Westpac Altitude Black - Qantas Frequent Flyer Mastercard

If I specifically designed a bank application process to be as difficult and confusing as possible, it would look a lot like the application for this Westpac card. Applied online, uploaded my documents, Westpac helpfully confirmed my ID was verified… and then few days later asked me to verify it again online. Dutifully did so. Then Westpac asked… Read more

me to go to a branch and get the branch to verify my ID in person and ask them to call someone at Westpac to confirm that Westpac had, in fact, verified my ID. Again I complied. At the branch, the Westpac staff called one call center team at Westpac, got redirected to another, and a 30 minute wait. Told someone would call me back instead. Two hours later, I got that call… from a team who said they couldn’t actually help and that all looked ok on their end and to speak with another team. Cue another hour on hold, and a very confused conversation about verifying my ID. By this point, it felt like Westpac was deliberately trolling me. They still keep sending emails saying “Your application requires action” and to attend a branch to verify ID and ask Westpac to speak to Westpac.

I’m not concerned about the outcome, I’m just following the steps I’m being asked to take and getting given the total runaround.

DO NOT APPLY FOR THIS CARD IF AN EXISTING WESTPAC CUSTOMER! – Absolutely appalling service from Westpac & FALSE & MISLEADING ADVERTISING! When recently researching Qantas frequent flyer rewards programs (as planning a European holiday), I tossed up between two major banks. As a long term WPC customer, I decided to apply through them - that is where I made a BIG mistake. To start off with, the application… Read more

process, though advertised as quick & easy, was far from. Their system lets you get all the way through the process & then says "no, you'll have to call us". After many calls & conversations, it was determined that the Altitude Black Card was approved. As we had read all T&C's, we knew that as an existing customer, we were only eligible if we had not had one of their Altitude cards in the past 12mnths (which we hadn't). We confirmed such with the multiple staff we spoke with (we did have an old low rate mastercard that we did not use but it was not one of the listed cards that excluded us from the 90,000 bonus points). As per the T&C's, we met the minimum spend requirements & as such, upon a phone call to the dedicated Black Card team, were advised the 90,000 points should be in our Qantas F/Flyer account within days. That is where Westpac Bank have shown their true colours. By their own admission (when speaking to one of their Supervisors after 3wks of following this up), their advertising & T&C's are misleading. Whilst we did not have one of the former credit cards listed, we did have a card with them that unfortunately, we should have been advised to "close" it before the application process (despite there being nothing owing on the card & the card being inactive for a lengthy period of time). If I was Qantas, I would definitely be revisiting affiliating with Westpac - they don't look after long-term customers & their marketing is false & misleading (look out for the "Switches, upgrades or Westpac group staff are ineligible" - apparently ours was considered a "switch" despite not being listed as one of the cards that excludes you from the bonus).

Ridiculous charges - watch out! – A travel card charge $10 to supply. I purchased the card and Westpac said its a Credit card to Credit card transaction and charge me cash advance fees. I square off the bills early in the month but their statement is slower. One month I squared off expenses on the same day the statement came out. I paid $10.40 lesser. They charge me $15 for… Read more

missing payment for that month, despite having made payment earlier. on the second month they charge me $30.50 on interest on the $10.40 unpaid (again which was paid earlier).

essentially I get penalised for squaring off debt earlier than they can issue their statement. I have had many credit cards and nothing like it.

have a look at the other poor reviews on this site - steer away from it.

Total scam card! Worst customer service – This westpac card should be investigated by the relevant authorities. Altitude rewards centre customer care cannot even resolve my missing bonus points claim and send me proof why I was not given the 90,000 bonus points for $ 4000 purchase. Waited more than an hour on a call to get the terms I signed which can be tallied with my purchases I made… Read more

so that they can tell me that this purchase was not a valid one. When the customer care agent read out the terms there were no purchases I made that were not part of the eligible purchases. When asked for a written confirmation they said they cannot provide one that they are looking into this for me. I have had three other Qantas rewards cards before this from other Big 4 banks with similar purchases and never had any issues getting bonus points.

Ok Points - still no Apple Pay – Everything keeps listing this card as having Apple Pay. Westpac DO NOT support Apple Pay. This is still a major draw back for Westpac issued cards. As it is a part of my home loan package the annual fee is waived. Which is good. Show details

7 months in and no reward even though i met requirements. READ FINE PRINT!! – So after hours of Westpac pushing my calls to Qantas and vice versa for hours yesterday, today i get a response from Westpac to say that because i held a credit card within 12months prior to signing up with this new card, i am no eligible for the reward points. They say i should have read the terms and conditions. Emails to encourage your to join… Read more

to received reward points. Nothing but a Scam.. After 2 decades, it is time for me to change banks and shop for one that are at least honest. Shame on you Westpac.

Easy to accumulate and use points – Qantas lounge passes are a nice bonus. It's easy to earn and use points. Must have income of $75,000+. Should not have such a high annual fee based on this criteria. Happy with card in general. Show details

Ok overall card with perks – Card is easy to use with Tap & Go + Google Pay and Apple Pay. Currently running a promo until 15th October for 80,000 Qantas FF pts for minimum $4000 spend in first 3 months. Great because annual fee is waived for first year too! Westpac app is very easy to use and simple to check credit card statement and immediate update using app. The rewards… Read more

can used in the Qantas Store - Great for classic reward flight redemptions too. Easy and flexible to use + redeem pts. Comes with complimentary travel insurance and also 2 qantas lounge passes added to your acc which you can transfer to another QFF membership if you like. 0.75 pts per $1 spend - pretty standard for qantas rewards cards from all banks.

Application was fairly easy but they had to call me a couple of times to confirm some details. Minimum limit is $15,000 which seems quite high and can significantly impact your borrowing amount if looking for re-finance or conditional pre-approval for loan.

One of the best black credit available – It is very simple to use, Tap and Go. Pay with Apple and Android Pay. Points are easily reedabmle and ongoing promotion of 80,000 Qantas Frequent Flyer available for people who spend at least $4,000 in the first 3 months. The rewards can used in the Qantas Store and ongoing frequent flyer points. Furthermore, this has the ability to use the Priorty Pass Lounges globally for all airports. Twice free entry per year. This is an additional value!!! Show details

Can't complain – I got this card for the Qantas reward points and I received them no problems, also the lounge passes where a bonus, easy to book and use, would use again Show details

Previously great, now not! – When we first got this card the points system and rewards were a major deciding factor. It was originally packaged with an American Express card that really boosted the points earnings. Now that has been removed, unless we choose to pay more. Not happy! Will be moving banks as soon as we can. Show details