Westpac Altitude Qantas Black Card: 90,000 Qantas Pts ($6,000 Spend in 120 Days), Annual Fees: $295 + Qantas $75

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Westpac Altitude Qantas Black Card: 90,000 Qantas Pts ($6,000 Spend in 120 Days), Annual Fees: $295 + Qantas $75
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Koipanda on 21/11/2023 - 23:50 westpac.com.au (731 clicks)
Last edited 30/12/2023 - 20:44 by 1 other user

Westpac Altitude Qantas Black

$295 Annual card fee or Sign in to apply for a $150 card fee for the first year (reverts to $295 thereafter))

$75 Annual Altitude Qantas Rewards Program fee
$15,000 Minimum credit limit
$75,000 p.a. Minimum income required

Get up to 120,000 bonus Qantas Points~ — 90,000 Qantas Points in year 1 if you spend $6k+ on eligible purchases† within 120 days of new card approval and an extra 30,000 points after your first eligible purchase in year 2.

Offer not available if you’ve held an Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas or Velocity in the last 12 months.

Relax before you fly with 2 complimentary Qantas Club airport lounge passes each year.

Mod note: 30,000 Qantas Points in the second year removed from title — either quote $295 fee for 90,000 or quote full 2 years worth of fees & purchase requirement for 90,000 + 30,000 points.

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.

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Comments

  • Koipanda on 21/11/2023 - 23:51
    +7

    Nothing really changed since last deal…
    FYI, I'm back on the churn train so expect me to post more deals

    • Homr on 22/11/2023 - 01:15
      +1

      Is it wise to keep churning credit cards if you want to do a pre-approval for a homeloan in 2 - 3 months time? Asking for myself

      • Queue2Queue on 22/11/2023 - 05:43

        Yes it's fine.
        Banks don't look at how many credit cards you have had to calculate borrowing capacity or risk. They do look at how many credits cards you currently have open and that will impact your borrowing capacity. I.e. if you have 4 cards with $10k on them each, paid or not, your borrowing capacity is reduced by $40k.

        • adrianhughes1998 on 22/11/2023 - 06:19

          Incorrect.

          It's actually reduced more than that by a factory of 2 or 3, should one wish to borrow for a mortgage.

          They look at your credit limit on these cards, not how much you've spent on them. Most credit cards have a 6k or 10k credit limit on them.

          • Queue2Queue on 22/11/2023 - 09:30

            @adrianhughes1998: Correct? We just said the same thing.

            Banks only look at cards you have open (active) at your limit (i.e. paid or not) to see your borrowing capacity. Not ones that you have churned (closed).

            Whether it's multiplied by a factor 2 or 3 on your limit, has not been my experience with CBA for 4 new home loans within 10 yrs. Maybe other banks?

    • 88mph on 30/12/2023 - 08:21

      Thanks for sharing, picked it for my next churn card, approved within a day.

      There's a clause in the T&C's saying exclusions include "a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions".
      I assume paying council rates is one of these exclusions?

  • adrianhughes1998 on 21/11/2023 - 23:53
    +3

    Better deals with the same card but using Velocity points cos at least you get the 30K bonus from Velocity too..

    Qantas has been sucking hard this year compared to velocity.

    • Koipanda on 21/11/2023 - 23:56
      -1

      Its too hard to churn for both rewards programs.

      Do you know if Velocity has a 'classic rewards' type of redemption?

      • adrianhughes1998 on 22/11/2023 - 00:01
        +3

        Haha maybe it is maybe it isn't, depends on your circumstances. Sometimes you gotta get crafty with meeting your minimum spend too. I used to think it's too hard but it's good to have your hand in both pots.

        I got a whole bunch of velocity points, probably like 400k odd in the past year. Sprinkled a couple of Qantas in there too, so it's definitely achievable.

        Velocity does have Rewards fares redemptions, have got some Singapore airline biz class and just got home last week from Qatar First Class. Still got plenty of kitty in the bank points-wise.

  • Homr on 22/11/2023 - 01:13

    How do I get the 2 complimentary Qantas Club airport lounge passes? Someone please help

  • Koipanda on 22/11/2023 - 20:51
    +1

    Ended up applying for this card. Immediately approved and got the digital version of the card to use

    • Skullytor on 28/11/2023 - 19:16

      hey big spender

    • Arick on 02/12/2023 - 23:06
      +1

      Lucky you. First time applying for any credit card. Have more than enough income and it was all good when I had to sign in to my bank that my income gets deposited into. But I must have been flagged for something as I have to wait for my income verification to go through after supplying payslips and bank statements. I'll just use the time to start lining up my expected purchases.

      I didn't give an exact amount when it was for my expenses so perhaps that was it.

      Note: Application to Westpac is not supported for the few people that use Firefox.

  • axe on 23/11/2023 - 06:17

    Two questions:

    This would be eligible for the separate 30K points after 30 days promo?

    What's required for the "sign in to apply" reduced fee? Just create a Westpac account beforehand?

    Thanks

  • slickvic on 30/11/2023 - 16:34

    Dumb question, if you are not with Westpac what is the lowest commitment required in order to take advantage of the reduced card fee?
    Would it be to open a bank account ($5/month)?
    Anyone with experience here?

    • Koipanda on 30/11/2023 - 17:39

      I just open an account.

      • Koipanda on 30/11/2023 - 17:40

        Saving and spending. No fees if you meet the requirements

  • squid01 on 21/12/2023 - 19:51

    If I use Sniip to pay an ATO tax bill, will that definitely count towards the card minimum spend for the sign on bonus points? For the velocity version of this card if that makes any difference.

    • 76F on 13/03/2024 - 15:17

      Yep.

  • kokoikaka on 22/01/2024 - 13:07

    anyone knows how long it takes for the bonus point to arrive?

    • tumsum on 19/03/2024 - 10:19

      within 12 weeks of meeting the intial spending requirements (amount $ and timeframe)

  • 1jwoz on 23/01/2024 - 15:15

    For churning purposes you're better off getting this unless you think 2 lounge passes are worth the extra $101. https://www.ozbargain.com.au/node/814281

    • Koipanda on 23/01/2024 - 16:43

      You can get the Annual fee fully refunded if you call to cancel within the first statement. :)

      • FreeAsABird on 13/03/2024 - 22:41

        Are you talking about this deal or one in 1jwoz's comment?
        what would you recommend I say to the person on the phone?

      • hytvszz on 19/04/2024 - 18:43

        just close my card after 1st statement and ask for the refund of annual fee via online chat, get 49 annual fee and 75 reward fee all refunded

  • tobi3421 on 17/02/2024 - 00:23

    How fast did everyone get their bonus points? I met spending criteria within the first month, but haven’t gotten the points after 2 statements

    • Koipanda on 17/02/2024 - 01:38
      +1

      Within 1 month of meeting the spending criteria

    • 88mph on 17/02/2024 - 09:52
      +2

      I would advise to scrutinize your spend, there are a lot of exclusions in the terms, e.g rates, etc. If you didn't get them after a month of hitting it, most likely that's the cause, and hopefully you have some time left to put in some big inclusive spends in.

      Talking from personal experience.

  • poormansfriedchicken on 28/04/2024 - 13:08

    Does this card give a pro-rata refund?

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