +1 vote

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

      •  

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

        • +1 vote

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

        • +1 vote

          @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).

    •  

      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.

  •  

    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)

  •  

    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?

  • +1 vote

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

  •  

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

    • +2 votes

      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.

      •  

        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.

        •  

          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.

        • +1 vote

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

        •  

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

        •  

          @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.

          •  

            @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)?

          •  

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

            •  

              @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.

  • +1 vote

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

    • +5 votes

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

    •  

      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?

      •  

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

  •  

    still waiting for my bonus ppoints…….

    •  

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

    •  

      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!

      •  

        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.

    •  

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

    •  

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

  •  

    When do the points come through?

    •  

      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.

    •  

      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.

  • +4 votes

    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.

    • +2 votes

      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

    •  

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

  •  

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

  • +1 vote

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

    Thank you

  • +5 votes

    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!

  •  

    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?

  •  

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

  •  

    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?

  •  

    Does the Amex black incurs additional $150 annual fee?

  •  

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

    • +1 vote

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

      •  

        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.

    • +1 vote

      Should be automatically I believe patience is your friend

    •  

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

  •  

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

  •  

    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.

  •  

    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?

  • +1 vote

    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.

    •  

      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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