Long time reader first time poster. My girlfriend received an email from Uber today with a link to this deal.

The terms say "customers must be invited and apply via the promotional landing page", but it's a generic application page, so new customers should be fine. Shame I am already a Westpac customer!

From the application page:
Every 4th Uber ride on us. Take up our special Uber offer(up to $20 value), until 30 September 2017 when you pay using your linked Westpac Debit MasterCard. Maximum total value of $300 of free rides to be claimed in the offer period. Open on mobile or online by 31 March 2017.

Terms: To be eligible for this offer, customers must be invited and apply via the promotional landing page, open a new Westpac Choice account and register their new linked Westpac Debit MasterCard as their payment option on their Uber account. Westpac will cover up to $20 for every 4th Uber ride paid for using the new Westpac Debit MasterCard card until 30th September 2017 ("Offer Period"). Maximum of $300 in rides per customer during the Offer Period. You will be notified in the Uber app when the promotion has been activated on your Uber account. Valid for Uber rides in Australia only. Excludes uberTAXI. If ride cost exceeds $20, the remaining balance will be charged to your Westpac Debit MasterCard. Offer may be withdrawn or extended at any time. Not available to existing Westpac Debit MasterCard holders. The promotion will end at the end of the Offer Period or when the maximum of $300 in free rides has been taken by the eligible customer. To apply for a Westpac Debit MasterCard, you must have an Australian residential address and be at least 18 years old. Read the Westpac Debit MasterCard Terms and Conditions provided above before deciding whether the account is appropriate for you.

Found this deal today, if you are an existing member at westpac you will get the annual fee waived (in the first year) for the credit card and get 50,000 points when you spend $2500 in 90 days. i just signed up to an online esaver account then applied for the card as i was not an existing customer.

edit: for new customers open the Reward Saver account to avoid monthly fees.

Westpac announced a new fixed rate 3.88%, that is available for both owner-occupiers and investors, paying principal and interest. This is under their Premier Package, and it comes with no upfront fees, and a $395 annual fee. As rates may change between application and settlement, its worth considering paying the rate-lock fee of 0.1%.

Rate reverts to a higher rate when the two years run out, but the bank or brokers should be able to give you a better deal than the rack rates.

While a fair few deals have been in the market for fixed rates, most target owner-occupiers and borrowers with higher deposit. This particular offer is available for people who have greater than 80% LVR (but you may have to pay LMI), and available for investors. Definitely a good deal for a risk-adversed investor who wants to lock in a low rate for the next two years

Mod: OP works for Rate City. AFSL & ACL 316710

http://www.ratecity.com.au/home-loans/westpac/premier-advant...
http://www.ratecity.com.au/home-loans/westpac/premier-advant...

Westpac is still offering co-branded Amex cards, though I don't know how long they'll stick around. Note also that you can take the signup bonus as Qantas points and then switch to altitude rewards (see item 2).

Platinum min spend: $3000 in 90 days.
Black min spend: $5000 in 90 days.

Platinum annual fee: $150.
Black annual fee: $195 in the first year (then $395).

Platinum earns: 2p/$ on Amex, 1p/$ on Visa (Altitude option); 1p/$ on Amex, 0.5p/$ on Visa (Qantas option).
Black earns: 3p/$ on Amex, 1.25p/$ on MC (Altitude option); 1.5p/$ on Amex, 0.625p/$ on MC (Qantas option).

Altitude points convert 2:1 into Velocity, 2.5:1 into Asia Miles and KrisFlyer.

Exclusions:

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 is met.

Don't know if it's targeted or if it's even a good price.

"Register your Westpac card in Samsung Pay and make one payment to receive a Gear S3 for $359.90(RRP $589.99) from Samsung Online Store."

Cashback promotion:
The cashback offer is available when you apply for a new Low Rate, 55 Day or 55 Day Platinum credit card between 29th June 2017 and 26th October 2017 and spend $400 on eligible purchases within 90 days from card approval.

Eligible purchases do not include fees, cash, cash equivalent transactions, BPAY, refunds and balance transfers debited from the card account.

Only one cashback will be paid per customer. $200 cashback will be paid as a statement credit to your respective Low Rate, 55 Day or 55 Day Platinum credit card account within 60 days of meeting minimum spend criteria.

Existing Westpac customers who currently hold a Low Rate, 55 Day or 55 Day Platinum credit card, or who have held one in the last 12 months and packaged cards are not eligible for this offer. Cannot be used in conjunction with the Balance Transfer promotion.

55 Day Credit Card
Annual Fee: $0 (Thanks Ascorbic, OldBugger, and Peck)
Rates: Purchases 19.84% p.a. (variable), Cash advances 21.29% p.a. (variable)

55 Day Platinum credit card
Annual Fee: $0 annual card fee for all customers for the first year and in subsequent years if minimum spend criteria are met.*
Rates: Purchases 19.84% p.a. (variable), Cash advances 21.29% p.a. (variable)

Low Rate Credit Card
Annual Fee: Annual card fee of $59
Rates: Purchases 13.49% p.a. (variable), Cash advances 21.49% p.a. (variable)

A bit of work, but thought I would share anyway, more useful if you actually want to use Mathspace Plus.

My understanding is,
1. open a Westpac Choice account for the studen who will use Mathspace Plus.
2. subscribe to Mathspace Plus for $10 per week. there maybe a free trial period.
3. link the two accounts
4. successfully complete weekly maths task to get $10 reimbursed
5. All new Choice customers will get a $20 reward from Westpac
6. repeat step 4 still you receive the $20 reward and can cancel the subscription.

T&C
*The $10 reward for successful completion of weekly maths tasks is not available during a user’s free trial period.
**Offer available to customers who open an individual Westpac Choice account and who have not held an individual Choice account in the last 12 months prior to account opening. Customers must link their eligible Westpac Choice account to their Mathspace Plus account within 31 days of opening the bank account. Customers’ identity must first be verified by the bank to receive this offer.

Westpac Altitude rewards is offering cashback with 30% reduction in points required.
Cardholders will need to log in to their account and navigate to rewards redemption page.
It doesn't appear to be targeted offer (I have not received any email regarding the promotion). Says the offer is for limited time.
Please see the attached PDF for terms and conditions and the redemption points.
Thanks.

It is time to for me to ditch the ANZ ($75,000- no 1st annual fee deal) for the next 12 months. This deal which started yesterday shows up on Qantas and I am considering it:

I think you must apply through the Qantas site.

The bonus points promotion is available when you apply for a new Westpac Altitude Black card between 4 September and 26 October 2017, choose Altitude Qantas as your rewards program on the card. The bonus Qantas Points will be credited to your points balances as follows: 20,000 point within 8 weeks of card approval and 80,000 points within 12 weeks after the eligible spend criteria being met. Spend criteria is a minimum amount of $5,000 on eligible purchases within 90 days from card approval. 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. You must be a member of the Qantas Frequent Flyer program to earn Qantas Points. The bonus points depend on your choice of Rewards Program. Switches, upgrades and existing packaged cards are ineligible. This promotion is not available in conjunction with any other promotion. 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.

MOD: Previous link.

Multiple banks are now dropping ATM fees in order to match Commbank. This now makes a total of 4 Banks who have dropped fees. Stay tuned on this thread for updates.

http://www.news.com.au/finance/money/budgeting/bank-customer...

http://www.abc.net.au/news/2017-09-24/commonwealth-bank-and-...

MOD: This post merges all other banks' responses to CommBank's announcement of removing ATM withdrawal fee.

Westpac credit cards recent cash back offers include -

Get $100 cashback when you spend $750 or more at HP online. Select from a wide range of laptops, tablets, desktops printers and accessories, you can reinvent how you work, how you play and how you live with HP technology.Expiry 15/11

Get $5 cashback when you spend $5 or more in-store at The Foodary at Caltex Concord. Fill up the tank and then take a break with your choice of Sumo Salad, barista coffee and a delicious range of hot food, salads and sandwiches. We're open 24 hours so you can get what you need REAL. FRESH. FAST. Expiry 21/11

These cashback benefits are on top of any in-store sales, discounts, loyalty benefits and credit card reward points you may receive.

Cashback benefits are personal to you and are not transferable. To be eligible for the cashback, the qualifying transaction must be made by you or your additional cardholder on a card that is connected to your Westpac credit card account.

Note - It may be targeted as Westpac's website clearly states - If you qualify for these personalised offers, expect to see them in your email inbox soon.
Unlike AMEX these offers don't need to be saved on your card. If you have received an email from Westpac, it would mean you are already enrolled.
If not then worth calling them and checking.

Free for a limited time as per the website - shipping says 5 business days. Looks like a great product if you are a Westpac Customer and don’t always carry your phone/wallet with you all the time! :)

If I read it correctly, the "Advantage Package special offer discount" would take 0.5% off, making a 2-year fixed nvestment property loan (principle + interest) at 3.89%. This is the first time I see one same bank offering investment property loan so close to an owner occupied home loan at the same conditions (3.79%).

Westpac's Altitude Black card has 100,000 bonus Qantas or Altitude points plus $145 off the 1st year annual fee. There are many ongoing card benefits, including Qantas or Priority Pass lounge invites and World Mastercard benefits.

100,000 Qantas Points or Altitude Rewards points when you spend $5,000 within the first 90 days from card approval
$145 off the first year annual fee, making it $250 (usually $395)
0.625 Qantas Points or 1.25 Altitude Points for every $1 spent on the MasterCard
2 x Qantas Club or Priority Pass invitations per cardholder year
Access to World MasterCard benefits
Overseas Travel Insurance, Purchase Protection and other insurances(PDS)
$250 annual fee for the first year (usually $395 p.a.)
$5,000 minimum spend in 90 days required to earn 100,000 bonus points
Bonus points offer not available with switches, upgrades, customers accessing employee benefits or packages.
Offer ends: 31st January 2018

Source:Pointshack.com.au

Got this email offer for Westpac Altitude Black Credit Card

Get $50 cashback when you spend $250 or more and book direct at Hilton. You'll need to complete your stay before the offer end date. Offer is available for Australian hotels only.

Things you should know:

Spend $250 or more on your credit card in 1 transaction at hotels & resorts within the Hilton Portfolio in Australia to get $50 cashback on your card. 1 cashback per customer. Offer cannot be refunded exchanged transferred or redeemed for cash or credit.

Don't forget the current sale - https://www.ozbargain.com.au/node/358178

Under 21s signup: https://www.westpac.com.au/personal-banking/bank-accounts/tr...
Newly arrived people signup: https://www.westpac.com.au/personal-banking/bank-accounts/mo...
International student signup: https://www.westpac.com.au/personal-banking/bank-accounts/tr...

$0 monthly service fee for these select groups.

Local tertiary students, international students, and newly arrived people must verify their identity (or student status) at a branch to enable withdrawals and attain $0 account service fees.

T&Cs:

*$50 Offer: Fees and charges apply. Read the terms and conditions before making a decision and consider whether the product is appropriate for you. Excludes customers who have held a Choice account with Westpac anytime from 5/2/17. You must be under 21 or a full time student or new to Australia (i.e., arrived in the last 12 months). Eligible customers need to open a Choice account online between 5/2/18 and 29/3/18 (inclusive) and deposit a minimum of $250 within 45 days of account opening. Eligible customers who have completed identification will receive $50 deposited into their account within 55 days of account opening. Offer limited to one $50 deposit per eligible customer. Where a joint account is opened, the offer is limited to only one $50 deposit in respect of the account. If one of the joint account holders has already received their $50 deposit in respect of another account, then none of the remaining joint account holders will be eligible for the offer in respect of the joint account.

TL;DR

Be under 21, or a full-time student, or new to Australia (<12 mo)
Excludes customers who have held a Choice account with Westpac anytime from 5/2/17
Open a Choice account online between 5/2/18 and 29/3/18 (inclusive)
Deposit minimum $250 within 45 days of account opening
…
PROFIT

Free ISIC card (save $30) also still available:

^New Westpac Choice customers only. Offer available for full-time students, or customers aged 31 years and under. This offer is valid for 90 days from the date your new Westpac Choice account is opened and you are required to have your ID verified before claiming this offer. This offer only provides you the first year ISIC membership valued at $30. The STA Travel voucher is valid for 12 months from the date of issue and can be used at any local STA Travel store and not online.

Westpac Altitude Platinum Card with Bonus 60,000 Qantas FF points - $150 annual fee. $3000 spend criteria in 90 days.

Decent way to pick up some points. Not as good as some of the other points floating around but still not bad. This offer is better than their current Altitude Black card offer which also offers 60,000 QFF points but comes with a higher annual fee.

Sign up via the exclusive partner link before March 28 to receive 80,000 bonus Qantas or Amplify reward points when you meet the minimum spend criteria.
(Public offer is only 60,000 bonus points)

Key Benefits:

• 80,000 bonus Qantas or Altitude Reward points when you spend $5000 within 90 days of card approval
• From April 4 the ear rate increases to 0.75 QF points per dollar uncapped
• 2 Qantas Club or Priority Pass lounge passes
• $250 annual fee

Interest Rates:

• Variable purchase rate: 20.24% p.a.
• Variable cash advance rate: 20.74% p.a.

Current Earn Rates:

$1 = 1.25 points for those enrolled into Altitude rewards
$1 = 0.625 points for those enrolled into Qantas Frequent Flyer

Make 2018 your year, with 80,000 bonus points when you spend $5,000 within 90 days of card approval, plus your choice of rewards program and a range of complimentary insurance covers. Offer ends 28th March 2018. New cards only

Priority Pass Membership to airport lounges:

If you choose Altitude Rewards you can register your Altitude Black World Mastercard to receive two complimentary lounge visits per year to use at over 1000 VIP airport lounges worldwide.

Two complimentary Qantas lounge passes

If you choose Qantas Rewards, you are eligible for two complimentary Qantas Lounge invitations per year after your first Altitude Black Card spend on selected Qantas products and services. To take advantage you must first register and opt in.

Income and credit limit:

• Minimum card limit: $15,000
• Recommended income to apply: $75,000

Disclaimer: Flight Hacks receives a commission when you apply and get approved for the card using one of our links.

For card details check out our full review:
Flight Hacks

Just got this email from Westpac. Not sure if it's targeted.

Hi EVA-01,

Enjoy 5% off your breakfast, lunch or dinner for the next 3 months1. Every day between March and May Westpac Debit Mastercard® gives you a 5% cashback1 when you use your card to pay at any café, restaurant or food outlet. Max. cashback $15 per month.

How to get your 5% cashback1.
Simply use your Westpac Debit Mastercard ending in XXXX to pay at any food outlet during the months of March, April and May and we'll credit your account the following month with a 5% cashback to your account.
More reasons to use your Westpac Debit Mastercard.

Contactless payment: A faster, secure and more convenient way to pay for purchases under $100.

Secure funds: Shop securely with your debit card. We've got your back with 24/7 fraud monitoring and our Fraud Money Back Guarantee2.

Safety at Hand: If you misplace your card, you can temporarily lock it with Card on Hold3.

Things you should know:
The information on this communication is accurate as at the time and date indicated. Fees and charges apply. Any recommendation made in this communication does not take your objectives, needs or financial situation into account. Read the terms and conditions at westpac.com.au, before making a decision and consider if the product is right for you.

1. Cashback offer: Commencing 1 March 2018 and ending 31 May 2018, receive 5% cashback on all transactions made at restaurant, café's and food outlets with a maximum cashback of $15 per month. Westpac will credit your account for the cashback value earned in each individual month no later than last day of the following month.

2. Westpac Fraud Money Back Guarantee: Ensures that customers will be reimbursed for all unauthorised transactions provided that the customer has not contributed to the loss and has contacted Westpac promptly. Refer to your account terms and conditions for full details, including when a customer will be liable.

3. Card on hold: Available on personal credit and Mastercard debit cards only. Cards to which a temporary lock can be applied will be listed when you sign in to Mobile Banking or Online Banking and visit Lock a card temporarily under Cards services.

For the existing Westpac CC users, check your internet banking!

Received an invitation code in the internet banking to apply for new Westpac AMEX-issued card. This card is to replace their existing Westpac-AMEX card which will be closed in 4 April 2018.

Apply by March 15 2018 and spend $3,000 on eligible purchases within three months of card approval.

Key Points for new Westpac-AMEX Black:
* 20,000 QFF Points
* FREE annual fee first year ($199 thereafter)
* 2.25 Qantas Points per $1 spent directly with Qantas such as on flight bookings and Qantas Club memberships
* 2 Qantas Points per dollar spent abroad;
* 1.25 Qantas Points per $1 spent on Australian purchases, except for government spend (including ATO payments) which attract 0.5 Qantas Points per $1 spent.

Key Points for new Westpac-AMEX Platinum:
* 10,000 QFF points
* FREE annual fee first year ($49 thereafter)
* 1.5 Qantas Points per $1 spent on all overseas purchases in foreign currencies
* 1 Qantas Point per $1 spent in Australia, except for government bodies in Australia at which you’ll get 0.5 Qantas Points per $1 spent.

The invitation code will be sent in various time.