Altitude Points Unable to Redeem - As Card Cancelled

twofoursix on 07/09/2021 - 14:07
Last edited 07/09/2021 - 14:43 by 1 other user

Hi,

I had Westpac credit card for last few years and I was able to accumulate 135K points on that card and due to some late payments I had to cancel the card by paying lump sum balance and closing it. While closing I did ask about points and they advised (overseas call centre being closing Credit Card Department) that points would remain with the account. I've closed the account March 2021.

Recently tried calling Westpac to redeem points but they said the points been elapsed because I have cancelled the card.
135K point is a lot and is there any method or process I can take it on to get those points back? OR is it all gone and never going to see again?

Did any body had similar scenario with success ? If so appreciate if you could share the method you've approached.

Thanks in advance.

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Westpac

• 

  Duckie2hh on 07/09/2021 - 14:15

  +8

  You went passed the period ( i think 90 days) which they will keep the points after closing the account. Nothing more that can be done. Take it as a learning experience. Spend all the points before the account is closed.

• 

  Hithere on 07/09/2021 - 14:17

  +4

  6.1 How long do you have to use
  your Points?

  Altitude Points do not expire while your Card Account is open and you remain enrolled in Altitude Rewards. If your Card Account is closed, you must use your Points within 90 days.

  https://www.westpac.com.au/content/dam/public/wbc/documents/…

• 

  pharkurnell on 07/09/2021 - 14:19

  -2

  What did they say when you rang them?

  but they said the points been elapsed because i have cancelled the card.

  • 

    twofoursix on 07/09/2021 - 15:14

    The call center operator could see my points on her screen and next minute she said NO they all been elapsed, the reason she said is because i have cancelled the card and didn't redeem, hence points elapsed.

• 

  Drakesy on 07/09/2021 - 14:19

  You're unable to redeem them as they only last 90 days, it's there in the T's&C's. They're correct in that the points remain with the account after closure. However you do have the 90 day time period to use them otherwise they're forfeited.

• 

  JimmyF on 07/09/2021 - 14:47

  Always redeem points/credits etc BEFORE closing the account.

• 

  lubos on 07/09/2021 - 15:01

  +1

  I've cancelled my Westpac card in January. They certainly do not go out of their way to tell you about this 90 days rule when you cancel and have significant point balance. I lost 550k points because of fine print.

  • 

    twofoursix on 07/09/2021 - 15:12

    oops so sorry to hear, mine is drop compare to yours.

• 

  me1stt on 07/09/2021 - 15:08

  +1

  I cancelled mine in April, and the 90 days is mentioned in the account closure letter.

• 

  twofoursix on 07/09/2021 - 15:12

  -5

  But i had Virgin velocity points and cancelled few years ago they haven't been elapsed and it's available for redeem. I was in the impression that all points has same conditions, but NOT!!

  • 

    DashCam AKA Rolts on 07/09/2021 - 15:19

    +3

    I was in the impression that all points has same conditions, but NOT!!

    Next you'll be telling me Toyota and BMW have different servicing costs! What's the world coming to?

  • 

    tsunamisurfer on 07/09/2021 - 15:34

    +5

    You have been advised of the legitimate reason you cannot redeem your points.

    Late payments are YOUR doing.

    Cancelling the card is YOUR doing.

    Not reading the T&C's are YOUR doing.

    Not spending the points is YOUR doing.

    Please learn to accept reality.

    • 

      DashCam AKA Rolts on 07/09/2021 - 16:09

      +1

      Please learn to accept reality.

      …..but mum…..

  • 

    Drakesy on 07/09/2021 - 17:04

    -1

    Altitude does not equal Virgin.
    They're two different point schemes.
    Apples and Oranges.
    Virgin is 18 months
    Altitude is 90 days from closure.

    I was in the impression that all points has same conditions, but NOT!!

    At this stage OP has to be a Troll

• 

  Hithere on 07/09/2021 - 17:00

  I was in the impression that all points has same conditions

  Doesn't matter what your impression may be. Learn to read the T&C in future and don't believe what call centers make up tell you.

  Your points are gone. Wipe your eyes, blow your nose, and move on.

  • 

    DashCam AKA Rolts on 07/09/2021 - 17:29

    +1 for "Wipe your eyes, blow your nose, and move on."