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Westpac Altitude Black credit card

8 reviews

Apply by 2 June 2019

points over 12 months Calculate your savings icon

Earn rate per $1

1.25 points
16.77% Complete (success)
Altitude Rewards

Bonus points

80,000 points
80,000% Complete (success)

Annual fee

$250
p.a.
250% Complete (success)

Pros

  • 80,000 bonus Altitude points when you spend $3,000 within 90 days of card approval

    Earn 1.25 Altitude points per $1 spent on eligible purchases

    Uncapped points earning

    Two complimentary lounge passes each year with Priority Pass

    Platinum concierge service

    Overseas travel insurance for trips up to 6 months

    Free additional card holder

    Cons

    $250 annual fee

  • Westpac Altitude Black credit card

    Earn 80,000 bonus Altitude points when you spend $3,000 on eligible purchases within 90 days of card approval. Earn 1.25 Altitude points per $1 spent on purchases and get a large range of benefits and rewards, there’s no doubt that the Altitude Black is an ideal high end rewards card. This card also includes two complimentary airport lounge visits each year, a range of complimentary insurances including overseas travel, extended warranty and transit accident insurance. $75,000 Minimum Income Required to Apply. Offer ends 2 June 2019.

    Key features

    • 80,000 bonus Altitude points when you spend $3,000 within 90 days of card approval
    • $250 annual card fee
    • Earn 1.25 Altitude points per $1 spent on eligible purchases
    • With Altitude Points Redeem points for flights with Virgin, Singapore, Cathay Pacific, Malaysia & Air NZ
    • Two complimentary lounge passes each year with Priority Pass
    • Altitude Points do not expire
    • Platinum concierge service
    • Overseas travel insurance for trips up to 6 months
    • Transit accident insurance and Extended warranty on new products bought on the card
    • Free additional card holder
    88% of customers who have rated this card would recommend it
    • Rates
      79%
    • Fees
      82%
    • Rewards
      94%
    • Customer Service
      96%
    • Value
      88%
    Overall user rating 88%
    8 reviews
    Interest Rates
    Purchase rate 20.49% p.a.
    Cash advance rate 21.49% p.a.
    Interest free on purchases up to 45 days
    Balance Transfer
    Credit limits
    Minimum credit limit $15,000
    Maximum credit limit $75,000
    Fees & repayments
    Annual fee $250 p.a.
    Additional cardholder fee $0 p.a.
    Cash advance fee 2%
    Foreign transaction fee 3%
    Minimum repayment 2%
    Late payment fee $15
    Credit card type Mastercard
    Rewards program
    Rewards program Altitude Rewards Altitude Rewards
    Bonus points 80,000 Altitude points
    Annual points cap uncapped
    Bonus points spend criteria Spend $3,000 within first 90 days
    Earning points with this card
    Altitude points 1.25 points per $1 spent
    Overseas earn rate same as standard earn rate
    Points cap per month N/A
    Complimentary insurance
    Overseas travel insurance yes - up to 6 months
    Flight inconvenience insurance No
    Transport accident cover Yes
    Smartphone screen insurance No
    Purchase protection insurance Yes
    Extended warranty insurance Yes
    Rental vehicle excess cover No
    Extras
    2 lounge passes per year with Priority Pass

    The Westpac Altitude Black Credit Card offer with 80,000 bonus Altitude Points

    Receive 80,000 bonus Altitude points when you spend at least $3,000 within 90 days of card approval. Premium rewards credit card from Westpac with huge credit limit and complimentary insurances.

    What we love...

    Let's look at the bonus points offer, 80,000 bonus Altitude points is on offer with this card. To be eligible for the bonus points you must spend $3,000 within the first 90 days of approval. Uncapped points earning lets you earn 1.25 Altitude points per $1. Choose your rewards program, either Altitude Points or Altitude Qantas points.

    The annual fee is $250 and you get one free additional card holder.

    Platinum concierge service is on hand 24/7 via app when you need help with restaurant bookings, flights, party planning and tickets to events. With this card you also get access to a range of complimentary insurances like Overseas travel insurance for up to 6 months, transit accident insurance and extended warranty.

    What’s not so great...

    While the earn rate is uncapped, the earn per $1 spent is not great.

    Why should you choose this card?

    The Westpac Altitude Black features uncapped points earning with a choice of two excellent rewards programs, Altitude or Qantas. With Altitude Rewards you can redeem points for homewares, technology and much more. And you can transfer your points to frequent flyer points with Virgin Australia, Velocity, Singapore Airlines - KrisFlyer, Malaysia Airlines - Enrich, Air New Zealand - Airpoints and Cathay Pacific - AsiaMiles.

    Overall Rating

    A premium rewards credit card with uncapped points earn, fantastic bonus points offer and choice of two excellent rewards programs, Altitude and Qantas. Offer ends 2 June 2019.

    74 questions (showing the latest 10 Q&As)

    janis

    janis

    31 March 2019
    Does my Black Westpac Attitude MasterCard cover travel insurance within Australia as well as overseas?
    Muhammad

    Muhammad

    16 December 2018
    Hy Roland I got altitude black card and i can get 80000 points if spend 3k in 3 months..my question is that how can i use those points? Secondly would points b added if i buy air tickets from my card through travel agents? Regards
    Steph

    Steph

    21 September 2018
    Hi Roland, if I'm the additional card holder of altitude black card already, can I apply myself as new primary cardholder and get the 120k bonus points please?
      Roland B Bleyer - CreditCard.com.au Founder

      Roland

      21 September 2018
      Hi Steph, yes this is possible. As a secondary cardholder you are still eligible for the bonus points.
    Kath

    Kath

    4 September 2018
    I just got this card and trying to earn the bonus 80,000 points by spending $3,000. Can you please explain what is a BPAY equivalent transaction? Is paying council rates, water rates a BPAY equivalent transaction?
      Roland B Bleyer - CreditCard.com.au Founder

      Roland

      5 September 2018
      Hi Kath, with the Altitude range you do not earn points with any BPAY transactions. So if you are paying the rates via bpay then you would not. If you pay the rates just using your credit card (which I believe has a surcharge). On the relevant sites then you should earn points. Though checking deeper government charges (other than GST payable in connection with the purchase of goods or services on which you earn points) also do not are points. I would assume that rates are government charges. Bottom line it sounds like paying rates if a no go for points. If you can spend on petrol, groceries etc. That should get you across the line in the required period. A bigger purchase item purchase like buying furniture or clothes shopping would get you there sooner. Review the PDF that details the rewards program terms and conditions. https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/Altitude_Rewards_Terms_and_1.pdf
    sue

    sue

    19 July 2018
    I had a Westpac earthblack mastercard, and American Express Card. I did not take up their invitation for earlier this year so no longer have the American Express. I would like one now butcannot see how I can apply for one.
      Roland B Bleyer - CreditCard.com.au Founder

      Roland

      19 July 2018
      Hi Sue, reach out to Westpac credit card customer service. There is no way that I know you can apply just for the AMEX version now. I know they are offering a bundle with both cards for new customers. I am sure they will still be able to assist you. Otherwise there are a nice range of AMEX cards available, some with no annual fee. Just depends on what rewards you are after.
    Jorgen

    Jorgen

    12 July 2018
    Thank's Roland for your prompt answer. ANZ Travel Card sounds good for our travel and small everyday expenses. I read that the "cons" was high purchase rate, what do they mean by that?. And just wonder how velocity points rate compared to Qantas points and can they be converted. I like Qantas points also for but only because I travelled a lot to Mount Isa and got good value due to expensive ticket cost compared to Km.I still go there once ore twice a year from Brisbane and sometimes book business class using points. For my large spends half yearly I can only use Mastercard/Visa with preference on Qantas points. would it be feasible to have a third card for this and maybe high dollar value holiday package payments ie. $ 20 - 30.000 ?. Thank you in advance for your advise.
      Roland B Bleyer - CreditCard.com.au Founder

      Roland

      13 July 2018
      Hi Jorgen, all rewards credit cards have a high purchase rate. The purchase rate is 20.24% p.a. As with all rewards cards, they are not worth holding a balance and paying interest. You can review the ANZ rewards program here - https://anzrewards.com/public/redeem_category.aspx?deptid=8390. Basically 2 ANZ rewards points convert to 1 Velocity point. One AMEX side I like the Qantas Ultimate for maximum Qantas points. I have this card and use it when I can. For a Visa/Mastercard there seems to be nothing out there anymore with uncapped points earning. That is that don't reduce from a higher tier. A 3rd card I suggest is the Qantas Premier. You get $10,000 at 1 point per spend a month. Then 0.5 Qantas points for $1 spent after this. I think this is the best the Visa/Mastercard options on Qantas points earning and has some other nice benefits for Qantas flights. I would not apply for all of them at once but stagger the applications over a year period. Start with the card you will get the most use out of first. Happy Friday and safe travels.
    Jorgen

    Jorgen

    11 July 2018
    Hi Roland. I am retired using ANZ platinum that is capped at 2000 Qantas points per statement period for. my average credit spend is 6-7000 plus 15000+ extra every 6 months.My wife & I want to travel a lot here & overseas. Which is the best card for us. Thank you in advance
      Roland B Bleyer - CreditCard.com.au Founder

      Roland

      12 July 2018
      Hi Jorgen, you will need to meet the minimum income requirements from your SMSF or other income. When you say 6-7k I am assuming this is monthly. No single card is likely to be best for your situation. Though this card is what I suggest. The ANZ Rewards Travel Adventure credit card. It has 0% foreign transaction fees and some nice insurance package. It earns custom ANZ rewards points. This would be best to use when overseas based on this. Westpac charges a 3% fee on their rewards cards overseas. Outside of this for local spend to maximise rewards it will depend on how much you spend. You could still use this ANZ Rewards Travel adventure card if you like but its points earning drops to 0.5 after 2k a month, from 1.5. I like to earn Qantas points but I don't know your preference and also if you can spend on an AMEX. Let me know what type of rewards and whether you can spend on an AMEX and I will suggest something else. Though for O/S the ANZ card is worth the first application.
    Lex

    Lex

    28 June 2018
    Hi Roland, Can you tell me if the complimentary travel insurance covers my wife as well. Is it necessary for her to be a card holder against my card or does she need her own card? Thanks Lex
    Claire

    Claire

    26 June 2018
    I have just received my new Altitude Black credit card. How do I qualify for complimentary passes to Qantas Lounge? Would it apply for domestic & international travel? Thank you.
    John Mcmillan

    John Mcmillan

    23 June 2018
    Is cruising covered?
    tina

    tina

    31 May 2018
    if I pay an annual package fee on my mortgage, does this cover (removes) the annual card fee
      Roland B Bleyer - CreditCard.com.au Founder

      Roland

      1 June 2018
      Hi Tina, yes there is a loan type with Westpac that provides this card at no annual fee. I have a home loan with Westpac and do get this card with no annual fee as part of the package. Speak to Westpac about this and put the application in with them to ensure that you get the fee waived.
    Duc Khiem Pham

    Duc Khiem Pham

    30 May 2018
    Hi,We are travel to America. Please show us how to apply complimentary travel insuranceThanksDuc Khiem Pham
    david

    david

    14 May 2018
    I would want to use this card for the purpose of funding my IG trading account to purchase shares which accepts MC credit as a means of funds. Would this be considered an eligible transaction? would this be considered a cash advance?
      Roland B Bleyer - CreditCard.com.au Founder

      Roland

      14 May 2018
      Hi David, I would say that these should be considered purchases rather than cash advances. It does not mention in the PDS that purchases are shares are ineligible. ‘Cash Equivalent Transaction’ means transfers of funds to or from other financial institutions, foreign exchange transactions, travellers cheque purchases, gambling transactions, utility bills paid in person at a bank or Australia Post or any bills paid using the Card in conjunction with the BPAY scheme (if the billing merchant does not accept credit card payment using the BPAY scheme) and any other transaction that is treated as a cash advance. I would say shares do not fit into this. Have a look at this PDF for more details on the terms for points earning - https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-qantas-frequent-flyer-terms-and-conditions.pdf
    Abdul Samad

    Abdul Samad

    11 May 2018
    Hi Roland, Can you please point me to the best master card offering zero foreign transaction fees and overseas travel insurance.
      Roland B Bleyer - CreditCard.com.au Founder

      Roland

      14 May 2018
      Hi Abdul, I like the ANZ Travel Adventures card. Has some nice bonus points on sign up. Good insurance and points earning on spend plus a range of other good features for travelers.
    • Be over 18 years old
    • Good credit and not applied for multiple credit cards recently
    • Resident or citizen of Australia. Temporary residents are eligible.
    • Minimum income of $75,000 p.a.
    • You have your personal details ready to complete the online application
    Westpac Altitude Black credit card
    Westpac Altitude Black credit card

    Westpac Credit Cards

    Westpac Altitude Black credit card

    Updated 1 May 2019

    Apply by 2 June 2019

    Points Earn Rate (per $1 spent)

    1.25

    points

    Altitude

    Rewards Program

    Altitude Rewards

    Bonus Points

    80,000 pts

    Spend $3,000 within first 90 days

    0 points over 12 months spend

    My monthly card spend

    Pros and cons

    • 80,000 bonus Altitude points when you spend $3,000 within 90 days of card approval
    • Earn 1.25 Altitude points per $1 spent on eligible purchases
    • Uncapped points earning
    • Two complimentary lounge passes each year with Priority Pass
    • Platinum concierge service
    • Overseas travel insurance for trips up to 6 months
    • Free additional card holder

    • $250 annual fee

    Creditcard.com.au review

    Editor Review

    The Westpac Altitude Black Credit Card offer with 80,000 bonus Altitude Points

    Receive 80,000 bonus Altitude points when you spend at least $3,000 within 90 days of card approval. Premium rewards credit card from Westpac with huge credit limit and complimentary insurances.

    What we love...

    Let's look at the bonus points offer, 80,000 bonus Altitude points is on offer with this card. To be eligible for the bonus points you must spend $3,000 within the first 90 days of approval. Uncapped points earning lets you earn 1.25 Altitude points per $1. Choose your rewards program, either Altitude Points or Altitude Qantas points.

    The annual fee is $250 and you get one free additional card holder.

    Platinum concierge service is on hand 24/7 via app when you need help with restaurant bookings, flights, party planning and tickets to events. With this card you also get access to a range of complimentary insurances like Overseas travel insurance for up to 6 months, transit accident insurance and extended warranty.

    What’s not so great...

    While the earn rate is uncapped, the earn per $1 spent is not great.

    Why should you choose this card?

    The Westpac Altitude Black features uncapped points earning with a choice of two excellent rewards programs, Altitude or Qantas. With Altitude Rewards you can redeem points for homewares, technology and much more. And you can transfer your points to frequent flyer points with Virgin Australia, Velocity, Singapore Airlines - KrisFlyer, Malaysia Airlines - Enrich, Air New Zealand - Airpoints and Cathay Pacific - AsiaMiles.

    Overall Rating

    A premium rewards credit card with uncapped points earn, fantastic bonus points offer and choice of two excellent rewards programs, Altitude and Qantas. Offer ends 2 June 2019.

    User reviews

    Westpac Altitude Black credit card ( based on 8 Creditcard.com.au user reviews )

    88% rating based on 8 reviews

    Rates
    Fees
    Rewards
    Customer Service
    Value

    Rates and fees

    Interest rates

    Purchase rate 20.49% p.a.

    Cash advance rate 21.49% p.a.

    Interest free on purchases up to 45 days

    Credit limits

    Minimum credit limt $15,000

    Maximum credit limit $75,000

    Fees & repayments

    Annual fee $250 p.a.

    Additional card holder fee $0 p.a.

    Foreign transaction fee 3%

    Minimum repayment 2%

    Cash advance fee 2%

    Late payment fee $15

    Rewards and points

    Rewards program

    Rewards Program Altitude Rewards Altitude Rewards

    Bonus points 80,000 Altitude points

    Annual points cap uncapped

    Bonus points spend criteria Spend $3,000 within first 90 days

    Earning points with this card

    Altitude pointsAltitude points 1.25 points per $1 spent

    Points cap per month N/A

    Overseas earn rateOverseas earn rate same as standard earn rate

    Additional features

    Complimentary insurance

    Overseas travel insurance yes - up to 6 months

    Flight inconvenience insurance No

    Transport accident cover Yes

    Smartphone screen insurance No

    Purchase protection insurance Yes

    Extended warranty insurance Yes

    Rental vehicle excess cover No

    Extras

    2 lounge passes per year with Priority Pass

    Overview

    Westpac Altitude Black credit card

    Earn 80,000 bonus Altitude points when you spend $3,000 on eligible purchases within 90 days of card approval. Earn 1.25 Altitude points per $1 spent on purchases and get a large range of benefits and rewards, there’s no doubt that the Altitude Black is an ideal high end rewards card. This card also includes two complimentary airport lounge visits each year, a range of complimentary insurances including overseas travel, extended warranty and transit accident insurance. $75,000 Minimum Income Required to Apply. Offer ends 2 June 2019.

    Key features

    • 80,000 bonus Altitude points when you spend $3,000 within 90 days of card approval
    • $250 annual card fee
    • Earn 1.25 Altitude points per $1 spent on eligible purchases
    • With Altitude Points Redeem points for flights with Virgin, Singapore, Cathay Pacific, Malaysia & Air NZ
    • Two complimentary lounge passes each year with Priority Pass
    • Altitude Points do not expire
    • Platinum concierge service
    • Overseas travel insurance for trips up to 6 months
    • Transit accident insurance and Extended warranty on new products bought on the card
    • Free additional card holder

    Minimum criteria to apply for this card

    • Be over 18 years old

    • Good Credit and have not applied for multiple credit cards recently

    • Resident or citizen of Australia. Temporary residents are eligible.

    • Minimum income of $75,000 p.a.

    • You have your personal details ready to complete the online application

    Roland B Bleyer

    Roland B Bleyer founded creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

    Recently Asked Questions

    Something you need to know about this card? Ask a our credit card expert a question.

    74 questions (showing the latest 10 Q&As)

    janis

    janis

    31 March 2019
    Does my Black Westpac Attitude MasterCard cover travel insurance within Australia as well as overseas?
    Muhammad

    Muhammad

    16 December 2018
    Hy Roland I got altitude black card and i can get 80000 points if spend 3k in 3 months..my question is that how can i use those points? Secondly would points b added if i buy air tickets from my card through travel agents? Regards
    Steph

    Steph

    21 September 2018
    Hi Roland, if I'm the additional card holder of altitude black card already, can I apply myself as new primary cardholder and get the 120k bonus points please?
      Roland B Bleyer - CreditCard.com.au Founder

      Roland

      21 September 2018
      Hi Steph, yes this is possible. As a secondary cardholder you are still eligible for the bonus points.
    Kath

    Kath

    4 September 2018
    I just got this card and trying to earn the bonus 80,000 points by spending $3,000. Can you please explain what is a BPAY equivalent transaction? Is paying council rates, water rates a BPAY equivalent transaction?
      Roland B Bleyer - CreditCard.com.au Founder

      Roland

      5 September 2018
      Hi Kath, with the Altitude range you do not earn points with any BPAY transactions. So if you are paying the rates via bpay then you would not. If you pay the rates just using your credit card (which I believe has a surcharge). On the relevant sites then you should earn points. Though checking deeper government charges (other than GST payable in connection with the purchase of goods or services on which you earn points) also do not are points. I would assume that rates are government charges. Bottom line it sounds like paying rates if a no go for points. If you can spend on petrol, groceries etc. That should get you across the line in the required period. A bigger purchase item purchase like buying furniture or clothes shopping would get you there sooner. Review the PDF that details the rewards program terms and conditions. https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/Altitude_Rewards_Terms_and_1.pdf
    sue

    sue

    19 July 2018
    I had a Westpac earthblack mastercard, and American Express Card. I did not take up their invitation for earlier this year so no longer have the American Express. I would like one now butcannot see how I can apply for one.
      Roland B Bleyer - CreditCard.com.au Founder

      Roland

      19 July 2018
      Hi Sue, reach out to Westpac credit card customer service. There is no way that I know you can apply just for the AMEX version now. I know they are offering a bundle with both cards for new customers. I am sure they will still be able to assist you. Otherwise there are a nice range of AMEX cards available, some with no annual fee. Just depends on what rewards you are after.
    Jorgen

    Jorgen

    12 July 2018
    Thank's Roland for your prompt answer. ANZ Travel Card sounds good for our travel and small everyday expenses. I read that the "cons" was high purchase rate, what do they mean by that?. And just wonder how velocity points rate compared to Qantas points and can they be converted. I like Qantas points also for but only because I travelled a lot to Mount Isa and got good value due to expensive ticket cost compared to Km.I still go there once ore twice a year from Brisbane and sometimes book business class using points. For my large spends half yearly I can only use Mastercard/Visa with preference on Qantas points. would it be feasible to have a third card for this and maybe high dollar value holiday package payments ie. $ 20 - 30.000 ?. Thank you in advance for your advise.
      Roland B Bleyer - CreditCard.com.au Founder

      Roland

      13 July 2018
      Hi Jorgen, all rewards credit cards have a high purchase rate. The purchase rate is 20.24% p.a. As with all rewards cards, they are not worth holding a balance and paying interest. You can review the ANZ rewards program here - https://anzrewards.com/public/redeem_category.aspx?deptid=8390. Basically 2 ANZ rewards points convert to 1 Velocity point. One AMEX side I like the Qantas Ultimate for maximum Qantas points. I have this card and use it when I can. For a Visa/Mastercard there seems to be nothing out there anymore with uncapped points earning. That is that don't reduce from a higher tier. A 3rd card I suggest is the Qantas Premier. You get $10,000 at 1 point per spend a month. Then 0.5 Qantas points for $1 spent after this. I think this is the best the Visa/Mastercard options on Qantas points earning and has some other nice benefits for Qantas flights. I would not apply for all of them at once but stagger the applications over a year period. Start with the card you will get the most use out of first. Happy Friday and safe travels.
    Jorgen

    Jorgen

    11 July 2018
    Hi Roland. I am retired using ANZ platinum that is capped at 2000 Qantas points per statement period for. my average credit spend is 6-7000 plus 15000+ extra every 6 months.My wife & I want to travel a lot here & overseas. Which is the best card for us. Thank you in advance
      Roland B Bleyer - CreditCard.com.au Founder

      Roland

      12 July 2018
      Hi Jorgen, you will need to meet the minimum income requirements from your SMSF or other income. When you say 6-7k I am assuming this is monthly. No single card is likely to be best for your situation. Though this card is what I suggest. The ANZ Rewards Travel Adventure credit card. It has 0% foreign transaction fees and some nice insurance package. It earns custom ANZ rewards points. This would be best to use when overseas based on this. Westpac charges a 3% fee on their rewards cards overseas. Outside of this for local spend to maximise rewards it will depend on how much you spend. You could still use this ANZ Rewards Travel adventure card if you like but its points earning drops to 0.5 after 2k a month, from 1.5. I like to earn Qantas points but I don't know your preference and also if you can spend on an AMEX. Let me know what type of rewards and whether you can spend on an AMEX and I will suggest something else. Though for O/S the ANZ card is worth the first application.
    Lex

    Lex

    28 June 2018
    Hi Roland, Can you tell me if the complimentary travel insurance covers my wife as well. Is it necessary for her to be a card holder against my card or does she need her own card? Thanks Lex
    Claire

    Claire

    26 June 2018
    I have just received my new Altitude Black credit card. How do I qualify for complimentary passes to Qantas Lounge? Would it apply for domestic & international travel? Thank you.
    John Mcmillan

    John Mcmillan

    23 June 2018
    Is cruising covered?
    tina

    tina

    31 May 2018
    if I pay an annual package fee on my mortgage, does this cover (removes) the annual card fee
      Roland B Bleyer - CreditCard.com.au Founder

      Roland

      1 June 2018
      Hi Tina, yes there is a loan type with Westpac that provides this card at no annual fee. I have a home loan with Westpac and do get this card with no annual fee as part of the package. Speak to Westpac about this and put the application in with them to ensure that you get the fee waived.
    Duc Khiem Pham

    Duc Khiem Pham

    30 May 2018
    Hi,We are travel to America. Please show us how to apply complimentary travel insuranceThanksDuc Khiem Pham
    david

    david

    14 May 2018
    I would want to use this card for the purpose of funding my IG trading account to purchase shares which accepts MC credit as a means of funds. Would this be considered an eligible transaction? would this be considered a cash advance?
      Roland B Bleyer - CreditCard.com.au Founder

      Roland

      14 May 2018
      Hi David, I would say that these should be considered purchases rather than cash advances. It does not mention in the PDS that purchases are shares are ineligible. ‘Cash Equivalent Transaction’ means transfers of funds to or from other financial institutions, foreign exchange transactions, travellers cheque purchases, gambling transactions, utility bills paid in person at a bank or Australia Post or any bills paid using the Card in conjunction with the BPAY scheme (if the billing merchant does not accept credit card payment using the BPAY scheme) and any other transaction that is treated as a cash advance. I would say shares do not fit into this. Have a look at this PDF for more details on the terms for points earning - https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-qantas-frequent-flyer-terms-and-conditions.pdf
    Abdul Samad

    Abdul Samad

    11 May 2018
    Hi Roland, Can you please point me to the best master card offering zero foreign transaction fees and overseas travel insurance.
      Roland B Bleyer - CreditCard.com.au Founder

      Roland

      14 May 2018
      Hi Abdul, I like the ANZ Travel Adventures card. Has some nice bonus points on sign up. Good insurance and points earning on spend plus a range of other good features for travelers.

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