Credit Card Offers Westpac Altitude Black offers: 120,000 Qantas or Velocity Points (expires 30/4/25)

[opusman]

They're not the stasi but they're also not a court of law, they don't need to prove anything beyond reasonable doubt, they just need to suspect you're in breach of the T&Cs. If Fred Bloggs has 6 lounge passes rock up in his account from 6 different people QF are going to easily be able to track where those passes came from.

Personally I wouldn't want to risk it for $50.

 

[RoMambai]

They're not the stasi but they're also not a court of law, they don't need to prove anything beyond reasonable doubt, they just need to suspect you're in breach of the T&Cs. If Fred Bloggs has 6 lounge passes rock up in his account from 6 different people QF are going to easily be able to track where those passes came from.

Personally I wouldn't want to risk it for $50.

I accept your threshold for risk is lower than mine. For me, your scenario would suggest that Fred Bloggs is a popular chap, with many generous friends who are all participating in a scheme where transfers of passes is legitimate. I can envisage no scenario in such a case where Qantas would play judge and jury and unilaterally penalise customers without evidence. I prefer not to jump at shadows and given the number of sales on gumtree and ozbargain, neither do thousands of others.

 

[opusman]

I can envisage no scenario in such a case where Qantas would play judge and jury and unilaterally penalise customers without evidence.

Here's a ready example where they did just that: Qantas Account: Notice of suspension

QF have been trying to stop the trade in lounge passes for years. There's a reason they switched to an all-digital system and it's not because printing the little cardboard cards was so expensive. Think about it.

 

[RoMambai]

Here's a ready example where they did just that: Qantas Account: Notice of suspension

QF have been trying to stop the trade in lounge passes for years. There's a reason they switched to an all-digital system and it's not because printing the little cardboard cards was so expensive. Think about it.

The situation in the link was different and suggested a number of irregularities (I only skimmed the first post). For the AFF member with spare passes and who are looking to offload their loot as a once off (or potentially annually), I think exagerating the low risk is misleading. The odds are hugely in their favour and by unnecessarily linking this action to those of serial abusers is not accurate. Qantas has a million better things to do than play nanny state.

Most reasonable folk take calculated risks every day of their lives and no doubt a decision to sell passes would be one of them. Carpe diem.

 

[exceladdict]

For anyone that hasn't already added a supplementary cardholder to their Amex: You can get 3,000 bonus points for adding your first supplementary cardholder over the phone. Call Amex on the number on the back of your card and ask for it.

 

[lovetravellingoz]

For anyone that hasn't already added a supplementary cardholder to their Amex: You can get 3,000 bonus points for adding your first supplementary cardholder over the phone. Call Amex on the number on the back of your card and ask for it.

Slight correction there. It is 3000 to add one new supplementary cardholder to your Amex. So you will still earn if you already have a supp holder/s already.

This applies for all Amex's this August. Added myself to my wife's new Westpac Amex the day she received the card.

 

[michaelangelo]

I've had the Visa/Amex combo for a week now, and held an existing Amex issued Amex. My online account for the Westpac Amex seems to think I can get the bonus points...

View attachment 132568

Confirming I have now received the bonus points. Hit the minimum spend last week and they appeared a few days later. Shame Westpac can't sort out their share as efficiently...

 

[Demonoid]

Slight correction there. It is 3000 to add one new supplementary cardholder to your Amex. So you will still earn if you already have a supp holder/s already.

This applies for all Amex's this August. Added myself to my wife's new Westpac Amex the day she received the card.

Yes I was also offered this as well and took it up - bonus points appeared within days. Not very well publicised (if at all), but worth the quick phone call for the 3,000 points

 

[Demonoid]

Confirming I have now received the bonus points. Hit the minimum spend last week and they appeared a few days later. Shame Westpac can't sort out their share as efficiently...

Yep, my 40,000 points have appeared on my amex online - should come across to Qantas once the first statement is generated. That is Lightning quick by AMEX. Westpac are a shambles.

 

[GSP]

Slight correction there. It is 3000 to add one new supplementary cardholder to your Amex. So you will still earn if you already have a supp holder/s already.

This applies for all Amex's this August. Added myself to my wife's new Westpac Amex the day she received the card.

Nice pick up - just rang up AMEX and 3000 points coming my way, although I was one of those that jumped at the 75k/15k deal before the 80k/40k deal became free for the first year.

 

[Demonoid]

Yep, my 40,000 points have appeared on my amex online - should come across to Qantas once the first statement is generated. That is Lightning quick by AMEX. Westpac are a shambles.

Looks like I spoke a touch too soon in my praise for AMEX.
Even though the 40k bonus points came through and visible on Amex online account, 2 days later when the statement was generated, only the regular points haul, plus the 3k bonus for the supplementary card came through. Oh well, at least they appear on AMEX - expect they'll come through next month.

 

[opusman]

Interesting, my points (40K + ~5K others) came through to QF within a few weeks of activating the card, I haven't even had the first statement yet.

 

[SteveLL]

not happy. got declined by westpac. this is my 3rd application for the last 6 and 12 months. last 2 were approved by anz and nab (both cards have been cancelled). working full time and got decent income too............credit score is above 600

 

[RoMambai]

not happy. got declined by westpac. this is my 3rd application for the last 6 and 12 months. last 2 were approved by anz and nab (both cards have been cancelled). working full time and got decent income too............credit score is above 600

It's one of life's great unknowns. I'm in a worse situation to you so I may hold fire for the minute noting your rejection. This will be my 5th card this year and my credit score is under 600.

 

[rock86]

Ah, I'm torn at whether to apply for this combo or look at a single card.

 

[Pcoder]

Does anyone know if tax office spend is OK for the minimum spend?

 

[Saltywings]

Does anyone know if tax office spend is OK for the minimum spend?

You're willing to pay the 1.45% ATO CC surcharge and earn only 0.5QFF per dollar just to meet minimum spend? Surely there are better ways...

...unless you meant via a payment processor like RewardPay, in which case sure go for gold. It'll count.

 

[Pcoder]

You're willing to pay the near-3% ATO CC surcharge and earn only 0.5QFF per dollar just to meet minimum spend? Surely there are better ways...

...unless you meant via a payment processor like RewardPay, in which case sure go for gold. It'll count.

Yeah you do pay the fee, but at least you can claim the fee as a tax deduction next year.

I was just thinking that earning on the mastercard might be easy but spend 6000 in 90 might be a bit more difficult and paying a tax bill might be an easy option to reach the spend. Has anyone some of the spend on a tax bill?

 

[piratematerial]

Yeah you do pay the fee, but at least you can claim the fee as a tax deduction next year.

I was just thinking that earning on the mastercard might be easy but spend 6000 in 90 might be a bit more difficult and paying a tax bill might be an easy option to reach the spend. Has anyone some of the spend on a tax bill?

ATO fee is only 0.52% on the Mastercard, it's not too bad if you're struggling to manufacture spend for a large points bonus otherwise. I haven't tried it myself but there's nothing in the T&Cs that would prevent it from going towards min spend.

 

[Saltywings]

Yeah you do pay the fee, but at least you can claim the fee as a tax deduction next year.

I was just thinking that earning on the mastercard might be easy but spend 6000 in 90 might be a bit more difficult and paying a tax bill might be an easy option to reach the spend. Has anyone some of the spend on a tax bill?

I agree in principle, but that is still pretty steep. And besides, if your rationale in paying 2.9CPP is that you can claim the GST off of it, you may as well still go with my suggestion of using a payment service provider. RewardPay or B2BPay will only charge you 2.4%+GST (so effectively 2.4% or 1.76CPP), and you get to earn full at the full rate (i.e. 1.5QFF). Otherwise, you may as well go down the WW/Coles path, when they run a prepaid Visa GC promo and stock up (as is furiously happening right now in the WW GCs thread).

ATO fee is only 0.52% on the Mastercard, it's not too bad if you're struggling to manufacture spend for a large points bonus otherwise. I haven't tried it myself but there's nothing in the T&Cs that would prevent it from going towards min spend.

The paired MC does not earn at the ATO, only the Amex card does. If you want to meet your MC minimum spend, you can use a service like EasyBillPay (which works like RP/B2BP but specifically for Visa/MCs) which charges 0.8% (but with full points earn).

BTW, corrected a mistake in my earlier post - it's 1.45% for direct Amex spend at ATO (I was thinking of foreign CCs). My bad. It does balance things out a bit more in your favour, but the economics of going through a third party processor still stands (2.9CPP direct vs 1.76CPP routed).