Flight value
$841 after fees
71,320 Qantas points, estimated value · 70,000 Qantas points · spend $4,000 in 90 days
Available
I'd like to use my bonus for:
to in (0 points)
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71,320 Qantas points at 1.6¢ − $300 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 2 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 a public offer.
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?
$4,000 within 90 days — about $1,333 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 →Qantas Points earned are credited directly to the cardholder's Qantas Frequent Flyer account on a monthly basis
Check membership, transfer ratios, minimums, and fees before choosing gift cards or flights.
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Qantas Points earned are credited directly to the cardholder's Qantas Frequent Flyer account on a monthly basis
No source recorded for this benefit.
Purchase protection
Cover on things you buy with the card. Limits, excesses, and activation conditions apply.
- Purchase Protection Insurance Compare across cards →Covers eligible items against theft, accidental damage or permanent loss for up to 4 months from purchase; up to $10,000 per item ($3,500 for jewellery, watches and new works of art), $135,000 max in any 12-month period; $300 excess
Check the cover period, the card-payment condition, claim limits, and excess.
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Covers eligible items against theft, accidental damage or permanent loss for up to 4 months from purchase; up to $10,000 per item ($3,500 for jewellery, watches and new works of art), $135,000 max in any 12-month period; $300 excess
- Extended Warranty Insurance Compare across cards →Extends the manufacturer's Australian warranty by up to 2 years on eligible products (no cover where warranty exceeds 5 years); up to $20,000 per product and per card account in any 12-month period; $300 excess
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 up to 2 years on eligible products (no cover where warranty exceeds 5 years); up to $20,000 per product and per card account in any 12-month period; $300 excess
Travel
Travel cover and perks. Most need qualifying bookings or payment with the card.
- Travel Insurance Compare across cards →Complimentary International Travel Insurance for trips up to 3 consecutive months (Level 2 Card); eligible after charging at least $500 prepaid travel costs to the card and holding a return overseas ticket; also includes Interstate Flight Inconvenience and Rental Vehicle Excess…
Check the cover period, the activation condition, and who counts as an insured person.
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Complimentary International Travel Insurance for trips up to 3 consecutive months (Level 2 Card); eligible after charging at least $500 prepaid travel costs to the card and holding a return overseas ticket; also includes Interstate Flight Inconvenience and Rental Vehicle Excess in Australia cover; eligibility confirmation at checkyourcover.com.au/westpac
- Rental Vehicle Insurance Compare across cards →Rental Vehicle Excess in Australia cover up to the excess in the rental agreement or $5,500, whichever is lesser; $300 excess
Check overseas rental excess separately from Australian cover, plus limits and activation for each.
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Rental Vehicle Excess in Australia cover up to the excess in the rental agreement or $5,500, whichever is lesser; $300 excess
- Transit Accident Insurance Compare across cards →Overseas Transit Accident Insurance for accidental death or injury while a passenger on a plane, bus, train or short-haul ferry overseas when the trip was charged to the card; up to $750,000 for loss of life, $1,300,000 aggregate per event
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Overseas Transit Accident Insurance for accidental death or injury while a passenger on a plane, bus, train or short-haul ferry overseas when the trip was charged to the card; up to $750,000 for loss of life, $1,300,000 aggregate per event
Everyday savings
Discounts and cashback on spending. Activation and caps vary.
- Shopping Benefits Compare across cards →Personalised cashback offers via Westpac Extras, bonus cashback shopping via the Westpac Lounge on ShopBack, plus other in-store and online discounts
Check activation and purchase conditions. Amounts here don't add to the bonus calculation.
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Personalised cashback offers via Westpac Extras, bonus cashback shopping via the Westpac Lounge on ShopBack, plus other in-store and online discounts
No source recorded for this benefit.
Account management
Tools for running the account — repayment helpers, not reward value.
- Status Credits Compare across cards →Earns Qantas Points to a Qantas Frequent Flyer account: 0.75 pts/$1 international spend, 0.5 pts/$1 everyday spend, 0.35 pts/$1 all other purchases, dropping to 0.2 pts/$1 after $5,000 spend in a statement cycle; $75 annual Rewards Program fee applies
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Earns Qantas Points to a Qantas Frequent Flyer account: 0.75 pts/$1 international spend, 0.5 pts/$1 everyday spend, 0.35 pts/$1 all other purchases, dropping to 0.2 pts/$1 after $5,000 spend in a statement cycle; $75 annual Rewards Program fee applies
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 due date; cash advances are not covered
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 due date; cash advances are not covered
No source recorded for this benefit. - Buy Now Pay Later Compare across cards →PartPay feature splits eligible purchases into 4 payments over 6 weeks; turn on to start using
Check applicable charges and eligibility.
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PartPay feature splits eligible purchases into 4 payments over 6 weeks; turn on to start using
No source recorded for this benefit. - Installment Plans Compare across cards →SmartPlan lets eligible purchases be repaid as a fixed instalment plan
Check applicable charges and eligibility — a repayment plan, not reward value.
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SmartPlan lets eligible purchases be repaid as a fixed instalment plan
No source recorded for this benefit. - Balance Transfer Offers Compare across cards →Balance transfers available on the card account
Check the rate, period, revert rate, and fees.
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Balance transfers available on the card account
No source recorded for this benefit. - No Additional Cardholder Fee Compare across cards →Add one additional cardholder aged 16 or over at no extra cost
Check account liability and age or redemption restrictions.
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Add one additional cardholder aged 16 or over at no extra cost
No source recorded for this benefit. - Digital Wallet Integration Compare across cards →Supports Apple Pay, Samsung Pay and Google Pay
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Supports Apple Pay, Samsung Pay and Google Pay
No source recorded for this benefit. - Digital Card Issuance Compare across cards →Instant Digital Card available to use from the moment the account is opened, before the physical card arrives
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Instant Digital Card available to use from the moment the account is opened, before the physical card arrives
No source recorded for this benefit. - Online Banking Features Compare across cards →Westpac App tools include cash flow and spend Categories insights, Cards Hub (order/lock card, change PIN), Quick Balance, Card Autopay and SMS payment reminders
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Westpac App tools include cash flow and spend Categories insights, Cards Hub (order/lock card, change PIN), Quick Balance, Card Autopay and SMS payment reminders
No source recorded for this benefit.
Should I keep it after the first year?
Renewal costs $300 each year ($175 annual fee + $125 program fee) — first year was $300.
Second year pays 30,000 Qantas 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: 0.33x Qantas points per $1.
Keeping pays off only if you meet the second-year conditions and use the points and benefits enough to cover $300/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
70,000 points
Qantas
Second Year Points
30,000 points
With $175 annual fee
Minimum Spend
$4,000
within 90 days (about 3 months)
Ongoing Earn Rate
0.33x points per $1 spent
Fees
First Year Annual Fee
$175
Ongoing Annual Fee
$175
From year 2 onwards
Program Fee
$125
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 (10 changes)
- Travel InsuranceUpdated May 2026
- Interest Free PeriodsUpdated May 2026
- Buy Now Pay LaterUpdated May 2026
- Digital Card IssuanceUpdated May 2026
- Digital Wallet IntegrationUpdated May 2026
- No Additional Cardholder FeeUpdated May 2026
- Transit Accident InsuranceUpdated May 2026
- Extended Warranty InsuranceUpdated May 2026
- Purchase Protection 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 2 Oct 2026
Changes from terms version 10
Changes from terms version 9
Changes from terms version 8
No recorded term changes from the previous version.
No recorded term changes from the previous version.
Changes from terms version 5
Changes from terms version 4
Changes from terms version 3
Changes from terms version 2
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.
Archived notes
Earlier notes about this offer, kept as an archive — not current terms. Note dates are separate from terms publication dates.
- Expiration changed from 27/02/24 to 31/07/24, Bonus from 70K to 60K3 years ago
- Expiration changed from 30/04/24 to 27/02/243 years ago
- Expiration changed from 01/11/23 to 30/04/243 years ago
- Annual fee increased from $50 to $1243 years ago
- Annual fee increased from $99 to $1743 years ago
- Offer end date changed to 14th June 2023 due to fee changes https://www.westpac.com.au/content/public/wbc/en/personal-banking/credit-cards/reward/reward-card-changes.html3 years ago
- Offer extended to 29th June 20234 years ago
- Bonus reduced from 75k to 70k, offer ends 31/12/224 years ago
- Offer extend from 24/02/22 to 30/06/225 years ago
Discussion
About the current terms (published 2 Oct 2026).
Community and personal tools
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