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Re: asked for another year free?
The only reason I've ever had a bank do anything nice is if you are leaving them. I'm thinking you would have to be prepared to leave them/cancel the card before they will go into their "win back" spiel.
Sometimes it is worth allowing the call centre operator the time to suggest another alternative as they have incentives to get you onto their current preferred products.
If you have any lending with Westpac they sometimes will waive the annual fee. I have a fee free Altitude which came as part of their home loan offer.
That's another thought, if you are negotiating any lending or leasing with them that is a good time to request the fee free card - before signing the paperwork.
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