Credit Cards with Digital Card Issuance

Westpac Low Rate Card (Existing Customers)

Westpac points

$59 annual fee

Existing customers onlyCan I become an existing customer?

Offer

0 Westpac points

Instant digital card activation and use in the Westpac App from the moment the account is opened, before the physical card arrives.

Spend $7,000 in 210 days (~$1,000/mo)

$0 first year annual fee, $59 thereafter

Craig's Take

Easy $33/day spend to hit the bonus. $350 cashback covers the $59 fee.

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CommBank Smart Awards Credit Card (with $2,000 per month spend)

Commbank points

$0 annual fee

Offer

40,000 Commbank points

Instant digital card access available immediately after account establishment in the CommBank app, allowing spending before physical card arrival.

Spend $4,500 in 90 days (~$1,500/mo)

Craig's Take

Easy $50/day spend to hit the bonus. Average ongoing earn rate.

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Westpac Altitude Qantas Platinum

Qantas points

$175 annual fee

Offer

70,000 Qantas points

Instant Digital Card available from account opening before physical card arrives.

Spend $4,000 in 90 days (~$1,333/mo)

Craig's Take

Easy $44/day spend to hit the bonus. Average ongoing earn rate.

Est. profit $870

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Westpac Altitude Rewards Platinum (existing customers)

Westpac points

$175 annual fee

Offer

75,000 Westpac points

Instant Digital Card available from account opening before physical card arrives.

Spend $3,000 in 90 days (~$1,000/mo)

$49 first year annual fee, $175 thereafter

Craig's Take

Easy $33/day spend to hit the bonus. Average ongoing earn rate.

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Westpac Altitude Qantas Black (Reduced first year annual fee for Westpac Customers)

Qantas points

$295 annual fee

Existing customers onlyCan I become an existing customer?

Offer

90,000 Qantas points

Instant Digital Card available from account opening before physical card arrives.

Spend $6,000 in 120 days (~$1,500/mo)

$200 first year annual fee, $295 thereafter

Craig's Take

Easy $50/day spend to hit the bonus. Good ongoing earn rate.

Est. profit $1,165

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Westpac Altitude Rewards Black

Westpac points

$295 annual fee

Offer

100,000 Westpac points

Instant Digital Card available from account opening, before physical card arrives.

Spend $12,000 in 365 days (~$986/mo)

$200 first year annual fee, $295 thereafter

Craig's Take

Easy $33/day spend to hit the bonus. Average ongoing earn rate.

Read my analysis