• long running

Westpac Altitude Black Card: 130,000 Points $200 Fee 1st Year ($6k Spend in 120 Days), 50,000 Points $295 Fee 2nd Year

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Westpac Altitude Black Card: 130,000 Points $200 Fee 1st Year ($6k Spend in 120 Days), 50,000 Points $295 Fee 2nd Year
Go to Deal
Drakesy on 30/05/2025 - 16:22 westpac.com.au (3000 clicks)
Last edited 30/05/2025 - 16:29 by 1 other user

The pickings are getting slim given the introduction of 18 & 24-month exclusion periods. Classic banks ruining the fun.
- This one is a 24 month exclusion period.

To be eligible for bonus Altitude Reward Points, you must apply and be approved for a new Altitude Black Rewards credit card before the offer is withdrawn. You will receive an initial 130,000 bonus points if you spend $6k or more on eligible purchases within 120 days of card approval.

There's a choice of the Qantas Altitude, Velocity Altitude or this, the generic Altitude. The generic Altitude is the only one with a $200 discounted AF (usually $295.) If you're already with Westpac this drops to $99.

130,000 points is equivalent to ~$550 in cashback with spend spread out over 4 months as opposed to the usual 3 months.
- Bonus of a Priority Pass membership and 2 complementary passes.
- There is the additional 50,000 points for the second year, but given it's a $295AF it's not really worth it to us churners.

Net profit of $350 which i'm not going to complain about. Yes there's better but i've burnt almost every bank for another 6 months.

Financial Credit Card MasterCard Reward Points

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Comments

  • soan papdi on 30/05/2025 - 16:43
    +28

    I think we're past the golden age of card churning :-(

    • bohn on 30/05/2025 - 17:12

      sad days that's for sure.
      i thought they wouldn't mind the churning since they pay F all for those points + they get the annual fee and the min. spend to get the points

      • Feeblely on 30/05/2025 - 17:32
        +2

        The points cost them money

        • bohn on 30/05/2025 - 21:56
          +2

          yes, but as I said, they pay F all for them.

        • Pufff on 31/05/2025 - 02:17

          You'd be surprised how many people fail to pay back each statement so there's money for them there. Not everyone is disciplined or random events happen.

    • Drakesy on 30/05/2025 - 17:53
      +9

      Agreed,

      I was still in uni when the $0 ANZ Black cards w/120,000 QFF points were available. They really were the golden days.

  • donman92 on 30/05/2025 - 16:50
    -8

    I called up Qantas support and they said that the lounge passes were only for Qantas flights and had to be booked far in advance. Not sure if priority pass is different and if it uses the free passes.

    • Drakesy on 30/05/2025 - 17:50
      +8

      Priority pass is very different

      • donman92 on 30/05/2025 - 17:54

        Is priority pass for non Qantas lounges?

        • Drakesy on 30/05/2025 - 17:55

          Yep,

          Priority pass has agreements with the multitude of non-airline lounge providers (there are a couple of airline affiliated lounges but they're fairly rare.)

          • donman92 on 30/05/2025 - 18:02

            @Drakesy: Ah fair enough. So I just scan my priority pass card to an approved lounge and I get two free. Sounds good.

            • Evanlet on 30/05/2025 - 23:39
              -3

              @donman92: Priority pass is a different system. Usually a crap lounge if you're travelling anywhere outside of the US. Unlimited use.

              The two complimentary passes you get are for Qantas (or Virgin Domestic, if getting the Velocity card), separate from priority pass.

              • jackspratt on 31/05/2025 - 01:46
                +1

                @Evanlet: Not crap lounges at all. Plenty of choice at both Bangkok and Singapore.

    • kiwiinsyd on 30/05/2025 - 23:24

      You can apply a Qantas lounge pass 24hrs prior to pretty much any confirmed Qantas or Jetstar flight booking. If the lounge is at capacity they coukd refuse entry i guess but I don't think that's common.

  • belmakov on 30/05/2025 - 16:50
    +5

    Internet login with them, without any active account will bring down annual 1st yr fee to$99

  • lawyerz on 30/05/2025 - 17:02

    what is excluded matters.

    Existing Westpac customers who currently hold an
    Earth Classic,
    Earth Platinum,
    Earth Platinum Plus,
    Earth Black,
    Altitude Classic,
    Altitude Platinum or
    Altitude Black credit card,
    or who have held one in the last 24 months, are not eligible for this offer

    the question is if Westpac Altitude Qantas Black = Altitude Black (this card) for the purpose of exclusion. My understand is that it is not, so even if you had the qantas version of the card, I believe you are not excluded from this card. Someone will correct me soon enough

    • deanylev on 30/05/2025 - 17:13
      +4

      It also says

      Offer not available if you’ve held an Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas or Velocity in the last 24 months.

      So sounds like you would be excluded for holding the Qantas version.

      • lawyerz on 30/05/2025 - 17:18

        missed that. thanks for correcting.

  • chaffer on 30/05/2025 - 17:15

    can i convert altitude points to velocity points? and if so, whats the conversion rate?

    • Chickenleg on 30/05/2025 - 17:18

      Coincidentally I was looking at this card this arvo and it's only 3 Altitude to 1 Velocity point, so ended up choosing the Velocity Black card for $225 ($150 annual fee as Westpac customer & $75 Velocity fee) for 90,000 Velocity points. Instant approval with digital card as well which is nice.

      • Drakesy on 30/05/2025 - 17:56
        -1

        Yeah was about to say this.

        The $300 AF is a bit rough though for only 90,000 points.

      • soan papdi on 15/06/2025 - 18:40
        +1

        OTOH it is 3 Altitude for 1 KrisFlyer (or Velocity) too, when usually 1 KF is 1.55VFF. So if looking for KF, this card is better than the Velocity one

  • soan papdi on 30/05/2025 - 17:19

    Can I simply open a transaction account to be eligible for the lower AF? Anyone tried this?
    EDIT: I am interested in the velocity card, not the one in this post

    • mbarg on 30/05/2025 - 17:46
      +2

      Yes that’s what I did for the velocity card too. Having an account also makes for easy auto payments

  • SetTheFaqUp on 30/05/2025 - 17:20
    +7

    I miss the KrisFlyer card of the old. Much more valuable than QF and VA points that hyper inflate.

    • T-man on 30/05/2025 - 18:23
      +1

      And it earned points on everything, including the ATO. When Westpac announced they were discontinuing the card, I prepaid tax almost a year in advance. The ATO should have thanked me 😆

      • Chazzozz on 31/05/2025 - 08:57
        +1

        Oh behalf of the ATO*: thank you, T-man.

        *I don’t really work for the ATO, but it sounds good.

  • radissimo on 30/05/2025 - 17:28

    is the annual 75 Qantas program fee compulsory even if you are a QFF member?

    • vetopower on 30/05/2025 - 17:45
      +2

      Yes. It's a Westpac fee, not a Qantas fee.

  • endolphin on 30/05/2025 - 18:22
    +2

    The 5.8% return on investment is pretty terrible (net $350 from $6000 spend). In fact I've never achieved worse than 8% across many many credit cards.

    Sadly, it is slim pickings these days!

    • Drakesy on 31/05/2025 - 00:37

      Yeah

      ANZ black rewards still has the best yield but I’m afraid that may be coming to an end

  • nikko016 on 30/05/2025 - 18:26

    Maybe worth mentioning, I did this card in April last year, and actually got the annual fee refunded pro rata on their live chat before cancelling the account. Not sure if they have changed their terms and conditions, but if they haven't it can make this a great card, I ended up getting around 80% of the annual fee refunded, pretty good value.

    • Grandslam on 30/05/2025 - 19:43
      +1

      Doubt this would still work.

  • kongkee on 30/05/2025 - 19:05

    This or ANZ Black?

    • soan papdi on 30/05/2025 - 20:13
      +2

      Por que no los dos?

  • dealhunter-au on 30/05/2025 - 19:25
    +3

    if you are on westpac home loan package, it will be no annual fee for all credit cards

  • Robin2012 on 30/05/2025 - 19:51

    how about existing home loan customers

    • dealhunter-au on 31/05/2025 - 03:54

      As long as you are home loan package $385 !?which is offset account

      • rarelyscene on 11/06/2025 - 10:13

        Do you still get the points?

        • bohn on 11/06/2025 - 14:03
          +2

          I was told that they do get the points and no annual fee (one card per year per loan)

          • RTY on 18/06/2025 - 09:35

            @bohn: Thanks for this, I'm getting the loan and my last westpac credit card was closed in May 2024. I hope the fee waiver also applies to future cards

  • ToniGee on 30/05/2025 - 19:59

    Wait until tomorrow and this will be a better offer. Lower credit limits for servicing, etc.

    • starburstyellow on 31/05/2025 - 02:43
      +1

      Yup, gonna do the monthly getcreditscore.com.au :)

  • punkel on 30/05/2025 - 20:37

    Have about 700,000 points on this card. What’s the best value/way to use? Looking at Krisflyer

    • soan papdi on 22/06/2025 - 11:20

      Converting to KF is best value as it is same conversion rate to VFF.

  • dynaflow on 30/05/2025 - 21:08
    +2

    After 1st.August Westpac is increasing the Mastercard annual fee from $100 to $175 and halving the Points when used for everyday spending like at Supermarkets,Aldi,patrol stations,cafes,restaurants
    et al. Enough is enough….time to go to ING methinks.

    • GS9891 on 01/06/2025 - 19:28

      Oof, 0.5 QFF points per dollar on the Qantas Black card? That's rough for a Level 1 card, wonder if other banks will follow suit.

      Though at the end of the day the earn rate is pretty irrelevant for us churners I suppose, the sign-up bonuses are the real silver tuna that we look for.

  • 1ozbargainer on 30/05/2025 - 23:15

    what are other good credit cards to churn at the moment

    • tunzafun001 on 31/05/2025 - 11:48

      Stick to the source for best value. Normally virgin money or Qantas cards.

    • frugalisgood on 01/06/2025 - 16:03

      Just got the Citi Premier card with 110K velocity points; have a look if it suits you.

  • LocalTG on 31/05/2025 - 00:25
    +1

    For ones getting the card, be aware of the reward change from 1st August….

  • inusure on 31/05/2025 - 09:32

    I have to ask this silly question about Priority Pass membership: If i am the primary cardholder, how many people can come with me to a lounge? My family is 2 adult and 2 kids under 10.
    thank you in advance.

    • jackspratt on 31/05/2025 - 16:17
      +1

      https://memberhelp.prioritypass.com/en-GB/support/our-lounge…

      With my Westpac Altitude Black, I get 2 free entries per 12 months. I can use 1 for guest, plus myself, or 2 single entries by myself. You can pay for other guests at the applicable rate for the lounge, although some lounges may have restrictions.

    • Maq on 31/05/2025 - 18:29
      +1

      It varies I guess, I have a bankwest that started with 2 passes a year, now its 10. Anyone accompanying me can go as far as I know.

      • inusure on 31/05/2025 - 20:18

        you mean 10 entries/year?
        Is it "More World Mastercard"? and is this priority pass like Westpac card?

        Thanks

  • Dlee13 on 31/05/2025 - 10:12

    I wish they had no overseas transaction fees for this card, I'd likely go for it if they did.

  • evgpek on 01/06/2025 - 16:16

    Do Sniip transactions count towards the $6,000 spend requirement for the bonus points?

  • mcnieceracing on 01/06/2025 - 16:26

    Its a good deal but personally I would pick the St George version of this card the St.George Amplify Qantas Signature credit card.

    As it has a 55 day interest free period compared with 45 days on this card. The WBC direct card is only better if your a current customer of them.

  • GS9891 on 01/06/2025 - 17:56
    +1

    Seems you're not excluded if you've held an Amplify CC with St. George/BankSA/Bank of Melb? Thought they were all overlapping in their exclusion periods but I guess not then.

    • Drakesy on 01/06/2025 - 18:17
      +1

      Yeah, Westpac isn't part of their scheme, although do share the naming conventions.

  • kizzy on 02/06/2025 - 12:58

    Any idea on how long it takes to receive bonus points? Looking to travel at the end of the year..

  • donman92 on 03/06/2025 - 12:49

    New card policy, seems like an overall nerf but I like that woolies gift cards will get a little more points:

    https://www.pointhacks.com.au/news/credit-card-changes-may-2…

    Below is a list of examples of what is included in the new everyday spend category.

    Supermarkets include stores such as Woolworths, Coles, IGA, Harris Farm and ALDI.

    Department stores include stores such as David Jones and Myer.

    Petrol stations include stores such as Shell, Ampol, Caltex and BP.

    Dining includes restaurants, cafes, fast food, bars, hotels and entertainment venues.

    Utilities include payments for water, gas, electricity, internet, mobile and streaming services (excluding BPAY® payments).

  • GS9891 on 04/06/2025 - 22:11

    Applied on Sunday night, uploaded requested payslips/rental income statements right away, and my application is still being reviewed three days later. Westpac really is the worst bank I've ever had to deal with in the past too, probably should've gone for the NAB deal…

  • engin3chas3r on 04/06/2025 - 23:27

    does anyone know how to track/view when you can reapply to another bank credit card after the exclusion period? p.s. ive lost track how many i've turned in past 6 months but dont know when i can reapply again

  • kongkee on 06/06/2025 - 14:51

    Applied online and got declined automatically after finishing the application. Is this normal? I currently hold the NAB Signature Reward Card and will be expiring this June. Can I call them maybe there was something wrong?

    • GS9891 on 07/06/2025 - 10:01

      Probably not much point, Westpac seem to hate churners more than any other bank and are very rejection happy.

      • jackspratt on 07/06/2025 - 12:54
        -3

        As my primary bank, I am happy that Westpac employs sound banking practices. 👍

        • soan papdi on 22/06/2025 - 11:31

          It's hilarious that you're thinking of your fellow card applicants as competition rather than be grumpy with the banks for their price gouging

          • jackspratt on 22/06/2025 - 13:28

            @soan papdi:

            ……. you're thinking of your fellow card applicants as competition…..

            That is a very long bow you have managed to draw there. 😲

            • soan papdi on 22/06/2025 - 13:57

              @jackspratt: Have I really?

              @GS9891 said

              Westpac seem to hate churners more than any other bank

              You replied

              I am happy that Westpac employs sound banking practices.

              You are supporting the banks over churners. How do you personally benefit when churners get knocked back? The reason churners even exist is because long term customers receive nothing in return for loyalty. Banks can fix this situation easily but they won't, because they're greedy.

              • jackspratt on 22/06/2025 - 15:18

                @soan papdi: How am I "competing" with other card applicants - I already have my cards, so have no need to compete.

                If Westpac is rejecting churners, it must be because there is a cost relating to them - otherwise they would be happy to take them all on.

                That cost must be reflected in the benefits I receive, or don't, in my overall banking with Westpac.

                • soan papdi on 22/06/2025 - 16:23
                  +1

                  @jackspratt:

                  That cost must be reflected in the benefits I receive, or don't, in my overall banking with Westpac.

                  Yes, it sure makes a tremendous difference in the billions they make in profits each year annd I’m sure they pass on savings to loyal customers like yourself. Enjoy your improved service.

  • GS9891 on 13/06/2025 - 23:16
    +3

    Finally approved after 12 days. They asked for additional docs after a week, uploaded them right away, but still another week to approve after that. Slowest bank in the country.

  • unity1 on 26/06/2025 - 06:42

    Do payments via PayPal no longer receive points?

  • rainbowunicorn on 29/06/2025 - 16:49

    I keep getting unable to be processed at this time. Do I need an active savings account with money in it?

    • GS9891 on 29/06/2025 - 22:30

      I was able to sign up to the existing customer deal with just an inactive Westpac ID with no accounts at all in it.

  • bigbadboogieman on 22/07/2025 - 08:59

    Is there a full fee waiver for premium advantage customers?

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