Point Hacks Credit Card Guide

Up to 120,000 bonus Qantas or Altitude Points with the Westpac Altitude Black credit card bundle

Westpac Altitude Black - up to 120,000 Qantas or Altitude Rewards Points

Westpac's Altitude Black Mastercard and American Express has up to 120,000 bonus Qantas or Altitude Points on offer for new cardholders. There are many ongoing card benefits, including American Express, Qantas or Priority Pass lounge invites and World Mastercard benefits.

  • 80,000 Qantas or Altitude Rewards Points with the Mastercard
  • 40,000 Qantas or Altitude Rewards Points with the American Express
  • 2 x lounge passes to Sydney or Melbourne Airport American Express lounge for cardholders of the Westpac Altitude Black American Express
  • 0.75 Qantas or 1.25 Altitude Points for every $1 spent with the Mastercard
  • 2 Qantas or 5 Altitude Points for every $1 spent overseas, 1.25 Qantas or 3 Altitude Points for every $1 spent locally with the American Express
  • 2 x Qantas Club or Priority Pass invitations per cardholder year
  • Access to World MasterCard benefits and Amex Invites
  • Overseas Travel Insurance, Purchase Protection and other insurances(PDS)
  • Annual fee: $250 p.a. for the Mastercard plus $50 annual Qantas Rewards fee if you choose to earn Qantas Points, $199 for the Amex
  • $5,000 minimum spend and charged to the Mastercard within the first 90 days is required to earn 80,000 bonus points
  • $3,000 minimum spend and charged to the American Express card within the first 90 days required to earn 40,000 bonus points
  • Existing Westpac customers who currently hold an Altitude Platinum Visa Card or Altitude Black Mastercard, or who have held one in the last 12 months, are not eligible for the Mastercard bonus offer.
  • Offer ends: 11 June 2018

Find out more or apply →

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Westpac have relaunched the American Express companion card that comes with the Altitude Black account, with this card now issued directly by American Express—and they are offering up to a total of 120,000 bonus Qantas or Altitude Points for new cardholders of the two-card bundle until 11 June.

The Westpac Altitude Black card is aimed at those who want a decent Qantas Point earn rate, are happy to pay the larger annual fee and will get value from some of the additional benefits.

The current offer of up to 120,000 bonus Qantas or Altitude Points is split into two, with 80,000 points coming from the Altitude Black Mastercard after a minimum spend of $5,000, and an additional 40,000 points from the American Express card that also requires a separate minimum spend of $3,000, with both targets within the first 90 days of approval. So, in short, you need to be able to spend $8,000 in total within the first three months or so to get all the bonus points.

How you could use the bonus points from this card

All redemption figures shown are examples only and exclude accompanying taxes and fees. Points redemption price data is provided by a third-party, so inaccuracies may be present. Please check with the airline directly for a complete and accurate total redemption cost.

How the new bundled American Express cards from Westpac work

This is a bit technical, but American Express are now issuing cards for Westpac directly, instead of being issued by Westpac (as previously used to be the case). You can read more about bank issued vs American Express issued cards here.

What does this mean? You essentially have two credit card accounts, one from each provider, which are linked for the purpose of earning points. You can also only apply for the American Express Westpac Altitude cards at the same time of making an application for Westpac’s own card (in one application) or if you’re an existing Westpac credit card cardholder you may be eligible to apply for just the American Express Westpac Altitude card.

Do you have to have both cards? No but you must have the Mastercard. If you would like the Amex for an additional fee, than you can add that on, i.e. you cannot have the Amex without the Mastercard but you can have the Mastercard without the Amex.

When it comes to earning points, you’ll earn your points from each card into either your Qantas Frequent Flyer account or your Westpac Altitude Rewards account, depending on which rewards program you choose to enrol in. We understand that points from either card will be credited to your rewards account separately.

With the card issued by American Express, you’ll use their online card services such as a dedicated website and the American Express app. Customer service is also handled by American Express.

For existing American Express cardholders for other cards issued by Amex, such as the American Express Explorer or Qantas Ultimate American Express, the Westpac card is not considered for bonus points eligibility purposes—we have been informed by Westpac that holding an American Express-issued card would not preclude you earning the bonus points on the American Express Westpac card.

Finally, because the two cards are issued by two separate credit providers, it is likely that both will check your credit record.

The terms and conditions for earning points from the American Express Westpac Altitude Black Card are here, while a number of terms documents for the Westpac Altitude Black Mastercard and associate rewards program and insurance policies can be linked to from Westpac’s page, after clicking through from the link above.

Points earn rates from Westpac Altitude Black

Points from both Altitude Black cards can be earned as either Altitude Rewards (partners include frequent flyer programs like Singapore Airlines KrisFlyer, Virgin Australia Velocity, Cathay Pacific Asia Miles, Malaysia Airlines Enrich and Air New Zealand Airpoints) or Altitude Qantas to Qantas Frequent Flyer program for an additional $50 annual Qantas Rewards fee.

Card Details

CardWestpac Altitude Black
Loyalty programQantas Frequent Flyer or Westpac Altitude Rewards
Points earned from spend on the Mastercard0.75 Qantas Points or 1.25 Altitude Points per $
Points earned from spend on the American Express2 Qantas or 5 Altitude Points per $ spent in foreign currency
1.25 Qantas or 3 Altitude Points per $ on domestic spend
0.5 Qantas or 1 Altitude Point per $ on government spend
Travel benefitsPer year:
2 x American Express Airport Lounge at Sydney and Melbourne with the Amex card
2 x Qantas Club Pass or Priority Pass invitations
with the Mastercard
Included insurancesExtended Warranty & International Travel Insurance (PDS)
Points capuncapped
Overseas transaction fee3.0% of the converted amount
Minimum incomeFor Westpac: $75,000 p.a. (recommended)

For Amex: $65,000 p.a.
Mastercard annual fee$250 p.a. + ($50 annual Qantas Rewards fee if you choose to earn Qantas Points)
American Express annual fee$199 p.a.

Effective Frequent Flyer Program Point Earn Rates

Frequent Flyer ProgramMasterCardAmerican Express Companion card
DomesticForeign currency/interntional
Qantas Points*0.75 points / $1.25 points / $2 points / $
Velocity Points0.625 points / $1.5 points / $2.5 points / $
Singapore Airlines KrisFlyer Miles0.5 mile / $1.2 miles / $2 miles / $
Cathay Pacific Asia Miles0.5 mile / $1.2 miles / $2 miles / $
*Qantas Points are only earned if linked to Altitude Qantas Rewards

Airport lounge access benefits

If you opt for the Altitude Rewards Black, you’ll receive airport lounge access with Priority Pass membership and two included lounge visits per year, which are now valid at an increasing number of airports in Australia. Additional visits are charged at a $27 USD fee.

If you opt for Altitude Qantas Black, you’ll be sent two single-entry Qantas Club invitations which can be used at any Qantas Club (domestic) or Qantas International Business Class lounge. The passes are sent after your first Altitude Black Card spend on selected Qantas products and services, defined as Qantas flights or Qantas Frequent Flyer or Qantas Club joining and membership fees.

Note: You must first register and then make the applicable card spend directly with Qantas to receive the lounge passes.

Westpac Altitude Black Qantas Club Pass

It is a useful lounge access benefit for those who don’t travel in Business Class often.

As part of the benefits that come with the new American Express Altitude Black card, you also get access to the Sydney or the newly-opened Melbourne American Express Lounge twice per year.

Included insurances and other benefits

The Westpac Altitude Black comes with travel and extended warranty insurance coverage. As I say with every credit card guide, the value of each card’s insurance can only really be assessed by you looking at the PDS and deciding whether it is a fit for your needs. Read the full PDS here for the Westpac Altitude Black here and for the American Express Westpac Altitude Black card here.

This guide references some of the benefits of insurance policies provided with this card.

You should read the PDS and obtain independent professional advice before obtaining this product.

You’ll also gain access to Westpac Concierge and their Black Concierge app, which could give some useful restaurant or ticket reservation shortcuts, amongst other potential uses.

Altitude Qantas vs Altitude Rewards

The Altitude Card range offers a choice of which points program you want to direct your points into: either Qantas Frequent Flyer or Westpac’s own loyalty program Altitude Rewards.

Note that there is an annual $50 Qantas Rewards fee on the Westpac Altitude Black Mastercard if you have selected to earn Qantas Points (rather than Altitude Rewards).

When choosing Altitude Qantas Black over Altitude Rewards Black, you’ll also need to factor in the different earn rates of each currency and transfer rates to partner programs. Our full guide to Altitude Rewards offers more detail about the program’s benefits.

In short, points can be transferred into Velocity and Malaysia Airlines Enrich at a rate of 2 Altitude Rewards points to 1 frequent flyer program point/mile and 2.5 Altitude Rewards points to 1 mile for Cathay Pacific Asia Miles and Singapore Airlines KrisFlyer.

The choice between Altitude Qantas or Altitude Rewards is dependent on your personal points-earning preference.

You might find the sign-up bonus from the card to be more valuable to take as Qantas Points but then using the card ongoing, there may be more value for you in taking advantage of Altitude Rewards’ flexibility from having a wide range of transfer options.

Summing up: the Westpac Altitude Black and Westpac Altitude Qantas Black credit cards

This is the kind of card that you need to take a critical look over the ongoing benefits and sign-up bonus to assess whether the annual fee is worth it for you, especially with the launch of the new American Express companion card, which could make earning points and paying your credit card bill a little more complex.

That said, the points earn rates from spend are fairly competitive, and the lounge benefits are also fairly good with both cards.

Most infrequent travellers may be able to get some use out of the lounge access and other World Mastercard as well as American Express benefits, particularly if you educate yourself on how to make the most of them.

Up to 120,000 bonus Qantas or Altitude Points with the Westpac Altitude Black credit card bundle was last modified: May 7th, 2018 by Keith

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Comments Expand Comments

  1. Sandy

    Hi Keith,

    I recently got my Westpac Altitude Black MasterCard in April. Just a few days after I received the MasterCard, this American Express issued Westpac Altitude Black Card bundle offer comes up in their website.

    Do you know how I can apply just the Amex Westpac Altitude Black Card alone? I called Westpac and Amex a few times. Westpac said that I can’t apply for the Amex card alone at the moment and I need to contact Amex directly to see if they can do something about it. And Amex said I need to contact Westpac. So they are pushing the issue back and forth.

    When I signed up the MasterCard, I have the 80,000 bonus points offer. I really want to apply for the Amex card so that I don’t miss out on the additional 40,000 bonus points offer too.

    • I’m sorry—I don’t have the answer to that question. That is really up to Westpac. As the applications are handled by them, they should decide. If they don’t know how, then it is probably not possible. You might consider getting a different American Express card.

  2. Hi Keith
    I received the Amex Altitude Black card with 40000 bonus points and no annual fee through a promo in March. My Westpac Black Mastercard will expire in April and I no longer want to keep that card, do you know if I can retain the Amex card without the Westpac affiliation. I have noticed my Amex points automatically transfer to my Altitude rewards account each month.I am getting conflicting reports from Westpac.

  3. Martin

    Hi Keith,

    New to the lounge thing.. Would a spend in the Qantas store i.e. paying via points&cash qualifes as an eligible spend in order to get the two free Qantas lounge invites?


    • I would check that with Westpac and/or Qantas. In the card’s PDS, it states:

      Selected Qantas products and services are the following items purchased directly from Qantas: Qantas passenger flights (with a QF flight number), Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar, Qantas Holidays, Qantas branded non-airfare products and any Qantas products and services not purchased directly from Qantas.

      Not sure if the flights have to be with cash only or points and cash.

  4. Ben

    Just a word of caution. My partner signed up for the previous iteration of this offer which ended on 26th October. Despite our evidence to the contrary, Westpac refused to accept that we used the correct channel to sign up. Only by writing to senior executives did we manage to get the 20,000 sign up points as a “goodwill gesture”. Now they have failed to credit the remaining 80,000 Qantas points, so they’re in breach of their own terms and conditions. Their customer service is so appalling that you should not consider this offer unless you’re ready for a lot of hassle…

    • Agreed, their bonus points processing is painfully slow. Staff are not properly trained and will give you different answers depending on who you speak to.

      Expect a wait of up to 6 months for your sign up points to post

  5. Hi Keith,
    I submitted my application on the 25/10 but was not approved until the 2/11 do I qualify for the first year fee waived and the bonus 100,00 points?


  6. JC

    The T&Cs state that you have to register your card, then spend on Qantas flights or Club before you can claim the lounge passes. Does that mean that I have to register “Every Year” prior booking Qantas flights in order to get the lounge passes?

    • I’m pretty sure you don’t have to register again as your preference for Qantas Points over Altitude Rewards will carry over from the previous year, meaning you just have to make the eligible purchase of Qantas products to trigger the lounge invitations each year. You may want to give Westpac a quick call to confirm this though.

  7. Kalyan Nagelli

    Did anyone get the bonus 20K Qantas points on card approval ? I got the card approval on Sep 13th and have been using the card quite often but still no signs of the bonus points on approval.

    • The terms and conditions on the application page state:

      The bonus points will be credited to your points balance as follows: 20,000 points within 8 weeks of card approval and 80,000 points within 12 weeks after the eligible spend criteria being met. Spend criteria is a minimum amount of $5,000 on eligible purchases within 90 days from card approval. Eligible purchases do not include fees, cash, cash equivalent transactions, BPAY, refunds and balance transfers debited from the card account.

  8. Adrian

    Does anyone know whether currently having an Altitude BUSINESS Platinum card exclude you from the bonus points? Do they differentiate between their personal and business cards for their eligibility criteria for bonus points?

    • The terms and conditions on the application page state:

      Existing Westpac customers who currently hold an Altitude Black or Altitude Platinum credit card, or who have held one in the last 12 months are not eligible for this offer.

      I would guess that you would be ineligible, as it doesn’t mention that exclusively personal cardholders are excluded, but it is always worth checking with the bank.

  9. Andrew Leach

    I’m a current Westpac Qantas Black Mastercard/Amex holder.
    Am I still eligible for the Westpac Altitude Black for the 100,000 bonus offer?
    Or as an existing Westpac customer I’m excluded?

    • It seems that you are ineligible for the bonus points. From the terms and conditions on the application page:

      Existing Westpac customers who currently hold an Altitude Black or Altitude Platinum credit card, or who have held one in the last 12 months are not eligible for this offer.

    • As you’ve paid for the annual fee, then you might consider keeping the card for at least the first year and then re-assessing. This card has a good ongoing spend rate on the Amex.

  10. James

    Question on PP membership and Amex lounge membership –

    Amex – 2 visits per year. Can I use two in one go, so I can bring my wife?

    PP membership – same as above question. Also, can I use PP membership as food credit in restaurants? i.e. $36 pp – do you think i can use this to eat in one of the airport restaurants with my wife and get back $72 in total.

    Would it be possible to accept 100,000 qantas points and convert to Altitude rewards to get PP

    • Really great questions!

      1. With this card, each entry to the Amex Lounge or Priority Pass lounge only permits the cardholder, no guests – they are charged extra

      2. I’m not completely sure on if you opt for Qantas Black and receive the 100k Qantas Points if you can then change to Altitude Rewards to get the Priority Pass passes instead. I would barter that if you get the bonus Qantas Points but don’t spend on ‘selected Qantas products and services’ to trigger the Qantas lounge invitations that you can then switch to Altitude Rewards to trigger the Priority Pass invitations, which would be great but I would recommend you call Westpac to confirm.

  11. Scotty G

    I got this card earlier in the year when it was the 100k bonus with $5k min spend in 3 months and the points dropping in 2 lots of 50k points.

    The first 50k points came through no problem. The 2nd lot of 50k points did not come through despite my meeting the minimum spend.

    6 months after they should have come through I contacted the bank and explained the situation. They said they would look in to the situation.

    The points came through 1 week later.

    Good card to have with pretty good Qantas point earning potential.

  12. Woodyren

    I called card services today to get clarification on the 12 month exclusion for bonus points with this card. The consultant at first read the T&C’s directly from the Westpac site which states a 12 month exclusion for both Black and Platinum previous card holders. I then directed them to this site and clicked through to the T&C’s which only mention the Platinum card for the 12 month exclusion period. They confirmed that I am eligible for the BP’s despite having a Black card only about 8 months ago and noted the fact on my profile. Well done Keith. Enjoy whatever commission you get by those who use your link.

  13. Nicholas

    Hi Keith, it’s my experience and colleagues’ in the office too that Westpac seems to be very tough on approvals, is that your understanding too? No-one in the office has been able to get a Westpac card but other banks seems to be fine. Thanks

  14. Woodyren


    I have clicked through from your link and applied for an Altitude Black. Interestingly in the T&C’s on you link it states that “Bonus points offer not available to those that hold or have held an ALTITUDE PLATINUM card in the last 12 months”.

    I have had a black card which I cancelled late last year but not a platinum so I have applied despite being within my 12 month bonus point exclusion period. I called and enquired today and the phone consultant said that they are unable to see all links but as long as I comply with the conditions of the link I used I should be OK for the points.


    • I would go off what the Westpac phone consultant said! It seems that you have not held an Altitude Platinum card (and haven’t at any time during the past 12 months), so based on that, you should be eligible for the bonus points.

  15. Alex

    Hi Keith,

    Is the recommended minimum income requirement of $75,000 p.a pre-tax or post tax?

    Many thanks and keep up the good work!

    • Hi Alex,

      Westpac did not specifically indicate this on the card’s page, although when you click through to the application form, you will be asked to input income “after tax”.
      It would be best to give Westpac a call to confirm this though before applying.

  16. Has anyone signed up to this recently and had issues with the annual fee and / or points bonus? I’ve been charged the full fee and have rang a couple of times and get differing reasons every time. One person told me it’s because “I signed up via Qantas” (I’m quite sure I didn’t, I possibly may have signed up via a referral link from here, but thats it), someone else told me it’s a known issue and I’d get a credit back (2 weeks and counting with nothing). Not holding my breath getting my 80,000 points without a fight.

    • Dom

      Hi Paul, I came on here today looking to see if others have had the same problem as I have been charged the full annual fee too. I’m going to call them today, let you know how I go.

    • Peter Howard

      Yes! I didn’t get my full bonus, I was just given 50,000 which is Westpac’s standard bonus when you sign up via their site. I argued that I’d most certainly signed up via Point Hacks for the larger bonus and that I’d never been to the Westpac site unless it was a re-direct from Point Hacks, yet I was declined. Not a happy bunny, but short of having someone video record you making the application what can be done?

    • Being a supplementary cardholder does not preclude you from being able to get bonus points because, technically, you are a new customer (the primary cardholder is the one who is responsible for the original card’s expenses).

  17. Naz

    Hi Keith, just wanted to drop a line to say love your work and also the others on this website. I check this website almost daily for any tips on points.

    I got a trip to Germany planned for November so I’ve decided that I’m going to try to do the SPG Gold and Marriot Gold match with this Westpac World Mastercard. Figured Id apply using the pointhacks link as a Thank you. Just got approved few hours ago.

    Enjoy the pint/cup of coffee on me.

  18. Hi,

    Regarding the two complimentary Priority Pass airport lounge passes per year, unfortunately they can only be used by the primary cardholder, they’re not per cardholder.

  19. Steven

    Awesome Keith…

    Loving your articles and the in-depth details is certainly invaluable in the complexity of options available.

    Want to take advantage of this offer, but I currently have Altitude Platinum CC’s with Westpac currently. I know that the clause has been removed, but does this mean that I can take advantage of this offer whilst still retaining my Platinum CC’s? Or would I need to cancel them first?


  20. @PerthFlyer

    Cheers Keith

    Would rather get the card using your referral but I space my cc sign-ups 3 months apart and feb 28th is 1 month too early and don’t want the credit score to take a dive! If I did have to go the Qantas route, would I then be able to revert to Altitude Rewards after meeting minimum spend and getting the Qantas signup points?


  21. @PerthFlyer

    Hey Keith

    Looking at the ‘cards and banking’ section of the Qantas site this offer looks like it has been extended to 31 March 2017. Can you confirm this please?


    • Keith Author

      It looks like the variant of the offer Qantas is promoting is very similar to this one, but does have a different end date. I’ll see if I can get ours extended, thanks for letting me know 🙂

  22. Ken

    Hi Keith,
    I cancelled my Westpac black cards in December 2016. According to what you have written, I should be able to apply for the card (since 12 months exclusion clause have been removed) and get the 100k bonus points?

  23. Michael Vikatos

    Hi Keith

    I received the below email from Uber, do you know if it is available with the above current offer?

    Hi Michael,

    Get every second Uber ride free (up to $20) when you get a new Westpac Altitude credit card. Use your Westpac Altitude credit card to pay for your Uber rides and every second ride will be covered until 30 September 2017.

    More rides, more affordable.

    Apply online or on mobile by
    31 March 2017.


  24. George

    Hey Keith, I’m an existing Altitude Black CC holder which feeds into my Velocity (Virgin) FF and a good customer of Westpac. I’d like to take advantage of this offer and beef up my Qantas points – I fly both carriers.
    I gave Westpac a call this morning and was declined because of my existing card – so it seems their relaxed conditions aren’t extended to current Black Card members. What gives with this? Have I been given incorrect information?
    I’m otherwise ready to close my Westpac CC and move to another banks bonus offer.

    • Keith Author

      Hey George – I believe that would be the case. I don’t think Westpac could / would issue you two of the same cards to the same person – it’s a ‘new accounts only’ offer. If you were going from Platinum to Black though, it would be a new account so the bonus would apply.

  25. beau

    Hi Keith, just applied it via PH link. It only mentions Altitude black qantas world master card is approved, not amex mentioned anywhere… Dual card no longer available?

  26. Andy

    Hi Keith,

    I had a quick question regarding this sign-up offer. Been a long-time reader of your time 🙂 Anyways, I signed up for the Westpac Black card last year through your link – currently, I have only received 50k bonus points. A Westpac adviser indicated that 50k points will be transferred 12 weeks from spending $2,500, and the second allocation of 50k points will be transferred 12 weeks after spending $5,000. Can you confirm if this is what should be happening in terms of the bonus points transfer? Thanks again, and keep up the good work!


    • Keith Author

      Hey Andy – the offer terms do state that the bonus points will drop in two lots of 50,000 points. In practice we are only just starting to see how this is happening in reality with folks meeting the min spend criteria now – and it seems that while some people are getting the full 100k, most are getting them split.

      This is the first I’d heard of the $2,500 = 50k and then again for the next $2,500, but that could well make sense.

      If you have any problems with the bonus crediting after meeting the full minimum spend and waiting periods, let us know.

  27. Sam

    Hi Keith.

    Love the site and your help throughout this thread.

    Just a quick question that may help others too;
    Fine print outlines the criteria of $5000 spend in 90 days for the 100,000 bonus points as;

    “Eligible purchases do not include fees, cash, cash equivalent transactions, BPAY, refunds and balance transfers debited from the card account”

    Does this mean upcoming ATO payments through the ATO website are eligible?

    TIA for the help!

  28. Wei

    Hi Keith,

    Is this offer still valid? I click and apply through the link but after completing the form it’s telling me,

    We are sorry

    We seem to be experiencing problems. Please try later again
    The credit card application form is currently unavailable. We apologise for any inconvenience caused.

    Looks like the offer is ending on the 5th of Jan 17, really don’t want to miss out on the deal 🙁

  29. Stephen

    Hi Keith

    You mentioned above saying if you hold some westpac cards it will be excluded ? Do you know which cards ? There’s no terms suggesting if you are a current card holder you can’t apply for another one to get he points ?

    • Keith Author

      There were terms to this effect when the offer originally launched – current Westpac Black and Platinum cardholders were excluded, as well as holders of the same from the last 12 months. That term was removed.

  30. George

    Hi Keith,

    One of the conditions is that you “pay the $395 annual fee”. I actually have a home loan with Westpac and subscribe to their Premier Advantage Package (costing me $395 per year). The package allows me to obtain this credit card at no additional cost (i.e. the annual fee is waived). What’s your take as to whether I’m still eligible for the 100,000 bonus points? Thanks.

  31. Jeremy

    Wondering if there’s more details on what’s considered “Switches, upgrades” (as per the T&Cs)? I’ve got a really old Westpac credit card sitting around, would this preclude me?



    • Keith Author

      As far as I know if you’re an existing cardholder you’re eligible for the bonus, as long as you don’t request to switch your existing product or upgrade it as part of applying for Altitude Black under this offer. But do double check with Westpac on this.

  32. Hi Keith,
    I called Westpac to see if they could tell me if the Westpac Altitude Platinum Visa I cancelled in Feb 2016 would disqualify me from this promotion. They were unable to tell me. Can you point me to which cards you refer to when you mention the relaxing of the T&C’s?

    • Keith Author

      The terms previously stated: Existing Westpac customers who currently hold an Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months, are not eligible for this offer.
      That is now no longer present, along with the 5,000 applicant limit being removed.

  33. Caitlin

    Hi there,

    I’ve just applied and activated my Westpac card, but I can’t seem to find any details on receiving the 100,000 qantas points. The westpac website is also saying it’s 50,000 points. How do I go about confirming the point allocation and proving I applied via the points hack offer? Thanks

    • Keith Author

      Hey Caitlin – have you had any success yet? Westpac should know about the offer if you call and reference “Amex1” as the offer code, and if you applied after clicking through with the 100,000 Qantas Point offer.

  34. Paul

    Hi Keith,

    I just got the Westpac Altitude Rewards basic CC which has a 50k points offer. Will I also be eligible for the Westpac Altitude Black 100k offer if I apply for this card as well?

    The terms state:
    “The bonus points promotion is available to customers who apply and are approved for a new Westpac Altitude Black card between 17 October 2016 and 5 January 2017, pay the $395 annual fee and spend the minimum amount of $5000 on eligible purchases within 90 days from card approval on one or more transactions”

    This sounds like if you don’t have a Altitude Black you can apply and be eligible?


  35. Phil

    Hi Keith. I have signed up to the AMEX Explorer (thanks for the guide), and looking at Westpac Altitude Black for my partner so she too can take on the sign up bonus with 100,000 Qantas points.
    Assuming we like to travel on the same flights, do you see problems with us using two different rewards programs when booking travel? I see the Gateway program has access to Emirates, and Qantas also partner with Emirates which might be our only option (apart from using Amplify rewards which devalue but give more options)
    Fairly new to this…Am I on the right track here??

    • Keith Author

      Assuming we like to travel on the same flights, do you see problems with us using two different rewards programs when booking travel?

      Not usually. You’ll need to earn enough points individually in each program to be able to book independently but can then link the bookings once they’ve been made. It depends how specifically you want to redeem your points. If you’d like to get more specific, do ask a Question over here and we’ll help you out some more.

  36. Oliver

    What if I am an additional (supplemetary) cardholder of an existing Altitude Black card? Am I not eligible to apply for my own card? What if I cancel as an supplementary cardholder and apply on my own?

    • Keith Author

      Generally supplementary cards are tied to the account-holder (in terms of responsibility for transactions and balances). They don’t usually make a different to applications for cards in your own name.

  37. Steve

    Hi Keith,

    so since you work with Westpac how about the inside word on what is happening with Krysflyer redemptions. I note this change in redemption points has not actually occurred and now the page which notifies of the change has also disappeared.

    Surely this is a bit misleading for new customers as the only way to find the redemption rate is to actually try it and currently its still at the old (1.5) rate. For new customers how are they being “notified” of a change if Westpac has removed the page that provides that notification?

    • Keith Author

      I have nothing on this unfortunately – I wish I did, as a cardholder too. I don’t understand why this change hasn’t been rolled out yet, or why it was pulled in the first place. I didn’t realise the page that articulated the changes had also disappeared too, that’s news to me.

      PH + Westpac work together through their agency, so like most other banks, I only generally get updates and comms on offer details – like this offer. IMO a transfer rate change like that to KF and AM is a core product change and part of the offer, but this is generally handled by different parts of these very big organisations.

      I will keep digging to see what I can find out though.

  38. Berin

    Do you know who is offering this deal? It isn’t mentioned on the main Westpac site, so I called Westpac and after speaking to several of their departments (new card applications… card services… altitude rewards… even Qantas themselves, before finally being transferred back to new card applications), they told me that they didn’t know about the offer and concluded that it must be being made by a third party.

    I’ve just applied and been approved, but I’d love to have the 100,000 points confirmed before activating the card and starting to use it.

    • Keith Author

      Point Hacks works with Westpac and their advertising agency. Occasionally Westpac (like other banks) run different offers in different marketing channels – e.g. one offer showing on Qantas.com, another through publisher advertising partners (like us), and in-store. In this case we have a semi-exclusive offer going with Westpac via their agency, which is only available through Point Hacks and other similar advertising partners. Hope that helps clarify it a little.

    • Keith Author

      We are working with Westpac to ensure they tell us before the 5,000 applicant quota is up, and will do our best to update and remove this offer before that happens.

  39. JY

    Hi Keith,

    Do you know if the 100,000 point promotion is eligible for the ‘special Westpac customer offer’ which states : ” Special Offer for Existing Westpac Customers
    $0 annual fee in the first year when you apply via the Westpac customers ‘Apply now’ button.”?

    Or is that special $0 offer only availible for the 50,000 qantas point offer?

    • Keith Author

      The 100,000 point offer isn’t available in conjunction with any other offer according to the offer page, so no, pretty sure you can’t double up there.

  40. “If you opt for the Altitude Rewards Black, you’ll receive airport lounge access with Priority Pass membership and two included lounge visits per year”

    You do not need to pick Altitude Rewards Black to sign up for free Priority Pass membership. I picked Altitude Qantas Black and have just received my free Priority Pass membership, just follow the link on the Altitude Black page.

    • B

      Thanks for the tips! I got this card for more than a year and didn’t know until I read your comment! It would have been great if I knew during my Christmas trip…I was in the airport for 5 hours!

  41. Keith Author

    As far as I know, all Qantas lounge passes are created equally, and the terms on them state they are valid for Domestic Qantas Club and International Business Lounge access. That might be where the confusion lies – they are not valid for Domestic Business Lounges, just Qantas Clubs.

  42. Jamie

    Does anyone have any experience as to what will trigger the qantas lounge passes ?

    Would booking and award flight with points and paying the taxes with your black card qualify ?

      • James A

        So I tried this last week, booking an award flight and paying the taxes, and the lounge passes showed up yesterday 😀 I did of course register my card on the website beforehand, and actually paid with the linked Amex.

  43. James A

    Note that the T&Cs state that you have to register your card, then spend on Qantas flights or Club before you can claim the lounge passes.

  44. Michael Kao

    Another unique feature about Altitude Reward, is that the point earn is credited as soon as the transaction is through, rather than at the end of the statement period. This means that you will get the points within 48-72 hours. This is very useful if you need to book an award quickly and just a few hundred miles short, you can quickly pay some outstanding bills and you have your points in 2 days.

Links to this article

  1. Need to make a minimum spend on a credit card for some bonus points? Here are some ideas - Point Hacks
  2. Guide to Priority Pass with Australian credit cards - Point Hacks
  3. How to activate the ‘World’ MasterCard Starwood Gold Status benefit
  4. How car rental excess works on Australian car rentals
  5. American Express Sydney Lounge review & the eligible cards

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