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Westpac Altitude Black - 90,000 Bonus Qantas / Virgin Points with $4,000 Spend within 90 Days ($50 Fee) | 30k Points in 2nd Year

1210

Greetings everyone, seems like Westpac has upped this offer today :)


  • Apply for the Westpac Altitude Black card and spend $4,000 or more on eligible purchases† within 90 days of new card approval and you'll get the initial 90,000 bonus Qantas Points or velocity Points.
  • Plus, you'll receive an additional 30,000 bonus Qantas Points after making the first eligible purchase† in the second year of your card account being active.~

Uncapped points earn rate: 0.75 Qantas or Velocity Points per dollar spent on eligible purchases, uncapped6
Annual card fee: $0 in the first year, $250 thereafter+
Annual rewards program fee: $0 if you choose Altitude Rewards; $50 if you choose Altitude Velocity or Altitude Qantas
Variable purchase rate: 20.49% p.a.
Variable cash advance rate: 21.49% p.a.
Interest free days on purchases: Up to 45
Minimum credit limit: $15,000
Minimum income required: $75,000


Offer excludes customers who hold/held any Westpac Rewards credit card in the last 12 months. New cards only. Offer ends 5th August 2020. T&Cs apply.


If you choose Altitude Rewards you can register your Altitude Black Mastercard to receive 2 complimentary lounge visits per year to use at more than 1000 VIP airport lounges worldwide.
If you choose Altitude Velocity, you just need to provide us with your Velocity Frequent Flyer number and make a direct spend at Virgin Australia each year from your card open date.3 The Virgin Australia domestic lounge passes will then be available in your Velocity Frequent Flyer account within 10 business days, ready for you to enjoy the next time you travel domestically with Virgin Australia.
If you choose Altitude Qantas, you are eligible for 2 Complimentary Invitations per year after you spend on eligible selected Qantas products and services each year using your Altitude Black Mastercard. You must first register and opt in to take advantage of this feature.


Edit: You may need to sign up to a free transaction account or first, reports it's available to existing customers only.

As always, enjoy :)

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closed Comments

  • +5 votes

    What happens if the airline's go bust?

  •  

    Is this targeted? When clicking apply now using your link, it asks to login using Westpac CID and Pwd?

    •  

      Looks like its still the same deal from a month or two ago. Only applicable if you're an existing westpac customer.

      You'll need to apply for a transaction account or something to get this.

  •  

    Ooooh, nice. Applying right after I'm done with my ANZ Platinum churn.

  •  

    Thanks OP!

  •  

    Great deal! But still no Apple Pay ruins it for me 😔

  •  

    How flexible are banks with the minimum income requirement? I'm within 5k of the minimum, should I give it a shot?

    •  

      yeah you should. I have found they tend to be pretty flexible when i've applied

    •  

      In my, well my wifes experience, really strict. She was $1,500 short and they were a definite NO.

      This was a few years ago now, so it might have changed, and I can't remember which bank either sorry.

      No harm in asking though.

  •  

    What is everyone planning to spend their points on and do you think they will retain the same redemption value (i.e. there will not be any devaluation of points as has happened occasionally) in light of the situation the airlines find themselves in? Thinking of applying but on the fence still

    • +1 vote

      I redeemed all my virgin points for gift cards last week. Got about 1200 for 210k points. I don’t think virgin will survive and if they do the points will be worth much less

  • +1 vote

    Does anyone know what can 90000 points get you?

  •  

    I'm a secondary account holder - does anyone know if this excludes me?

  •  

    having st.george card in past 12 doesn't exclude it seems?

  • -3 votes

    Wow talk about predatory lending.. in this market atm?

    • +1 vote

      Huh, how is a standard credit card offering predatory lending?

    •  

      Only if the entry criteria is lower than it should be (i.e. irresponsibly low) - thus making it available to those who do not have the means to safely spend/pay off.

    •  

      How is it predatory lending?

  • +8 votes

    FYI fee is only waived if you are a current customer. Obviously you could sign up for a basic transaction account first if you wanted to.

  •  

    Are you eligible on a jobkeeper/jobseeker allowance lol

    •  

      If the dole payment is as much as the min payment. When that is the case, we have a very serious (oppose to serious) issue in this country.

  •  

    I applied and got approved for this credit card in the last week…anyone had any experience getting the $0 annual fee afterwards??

  •  

    so do i need to have a Westpac Live Online Banking acc in order to sign up?

  •  

    Good deal, 10k increase from the previous deal which just ended.

  • +2 votes

    Anyone can confirm is the points are obtainable with Bpay payments?

    CBA doesn't

    ANZ does
    AMEX does

    Edit:

    Actually found it. No bpay or similar this would make it difficult for a lot of people. Op can you add the no bpay or similar as eligible payment to the topic

    What doesnt count as an eligible payment
    -Interest
    -Fees and charges
    -Cash or ATM cash advances
    -Cash equivalent transactions
    -Gambling transactions
    -Payments to the Australian Tax Office
    -Government charges
    -BPAY ® or similar transactions
    -Refunds
    -Balance transfers debited from the card account

    This is worse than CBA, as with CBA you could use Bpoint

    •  

      so whats your suggestion to spend $4k..
      im thinking: prepaid electricity, water, gas, internet, private health.

      yes bpay not egilible, but some for example agl you can go to their website and make payment from there. probably got some surcharge, not sure. usually low anwyay.

  •  

    Alot of options atm, but I wanna limit my spending incase the Economy gets worse! I dont feel anyones job is safe if this keeps up for another 6months.

  •  

    cannot sign up without customer log in?

  •  

    Any current user of this card, could you export your statement transactions to spreadsheet?

  •  

    I signed up for this in the previous 80k deal for the velocity card. After I activated it they offered an add on amex with 20k points, 25 status credits and no annual fee for the first year with a 3k spend in 90 days. 18 months exclusion for westpac amex cards meant I was ineligible.

  • -1 vote

    Will Qantas survive if taxpayer don't bail out.

  •  

    Can't seem to find if this is available with a second card linked to the same account. Anyone know/can find it?

  •  

    aint no one gonna be spending the next few months… apart from buying TP and Pasta.

  •  

    $50 for 90k QFF points on this offer seems a better deal than the $150 for 120k points with current ANZ Black deal. Same min spend ($4000/90days) too. Any glaring pitfalls I've missed?

    Edit: Other than potential collapse of QAN and the QFF program.

    •  

      i'd pay $100 for 30000 points

      •  

        Hmmm - running the numbers you are probably right. At the standard 1c/point rate you're $200 equivalent ahead with ANZ. I am at least 1 month away from being ANZ eligible though.

      •  

        Genuinely seeking help here! I have been accumulating for a few years but never able to spend them. Most flights work out (after 500+ tax) to be $100-200 less than the regular pay without point. What is a better value option to spend points. I have about 500k points and I have tried Paris, Rome, Barcelona, Milan, HK, Japan (osaka + tokyo + sapporo), Beijing and Nanjing, they all seem to be not very good value (i normally get cheapest tickets though).

        • +1 vote

          Getting the cheapest tickets is your problem. You will get far far better value on business or first class. I went to Barcelona with Emirates last year in first using Qantas points and it was amazing. Spoil yourself!

        • +1 vote

          Google pointshack. Amazing site with tutorials. You nearly have enough for two business class rtw ticket returns.

    •  

      Can't use bpay or similar to get the required spend

  •  

    Darn, only cancelled back in Nov 2019.

  •  

    It's the first time that I apply for a credit card. All expenses are split between my partner and I. Is it how I should enter it, or should I put the total monthly mortgage repayment and expenses? Also, how can I obtain a second card for my partner, is it after I have applied for it and been accepted? Cheers

    •  

      gessus do you really think they will check what you put there as your expenses? like calling you hey where is the receipt for your kebab? your weekly expenses short of $3.90 maybe kebab is the missing one?

      just put any number as low as possible but still make sense.

      •  

        ? That's not what I asked… All I am saying is, I am only putting down my income, not my partner's, so should I only put down my half of the mortgage and expenses, or the total since this is what's coming out of the account. We are talking about a few thousand dollars, not $3.90.

        • +1 vote

          I live with my sister and usually only put down my half of rent, bills, grocery costs etc that we split despite the full value being spent on my card as she doesn't have a CC.

          Like you said, it's based only on my income so I only list the value of my half of the expenses.

      •  

        I laughed out loud, thanks

    • +1 vote

      Apply for second card holder once you've activated your card.

      In my application, I put down all the expenses that I'm liable for (my wife and kids).

      Think it was $5k a month and they had a pop-up-box for me to double confirm it's more than $5k per month.

      Yea, wife and kids are expensive…

      •  

        Ah right, apply once the card is activated.
        Yeah I got the same pop-up box which made me doubt. Thanks for your input!

  •  

    Anyone still selling points at the mo? What's current going rate?

    •  

      yeap id like to get rid of my virgin points not sure if i should transfer them to singarpore kris flyer program for safe keeping incase virgin goes bust dont think gov will bail them out.

    •  

      I do. My last transaction was at 1.1. That seems to be the ceiling as of about 3 months ago.

  • +1 vote

    You have to call once approved to make sure they change your annual fee to $0, mine got approved within 2 hours but when i called and asked what my fee was she said it was $250. I managed to get them to change it to $0 for the cc fee.

  • -1 vote

    "Offer excludes customers who hold/held any Westpac Rewards credit card in the last 12 months."
    Westpac low rate cc is considered as reward cc ?

    edit./ i dont think so:

    Pros and cons of low rate credit cards
    Pros: A low interest rate on purchases; usually a lower annual fee than a rewards card; for Westpac card customers, bla bla bla bla
    Cons: To get the lower purchase rate you forego some ‘extras’ like complimentary insurance or rewards points.

  • +1 vote

    Second Year benefits don't count !! :-D

  • -1 vote

    If you already have a Qantas Rewards Account, you don't need to pay the extra $50 do you?

    So this is essentially, $0 first year for $90k, and $250 for 30,000? Why would anyone want to do the 2nd year.

    • +3 votes

      Isn't the $50 fee just a charge to enable the card to be linked to QANTAS instead of the Altitude program. It's not the fee to join Frequent Flyer.