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Westpac Altitude Black Mastercard/AmEx Bundle (90k QFF Points for $150 Annual Fee 1st Year)

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Westpac have again revised their Black Mastercard/AMEX bundle offer. Not as good as the $0 first year promo they had late last year, but the Qantas points bonus for the Mastercard has increased from 80k to 90k, which is still pretty decent for the now $150 annual fee first year. Unfortunately the application has to be for the bundle (so two credit checks, for those that care), but the bundled AMEX card, at an additional $199 annual fee, is probably best thrown in the bin.

The usual 12 month exclusion period applies, even though the person who wrote this needs to go back to grammar school. “Existing Westpac customers who currently hold an Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Platinum or Altitude Black credit card in the last 12 months are not eligible for this offer”.

Mastercard

90,000 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. Reduced Annual Card fee: $150 Annual Card Fee for the first year* ($250 p.a. thereafter). Qantas Rewards fee: $0 Qantas Rewards fee for the first year. ($50 p.a. thereafter).

Two complimentary Qantas lounge passes (largely offsets the $150 annual fee).

AMEX

40,000 bonus Qantas Points~
When you apply, are approved, and spend $3,000 on eligible purchases on your new American Express® Westpac Altitude Black Card within 90 days of Card approval. $199 Annual Card fee.

Enjoy two complimentary passes each year to the American Express Airport Lounge at either Sydney or Melbourne International Airports.

Related Stores

Westpac
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closed Comments

  •  

    Just tried to ask Amex to waive my $199 annual fee, they said "Amex doesn't do that". Even though I told them I will cancel the card then. Amex would not budge.

    • +4 votes

      They can’t offer you any incentives to stop you cancelling any more since 1 January 2019, by law, unfortunately.

      •  

        Really?

        •  

          All they can really do is offer you other products. They'll say, 'Oh, $199 is too expensive is it? We can offer you a card with a $129 fee with less features, or a $0 card with no rewards' etc.

          •  

            @bohn: They aren’t allowed to offer any incentives or other products to keep you.

            •  

              @ben1980: if you call and say can you waive my fee as it's too expensive, they will offer you another product that is cheaper. They will not give you an incentive on your current card.
              if you call to cancel, they will cancel it.

              source: just tried it last week.

              •  

                @bohn: Shame I remember having a expensive annual fee Amex card years ago and got it fee free first year then fee waived for then next 5 years, they only stopped offering me fee free when I changed jobs and didnt buy that much. With the law change, this will never be offered again….

          •  

            @bohn: I've had a different experience, albeit on the Qantas premier card run by citigroup.

            I asked for a fee reduction and this was offered.

            I think the law prevents providers from initiating a conversation where you are offered an incentive to stay.

            However it does not prevent you from asking for an incentive to stay, at which point they can offer you an incentive.

      •  

        got offered bonus points last week, I declined

    •  

      Yes, I asked as well given that I originally obtained this card as part of my current Westpac Home Loan package. My free 12-month annual fee period is coming up and I was wondering if any deals had been made. I still pay this Westpac package fee, but I will be getting less out of it. Amex basically said they were sorry to hear that I will cancel and advised me how to cancel the card online.

    • +1 vote

      I just called and said ‘I am looking to cancel’ and next thing the card was cancelled immediately. Didn’t ask why or present any offers to stay?

      I then mentioned some people were offered 6000 points to stay and he told me they weren’t allowed to do this any more from January 1st. A few seconds later he came back and said there was an offer on my account though for 5000 bonus points if I decide to stay for another year (he said this wasn’t offered to everyone but only certain people).

      I wonder what was to stop me from taking the points and then calling to cancel in a month or two?

  •  

    I got this for free first annual fee last year.

  • +1 vote

    So in total a $350 annual fee for the first year?

    • +1 vote

      If you activate the Amex card as well, yes. Or you can do as I intend to do and throw the Amex in the bin when it arrives, and it is only $150.

      In the last Westpac bundle deal posted there was quite a bit of discussion about needing to activate both cards to get any of the bonuses. You don't. Just ignore the Amex and enjoy 90k QFF points for $150 total.

      •  

        Ahh, okay that makes more sense.

        I am not sure really. If I am going to take two credit card hits, I probably want to make use of both cards. Nice first offer of the year from Westpac, but hopefully they bring back their original offer!

        •  

          Yeh, obviously I'd prefer the no annual fee deal, but I am in a bit of a lull from now until July, waiting out multiple 12 month exclusion periods before churning some more, so I'd rather jump on this now compared to nothing at all.

          As much as possible I try to have every dollar I spend contributing to minimum spend requirements for the churn game.

      •  

        I was advised by Amex, if I applied Amex card and throw it to the bin, they will still charge me the annual fee probably after 1 month

        •  

          What? How can you be charged if you never activated an account?

          •  

            @endolphin: if you apply and they approve you, I guess you could have an active account but just not an activated card connected to it.

        •  

          Just got my Amex annual fee refunded after cancelling within one month of due date
          . Didn't use any of the travel credits etc. Had card 2 years so maybe different??

      •  

        90k QFF points for $150
        vs Qantas Premier Platinum credit card 70K QFF points for $149 + 0% BT for over 12 months + earns 1 Qantas Points for every $1 spent on eligible purchases (for this non-Amex card)
        if the credit limit is approved at 10K+, the latter sounds better

      •  

        Is there anyone buying Qantas ff anymore?

      •  

        But its actually 90k points for $150 annual fee + $3000 spend..?

  •  

    waiting for 12-month limitation to expire

  •  

    No Deal.

    Wait for 120k QFF and 0 Annual fee.

  •  

    whats the quickest way to spend $3k and get it back? business class tickets will refund back to the card you purchased with right?

  •  

    What's the minimum credit limit on each of the cards? I'm assuming the mastercard is 15k

  •  

    My AMEX card arrived yesterday (applied 11pm Tuesday, approved 10am Wednesday, so quick) and the T&Cs states that the annual fee is $0 for the first year ($199 thereafter). States that fees are current as at 5th March 2019. So looks like I won't be throwing it in the bin!

    •  

      So just to confirm, you think you will only have to pay $150 total for the two cards? If that's the case then if you spend the $3k on each the deal is actually pretty good. Once you get your first statement can you confirm the fees you were charged on each card?

  •  

    About to cancel my Amex explorer and contemplating between this offer and the Point hacks deal ending next week…which is better?

    •  

      IMO the anz is better than this one.
      I'd prob apply for the ANZ and then get this one before it expires in May ;)

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