This was posted 3 years 11 months 19 days ago, and might be an out-dated deal.

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Westpac Altitude Black - 90,000 QFF Pts ($50 Fee 1st Year) /150,000 Altitude Pts /w $4000 Spend in 90d (Existing Westpac Cust)

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Westpac Altitude Black - 90,000 QFF Pts ($50 Fee 1st Year) /150,000 Altitude Pts /w $4000 Spend in 90d (Existing Westpac Cust)
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llwl on 08/05/2020 - 13:30 westpac.com.au (7323 clicks)
Last edited 28/05/2020 - 13:18 by 1 other user

Similar deal to one posted earlier this year, except now there is no option for Virgin points. Previously posted deal marked as expired so I have reposted - hope that is ok and not a duplication!
Apple Pay is also now available with Westpac as well.

Card details:
Uncapped points earn rate: 0.75 Qantas Points per dollar spent on eligible purchases, uncapped
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 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

Get 150,000 bonus Altitude Points^ or up to 120,000 bonus Qantas Points with $4000 spend within 90 days.
(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.
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.)

Plus pay no annual card fee for the first year (currently saving you $250+)

Offer excludes customers who hold/held any Westpac Rewards credit card in the last 12 months.

New cards AND existing Westpac customers only. Offer ends 5th August 2020. T&Cs apply.

Comes with 2 lounge passes - Qantas lounge pass or Priority pass (depending on selected rewards program)

If you are not already an existing customer with Westpac, you'll need to apply for an account first before you can apply for this Promotion.

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

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closed Comments

      • JuryWheel on 09/05/2020 - 10:07

        Which account did you go with?

        • jscan on 09/05/2020 - 11:38

          Westpac Choice

          • Ozbargainasaurus on 09/05/2020 - 12:29

            @jscan: Any problem applying for credit card straight away?

            • jscan on 09/05/2020 - 22:12
              +1

              @Ozbargainasaurus: No, I got conditionally approved for the limit I asked for, just provided payslips etc. Will update on the outcome.

              • jscan on 11/05/2020 - 16:49

                @jscan: Full approval came through this morning, every quick turnaround time.

  • damnable on 09/05/2020 - 08:56

    Hi folks. I'm interested in this but I'm having trouble finding a fee-free account option to start with as I'm not a WP customer. It seems like the online-only account require you to first have one of the savings accounts that comes with a debit card, which has a $5 monthly fee. Can anything help me out please.

  • CoffeeK on 09/05/2020 - 09:38
    -1

    Does Paypal count?

  • jscan on 09/05/2020 - 11:42

    These are the steps to follow if your not an existing Westpac customer:

    1) Open Westpac Choice (don't forget to cycle 2k through the account to avoid monthly service fee of $5 before end of month.
    2) Apply for card
    3) Once card is approved or received, call ask them to waiver bank account monthly account keeping fees or instruct them to close the account entirely. More than likely they will waiver the fees for 12 months in order to keep the account.

  • Ievgen on 09/05/2020 - 12:11

    Thanks OP. Applied and got conditionally approved. Uploaded income verification docs and need to wait till that is finalized. The application is relatively easy and straightforward, takes less time than with the other banks.

  • yayo321 on 09/05/2020 - 12:28

    Is it considered an eligible purchase if i use paypal linked with the credit card?

  • gimme on 09/05/2020 - 12:34

    Need to read fine T&Cs. I'm a Westpac supplementary cardholder. Question is whether that qualifies me an an existing customer AND doesn't exclude me as having an existing credit card. I'm pretty sure I'm covered for the latter as the account isn't in my name but I need to check the former.

    • dypkyangboy on 12/05/2020 - 09:15

      hey @gimme - how did you go
      i am a suppl to my wife's card and i called them yesterday (applied over the weekend) and i asked them if i am eligible to get the bonus points and they say it is showing as ok.

  • stepanovay on 09/05/2020 - 15:18

    The fine print on the website states that "To be eligible for up to 120,000 bonus Qantas Points, you must apply and be approved for a new Altitude Black credit card between 1st April 2020 and 5th August 2020"

    Does that mean that if we apply just before 5th August but not get approved immediately, we don't get the bonus points?

  • jscan on 09/05/2020 - 17:35
    +1

    I got conditionally approved for the limit I asked for, just provided payslips etc. Will update on the outcome.
    I already hold 1 amex, 1 ANZ FF Black + 1 WoolWorths Platnium, although all carry zero balances owing.

    • DryScissors on 10/05/2020 - 17:06
      +1

      You on six figures?

      • jscan on 10/05/2020 - 19:23
        +1

        Yeah I am actually, lol.

    • SBOB on 10/05/2020 - 17:30

      Same.
      Web site first said needed to be verified and would bet a response in 2-3 days, then email for conditionally approved about 10 mins later asking for payslips.

      Had the same card I closed about 16mths ago so an existing login.

      Also have 2 other cards and only about a week ago cancelled ANZ FF black and an Amex.

    • jscan on 11/05/2020 - 16:48

      Full approval came through this morning, every quick turnaround time.

      • SBOB on 11/05/2020 - 16:49

        same

        saved a pdf of the application page with the fee free for first year, just in case.
        Considering it looks like they've already pulled it.

        • jscan on 11/05/2020 - 21:05

          Can you send me the pdf, just in case.

          • SBOB on 11/05/2020 - 21:21
            +10

            @jscan: you dont have PM's turned on

            this might work
            https://files.ozbargain.com.au/upload/47341/79579/westpac_co…

            • jscan on 12/05/2020 - 11:01

              @SBOB: Awesome, thanks

              Got an email from them this morning saying my card is on the way + highlighting the T&C

              "$0.00 annual fee in the first year from date of card approval: 11 May, 2020." :)

            • mcbargainmeal on 12/05/2020 - 16:41
              +1

              @SBOB: The "Apply now" link within your PDF still works, and takes you to the form with the first year annual fees waived..

              • ilikedeals on 12/05/2020 - 19:59

                @mcbargainmeal: The apply now link in the PDF now asks you to sign in as an existing Westpac customer..

              • thestig on 14/05/2020 - 14:09
                +2

                @mcbargainmeal: I've gone through the apply now button on the PDF and logged in but still can't see anywhere that says the first year annual fee is waived on that page. I can just see the info/docs you need for the application listed, not details of the card. Can you point me in the right direction if I am going blind? Thanks!

  • mcbargainmeal on 11/05/2020 - 11:32

    I have created a new Westpac Choice account, and tried to complete a credit card application - but when I reach the end of the application process and press submit, an error message comes up saying the credit card form is currently unavailable, and to try again later.

    Is anybody else having the same issue?

  • nadan on 11/05/2020 - 13:13

    My login is still active from previous card I had with them which was more than a year ago. I applied for this and then called to confirm I was eligible for the no fee for the first year and the rep confirmed that I am.
    One less hassle opening a new account.

  • gimme on 11/05/2020 - 13:38

    Is the deal gone? The landing page no longer shows the bonuses but it's still in the T&Cs

    • Iamnotcheap on 11/05/2020 - 13:58

      Same here - got the account set up, and just went apply - now shows $250 as being the card fee…

  • blinkybro on 11/05/2020 - 14:19

    Brand new to the points game, what's better QFF or Altitude points?

    Applied Sunday and completely approved already at 9am this morning - seems the deal has been removed tho as above link moved

    • Ozbargainasaurus on 11/05/2020 - 15:29

      Depends what you're after… I went altitude this time as I plan to get gift cards with the points…

      • blinkybro on 11/05/2020 - 16:17

        Hmm, i guess travel sounds enticing? but if the other is just much better $ value then i dont mind?

        Would the 90k qantas points be worth foregoing the benefit of gift cards?

  • Ohreally on 11/05/2020 - 15:52
    +1

    Looks like its 250$ a year now :( Just cancelled my ANZ black and was about to jump ship!!!

  • jscan on 11/05/2020 - 16:51
    +3

    It seems this offer was probably oversubscribed & Westpac ended it early as they did previously.

  • toobzy on 11/05/2020 - 17:51

    What if you started and saved (but didn't finish your application) before they changed it?

    • Ozbargainasaurus on 11/05/2020 - 18:06

      That's what I'm wondering. I'll be trying to get it back if I am charged.

      • nadan on 11/05/2020 - 19:14

        I would say the lodgement date is considered the date of your application.

  • gimme on 11/05/2020 - 20:34

    Still showing here and in the T&Cs so best to confirm first.

    https://www.westpac.com.au/personal-banking/credit-cards/rew…

  • whatif on 12/05/2020 - 10:41

    Have they changed this offer? Showing $250 annual fees and not waiver anywhere?

  • maxo84 on 12/05/2020 - 12:26
    +1

    Why has this deal expired if it was meant to go through to August 5th?

    • ilikedeals on 12/05/2020 - 19:57

      Annual fee is now showing as $250 on the website - therefore deal marked expired

  • Unacceptable on 12/05/2020 - 12:56
    +1

    I got my card today and couldn’t activate on app nor over the phone so I had to visit a branch. Whenever I get Westpac cc it’s always like having to activate in person.
    Edit) long queue in the branch now and how annoying!!

    • jscan on 12/05/2020 - 16:31

      Oh ffs, I don't wanna visit a branch.

    • SBOB on 12/05/2020 - 16:37

      could you activate the digital card in the app?
      I did that and have already used it, prior to the card arriving.

  • dumkaze on 12/05/2020 - 18:49

    How can I check that deal is available for me

  • ilikedeals on 12/05/2020 - 19:56

    How did they just increase the annual fee to $250?

  • DaHuntz on 12/05/2020 - 20:05

    Can I ask what sort of purchases you guys make to meet the minimum spend? I know the Woolworth e gift card is one of them but is there anything else out there that is worth considering?

    • timhn on 12/05/2020 - 20:30
      +2

      Hookers.

      • DaHuntz on 12/05/2020 - 20:30

        didn't know they accept credit card…

        • agalea101 on 14/05/2020 - 07:50

          Tap and go is where that phrase was from. Embedded butt microchip

    • thestig on 13/05/2020 - 19:09

      If only there was a website where people post purchases that are bargains and worth buying!

      • UrMumsOnlyFan on 13/05/2020 - 22:57
        +1

        Nah, it'd never catch on.

  • johnjones8 on 12/05/2020 - 21:01

    What is up with this deal only running for few days before they add the fee back? Same thing happened back in the beginning of April as well.

  • papapanda on 13/05/2020 - 11:13

    Are they still waiving the $250 annual card fee for the first year? Looking at Westpac website, it doesn't say anything about fee waiver….

    • dogzilla on 13/05/2020 - 12:03
      +1

      same here, just realised - applied and then saw the fee. On the phone now to get the application cancelled unless they waive the fee

      • DryScissors on 13/05/2020 - 18:48

        That sucks mate. If you have to cancel, that application still stays on your credit file.

      • Ozbargainasaurus on 13/05/2020 - 19:57
        +2

        How'd you go on the phone?

      • gazer on 14/05/2020 - 10:29
        +1

        Yes, also interested in what they said on the phone pls!

      • yayo321 on 21/05/2020 - 18:47

        Any success getting the fees waived?

  • blinkybro on 13/05/2020 - 13:32

    Hi,

    Can anybody explain the two lounge passes "with eligible purchases"?

    I've tried to click the link to see what you're required to do to get the free lounge visits, but can't seem to find it!

    Any help would be much appreciated :)

    • Unacceptable on 13/05/2020 - 14:42

      I activated the qantas black yesterday and noticed that I already got the lounge passes.
      edit) disregards this. I may have got this from other qantas card.

  • Ievgen on 14/05/2020 - 19:14
    +1

    Got approved at last. Applied on Saturday. Took a little while but all good in the end :).

  • ezza on 14/05/2020 - 19:47
    +2

    I applied the morning just before the offer disappeared (just in the nick of time!).
    Got conditionally approved, submitted payslips, then received a call from an onshore agent suggesting I had other credit cards open (which had been cancelled some months ago).
    After locating closure letters, I sent these through on email yesterday, called the call centre who confirmed receipt of these.
    Today got the message of approval, to my surprise it allowed me to activate a digital version of the card along with adding it to Apple Pay right away.
    I did check the doc that makes you confirm before activation in the app - it did have $0 annual for first year, then $249 the following year so I'm pretty sure I got the offer!
    Pretty surprised with the whole process, last time around with Westpac I had to jump through hoops and follow up approval etc.

  • jscan on 15/05/2020 - 22:03
    +3

    Don't forget you can add an additional card holder at no extra cost, unlike ANZ black which charge $65.

    • ujwols on 19/05/2020 - 03:59

      With digital cards (Apple Pay, Google pay etc), additional card is redundant any way

      • danielh on 19/05/2020 - 11:10

        This is for an additional card holder with a different name though. Are you saying that you actually put in your personal CC details into your partners iPhone and Apple watch (or equivalent) and let them use your CC just like that?

  • SBOB on 19/05/2020 - 11:47

    has anyone jumped through the hoops for the FF lounge passes? Is it still a case of spending >$1 on co2 offsets to qualify?

    • muncan on 20/05/2020 - 07:29

      Yup

      • SBOB on 20/05/2020 - 07:32

        thanks. Did it yesterday anyway, so will see if it turns up :)

        • ezza on 20/05/2020 - 10:42

          Anyone have a link on where to purchase $1 co2? Couldn't seem to find it.

          • SBOB on 20/05/2020 - 11:35
            +2

            @ezza: https://www.qantasfutureplanet.com.au/

            after registering for the lounge passes here
            https://loungepass.altitudeblack.com.au/

            I just picked a route from Syd which ended up over $1.. Syd-Mel just too short :)

            • ezza on 20/05/2020 - 11:51

              @SBOB: Nice one!! thanks.
              Just need to wait for the physical card to come in so I can register on the Westpac site (i think the digital one may be not be the same digits etc)

            • eecchhoo on 20/05/2020 - 12:21

              @SBOB: Is $1 is the minimum requirement to be elegible? Can't see it on the Altitude opt in website.

              • SBOB on 20/05/2020 - 12:47
                +1

                @eecchhoo: its an unofficial value ive seen mentioned as an unofficial limit to exceed in AFF forum and here

                No idea if its right or wrong. :)

                The carbon offset definitely isnt in any kind of supported way to achieve the required spend on qantas products, and more a loop hole :)

                • Unacceptable on 20/05/2020 - 13:30
                  -1

                  @SBOB: so is this for additional two passes (by Qantas) on top of the two passes entitled by getting this card (by Westpac)?

        • SBOB on 03/06/2020 - 09:30

          still haven't seen any lounge passes show up :/

  • Ryk on 19/05/2020 - 13:19

    approved at 11.27. Yay!
    created a digital card and loaded it up on Apple Pay and Google Pay shortly afterwards. time to go shopping.

  • eecchhoo on 20/05/2020 - 10:55

    Is it an eligible transaction for Paying wa car registration ? Or council rates?

    • vawiyoci on 20/05/2020 - 13:46

      Eligible purchases do not include 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 (such as Post Billpay), refunds and balance transfers debited from the card account.

      But I haven't had any issues getting points after meeting the minimum spend criteria through rates etc with other bank cards even though they all seem to have these same conditions so YMMV - maybe they're getting stricter with catching these.

  • jscan on 20/05/2020 - 12:29

    What's the next best card to churn after this + the ANZ black?

  • vawiyoci on 20/05/2020 - 13:42
    -1

    Where on the page or T&C did you find the minimum income requirement figure?

  • Tangenyahu on 20/05/2020 - 14:31

    Looks like I have been stung on this one. I applied on the same day this was posted, but didn't hear anything for over a week, so called on Monday, and they said there was some sort of IT error and they would process it now. Got approved today, but when I went to activate the digital card, I noticed it had the $250 fee. I called them up and they said that the offer was not for the general public and the $250 would be applicable. I asked them to escalate it which they said they would do, but doesn't sound promising. B*astards. Still trying to decide if I should just pay the annual fee since I've already had the credit check.

    • jscan on 20/05/2020 - 17:24
      +5

      If you genuinely applied via the promotional link + was an existing customer at the time, use the details below if they don't resolve it for you. Give them a chance first. This is their executive escalations / resolutions dept.

      Lay out the details in short sentences + advise you will submit a complaint to the Australian Financial Complaints Authority (AFCA) if they don't resolve it.
      Most likely they will just waiver the fee as it's not worth the trouble getting a customer dispute with AFCA.

      Email: [email protected]

      Mr Julius Cox
      Senior Manager
      Westpac Banking Corporation
      Level 5, 150 Collins Street
      Melbourne VIC 3000
      Business: 132 032

      • Tangenyahu on 21/05/2020 - 00:08

        Thanks mate. Yep I definitely applied via the link and have maintained an esaver account since my first churn in 2016. And yeah I should wait for their escalations dept to look into it first, it just really rubbed me up the wrong way from the guy on the phone who was telling me this was a targeted offer only sent to certain customers, even though that clearly wasn't the case.

        Anyway good to know where to go next if the escalations dept can't sort it out.

        Cheers

        • yayo321 on 21/05/2020 - 18:40

          Hey, did you end up having any resolution on this? I just got approved today (applied on the 10thMay) and i went through my account details and noticed:
          $250.00 annual fee from date of card approval: 21 May , 2020.

          Just called and no resolution - Called the Application service line, then transferred me to the card services and then back to the application service line where they told me that they can't do anything because the application has already been approved. Apparently, there is a promo code and it did not waived my annual fees.

          Thanks

          • Tangenyahu on 21/05/2020 - 21:03
            +1

            @yayo321: Not yet. The guy on the phone told me he has sent an email off to their escalations dept, and he is going to call me back tomorrow, but he said that they probably won't have an answer till next week. I told them I had saved a pdf of the offer, but they weren't interested in me emailing to them. I'll let you know what they say when I actually get an answer.

            Did you also have an issue where the application wasn't processed immediately? They told me there was some internal IT issue, and I suspect that is was actually processed after the offer had been withdrawn, hence the reason for this happening.

            • yayo321 on 21/05/2020 - 22:49

              @Tangenyahu: Thanks for the update. I don't think there was any IT issue regarding my application. I got the conditional approval on the same day I applied via email on the 10th May.

              Reason it took so long: My application was sitting with a senior analyst when I called last Saturday. I decided to call them again this arvo when i still haven't heard anything from them. So today, the guy on phone followed up with the senior analyst and that's when my application got approved.

            • KDawgz on 22/05/2020 - 12:21

              @Tangenyahu: Hey mate. I am running into the same issue as you. Have you received any updates regarding on this? Thanks in advanced!

              • Tangenyahu on 22/05/2020 - 15:14

                @KDawgz: Mate just got a call back then. They basically said nothing new, and that their escalations dept said it was an offer that was sent around to specific people through their online banking, and that if you didn't personally receive that offer, then it was not available to you, and that their records indicate it wasn't sent to me.

                At the end of the day I'll probably still activate my card, as if someone offered to sell me 90,000 points for $300 I would take it every day of the week, and I'm due for a new card and don't want another hit on my credit file, but it still leaves a bitter taste in my mouth with Westpac. I certainly won't spend a cent over $4k on this card.

                My only solace is that Westpac will hopefully lose money from all the Ozb's who got away with this and then shut their accounts down as soon as the points hit.

                • Unacceptable on 22/05/2020 - 15:18

                  @Tangenyahu: What a bummer, you chased a deal but stung by the deal. Hope you got the most out of it and end it.
                  Edit) if I were in this situation I must be really furious. Sorry mate.

                  • Tangenyahu on 22/05/2020 - 15:37

                    @Unacceptable: Thanks mate. Yeah I'm annoyed, but I've paid the same annual fee with NAB before for the same amount of points when I'd run out of other cards to churn, so best to have some perspective and not let it annoy me too much.

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