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.

  • Low annual fee
  • Mid-range spend requirements to earn bonus

Offer Expires in 5 months
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

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

  • a month ago - Bad News
    Expiration changed from 01/11/23 to 30/04/24, Bonus from 140k to 100k
  • 5 months ago - Bad News
    Second year annual fee increased from $250 to $295
  • 6 months 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
  • a year 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.

Hey all! Hope you are enjoying the site.

If something out of date or I've missed a card, let me know on instagram or facebook and I'll get it updated ASAP.

You can also check out my other sites for half price groceries on amazon and finding qantas business reward flights