$539 after fees

Velocity Points earned are credited directly to the cardholder's Velocity Frequent Flyer account, where they can be redeemed for flights, upgrades and shopping

Covers eligible items charged to the card against theft, accidental damage or permanent loss for 4 months from purchase, up to $10,000 per item ($3,500 for jewellery, watches and new works of art), $135,000 total per 12 months; $300 excess per claim

Extends the manufacturer's Australian warranty by an equal period up to a maximum of 2 years on covered products charged to the card (no cover where the manufacturer's warranty exceeds 5 years), up to $20,000 per product and $20,000 per card account per 12 months; $300 excess per claim

No standalone mobile phone insurance; mobile phones are covered only as valuables under the International Travel Insurance luggage section

Two complimentary single-entry Virgin Australia Domestic Lounge Passes per year, valid for 12 months from issuance, appearing in Velocity Frequent Flyer account within 10 business days of eligible spend.

Two complimentary single-entry Virgin Australia Domestic Lounge passes per year; requires Velocity Frequent Flyer number provided to Westpac and a direct spend with Virgin Australia each year; passes appear in the Velocity account within 10 business days and are valid 12 months

Two complimentary Economy X Seat Upgrade vouchers per year for eligible domestic Virgin Australia flights; requires Velocity Frequent Flyer number and a direct spend with Virgin Australia each year; redeemed by calling Virgin Australia at least 24 hours before the flight

Complimentary International Travel Insurance for up to 6 consecutive months (Level 1 Card) when at least $500 of prepaid travel costs is charged to the card account and a return overseas ticket is held before departure; cover includes unlimited overseas emergency medical and evacuation; eligibility letter available at checkyourcover.com.au/westpac

Rental Vehicle Excess in Australia cover up to the lesser of the excess specified in the rental agreement or $5,500 when the entire rental is charged to the card account; $300 excess per claim. Overseas rental vehicle excess up to $5,500 is also covered under International Travel Insurance

Overseas Transit Accident Insurance covers specified accidental death or injury while boarding, riding or alighting transport overseas when the entire trip is charged to the card before departure; up to $750,000 loss of life per person, $1,300,000 aggregate per event for Level 1 Cards

Personalised cashback offers via Westpac Extras plus bonus cashback when shopping via the Westpac Lounge on ShopBack, plus other discounts and offers

Personal Concierge Service provided by Ten Lifestyle Services for browsing and booking experiences, hard-to-get tickets and last-minute restaurant reservations online; Lifestyle Managers available 24/7 by phone

Earns Velocity Points (no Status Credits awarded on Economy X Seat Upgrade voucher redemptions)

Supports Apple Pay, Samsung Pay and Google Pay

Instant Digital Card usable from the moment the account is opened, no need to wait for a physical card

Westpac App money-management tools including cash flow and spend insights, categories, Cards Hub for managing cards, and Quick Balance

One additional cardholder (16 years or older) can be added at no extra cost

Up to 45 days interest-free on purchases when the closing balance is paid in full by the due date; cash advances not covered

PartPay facility lets eligible purchases be paid over instalments

SmartPlan lets eligible purchases be converted into fixed instalment plans

Balance transfer facility available