Westpac Altitude Velocity Black
Offer Details
First Year Points
90,000 points
Velocity
Second Year Points
60,000 points
With $295 annual fee
Minimum Spend
$6,000
within 3 months
Ongoing Earn Rate
0.50x points per $1 spent
Fees
First Year Annual Fee
$295
Ongoing Annual Fee
$295
From year 2 onwards
Program Fee
$75
Additional fee for reward program participation
Note: Additional fees may apply for cash advances, foreign transactions, overlimits, and late payments. Check the issuer's terms and conditions for complete fee details.
Benefits
- Lounge Access
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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.
- Lounge Access2 visits/year · Virgin Australia Domestic Lounge
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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
- Seat Upgrades
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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
- Concierge Service
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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
- Shopping Benefits
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Personalised cashback offers via Westpac Extras plus bonus cashback when shopping via the Westpac Lounge on ShopBack, plus other discounts and offers
- Status Credits
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Earns Velocity Points (no Status Credits awarded on Economy X Seat Upgrade voucher redemptions)
- Points Transfer Benefits
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Velocity Points earned are credited directly to the cardholder's Velocity Frequent Flyer account, where they can be redeemed for flights, upgrades and shopping
- Digital Wallet Integration
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Supports Apple Pay, Samsung Pay and Google Pay
- Digital Card Issuance
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Instant Digital Card usable from the moment the account is opened, no need to wait for a physical card
- Online Banking Features
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Westpac App money-management tools including cash flow and spend insights, categories, Cards Hub for managing cards, and Quick Balance
- No Additional Cardholder Fee
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One additional cardholder (16 years or older) can be added at no extra cost
- Interest Free Periods
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Up to 45 days interest-free on purchases when the closing balance is paid in full by the due date; cash advances not covered
- Buy Now Pay Later
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PartPay facility lets eligible purchases be paid over instalments
- Installment Plans
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SmartPlan lets eligible purchases be converted into fixed instalment plans
- Balance Transfer Offers
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Balance transfer facility available
- Travel Insurance
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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
- Purchase Protection Insurance
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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
- Extended Warranty Insurance
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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
- Mobile Phone Insurance
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No standalone mobile phone insurance; mobile phones are covered only as valuables under the International Travel Insurance luggage section
- Rental Vehicle Insurance
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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
- Transit Accident Insurance
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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
Benefit history
- Travel InsuranceUpdated May 2026
- Digital Card IssuanceUpdated May 2026
- Digital Wallet IntegrationUpdated May 2026
- Interest Free PeriodsUpdated May 2026
- No Additional Cardholder FeeUpdated May 2026
- Concierge ServiceUpdated May 2026
- Seat UpgradesUpdated May 2026
- Lounge AccessUpdated May 2026
- Transit Accident InsuranceUpdated May 2026
- Extended Warranty InsuranceUpdated May 2026
- Purchase Protection InsuranceUpdated May 2026
- Rental Vehicle InsuranceUpdated May 2026
I'd like to use my bonus for:
Craig's AnalysisBonus Difficulty
Moderate
●●○$67 per day required
First Year Cost
$370
annual fee + $75 program fee
Earn Rate
Average
●●○○0.50x Velocity points per $1
Travel Benefits
Lounge Access
Two complimentary single-entry Virgin Australia Domestic Lounge Passes each year
Did this help you make a decision?
- Expiration changed from 30/04/24 to 31/07/242 years ago
- Expiration changed from 01/11/23 to 30/04/243 years ago
- Annual fee increased from $300 to $370 (inc Velocity fee)3 years ago
- Offer end date changed to 14th June 2023 reward program fee increasing from $50 to $75 and annual fee increasing from $250 to $295 https://www.westpac.com.au/content/public/wbc/en/personal-banking/credit-cards/reward/reward-card-changes.html3 years ago
- Offer extended to 29th June 20233 years ago