Credit Cards with Digital Card Issuance
Westpac Low Rate Card (Existing Customers)
Westpac points
$59 annual fee
OfferExisting Customers
0 Westpac points
Instant digital card activation and use in the Westpac App from the moment the account is opened, before the physical card arrives.
Spend $7,000 in 210 days
$0 first year annual fee, $59 thereafter
Craig's Take
Easy $33/day spend to hit the bonus. $350 cashback covers the $59 fee.
Read my analysis
Westpac Altitude Qantas Black (Reduced first year annual fee for Westpac Customers)
Qantas points
$295 annual fee
OfferExisting Customers
90,000 Qantas points
Instant Digital Card available from account opening before physical card arrives.
Spend $6,000 in 120 days
$200 first year annual fee, $295 thereafter
Craig's Take
Easy $50/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $1,165
Read my analysis Westpac Altitude Qantas Black
Qantas points
$295 annual fee
Offer
90,000 Qantas points
Instant Digital Card available from account opening before physical card arrives.
Spend $6,000 in 120 days
Craig's Take
Easy $50/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $1,070
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Westpac Altitude Rewards Black (Reduced first year annual fee for Westpac Customers)
Westpac points
$295 annual fee
Offer
100,000 Westpac points
Instant Digital Card available from account opening, before physical card arrives.
Spend $12,000 in 365 days
$99 first year annual fee, $295 thereafter
Craig's Take
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
Read my analysis
Westpac Altitude Velocity Black
Velocity points
$295 annual fee
Offer
90,000 Velocity points
Instant Digital Card available from account opening, allowing use before physical card arrives.
Spend $6,000 in 120 days
Craig's Take
Easy $50/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $1,160
Read my analysis Westpac Altitude Velocity Black (Existing customers)
Velocity points
$295 annual fee
OfferExisting Customers
90,000 Velocity points
Instant Digital Card available from account opening, allowing use before physical card arrives.
Spend $6,000 in 120 days
$200 first year annual fee, $295 thereafter
Craig's Take
Easy $50/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $1,255
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Westpac Altitude Velocity Platinum (Reduced first year annual fee for Westpac Customers)
Velocity points
$175 annual fee
Offer
70,000 Velocity points
Instant Digital Card available from the moment the account is opened, before the physical card arrives.
Spend $4,000 in 90 days
$99 first year annual fee, $175 thereafter
Craig's Take
Easy $44/day spend to hit the bonus. Poor ongoing earn rate.
Est. profit $1,016
Read my analysis Westpac Altitude Velocity Platinum
Velocity points
$175 annual fee
Offer
70,000 Velocity points
Instant Digital Card available from the moment the account is opened, before the physical card arrives.
Spend $4,000 in 90 days
Craig's Take
Easy $44/day spend to hit the bonus. Poor ongoing earn rate.
Est. profit $940
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Westpac Altitude Qantas Platinum
Qantas points
$175 annual fee
Offer
70,000 Qantas points
Instant Digital Card available from account opening before physical card arrives.
Spend $4,000 in 90 days
Craig's Take
Easy $44/day spend to hit the bonus. Poor ongoing earn rate.
Est. profit $870
Read my analysis Westpac Altitude Qantas Platinum (Reduced first year annual fee for Westpac Customers)
Qantas points
$175 annual fee
Offer
70,000 Qantas points
Instant Digital Card available from account opening before physical card arrives.
Spend $4,000 in 90 days
$99 first year annual fee, $175 thereafter
Craig's Take
Easy $44/day spend to hit the bonus. Poor ongoing earn rate.
Est. profit $946
Read my analysis
Westpac Altitude Rewards Platinum
Westpac points
$175 annual fee
Offer
75,000 Westpac points
Instant Digital Card available from account opening before physical card arrives.
Spend $3,000 in 90 days
$99 first year annual fee, $175 thereafter
Craig's Take
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
Read my analysis Westpac Altitude Rewards Platinum (existing customers)
Westpac points
$175 annual fee
Offer
75,000 Westpac points
Instant Digital Card available from account opening before physical card arrives.
Spend $3,000 in 90 days
$49 first year annual fee, $175 thereafter
Craig's Take
Easy $33/day spend to hit the bonus. Average ongoing earn rate.
Read my analysis Westpac Altitude Velocity Black (Velocity Bonus Offer)
Velocity points
$295 annual fee
Offer
120,000 Velocity points
Instant Digital Card available from account opening, allowing use before physical card arrives.
Spend $6,000 in 120 days
Offer Expires in 15 days (2026-03-05)
Craig's Take
Easy $50/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $1,670
Read my analysis Westpac Altitude Velocity Black (Existing customers, Velocity Bonus Offer)
Velocity points
$295 annual fee
OfferExisting Customers
120,000 Velocity points
Instant Digital Card available from account opening, allowing use before physical card arrives.
Spend $6,000 in 120 days
$200 first year annual fee, $295 thereafter
Offer Expires in 15 days (2026-03-05)
Craig's Take
Easy $50/day spend to hit the bonus. Average ongoing earn rate.
Est. profit $1,765
Read my analysis Westpac Altitude Velocity Platinum (Velocity Bonus Offer)
Velocity points
$175 annual fee
Offer
90,000 Velocity points
Instant Digital Card available from the moment the account is opened, before the physical card arrives.
Spend $4,000 in 90 days
Offer Expires in 15 days (2026-03-05)
Craig's Take
Easy $44/day spend to hit the bonus. Poor ongoing earn rate.
Est. profit $1,280
Read my analysis Westpac Altitude Velocity Platinum (Reduced first year, Velocity Bonus Offer)
Velocity points
$175 annual fee
Offer
90,000 Velocity points
Instant Digital Card available from the moment the account is opened, before the physical card arrives.
Spend $4,000 in 90 days
$99 first year annual fee, $175 thereafter
Offer Expires in 15 days (2026-03-05)
Craig's Take
Easy $44/day spend to hit the bonus. Poor ongoing earn rate.
Est. profit $1,356
Read my analysis
CommBank Smart Awards Credit Card (with $2,000 per month spend)
Commbank points
$0 annual fee
Offer
80,000 Commbank points
Instant digital card access available immediately after account establishment in the CommBank app, allowing spending before physical card arrival.
Spend $6,000 in 150 days
Craig's Take
Easy $40/day spend to hit the bonus. Average ongoing earn rate.
Read my analysis