Rewards credit cards
Altitude Velocity Black

[Image: Altitude Velocity Black credit card]

Velocity Points

Altitude Velocity Black

Our premier Velocity credit card gets you our highest Velocity Points earn rate as well as complimentary airport lounge access, seat upgrades, insurances and concierge.

Important notice

From 1 October 2026, we’re making changes to the Westpac Credit Cards Complimentary Insurance Policy. Find out more

You could earn up to 150,000 bonus Velocity Points.

See full offer details below.

Already with Westpac? Sign in to apply and get a $200 first year card fee (reverts to $295 p.a. thereafter). A $155 annual Velocity Rewards Program fee still applies.

Earn up to 1.5 Velocity Points per $1 spent on eligible purchases

Offer

Get up to 150,000 bonus Velocity Points

Get up to 150,000 bonus Velocity Points — 90,000 Velocity Points in year 1 if you spend $6k+ on eligible purchases within 90 days of new card approval and an extra 60,000 points with $6k+ spend on eligible purchases within 90 days of card anniversary in year 2.

Already with Westpac? Sign in to apply and get a $200 first year card fee (reverts to $295 p.a. thereafter). A $155 annual Velocity Rewards Program fee still applies.

Offer not available if you’ve held a Westpac credit card in the last 24 months. New cards only. Credit criteria and T&Cs apply.

Apply now

Features

Velocity Points, uncapped - You’ll earn Velocity Points which will be credited directly to you Velocity Frequent Flyer account, where they can be redeemed for flights, upgrades, shopping and more.

Complimentary travel insurances - Access to a range of complimentary travel insurances provided by Allianz Global Assistance.

International cover includes Overseas Emergency Assistance, Overseas Medical & Hospital Expenses, and Personal Liability
Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia covers benefits such as Cancellation, Flight Delay, Lost Luggage and Rental Vehicle Insurance

Terms, conditions, exclusions, limits and applicable sub-limits and eligibility apply.

Upgrade your trip - Not only will you get complimentary Economy X seat Upgrade vouchers each year, you'll get complimentary Virgin domestic lounge passes too. See FAQs for full details and how to redeem.

Up to 45 days interest-free - To give you more opportunity to avoid interest charges on your purchases. Note cash advances aren’t covered by this interest-free period.

Personal Concierge Service - Exclusive to Westpac Altitude Black cardholders, the Personal Concierge Service lets you browse and book experiences online, including hard-to-get tickets, last-minute restaurant bookings and more.

Find out more

Cashback and discounts - With a Westpac credit card, you'll get personalised cashback offers from Westpac Extras, Westpac bonus Cashback when you shop via the Westpac Lounge on ShopBack, plus other discounts and offers from a wide range of shops, in-store and online.

Tools to stay on top - These include options like PartPay, SmartPlan, Balance Transfers, Card Autopay and SMS payment reminders.

Additional cardholder - Add 1 additional cardholder (16 years or older) at no extra cost.

How to earn points?

1.5	Velocity Points per $1 on international spend
0.8	Velocity Points per $1 on everyday spend
0.4	Velocity Points per $1 spend on all other purchases

Once you spend $10,000 in a statement cycle, you will earn 0.25 Velocity Points per $1 on further eligible purchases.

Rates and minimum requirements

New cards only.
Variable purchase rate	23.98% p.a.
Variable cash advance rate	23.99% p.a.
Minimum credit limit	$6,000
Minimum income required	$75,000 p.a.

Fees

New cards only.
Annual card fee	$295
Annual Altitude Velocity Rewards Program fee	$155
Foreign transaction fee	3%Payable as a percentage of the Australian dollar value of any foreign transaction.Applies for transactions in a foreign currency, or in Australian dollars but processed by an overseas merchant or financial institution.Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia. More about this fee.
Cash advance fee	3.5% of the value of the transaction will apply to each cash advance made on your card account.These charges will appear on your credit card statement directly below the relevant cash advance.
Missed payment fee	$20 each statement cycle that the minimum monthly payment is not paid by the statement due date.

For more information about credit card fees.

What you'll need to apply

You must be

Aged 18 or over AND
Live at a fixed Australian address AND
Receive a regular and verifiable Australian taxable income AND

Meet one of the following requirements

An Australian or New Zealand citizen OR
An Australian permanent resident OR
Hold a valid temporary residence visa, with a minimum of 1 year before expiry

Refer to eligible Australian visa (PDF)

You'll need to provide

Proof of income
Current debts and expenses

Two of these ID documents

Passport
Australian driver licence
Medicare card
Australian birth certificate

Frequently asked questions

How do I register for the complimentary lounge passes?

Virgin Australia Domestic Lounge

If you choose Altitude Velocity, you just need to provide us with your Velocity Frequent Flyer number and make a direct spend at Virgin Australia each year from your card open date.The Virgin Australia domestic lounge passes will then be available in your Velocity Frequent Flyer account within 10 business days, ready for you to enjoy the next time you travel domestically with Virgin Australia.

How do I access my Economy X Seat Upgrades?

When you choose Altitude Velocity rewards you can also enjoy 2 Economy X seat upgrades a year, on selected domestic Virgin Australia flights. To receive the upgrades, simply provide us with your Velocity Frequent Flyer number and make a direct spend at Virgin Australia on your Altitude Black Mastercard. Vouchers will then be available in your Velocity Frequent Flyer account within 10 business days.

To redeem your Economy X Seat Upgrade vouchers you must first book an eligible domestic flight directly with Virgin Australia. Once you have booked an eligible domestic flight with Virgin Australia, you will need to call the Virgin Australia Guest Contact Centre on 1300 038 373 to redeem your Economy X Seat Upgrade vouchers.

How does the Complimentary International Travel Insurance work and am I eligible for it?

For full details on how the complimentary travel insurance works go to Westpac Complimentary Travel Insurance website.

What do the complimentary insurances cover?

From 1 October 2026 (where you meet the eligibility criteria) the complimentary credit card insurance will include:

Domestic Travel Insurance

Domestic Travel Insurance covers flights within and between states in Australia. Cover includes Cancellation, Flight Delay, Luggage and Luggage Delay. Please refer to the Westpac Credit Card Domestic Complimentary Insurance Policy Information Booklet (PDF) for full eligibility criteria, terms, conditions and exclusions.

Rental Vehicle Excess Insurance in Australia

Cover if a rental vehicle you have rented from a rental company or agency in Australia is involved in an accident while you’re driving it, or is damaged or stolen while in your custody. Please refer to the Westpac Credit Card Domestic Complimentary Insurance Policy Information Booklet (PDF) for full eligibility criteria, terms, conditions and exclusions.

Complimentary International Medical Travel Insurance

Up to 3 months (subject to your eligible card) Complimentary International Medical Travel Insurance which includes Overseas Medical & Hospital Expenses, Funeral Expenses, Personal Liability and Overseas Emergency Assistance. To have access to cover you must meet all eligibility criteria including, but not limited to $500 minimum spend and activating your insurance before departing Australia. Please refer to the Westpac Credit Card International Travel Insurance, Product Disclosure Statements (PDF) for eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits.

On or before 30 September 2026 (where you meet the eligibility criteria) the credit card complimentary insurance will include:

International Travel Insurance(see policy for details)

Access up to 6 months' complimentary cover for International Travel Insurance when you meet the eligibility criteria as set out in the Credit Card Complimentary Insurance Policy including prepaying $500 of your travel costs to your eligible card and holding a return overseas ticket before departing Australia, (see policy document for full eligibility criteria, terms, conditions, and exclusions).

Overseas Transit Accident Insurance

Overseas Transit Accident Insurance covers against specified accidental death or injury when sustained overseas while riding, boarding or alighting as a passenger in a plane, bus, train or shorthaul ferry when you have purchased the tickets for the entire trip using your Credit Card before you leave (terms, conditions, exclusions and eligibility criteria apply).

Purchase Protection Insurance

Access to up to 4 months Purchase Protection Insurance on eligible purchases, as set out in the Credit Card Complimentary Insurance Policy (terms, conditions, exclusions and eligibility criteria apply).

Extended Warranty Insurance

Up to 24 months extended warranty insurance cover (in addition to the manufacturer's expressed Australian warranty) on a range of personal items purchased using your Credit Card (terms, conditions, exclusions and eligibility criteria apply).

What is the Personal Concierge Service and how does it benefit me?

We've recently partnered with Ten Lifestyle Services. Westpac Altitude Black cardholders will now be able to browse and book experiences with ease, purchase hard-to-get tickets, make last-minute restaurant reservations and more, all online. You can find out more here (https://westpac.tenconcierge.com/), or reach our Lifestyle Managers on 1300 651 999 (option 4) for 24/7 personalised assistance.

What kind of businesses are included in the new ‘everyday spend’ category?

Our 'everyday spend' category consists of 4 sub-categories: supermarkets, department stores, petrol stations and utilities. Below is a list of examples of merchants included in these 4 categories:

Supermarkets include stores such as Woolworths, Coles, IGA, Harris Farm and ALDI
Department stores include stores such as Kmart, Target, Big W, David Jones and Myer
Petrol stations include stores such as 7-Eleven, Shell, Ampol, Caltex and BP
Utilities include payments for water, gas, electricity, internet, mobile and streaming services (excluding BPAY® payments).

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Altitude Velocity Platinum

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Things you should know

Westpac Credit Cards Key Facts Sheet

Credit Card Terms and Conditions (PDF)

Altitude Terms and Conditions (PDF)

Westpac Credit Cards Complimentary Insurance Policy (PDF) – Effective 23 February 2023 (Where you have met the eligibility criteria prior to 1 October 2026)

Westpac Credit Card Domestic Complimentary Insurance Policy Information Booklet (PDF) - Effective 1 October 2026 (where you have met the eligibility criteria on or after 1 October 2026)

Westpac Credit Card International Travel Insurance, Product Disclosure Statements (PDF) - Effective 1 October 2026 (where you have met the eligibility criteria on or after 1 October 2026)

PartPay Card Terms and Conditions (PDF)

ID checklist to become a customer (PDF)

Credit criteria, fees and charges apply. Credit Card Product Switches, upgrades or Westpac group staff are ineligible.

This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.

[1]

Bonus Velocity Points Promotion Altitude Black: Offer commenced 1st May 2026. To be eligible for bonus Velocity Points, you must apply and be approved for a new Altitude Velocity Black credit card before the offer is withdrawn. You will receive an initial 90,000 bonus points if you spend $6k or more on eligible purchases within 90 days of card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria. In your second year, spend a minimum of $6k on eligible purchases within 90 days of your card opened date anniversary, and you'll earn an additional 60,000 bonus points. These additional points will be credited to your points balance within 12 weeks of meeting the spend criteria. If you do not meet the minimum spend in the first year, you forfeit the bonus points for the first year only, however you are still eligible for bonus points in the subsequent year if you meet the minimum spend in the subsequent year during the promotional period. Existing Westpac customers who currently hold an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card, or who have held one in the last 24 months, are not eligible for this offer. Velocity Points earned during a statement cycle are added to your Velocity Points balance on a monthly basis. Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account. Credit Card Product Switches, upgrades or Westpac group staff are ineligible for this offer. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

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[2]

Existing Customers Only - Reduced First year Card Fee for Altitude Velocity Black: Offer commenced 1st May 2026. The discounted first year Card Fee of $200 is available for existing Westpac customers when you apply and are approved for a new Altitude Black credit card before the offer is withdrawn. After the first year, the Card Fee reverts to $295 thereafter, and will be debited to your account annually on the 12-month anniversary of the Card Fee date. A $155 annual Rewards Program Fee still applies for Altitude Velocity if you choose these programs. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

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[3]

Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account.

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[4]

Complimentary travel insurance covers:

AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible persons to claim under it as third party beneficiaries. Access to the benefit of cover under the Credit Card Complimentary Insurance is provided to eligible Westpac cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). If an eligible person wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits contained in the relevant Policy Information Booklet and/or Product Disclosure Statements which may be amended from time to time. This insurance is underwritten by Allianz. Westpac does not guarantee this insurance. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it.

On or before 30 September 2026 (where you meet the eligibility criteria on or before that date) the following Policy Information Booklet will apply: Complimentary Insurance Policy Information booklet (PDF).

From 1 October 2026 the following policy documents will apply: Policy Information Booklet (regarding the Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia) (PDF) and/or Product Disclosure Statements (for the Complimentary International Medical Travel Insurance) (PDF). The Target Market Determination for the Complimentary International Medical Travel Insurance is available at www.allianzpartners.com.au/policies/.

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[5]

Economy X Seat Upgrade Vouchers: Two complimentary Economy X Seat Upgrade Vouchers (for eligible domestic flights only) are available to Westpac Altitude Platinum Mastercard and Westpac Altitude Black Mastercard primary cardholders earning Velocity Points through the Altitude Velocity rewards program. To be eligible, your card account must not be in arrears for more than two consecutive statement cycles in accordance with the Altitude Terms and Conditions, you must have provided Westpac with your Velocity Frequent Flyer number and you have made a direct spend with Virgin Australia (Eligible Spend) on your Altitude Platinum Mastercard or Altitude Black Mastercard every year from card open date. Economy X Seat Upgrade Vouchers are valid for 12 months from date of issuance and will appear on your Velocity Frequent Flyer membership account within 10 business days of meeting Eligible Spend. Economy X Seat Upgrades are available to other passengers travelling on the same itinerary as the primary cardholder. Each Economy X Seat Upgrade Voucher can only be redeemed on an eligible non-stop Virgin Australia operated domestic Australian flight. The Economy X Upgrade Voucher is valid per single flight sector only. All Economy X Seat Upgrade Voucher redemptions are subject to availability. No Velocity Points or Status Credits will be awarded for Economy X Seat Upgrade Voucher redemptions. To redeem, book an eligible domestic flight with Virgin Australia on your Altitude Velocity Mastercard and then call the Virgin Australia Guest Contact Centre on 1300 038 373 at least 24 hours prior to your flight to apply your Economy X Seat Upgrade. All Economy X Seat Upgrade Voucher redemptions are subject to availability and neither Virgin Australia nor Westpac guarantee that Economy X seats will be available on the flight you may wish to redeem on. All travel is subject to the Economy X standard Terms and Conditions and the Virgin Australia Fare Conditions and Virgin Australia Conditions of Carriage as amended from time to time.

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[6]

Virgin Australia Domestic Lounge Passes Two complimentary single-entry Virgin Australia Domestic Lounge Passes are available to Westpac Altitude Velocity Black Mastercard cardholders each year. To be eligible, your card account must not be in arrears for more than two consecutive statement cycles in accordance with the Altitude Terms and Conditions (PDF), you must have provided Westpac with your Velocity Frequent Flyer number and you have made a direct spend with Virgin Australia every year on your Altitude Velocity Black Mastercard from your card open date. You will become eligible upon card activation in your first year and then each anniversary thereafter. Virgin Australia Lounge Passes are valid for 12 months from date of issuance and will appear on your Velocity Frequent Flyer membership account within 10 business days of meeting eligible spend. Virgin Australia lounge is operated by Virgin Australia Airlines Pty Ltd in selected domestic airport locations and entry is subject to the Westpac Altitude Velocity Black Mastercard Lounge Pass Conditions and Virgin Australia Lounge Terms and Conditions which are subject to change from time to time.

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[7]

Interest free period is available when you pay the Closing Balance (or the Monthly Payment Balance if you have a Balance Transfer, a SmartPlan or a PartPay Card) in full by the payment due date.

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[8]

Additional cardholder: An additional credit card can be issued on the primary cardholder’s account to any nominated person 16 years or over. All transactions using the additional credit card will be the responsibility of the primary cardholder. All Altitude, Velocity or Qantas Points remain the benefit of the primary cardholder. No additional cardholders allowed on Flex Card.

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[9]

If you choose to make any payment in any category using an intermediary service (such as Afterpay, PayPal or similar services), these transactions will be categorised as 'all other purchases'. We classify transactions using information provided to us by the card scheme (Visa or Mastercard), which tells us about the main type of business conducted by the Merchant.

Return to footnote 9

Rewards Points: The earning and redemption of Velocity Points are subject to the Altitude Terms and Conditions (PDF). Purchases that are not eligible to earn Rewards Points are set out in the Altitude Terms and Conditions (PDF). You do not receive points if you have not paid the Minimum Payment Due in full and on time and in other circumstances. Points earnt for PartPay (PDF) Purchases are based on the full value of the purchase, and not on each instalment amount. Velocity Points earned during a statement cycle are added to your respective Points balance on a monthly basis.

Altitude Velocity: To earn and redeem points, you must be a member of the applicable Frequent Flyer program. Annual Rewards Program fees apply and vary by rewards program. See the applicable card's product page for details.

Concierge Services for Altitude Black. Concierge services are provided by a third party supplier. For further details including terms and conditions visit westpac.tenconcierge.com.

Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

BPAY® is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518.

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