100,000 qantas or altitude points bonus with new westpac black card

[lovetravellingoz]

My page Altitude Black | Westpac Credit Cards might be different from yours...

But what I read rather than New Customers is :

New cards only.

​

And:

1. Special promotion: Get 100,000 bonus Qantas or Altitude Points. The bonus points promotion is available to customers who apply and are approved for a new Westpac Altitude Black card between 17 October 2016 and 28 February 2017, pay the $395 annual fee and spend the minimum amount of $5000 on eligible purchases within 90 days from card approval on one or more transactions. Eligible purchases do not include fees, cash, cash equivalent transactions, BPAY, refunds and balance transfers debited from the card account. In order to be eligible, the account must be open and not in arrears at the time of crediting points. The bonus points depend on your choice of Rewards Program. The bonus Qantas or Altitude Points will be credited to your points balance in two increments - 50,000 and then 50,000 - within 60 days after the eligible spend criteria being met. Switches, upgrades, customers accessing employee benefits or packages are ineligible. This promotion is not available in conjunction with any other offer.


So that would seem to mean:
- that as long as you do not already have the Black that you are good to go.
- that if you have a package (ie from loans) that you will possibly not gain the points

 

[fairbasa]

Thanks lovetravellingoz. You are correct, I misread "New Cards" for "New Customers".

I'm going to wait until Jan 10 and if my Veda score improves I will give this a whirl.

 

[Dr Ralph]

How is it usually defined (just to help)?

A person who does not currently have an account of the same type they are applying for.

 

[lovetravellingoz]

A person who does not currently have an account of the same type they are applying for.

While I think that award bonii are typically gained that way, I don't think that would the definition for a new customer.

 

[BettyB]

While I think that award bonii are typically gained that way, I do't think that would the definition for a new customer.

I think that you'll find Dr Ralph is correct.

I asked one time when I had a card with Westpac. They had a new offer, but I had a card with them. They said I wasn't eligible for the current offer as I was an existing customer. I asked what if I cancelled my current account and then reapplied. They said that as long as the previous account had been closed that I would be a new customer.

 

[lovetravellingoz]

I think that you'll find Dr Ralph is correct.

I asked one time when I had a card with Westpac. They had a new offer, but I had a card with them. They said I wasn't eligible for the current offer as I was an existing customer. I asked what if I cancelled my current account and then reapplied. They said that as long as the previous account had been closed that I would be a new customer.

Perhaps, but I think the CSR you spoke to was actually incorrect (not in how to get the bonii, but in their use of the term customer) and that if you had of read the applicable T&C that it would have referred to not having been a cardmember, or currently having that card, or switching from another card etc.

The times I have seen reference to "customer" it was say specific to not having been a customer at all with the bank before. ie no bank accounts at all, and not just a credit card account. Or the reverse such as the recent 50,000 free reward points if you were a Westpac Customer, but not a cardholder. New customers were excluded.

Personally for new card bonii this is one of the first things I check in the T&C. Sometimes of course, as with Amex they do not actually always enforce the T&C. Sometimes they will adhere pretty rigidly to it. ie ANZ. What the CSR says I place low value on, though sometimes one can get CSRs to do what they are not meant to as they simply are not aware of all promos and all T&C. Whereas what the T&C states I have often used to get Amex and the banks to make good on points not awarded.

 

[lovetravellingoz]

ie

Existing Westpac customers who currently hold an Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months, are not eligible for this offer. The bonus Altitude Points or Qantas Points will be credited to your points balance within 12 weeks after the eligible spend criteria being met.

 

[Dr Ralph]

ie

Existing Westpac customers who currently hold an Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months, are not eligible for this offer. The bonus Altitude Points or Qantas Points will be credited to your points balance within 12 weeks after the eligible spend criteria being met.

This is VERY different to an existing customer term and specifically relates to exclusion periods.

I believe that you are confusing two different contractual terms, perhaps because of a lack of understanding of contracts. That is:

1) Which generally refers to existing customers. Eg. 'Offer not available to existing customers'

&

2) Which refers to an exclusion period for people who have held the same type of card. These people may have already cancelled this card. Which is the example you have provided in post # 167.

I'd also remind you that there are no such things as terms and conditions ('T&C' as you refer to them in post # 166) as I have explained previously. Every contract is governed by its 'terms'. These 'terms' can be classified into conditions, warranties or intermediate terms depending upon their importance. But they are never classified into terms and conditions. At least not by people who have any understanding of contracts and the way that they are drafted and operate in practice. It's usually people that lack a good understanding of contract law that don't appreciate this point.

 

[lovetravellingoz]

This is VERY different to an existing customer term and specifically relates to exclusion periods.

I believe that you are confusing two different contractual terms. That is:

1) Which generally refers to 'existing customers. Eg. 'Offer not available to existing customers'

&

2) Which refers to an exclusion period for people who have held the same type of card. Which is the example you have provided in post # 167.

There have been similar with no exclusion periods though. Non-customers were excluded.

 

[Dr Ralph]

There have been similar with no exclusion periods though. Non-customers were excluded.

Look forward to seeing an example of this type of term.

 

[lovetravellingoz]

Look forward to seeing an example of this type of term.

Perhaps you can post examples of T&C referring just to "customer" in the manner that you have defined the term?

 

[lovetravellingoz]

Look forward to seeing an example of this type of term.

[h=5]Special offers[/h][h=5]

• 50,000 bonus rewards points when you spend $2500 within 90 days from card approval. New cards only. Exclusions apply
• 1.00% p.a. on purchases for up to 1 year from card approval
• Plus, 0% p.a. for 16 months on balance transfers requested at card application. Calculate how much you could save

After the promotional period, the balance transfer and purchase rate switch to the applicable standard variable purchase rate. See ‘Rates’.

[/h][h=5]Special Offer for Existing Westpac Customers[/h][h=5]

• $0 annual fee in the first year when you apply via the Westpac customers 'Apply now’ button.

All special offers are for new cards only and are valid until 30th January 2017. See ‘Things you should know’ below.
[/h]https://www.westpac.com.au/personal-banking/credit-cards/reward/altitude-platinum/


You will note that for existing Westpac Customers that there is an additional benefit of having the fee waived.
There was also a special button for existing customers to push.

 

[lovetravellingoz]

I'd also remind you that there are no such things as terms and conditions ('T&C' as you refer to them in post # 166) as I have explained previously. Every contract is governed by its 'terms'. These 'terms' can be classified into conditions, warranties or intermediate terms depending upon their importance. But they are never classified into terms and conditions. At least not by people who have any understanding of contracts and the way that they are drafted and operate in practice. It's usually people that lack a good understanding of contract law that don't appreciate this point.

Thanks for adding NEW material after I had already replied.

However by referring to T&C I am referring to the general use of this term by the Banks/Amex etc and which they virtually always have highlighted with hyperlinks etc on webpages and under this heading in any material they send out.

I would believe that by referring readers of AFF to the T&C that they will know the section that I mean and where to find it.

 

[yld200]

Got my points on this months statement, although it was only 99,700 points. Had a few refunds in the last month that might have affected the bonus payment even thought I had spent over 5K even with the refunds. Not going to waste my time following up on 300 points.

Tick and flick time!

 

[bjm76]

Is the view that this card is worth keeping past banking the bonus points? The earn rate on the Amex is quite good, plus the 0.75 points per $ for ATO payments will come in handy for some people on this forum.
Or is the annual fee of $395 too expensive for the benefits offered? Interested to hear thoughts.

 

[JohnK]

Is this offer now 50,000 Qantas points? The link at the beginning of this thread refers to 100,000 Qantas points but when searching Westpac website the link is for 50,000 Qantas points.

Also an existing Westpac customer with low rate Visa credit card. Still earn points from this deal but no fee in first year?

 

[fairbasa]

Is this offer now 50,000 Qantas points? The link at the beginning of this thread refers to 100,000 Qantas points but when searching Westpac website the link is for 50,000 Qantas points.

Also an existing Westpac customer with low rate Visa credit card. Still earn points from this deal but no fee in first year?

This 100k offer has always been a referral only offer from PointHacks, therefore it wouldn't be listed on the public website. There is no waived annual fee for this offer.

A separate offer available on the public website provides 50k points with a waived annual fee for the first year for existing Westpact customers.

 

[lovetravellingoz]

This 100k offer has always been a referral only offer from PointHacks, .

Though not just from that site.

ie Also see for example HERE

or from the Qantas site , see HERE Apply by 31 March 2017.(Other links expire 28 Feb)

 

[JohnK]

This 100k offer has always been a referral only offer from PointHacks, therefore it wouldn't be listed on the public website. There is no waived annual fee for this offer.

A separate offer available on the public website provides 50k points with a waived annual fee for the first year for existing Westpact customers.

Thanks.

So the equation comes down to "Would you pay $395 for 50,000 QFF points?". If I treat wife and daughter to a business class award on QF128 ex-HKG then the $395 would be worth it. I'd just need to subsidise the 20,000 QFF points.

Which leads to next dilemma. How to time departure from HKG to strike an A380? But that's for another thread.

 

[fairbasa]

Thanks.

So the equation comes down to "Would you pay $395 for 50,000 QFF points?". If I treat wife and daughter to a business class award on QF128 ex-HKG then the $395 would be worth it. I'd just need to subsidise the 20,000 QFF points.

Which leads to next dilemma. How to time departure from HKG to strike an A380? But that's for another thread.

On face value yes you'd say you're paying $395 for 50k extra points which is only mediocre value. However, I am considering doing it because I take the same Veda hit whether I make 50k or 100k, so I may as well get the 100k.