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

$99 first year annual fee
100,000 points
$15,000 min limit
$75,000 annual income required
1.25 points per dollar
Spend $6,000 in 120 days
Disclaimer: I do not receive any benefit based on you applying for the credit card. I am not suggesting the you apply for a particular credit contract with a particular credit provider, I'm just taking the online numbers and putting them here.


    Offer Expires in 2 months
    (31/07/24)
    50,000 points second year bonus, $295 ongoing annual fee
    OzBargain discussion for this card
    $75,000 minimum annual income.
    Discounted first year annual fee. $99 first year, $295 thereafter.

    I'd like to use my 107,500 bonus points for:

    $426 of profit after meeting spend requirements
    + $525 Annual Fee Rebate (Once per year) gift cards
    - $99 annual fee

    $250
    x 2
    $25
    x 1
    in Annual Fee Rebate (Once per year) gift cards, $525 total, with 2,500 points remaining.
    $200
    x 2
    $50
    x 1
    in Woolworths gift cards, $450 total, with 1,750 points remaining.
    $100
    x 3
    $50
    x 1
    in Cashback , $350 total, with 8,800 points remaining.

    History
    • 3 months ago - Good News
      Expiration changed from 30/04/24 to 31/07/24
    • 7 months ago - Bad News
      Expiration changed from 01/11/23 to 30/04/24, Bonus from 140k to 100k
    • a year ago - Bad News
      Second year annual fee increased from $250 to $295
    • a year ago - Bad News
      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.html
    • a year ago - Bad News
      Annual fee increased from $49 to $99
    • 2 years ago - Good News
      Offer extended from 30/06/22 to 31/12/22
    • 2 years ago - Bad News
      Bonus reduced from 180,000 to 140,000.
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    Craig