Flight value
$281 after fees
27,000 Krisflyer points, estimated value · 75,000 Westpac points · spend $3,000 in 90 days
Available
I'd like to use my bonus for:
27,000 Krisflyer points at 1.5¢ − $124 first-year fees. Flight value is an estimate, not cash. Assumes you earn the bonus and pay in full.
These terms are currently available (site published 10 Oct 2026).
What this calculation assumes
- You make the required purchases and the bonus is paid.
- You pay the balance in full — any interest changes the outcome.
- The required spend is ordinary planned spending, not extra cost.
- Gift-card rates are the recorded redemption catalogue, rechecked at renewal.
Did this help you make a decision?
Can I get this?
This is an offer for existing customers.
Can I get this bonus if I have held a card before?
The bonus holding rule for this offer is unverified. Check the offer terms before applying.
See exclusion periods for every Australian issuer →What must I spend?
$3,000 within 90 days — about $1,000 per month. The terms on this page don't record when the clock starts or how long the bonus takes to arrive after you qualify — check the issuer terms for both.
Can I get the card?
$3,000 minimum credit limit — a lending commitment, not a reward fact.
$30,000 minimum annual income recorded.
Lending approval is separate from bonus eligibility: approval gets you the card, the conditions above get you the bonus.
How long is this available?
No recorded end date — this does not mean it never ends. Availability is rechecked against the issuer page.
What else makes the card useful?
Reward use
Ways to turn points into value.
- Points Transfer Benefits Compare across cards →Earn Altitude Points (2 per $1 international, 1.25 per $1 everyday spend, 1 per $1 all other; 0.5 per $1 after $5,000 in a statement cycle) redeemable as gift cards, products, cashback, or transferable to frequent flyer partner airlines; or earn Qantas/Velocity Points directly…
Check membership, transfer ratios, minimums, and fees before choosing gift cards or flights.
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Earn Altitude Points (2 per $1 international, 1.25 per $1 everyday spend, 1 per $1 all other; 0.5 per $1 after $5,000 in a statement cycle) redeemable as gift cards, products, cashback, or transferable to frequent flyer partner airlines; or earn Qantas/Velocity Points directly (0.75 per $1 international, 0.5 per $1 everyday, 0.35 per $1 all other) for a $75 annual Rewards Program Fee
No source recorded for this benefit.Learn more
Purchase protection
Cover on things you buy with the card. Limits, excesses, and activation conditions apply.
- Purchase Protection Insurance Compare across cards →Eligible items charged to the card account covered against loss, theft or damage for up to 4 months, up to $10,000 per item ($3,500 for jewellery, watches and new works of art); $300 excess per claim
Check the cover period, the card-payment condition, claim limits, and excess.
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Eligible items charged to the card account covered against loss, theft or damage for up to 4 months, up to $10,000 per item ($3,500 for jewellery, watches and new works of art); $300 excess per claim
- Extended Warranty Insurance Compare across cards →Extends the manufacturer's Australian warranty by an equal period up to a maximum of 2 additional years on eligible products charged to the card account (no cover where the manufacturer's warranty exceeds 5 years), up to $20,000 per product; $300 excess per claim
Check how much extra cover it adds, which warranty lengths qualify, limits, and excess.
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Extends the manufacturer's Australian warranty by an equal period up to a maximum of 2 additional years on eligible products charged to the card account (no cover where the manufacturer's warranty exceeds 5 years), up to $20,000 per product; $300 excess per claim
Travel
Travel cover and perks. Most need qualifying bookings or payment with the card.
- Seat Upgrades Compare across cards →Altitude Velocity option: 2 Economy X seat upgrade vouchers per year on selected domestic Virgin Australia flights, after providing a Velocity Frequent Flyer number and making a direct spend at Virgin Australia on the card
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Altitude Velocity option: 2 Economy X seat upgrade vouchers per year on selected domestic Virgin Australia flights, after providing a Velocity Frequent Flyer number and making a direct spend at Virgin Australia on the card
No source recorded for this benefit. - Travel Insurance Compare across cards →Complimentary international travel insurance (this card is a Level 2 Card) for trips up to 3 consecutive months, when at least $500 of prepaid travel costs are charged to the card account and a return overseas travel ticket is held before departing Australia; cover includes…
Check the cover period, the activation condition, and who counts as an insured person.
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Complimentary international travel insurance (this card is a Level 2 Card) for trips up to 3 consecutive months, when at least $500 of prepaid travel costs are charged to the card account and a return overseas travel ticket is held before departing Australia; cover includes unlimited overseas emergency medical, evacuation and repatriation, cancellation, luggage and personal liability up to $2,500,000
- Rental Vehicle Insurance Compare across cards →Rental vehicle excess cover in Australia up to the amount specified in the rental agreement or $5,500, whichever is lesser, when the rental is charged to the card account; $300 excess per claim
Check overseas rental excess separately from Australian cover, plus limits and activation for each.
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Rental vehicle excess cover in Australia up to the amount specified in the rental agreement or $5,500, whichever is lesser, when the rental is charged to the card account; $300 excess per claim
- Transit Accident Insurance Compare across cards →Overseas Transit Accident Insurance covering specified accidental death or injury sustained overseas while travelling as a passenger on a plane, bus, train or short-haul ferry when the entire trip was charged to the card account; up to $750,000 for loss of life
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Overseas Transit Accident Insurance covering specified accidental death or injury sustained overseas while travelling as a passenger on a plane, bus, train or short-haul ferry when the entire trip was charged to the card account; up to $750,000 for loss of life
Everyday savings
Discounts and cashback on spending. Activation and caps vary.
- Shopping Benefits Compare across cards →Westpac Rewards / Westpac Extras: exclusive deals, discounts and cashback when shopping with the card, accessible via the Westpac App
Check activation and purchase conditions. Amounts here don't add to the bonus calculation.
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Westpac Rewards / Westpac Extras: exclusive deals, discounts and cashback when shopping with the card, accessible via the Westpac App
No source recorded for this benefit.
Account management
Tools for running the account — repayment helpers, not reward value.
- No Additional Cardholder Fee Compare across cards →Add 1 additional cardholder aged 16 years or older at no extra cost.
Check account liability and age or redemption restrictions.
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Add 1 additional cardholder aged 16 years or older at no extra cost.
No source recorded for this benefit. - Digital Wallet Integration Compare across cards →Card can be added to Apple Pay, Samsung Pay, and Google Pay digital wallets.
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Card can be added to Apple Pay, Samsung Pay, and Google Pay digital wallets.
No source recorded for this benefit. - Buy Now Pay Later Compare across cards →PartPay feature: split purchases over $100 into 4 payments over 6 weeks
Check applicable charges and eligibility.
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PartPay feature: split purchases over $100 into 4 payments over 6 weeks
No source recorded for this benefit. - Digital Card Issuance Compare across cards →Digital card with Dynamic CVC; the 3-digit security number changes every 24 hours for added fraud protection
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Digital card with Dynamic CVC; the 3-digit security number changes every 24 hours for added fraud protection
No source recorded for this benefit. - Online Banking Features Compare across cards →Manage the credit card in the Westpac App with budgeting, saving and account-management features
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Manage the credit card in the Westpac App with budgeting, saving and account-management features
No source recorded for this benefit. - Interest Free Periods Compare across cards →Up to 45 interest-free days on purchases when the closing balance is paid in full by the payment due date
Interest-free terms change often — confirm the current days with the issuer before applying. This recorded term may be out of date.
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Up to 45 interest-free days on purchases when the closing balance is paid in full by the payment due date
No source recorded for this benefit.
Should I keep it after the first year?
Renewal costs $250 each year ($175 annual fee + $75 program fee) — first year was $124.
Second year pays 25,000 Westpac points if you still hold the card into year two. The recorded terms don't detail the exact second spend hurdle — check the issuer terms before counting on it.
Ongoing earn: 2.00x Westpac points per $1.
Keeping pays off only if you meet the second-year conditions and use the points and benefits enough to cover $250/yr.
Year-two points aren't dollar-valued here: the redemption catalogue may change before renewal, so recheck the rate then.
Terms and evidence
Full current terms
Offer terms
First Year Points
75,000 points
Westpac
Second Year Points
25,000 points
With $175 annual fee
Minimum Spend
$3,000
within 90 days (about 3 months)
Ongoing Earn Rate
2.00x points per $1 spent
Fees
First Year Annual Fee
$49
Ongoing Annual Fee
$175
From year 2 onwards
Program Fee
$75
Additional fee for reward program participation
Purchase Interest Rate
23.98% p.a.
The value above assumes you pay in full and never pay this. Any interest changes the outcome.
Note: Additional fees may apply for cash advances, foreign transactions, overlimits, and late payments. Check the issuer's terms and conditions for complete fee details.
Benefit history (8 changes)
- Travel InsuranceUpdated May 2026
- Interest Free PeriodsUpdated May 2026
- Digital Card IssuanceUpdated May 2026
- Buy Now Pay LaterUpdated May 2026
- Transit Accident InsuranceUpdated May 2026
- Purchase Protection InsuranceUpdated May 2026
- Extended Warranty InsuranceUpdated May 2026
- Rental Vehicle InsuranceUpdated May 2026
Offer terms history
These are published versions of this offer's terms. Each version preserves the conditions available at that time.
Published 10 Oct 2026
Changes from terms version 7
Changes from terms version 6
Changes from terms version 5
Changes from terms version 4
No recorded term changes from the previous version.
No recorded term changes from the previous version.
Changes from terms version 1
First recorded terms
Captures behind the selected terms record — evidence for these terms, not a complete history of the named offer.
Discussion
About the current terms (published 10 Oct 2026).
Community and personal tools
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