Westpac Altitude Velocity Black
$295 first year annual fee
$75 reward program fee
90,000 points
$6,000 min limit
$75,000 annual income required
0.75 points per dollar
Spend $6,000 in 120 days
Summary
Mid-Tier
Key Highlights
- • 90,000 bonus points
- • $295 annual fee
Offer Details
Signup Bonus
90,000 points
Velocity
Minimum Spend
$6,000
within 4 months
Ongoing Earn Rate
0.75x points per $1 spent
Second Year Bonus
30,000 points
With $295 annual fee
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
Travel Insurance
Up to 6 months complimentary international travel insurance cover when eligibility criteria are met, including prepaying $500 of travel costs and holding a return overseas ticket before departing Australia.
Rental Vehicle Insurance
Rental Vehicle Excess cover in Australia included as part of complimentary insurances.
Purchase Protection Insurance
Up to 4 months purchase protection insurance on eligible purchases as per the Credit Card Complimentary Insurance Policy.
Extended Warranty Insurance
Up to 24 months extended warranty insurance cover in addition to the manufacturer's expressed Australian warranty on eligible purchases.
Transit Accident Insurance
Overseas Transit Accident Insurance covers accidental death or injury when traveling overseas as a passenger on plane, bus, train or shorthaul ferry with tickets purchased on the card.
Lounge Access
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 Access
Two Qantas Club Complimentary Invitations per 12-month period for cardholders earning Qantas Points, valid for Qantas Club and Qantas operated International Business Lounges (excluding some lounges). Invitations available via Qantas Complimentary Invitations Portal.
Seat Upgrades
Two complimentary Economy X Seat Upgrade Vouchers per year for eligible domestic Virgin Australia flights, valid for 12 months from issuance, appearing in Velocity Frequent Flyer account within 10 business days of eligible spend. Vouchers redeemable by calling Virgin Australia Guest Contact Centre.
Concierge Service
Personal Concierge Service available 24/7 for Westpac Altitude Black cardholders to browse and book experiences, purchase hard-to-get tickets, and make last-minute restaurant reservations via westpac.tenconcierge.com or phone 1300 651 999 (option 4).
No Additional Cardholder Fee
One additional cardholder (16 years or older) can be added at no extra cost.
Interest Free Periods
Up to 45 days interest-free period on purchases when the closing balance or monthly payment balance is paid in full by the due date. Cash advances are excluded.
Digital Wallet Integration
Card supports Apple Pay, Samsung Pay, and Google Pay digital wallets.
Digital Card Issuance
Instant Digital Card available from account opening, allowing use before physical card arrives.
Expert Analysis
Bonus Difficulty
Easy
●○○$50 per day required
First Year Cost
$370
annual fee + $75 program fee
Earn Rate
Good
●●●○0.75x Velocity points per $1
Travel Benefits
Lounge Access
Priority Pass membership with two complimentary visits per year (one guest allowed), two Qantas Club Complimentary Invitations per year, and two Virgin Australia Domestic Lounge Passes per year
RWRDS Insight
This analysis is generated using RWRDS algorithms based on current market data, bonus structures, and fee schedules. Values are estimates and actual results may vary. Consider your spending patterns and reward preferences when evaluating offers.
I'd like to use my 94,500 bonus points for:
94,500 Velocity points
0.75 points per dollar
History
26/06/2025
3 changes
Successfully Scraped At:
27/08/2025
Lounge Pass:
Two complimentary Virgin Australia Domestic Lounge Passes each year and two Qant...Priority Pass membership with two complimentary visits per year (one guest allow...
Minimum Credit Limit:
15,0006,000
25/01/2025
4 changes
Lounge Pass:
Two complimentary Virgin Australia Domestic Lounge Passes each year and two Qant...
Expiration Date:
30/04/2025
Minimum Income:
75,000
Interest Rate:
2120.99
- Expiration changed from 30/04/24 to 31/07/24a year ago
- Expiration changed from 01/11/23 to 30/04/242 years ago
- Annual fee increased from $300 to $370 (inc Velocity fee)2 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.html2 years ago
- Offer extended to 29th June 20233 years ago
