From email:

Caltex

Shop in-store

Start Date: 22/07/19
End Date: 01/09/19

Get $5 cashback when you spend $50 or more at Caltex Star Mart. Fill up on fuel, get a cold drink and a quick snack, or a freshly brewed coffee and a convenient meal. Your one-stop shop for all your convenience needs, is now even more rewarding.

Important offer conditions: Spend $50 or more in 1 transaction on your Westpac Credit Card. Only 1 cashback offer per merchant, per cardholder and will be paid into your account within approximately 7 days. Offer is valid in-store and at Caltex Star Mart locations only.

Sign in and get a little extra
If you're our customer, we'll waive the first year annual Card fee on a new American Express Westpac Altitude Black Card (usually $199 p.a.) exclusions apply.
Offer exclusively available when you sign in and apply via this link by 15th October 2019. T&Cs apply.

For velocity and Qantas total fee's are $299 for 120,000 points
80,000 points for $4k spend on mastercard within 90 days
40,000 points for 3k spend on amex within 90 days

i just signed in with my old login details from when i had the card previously (had no active accounts) to access this deal.

Get $5 cashback when you spend $15 or more at Subway in one transaction. Available in store only.

1 cashback offer per merchant, per cardholder and will be paid into your account within approximately 7 days

Check details if your Westpac offers by logging into your Westpac account. My offers:

Emirates:
Save up to 8%* off Economy Class and Business Class flights when you book online at emirates.com/au by 30 November 2019 and enter the promotional code AUWES20.
This offer is only valid for bookings made online at emirates.com/au on Emirates operated services originating from Australia.
Emirates fare discounts:
** Save 8% off Economy and Business Class Flex and Flex Plus fares.
** Save 5% off Economy and Business Class Saver fares.
** You can enjoy up to 20MB of free Wi-Fi within the first two hours of login.

IGA: Get $10 cashback when you spend $60 or more. Expires 29 September 2019.

Caltex: Get $5 cashback when you spend $50 or more. Expires 6 October 2019.

Redballoon: Get $20 cashback when you spend $100 or more. Expires 27 October 2019.

Surf Dive 'n' Ski: Get $20 cashback when you spend $100 or more. Expires 13 October 2019.

From Email.

Get $150 cashback when you spend $1,000 or more at Dell Australia. Whatever your needs are, Dell has the system for your home or business.

Important offer conditions: Spend $1,000 or more in 1 transaction on your Westpac Credit Card. Only 1 cashback offer per merchant, per cardholder and will be paid into your account within approximately 7 days. Offer is valid online only.

Found this as part of Westpac's offer via mobile app. Seems like it is part of the rewards program offered via WBC Black Card.

Example of offer - spend $50SGD in Changi Airport and get $15SGD back. Valid from July-September 2019.

https://www.loyaltygateway.com/rewards/phoenix/Mastercard_Tr...

Site description:

Welcome to Mastercard Traveler Rewards
Enjoy exclusive, automatic cashback offers from participating overseas merchants when you travel, shop and pay with your enrolled Mastercard* - online or instore.
Explore the wide range of international merchants and offers available where you can enjoy the benefits as an enrolled* Mastercard cardholder.

Noticed new Westpac offers appear on my account and thought I might share this as it seems a pretty good deal.

Obviously it's targeted and you might want to check if you have it before going out to buy something.

Get $10 cash back when you spend $50 or more at JB Hi-Fi, Australia's largest home entertainment retailer, with famous low prices on a huge range of big brands.

Spend $50 or more in 1 transaction on your Westpac Credit Card. Only 1 cashback offer per merchant, per cardholder and will be paid into your account within approximately 7 days. Offer is valid online and in-store.

Note: I am over 30 as of the application date, but was told that I would still be able to get the $40 offer. So I'd advise double-confirming this with your banker if you're 30+ and intend to apply.

T&C Below:
$40 Offer: Eligible customers must be under 30. To receive up to AUD$40 credited to an everyday account, customers must open a new Westpac Choice account online or in branch between 10/10/19 and 16/01/2020 (inclusive) and must deposit $500 or more and make at least five (5) eligible purchases using their debit card within 30 days of account opening (‘eligible customer’). Eligible purchases include in-store purchases, online purchases, regular card payments, PayPass, and Google Pay™ transactions. Offer excludes ATM withdrawals. Eligible customers will receive $40 deposited into their account within 45 days of account opening following successful identification verification. The account must remain open during this period in order to be eligible for the offer. Excludes customers who hold or have held a Westpac transaction account at any time. Offer limited to one deposit per customer and is not available in conjunction with any other offer. Where a joint account is opened, if one of the joint account holders has already received their 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.

Targeted offer.

For existing WestPac Altitude/Earth card holders. Comes with all perks of Amex credit card such as two entries to Amex lounge/calendar year.

20,000 bonus Qantas Points when you apply, are approved and spend $3,000 on eligible purchases on the American Express Westpac Altitude Black Card within 90 days of Card approval. New cards only.
No annual card fee in the first year ($199 thereafter).

Get a $250 gift voucher at JB Hifi, Myer or Webjet when you spend $800 in 90 days on a new Westpac Altitude Platinum and select Altitude Rewards Program.

Features:

Uncapped points earn rate: 1 Altitude Point per dollar spent on eligible purchases, 2 points per dollar on Uber, Uber Eats, AirBNB, Spotify and overseas purchases (3% fee), 3 points per dollar on QANTAS, Jetstar and Virgin Australia (capped at $10,000).

• Annual card fee: $150
• Variable purchase rate: 20.49% p.a.
• Variable cash advance rate: 21.49% p.a.
• Interest free days on purchases: Up to 45
• Minimum credit limit: $6,000
• Minimum income required: $30,000

Note that existing Westpac customers who currently hold an Altitude Platinum credit card, or who have held one in the last 12 months and Westpac Group staff are not eligible for this offer.

Similar to deals posted earlier in OzB, just a reminder to stay cyber safe this shopping season.
If you are a customer with any of these, register to download free AV for 6 months. Activating free trial likely to ask for Credit card. Keep a reminder to cancel auto renewal if you wish to cancel after free trial.

Westpac
ANZ
NAB

There are other banks too like Suncorp offering 3months. Just lookup your bank and add to this list :)

Stay safe online!

Noticed new Westpac offers appear on my account and thought I might share this as it seems a pretty good deal to me.
Didn't see any exclusion in the T&C so I assume gift card would count.

Not sure if targeted or not but probably yes.

Get $10 cashback when you spend $100 or more.
Offer ends 19 Jan 2020

Get $10 cashback when you spend $100 or more at Chemist Warehouse, Beauty Spot or My Chemist.

Spend $100 or more in 1 transaction on your Westpac Credit Card. Only 1 cashback offer per merchant, per cardholder and will be paid into your account within approximately 7 days. Offer is valid in-store and online.

Shop using Westpac Credit Card on Kogan.
Spend minimum $100 at Kogan.
Westpac will credit your account with $20 within 7 days.
This appeared on rewards offers section on my Westpac App. Previous cashback offer was $10.

Targeted, check it's in your reward offers.

Spend $50 or more in 1 transaction on your Westpac Credit Card. Only 1 cashback offer per merchant, per cardholder and will be paid into your account within approximately 7 days. Offer is valid in-store and online.

Eligible Westpac credit cards include most Westpac branded consumer credit cards and the Altitude Business credit card, Westpac BusinessChoice credit cards. American Express® Westpac Altitude Platinum Card, American Express® Westpac Black Card, Westpac Commercial credit cards and Westpac Consumer or Business Debit Cards are not eligible.

Free shipping with $60+ spend online, and remember cashback

Check with your reward offer to find more in details.

—-Offer 1 Offer ends 5 Jan 2020

Get $20 cashback when you spend $100 or more at David Jones. Offer ends 5 Jan 2020

Spend $100 or more in 1 transaction on your Westpac Credit Card. Only 1 cashback offer per merchant, per cardholder and will be paid into your account within approximately 7 days. Offer is valid in-store and online.

—-Offer 2 Offer ends 5 Jan 2020
Get $30 cashback when you spend $130 or more at New Balance.

Spend $130 or more in 1 transaction on your Westpac Credit Card. Only 1 cashback offer per merchant, per cardholder and will be paid into your account within approximately 7 days. Offer is valid in-store and online.

—-Offer 3 Offer ends 31 Jan 2020

Get $7 cashback when you spend $35 or more at Liquorland.

Spend $35 or more in 1 transaction on your Westpac Credit Card. Only 1 cashback offer per merchant, per cardholder and will be paid into your account within approximately 7 days. Offer is valid in-store and online.

Need a break? Book with Webjet, Australia's #1 online travel agency where you can mix and match flights for the best value return deal. Webjet leads the way in online travel tools and technology, enabling customers to compare, combine and book the best travel deals.
For the first 250 bookings only, use this special promo code to take $20 off domestic flight bookings*. Offer is valid for domestic flight bookings within Australia for all airlines, for departures until 31 August 2020.

Not sure if targeted - doesn't seem to be

Get up to 90,000 bonus Velocity Points
With the Altitude Platinum Bundle and Velocity Frequent Flyer
Apply for the Altitude Platinum Card Bundle by 30 January 2020, then spend $3,000 or more on eligible purchases with each new Card within 90 days of their approval and you’ll get:

75,000 Velocity Points with your Westpac Platinum Mastercard®
15,000 Velocity Points with your American Express® Westpac Altitude Platinum Card.
We’ll also waive the first year’s annual Card fee on your American Express Card (usually $49).

Offer ends 30 January 2020 and excludes customers who hold/have held any Westpac Rewards credit card in the last 12 months^ or any American Express Westpac Altitude Card in the last 18 months.
The minimum income to apply for this bundle is $50,000.

Westpac Altitude Platinum Mastercard

Velocity Points earn rate on eligible purchases, uncapped6:
0.5 points per $1 spent in Australia and overseas

Annual Card fee: $150

Annual Altitude Velocity fee: $50

Variable purchase rate: 20.49% p.a.

Variable cash advance rate: 21.49% p.a.

Interest free days on purchases: Up to 45

Minimum credit limit: $6,000

Issued and serviced by Westpac

American Express Westpac Altitude Platinum Card

Velocity Points earn rate on eligible purchases, uncapped:

1 point per $1 spent in Australia
1.5 points per $1 spent in foreign currency
0.5 points per $1 spent at government bodies in Australia such as Australia Post & the Australian Taxation Office.
Annual Card fee: $0 in the first year, $49 thereafter**

Interest Rate on purchases: 20.24% p.a.

Cash advance rate: Cash advances are not available

Interest free days on purchases: Up to 45

Minimum credit limit: $3,000

Westpac Group covers mortgage repayments, provides interest free and discounted loans to bushfire affected consumers and businesses

13 January 2020

Westpac Group has today announced additional support for customers and communities impacted by ongoing bushfires across Australia.

For Westpac mortgage customers who have lost their principal place of residence due to the bushfires, Westpac will pay the customer’s mortgage repayments for one year (up to $1,200 per month).

The Bushfire Recovery Support Package also includes interest free home loans for consumers who need to rebuild, low-interest loans for businesses, and an additional $2.5 million allocated for bushfire emergency cash grants taking the total to $3 million.

Peter King, Acting Chief Executive, Westpac Group, said Westpac is committed to helping customers and the community recover now and over the longer term.

“These initiatives are designed to provide practical, on the ground support for our customers, our people and for those who are caring for affected communities. In times of such unprecedented devastation, we want customers and communities to know we’re here to help alleviate financial concerns so they can rebuild their lives, homes and businesses,” Mr King said.

Together with existing measures in place, Westpac’s Bushfire Recovery Support Package will include the following:

Retail customers

• For mortgage customers who have lost their principal place of residence due to the bushfires, Westpac will cover the customer’s mortgage repayments for one year (up to $1,200 per month)
• Interest free home loans for customers to cover the gap between insurance payouts and rebuilding costs, approved subject to our credit criteria ($250 million allocation)
• Up to $2,000 in emergency cash grants for customers whose properties have been destroyed or damaged by the bushfires

Business customers

• A grant of up to $15,000 to assist small businesses with the cost of refurbishing premises that have been destroyed during the bushfires
• 2.83% three-year variable rate, low-interest rebuilding loans for business customers, up to $1 million individual loans ($1 billion allocation)
• Up to $2,000 emergency cash grants for customers whose business premises have been destroyed or damaged by the bushfires
• No foreclosures for three years on any farming businesses in the affected areas
• Fast tracked credit approvals to provide short-term assistance

The community

• An additional $2.5 million to provide emergency cash grants to customers in affected towns and regions, bringing the total available to $3 million
• $500,000 donation to Financial Counselling Australia to provide financial counselling services to people in affected towns and regions to help them through the recovery and rebuild
• Volunteer firefighters nationally can access the Disaster Relief Package
• Appointing a new role, CEO, Bushfire Recovery, to lead the response. This includes mobile customer support teams for localised decision making.

“Anyone who needs assistance or support should contact their local branch, Relationship Manager or call our Westpac Assist team on 1800 067 497 as soon as possible to discuss their circumstances,” Mr King said.

These measures are in addition to more than $1 million already contributed to community groups such as The Salvation Army Emergency & Disaster Appeal, state-based volunteer services, and state bushfire appeals.

Insurance customers

All affected insurance customers should contact Westpac on 1300 369 989 so that we may assist. Claims can be lodged 24 hours a day, 7 days a week by calling this number.

Mod: Deal title is tagged [BF] which is a tag for all deals related to Bushfire Victims/Volunteers etc. You may choose to deprioritise this tag by using the new front page. Please click 'new' on the OzBargain home page, then 'personalise', then add bf in 'add a title tag', drag the slider to less, then save preference. You may also choose to add other tags to see more/less of those deals (eg your state, other states) or see more/less from particular stores.

For those affected or involved, see the Bushfire Relief event page. You can also use the new front page to prioritise the [BF] tag.

Just spotted this deal on the Westpac rewards page,
was thinking I would be purchasing $14.50 tickets but to my surprise they were $10-

Quick Overview:
Only valid for use until 18 MAR 2020
NOT valid for Birds of Prey movie
NOT valid Sat/Sun after 2pm or Public Hols
NOT valid for alternate content screenings
eVoucher sent by email

Westpac Offers - Below the Line (not advertised)

Available under Advantage package, can combine with 100% offset on variable. Annual fee $395 waived first year.
Westpac gives a further 0.1% discount for 70%LVR or less.
Fixed has break costs if closed before expiry. No break costs under variable products.

Westpac Offer 1

Investor 2.99% fixed 2yr or 3yr. (CPR 4.20%)
Owner occupied from 3.04% variable (CPR 3.45%). 2.88% fixed 2 or 3 years. (CPR 3.85%)

Westpac Offer 2

Westpac $3,000 cash rebate PER property refinance. eg. 3 properties = $9,000 bank rebate.
Westpac $2,000 cash rebate for purchases.

Westpac Offer 3

First Home Buyer 2.78% fixed owner occ 2 or 3 years.(CPR 3.75%)

0.3% Bundle Rebate

In ADDITION to bank rebates, Bundle Home Loans gives a rebate of 0.3% of loan size (net at drawdown) for ANY bank or product, eg:

$400,000 = $1,200 Bundle cash rebate
$700,000 = $2,100 Bundle cash rebate
$1,000,000 = $3,000 Bundle cash rebate

Total Fees NSW & VIC incl GST

https://www.nswlrs.com.au/getattachment/4c30b323-f8a8-4939-b...
https://www.propertyandlandtitles.vic.gov.au/__data/assets/w...

Mortgage discharge fees  $143.5 (NSW), $116.80 (VIC) 
Transfer/Mortgage Registration fee  $143.5  (NSW), $116.80 (VIC) 
Title search $14.70 (NSW) 
Legal/settlement fee from incoming lender – Approx $100-$350
Discharge admin fee from outgoing lender – Approx $250-$350
Total fees approx $650 - $800 in most cases.

Given lower chance of a rate cut forecast, a low fixed rate can still save you more money as you can get an immediate benefit from today as opposed to waiting for the drop to occur. Given many banks are only passing on 0.1-0.15% each cut, and the RBA cash rate is 0.75%, there can only be a maximum of 3 cuts to zero, which may take a long time or unlikely to occur.

Always worth doing a calculation for your situation, eg:

If you have an existing loan and your rate is 3.29%, fixing at 2.79% will save you 0.5% each year.
On a $500k loan, that is a saving of $2500 every year.
If you're saving 0.5% and go with a lender giving rebates eg Westpac $6,000 for 2 properties, plus our Bundle Rebate of $1,500, that's a further $7500 in rebates, plus $2,500 interest savings, you are getting a benefit of $10,000 in just one year!

Let me know if we can help.
We have some of the lowest rates, and can get pricing discounts up to 1.9%.
Our policy is to beat any competitor/broker/lending manager with our rates and rebates, so will do whatever it takes to get the best deal for you.

Len
Bundle Property Home Loans
T: (02) 9698 7186
M: 0422354868
E: Loans@bundleproperty.com.au
ACL 445947

Disclaimer:
The information provided is for general education purposes only and is not intended to constitute specialist or personal advice. This has been provided without taking into account your objectives, financial situation or needs. Because of this, you should consider the appropriateness of the advice to your own situation and needs before taking any action. It should not be relied upon for the purposes of entering into any legal or financial commitments. Specific investment advice should be obtained from a suitably qualified professional before adopting any investment strategy.