Westpac Altitude Velocity Platinum

Snapshot 40 · Offer 110 · Offer status now: ended

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Read full saved wording and terms

Changes to the captured page text and terms, compared with snapshot 38 from 2024-11-01 10:16:58.000 UTC.

Removed text is marked −. Added text is marked +. Unchanged text can be expanded. This compares saved Markdown, including source links and terms. Images and known navigation are omitted from this comparison.

− Removed

Skip to main content Skip to main navigation

+ Added

[Skip to main content](#content) [Skip to main navigation](#main-nav) [Skip to access and inclusion page](https://www.westpac.com.au/web-accessibility) [Skip to search input](#search)

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− Removed

Skip to access and inclusion page [/web-accessibility] Skip to search input
Toggle menu here Menu
   
 * Contact us [/contact-us?fid=GL:GPH:None:wbc:www:contact-us]
 * Locate us [/locateus?fid=GL:GPH:None:wbc:www:locateus]
 * Lost or stolen cards
   [/personal-banking/online-banking/making-the-most/lost-stolen-card?fid=GL:GPH:None:wbc:www:pers:online-banking:making-the-most:lost-stolen-card]
 * Register

+ Added

* [Personal](https://www.westpac.com.au/personal-banking)
* [Credit cards](https://www.westpac.com.au/personal-banking/credit-cards)
* [Rewards credit cards](https://www.westpac.com.au/personal-banking/credit-cards/reward)
* Altitude Velocity Platinum

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− Removed

 * Online Banking – Personal
   [/personal-banking/online-banking/getting-started?fid=GL:GPH:None:wbc:www:pers:online-banking:getting-started]
 * Online Banking – Business
   [/business-banking/online-banking/register?fid=GL:GPH:None:wbc:www:bus:online-banking:setting-up]
 * Corporate Online
   [/corporate-banking/corporate-online?fid=GL:GPH:None:wbc:www:corp:corporate-online]
 * Westpac Share Trading
   [/personal-banking/investments/share-trading?fid=GL:GPH:None:wbc:www:pers:investments:share-trading]
 * WinTrade [/business-banking/wintrade?fid=GL:GPH:None:wbc:www:bus:wintrade]
 * View all online services
   [/all-online-services?fid=GL:GPH:None:wbc:www:all-online-services]

+ Added

# Altitude Velocity Platinum

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− Removed

Westpac home page Westpac logo [/]
Search Close
Search mic Go
Sign in Online Banking - Personal Online Banking - Business Corporate Online
Westpac Share Trading Westpac Margin Lending WinTrade View all online services
Sign in
[https://banking.westpac.com.au/wbc/banking/handler?TAM_OP=login&segment=personal]
Close Close House [/]
 * Keyhole Sign in
 * Person Personal
 * Business Person Business
 * Office Corporate
 * About Us About us
 * Help Help

+ Added

Earn Velocity Points directly into your Velocity Frequent Flyer account and enjoy Platinum credit card benefits.

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− Removed

 * Sign in Sign in
    * All Sign in [/all-online-services]
   
    * * Online Banking - Personal
        [https://banking.westpac.com.au/wbc/banking/handler?TAM_OP=login&segment=personal]
      * Online Banking - Business
        [https://banking.westpac.com.au/wbc/banking/handler?TAM_OP=login&segment=business]
      * Corporate Online [https://online.corp.westpac.com.au/]

+ Added

Apply now 
* [Already with Westpac ](https://www.ui.westpac.com.au/origin/etb0/content/secure-pers/credit-cards/velocity-rewards/altitude-velocity-platinum/summary "Already with Westpac")
* [Not yet with us](https://www.westpac.com.au/personal-banking/credit-cards/reward/altitude-velocity-platinum/summary "Not yet with us")

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− Removed

 * Home Home [/]
 * Personal Personal
    * All Personal [/personal-banking]
   
    * * Margin Lending [/personal-banking/margin-lending]
      * Bank accounts [/personal-banking/bank-accounts]
      * Home loans [/personal-banking/home-loans]
      * Credit cards [/personal-banking/credit-cards]
      * Personal loans [/personal-banking/personal-loans]
      * International & Travel [/personal-banking/travel-centre]
      * Insurance [/personal-banking/insurance]
    * * Superannuation [/personal-banking/superannuation]
      * Investments [/personal-banking/investments]
      * Share Trading [/personal-banking/share-trading]
      * Westpac Private Bank [/personal-banking/private-banking-services]
      * Services [/personal-banking/services]
      * Westpac Online Banking [/personal-banking/online-banking]
      * Ways to pay [/personal-banking/mobile-wallets]

+ Added

Apply now 
* [Already with Westpac](https://www.cmsservices.westpac.com.au/app/banking/deeplink?screenId=externalRedirectorWithParams¶m0=contentspa¶m1=secure-pers%28%5F$%29credit-cards%28%5F$%29velocity-rewards%28%5F$%29altitude-velocity-platinum%28%5F$%29summary&targetpath=https%3A%2F%2Fwww.ui.westpac.com.au%2Forigin%2Fetb0%2Fcontent%2Fsecure-pers%2Fcredit-cards%2Fvelocity-rewards%2Faltitude-velocity-platinum%2Fsummary "Already with Westpac")
* [Not yet with us](https://www.westpac.com.au/personal-banking/credit-cards/reward/altitude-velocity-platinum/summary "Not yet with us")

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− Removed

 * Business Business
    * All Business [/business-banking]
   
    * * Bank accounts [/business-banking/bank-accounts]
      * Savings accounts [/business-banking/savings-accounts]
      * Credit cards [/business-banking/credit-cards]
      * Loans and finance [/business-banking/loans-finance]
      * EFTPOS & eCommerce [/business-banking/merchants-and-payments]
      * Insurance for Businesses [/business-banking/insurance]
      * FX & International [/business-banking/international-trade]
      * Industry specific banking [/business-banking/industries]
    * * Online Banking for Business [/business-banking/online-banking]
      * Help for your business [/business-banking/help-for-your-business]
      * Current offers [/business-banking/current-offers]
      * Business Term Deposit [/business-banking/term-deposits]
      * Bank Guarantee [/business-banking/bank-guarantee]
      * Transaction accounts [/business-banking/transaction-accounts]
      * Business digital wallets [/business-banking/mobile-wallets]
      * Business setup help [/business-banking/business-setup]

+ Added

exclusive viewBox="0 0 27 37" style="enable-background:new 0 0 27 37;" xml:space="preserve">exclusive

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− Removed

 * Corporate Corporate
    * All Corporate [/corporate-banking]
   
    * * Corporate & institutional [/corporate-banking/corporate-institutional]
      * Transaction banking [/corporate-banking/transactional-banking]
      * Financial markets [/corporate-banking/financial-markets]
      * ESG [/corporate-banking/esg-environmental-social-governance]
    * * Corporate & structured finance
        [/corporate-banking/corporate-and-structured-finance]
      * Trade & supply chain finance
        [/corporate-banking/trade-supply-chain-finance]
      * Corporate Online [/corporate-banking/corporate-online]
      * Westpac IQ [/corporate-banking/westpaciq]

+ Added

## Up to 80,000 bonus Velocity Points

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− Removed

 * About us About us
    * All About us [/about-westpac]
   
    * * Indigenous [/about-westpac/indigenous]
      * Westpac Group [/about-westpac/westpac-group]
      * Investor Centre [/about-westpac/investor-centre]
      * Media centre [/about-westpac/media]
      * Westpac Wire [/about-westpac/westpac-wire]
      * Careers [/about-westpac/careers]
    * * Sustainability [/about-westpac/sustainability]
      * Our Foundations [/about-westpac/our-foundations]
      * Global locations [/about-westpac/global-locations]
      * Inclusion & diversity [/about-westpac/inclusion-and-diversity]
      * Innovation [/about-westpac/innovation]

+ Added

Star1 Already with Westpac? Sign in to apply for a $49 card fee for the first year^^

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− Removed

 * Help Help
    * All Help [/help]
   
    * * Contact us [/help/contact-us]
      * Locate us [/help/locate-us]
      * Ways to bank [/help/ways-to-bank]
      * Lost or stolen cards [/help/lost-stolen-card]
      * Frequently asked questions [/help/faq]
      * Life moments [/help/lifemoments]
      * Community [/help/community]
    * * Indigenous & Remote Banking [/help/indigenous-banking]
      * Support with tough times [/help/difficult-circumstances]
      * Disaster help [/help/disaster-help]
      * Security [/help/security]
      * Master your money [/help/master-your-money]
      * Making things right [/help/remediation]
      * Gambling [/help/gambling]

+ Added

####

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− Removed

 * Rewards cards [/personal-banking/credit-cards/reward]
   * Altitude Rewards Platinum
     [/personal-banking/credit-cards/reward/altitude-platinum]
   * Altitude Rewards Black
     [/personal-banking/credit-cards/reward/altitude-black]
   * Altitude Qantas Platinum
     [/personal-banking/credit-cards/reward/altitude-qantas-platinum]
   * Altitude Qantas Black
     [/personal-banking/credit-cards/reward/altitude-qantas-black]
   * Altitude Velocity Platinum
     [/personal-banking/credit-cards/reward/altitude-velocity-platinum]
   * Altitude Velocity Black
     [/personal-banking/credit-cards/reward/altitude-velocity-black]

+ Added

Get up to **80,000 bonus Velocity Points**++ — 60,000 Velocity Points in year 1 if you spend $4k+ on eligible purchases† within 90 days of new card approval and an extra 20,000 points after your first eligible purchase in year 2.

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− Removed

 * Back

+ Added

Plus, a **reduced first year card fee of $119**### (reverts to $175 p.a. thereafter).  
  
**Already with Westpac?** Sign in to apply for a **$49^^ card fee for the first year** (reverts to $175 p.a. thereafter).**** A $75 annual Velocity Rewards Program fee still applies.

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 * Rewards cards
    * All Rewards cards [/personal-banking/credit-cards/reward/]
   
    * * Altitude Rewards Platinum
        
        Pick up our Altitude Rewards Platinum credit card to earn uncapped
        Westpac Altitude Points as well as enjoy additional rewards benefits.
        Apply online.
        
        [/personal-banking/credit-cards/reward/altitude-platinum/]
      * Altitude Rewards Black
        
        Pick up our Altitude Rewards Black credit card to earn uncapped Westpac
        Altitude points as well as enjoy additional rewards benefits. Apply
        online.
        
        [/personal-banking/credit-cards/reward/altitude-black/]
      * Altitude Qantas Platinum
        
        Pick up our Altitude Qantas Rewards Platinum credit card to earn Qantas
        Points as well as enjoy additional rewards benefits. Apply online.
        
        [/personal-banking/credit-cards/reward/altitude-qantas-platinum/]
      * Altitude Qantas Black
        
        Pick up our Altitude Qantas Rewards Black credit card to earn Qantas
        Points as well as enjoy additional rewards benefits. Apply online.
        
        [/personal-banking/credit-cards/reward/altitude-qantas-black/]
      * Altitude Velocity Platinum
        
        Pick up our Altitude Velocity Rewards Platinum credit card to earn
        uncapped Velocity Points as well as enjoy additional rewards benefits.
        Apply online.
        
        [/personal-banking/credit-cards/reward/altitude-velocity-platinum/]
      * Altitude Velocity Black
        
        Pick up our Altitude Velocity Rewards Black credit card to earn uncapped
        Velocity Points as well as enjoy additional rewards benefits. Apply
        online.
        
        [/personal-banking/credit-cards/reward/altitude-velocity-black/]

+ Added

Offer not available if you’ve held an Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas or Velocity in the last 24 months. T&Cs apply.

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− Removed

 * Personal [/personal-banking]
 * Credit cards [/personal-banking/credit-cards]
 * Rewards credit cards [/personal-banking/credit-cards/reward]
 * Altitude Velocity Platinum

+ Added

[Already with Westpac? Sign in to apply](https://www.ui.westpac.com.au/origin/etb0/content/secure-pers/credit-cards/velocity-rewards/altitude-velocity-platinum/summary) [Already with Westpac? Sign in to apply](https://www.cmsservices.westpac.com.au/app/banking/deeplink?screenId=externalRedirectorWithParams¶m0=contentspa¶m1=secure-pers%28%5F$%29credit-cards%28%5F$%29velocity-rewards%28%5F$%29altitude-velocity-platinum%28%5F$%29summary&targetpath=https%3A%2F%2Fwww.ui.westpac.com.au%2Forigin%2Fetb0%2Fcontent%2Fsecure-pers%2Fcredit-cards%2Fvelocity-rewards%2Faltitude-velocity-platinum%2Fsummary) [Not yet with us? Apply here](https://www.westpac.com.au/personal-banking/credit-cards/reward/altitude-velocity-platinum/summary) [Not yet with us? Apply here](https://www.westpac.com.au/personal-banking/credit-cards/reward/altitude-velocity-platinum/summary)

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[/content/dam/public/wbc/images/personal/credit-cards/wbc-w_p_altitude-platinum-header-900x342.jpg]

+ Added

## At a glance

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− Removed

ALTITUDE VELOCITY PLATINUM

+ Added

| **$175**         | Annual card fee                              |
| ---------------- | -------------------------------------------- |
| **$75**          | Annual Altitude Velocity Rewards Program fee |
| **20.99% p.a.**  | Variable purchase rate                       |
| **21.99% p.a.**  | Variable cash advance rate                   |
| **$6,000**       | Minimum credit limit                         |
| **$30,000 p.a.** | Minimum income required                      |
| **0.5**          | Points6 per $ on all eligible purchases†     |

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− Removed

Earn Velocity Points directly into your Velocity Frequent Flyer account and
enjoy Platinum credit card benefits.
Apply now
 * Already with Westpac
   [https://www.ui.westpac.com.au/origin/etb0/content/secure-pers/credit-cards/velocity-rewards/altitude-velocity-platinum/summary]
 * Not yet with us
   [/personal-banking/credit-cards/reward/altitude-velocity-platinum/summary]

Apply now
 * Already with Westpac
   [https://www.cmsservices.westpac.com.au/app/banking/deeplink?screenId=externalRedirectorWithParams&param0=contentspa&param1=secure-pers(_$)credit-cards(_$)velocity-rewards(_$)altitude-velocity-platinum(_$)summary&targetpath=https%3A%2F%2Fwww.ui.westpac.com.au%2Forigin%2Fetb0%2Fcontent%2Fsecure-pers%2Fcredit-cards%2Fvelocity-rewards%2Faltitude-velocity-platinum%2Fsummary]
 * Not yet with us
   [/personal-banking/credit-cards/reward/altitude-velocity-platinum/summary]

exclusive viewBox="0 0 27 37" style="enable-background:new 0 0 27 37;"
xml:space="preserve">exclusive

UP TO 80,000 BONUS VELOCITY POINTS

Star1 Already with Westpac? Sign in to apply for a $49 card fee for the first
year^^

Get up to 80,000 bonus Velocity Points++ — 60,000 Velocity Points in year 1 if
you spend $4k+ on eligible purchases† within 90 days of new card approval and an
extra 20,000 points after your first eligible purchase in year 2.

Plus, a reduced first year card fee of $119* (reverts to $175 thereafter).

Already with Westpac? Sign in to apply for a $49^^ card fee for the first
year (reverts to $175 thereafter).  A $75 annual Velocity Rewards Program
fee still applies.

Offer not available if you’ve held an Altitude Platinum or Altitude Black card
with Altitude Rewards, Qantas or Velocity in the last 24 months. T&Cs apply.

Already with Westpac? Sign in to apply
[https://www.ui.westpac.com.au/origin/etb0/content/secure-pers/credit-cards/velocity-rewards/altitude-velocity-platinum/summary]
Already with Westpac? Sign in to apply
[https://www.cmsservices.westpac.com.au/app/banking/deeplink?screenId=externalRedirectorWithParams&param0=contentspa&param1=secure-pers(_$)credit-cards(_$)velocity-rewards(_$)altitude-velocity-platinum(_$)summary&targetpath=https%3A%2F%2Fwww.ui.westpac.com.au%2Forigin%2Fetb0%2Fcontent%2Fsecure-pers%2Fcredit-cards%2Fvelocity-rewards%2Faltitude-velocity-platinum%2Fsummary]
Not yet with us? Apply here
[/personal-banking/credit-cards/reward/altitude-velocity-platinum/summary] Not
yet with us? Apply here
[/personal-banking/credit-cards/reward/altitude-velocity-platinum/summary]

AT A GLANCE

$175 

Annual card fee

$75
Annual Altitude Velocity Rewards Program fee 20.99% p.a.
Variable purchase rate 21.99% p.a. Variable cash advance rate $6,000
Minimum credit limit  $30,000 p.a. Minimum income required 0.5 Points6 per $ on
all eligible purchases†

2 unchanged lines

New cards only. See below for standard rates and fees.

− Removed

Westpac Platinum rewards credit card
[/content/dam/public/wbc/images/personal/credit-cards/wbc_misc_p_credit-cards_altitude-platinum-velocity_588x383.png]
[/content/dam/public/wbc/images/personal/credit-cards/rewards-programs/wbc-velocity-frequent-flyer_384x160.png]

+ Added

## Why choose Altitude Velocity Platinum?

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WHY CHOOSE ALTITUDE VELOCITY PLATINUM?

+ Added

You’ll earn Velocity Points which will be credited directly to you Velocity Frequent Flyer account. There they can be redeemed for flights, upgrades, shopping and more. You'll also get two Economy X Seat Upgrade Vouchers each year for selected domestic Virgin Australia flights7.

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− Removed

You’ll earn Velocity Points which will be credited directly to you Velocity
Frequent Flyer account. There they can be redeemed for flights, upgrades,
shopping and more. You'll also get two Economy X Seat Upgrade Vouchers each year
for selected domestic Virgin Australia flights7.

+ Added

_Available when you spend with Virgin Australia on your Mastercard. See FAQs for details._

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Available when you spend with Virgin Australia on your Mastercard. See FAQs for
details.

+ Added

### Economy X Seat Upgrade Vouchers

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− Removed

[/content/dam/public/wbc/images/personal/credit-cards/wbc_clp_p_cc_velocity-seat-upgrades_356x200.png]

+ Added

Each year you'll get two of these complimentary vouchers to use on selected domestic Virgin Australia flights7. _Available when you spend with Virgin Australia on your Mastercard. See FAQs for details._

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− Removed

ECONOMY X SEAT UPGRADE VOUCHERS

+ Added

### Complimentary Insurances

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− Removed

Each year you'll get two of these complimentary vouchers to use on selected
domestic Virgin Australia flights7. Available when you spend with Virgin
Australia on your Mastercard. See FAQs for details.

+ Added

Access to Interstate Flight Inconvenience Insurance and Rental Vehicle Excess in Australia cover, up to 3 months’ complimentary cover for international travel insurance, plus extended warranty, purchase protection for up to 4 months and overseas transit accident insurance. (terms, conditions, exclusions and eligibility criteria apply).4

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[/content/dam/public/wbc/images/personal/credit-cards/wbc_clp_p_cc_complimentary-insurance_356x200.jpg]

+ Added

### Split purchases into 4 payments

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COMPLIMENTARY INSURANCES

+ Added

Take advantage of the PartPay feature on your credit card account to split purchases into 4 payments over 6 weeks. Just turn on to start using.

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− Removed

Access to Interstate Flight Inconvenience Insurance and Rental Vehicle Excess in
Australia cover, up to 3 months’ complimentary cover for international travel
insurance, plus extended warranty, purchase protection for up to 4 months and
overseas transit accident insurance. (terms, conditions, exclusions and
eligibility criteria apply). 4

+ Added

* [Tell me more](https://www.westpac.com.au/personal-banking/credit-cards/partpay)

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− Removed

[/content/dam/public/wbc/images/personal/credit-cards/partpay/wbc-clp_partpay-356x200.jpg]

+ Added

## Other reasons to choose

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SPLIT PURCHASES INTO 4 PAYMENTS

+ Added

[Up to 45 days interest-free](#tab1)

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− Removed

Take advantage of the PartPay feature on your credit card account to split
purchases into 4 payments over 6 weeks. Just turn on to start using.

+ Added

To give you more opportunity to avoid interest charges on your purchases2. Note cash advances aren’t covered by this interest-free period.

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− Removed

 * Tell me more [/personal-banking/credit-cards/partpay]

+ Added

[No card? No problem ](#tab2)

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− Removed

OTHER REASONS TO CHOOSE

+ Added

On top of Apple Pay, Samsung PayTM and Google Pay, you can use our Instant Digital Card from the moment your account is opened. No need to wait for a physical card.

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− Removed

Up to 45 days interest-free

+ Added

[Additional cardholder](#tab3)

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− Removed

To give you more opportunity to avoid interest charges on your purchases2. Note
cash advances aren’t covered by this interest-free period. 

No card? No problem

On top of Apple Pay, Samsung PayTM and Google Pay, you can use our Instant
Digital Card from the moment your account is opened. No need to wait for a
physical card.

Additional cardholder

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Add 1 additional cardholder (16 years or older) at no extra cost5.

− Removed

Cashback and discounts

+ Added

[Cashback and discounts](#tab4)

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With a Westpac credit card, you'll get personalised cashback offers from Westpac
Extras [/personal-banking/credit-cards/westpac-extras], Westpac bonus Cashback
when you shop via the Westpac Lounge
[/personal-banking/online-banking/making-the-most/rewards-and-offers/offers/shopback]
on ShopBack, plus other discounts and offers from a wide range of shops,
in-store and online.

+ Added

With a Westpac credit card, you'll get personalised cashback offers from [Westpac Extras](https://www.westpac.com.au/personal-banking/credit-cards/westpac-extras), Westpac bonus Cashback when you shop via the [Westpac Lounge](https://www.westpac.com.au/personal-banking/online-banking/making-the-most/rewards-and-offers/offers/shopback) on ShopBack, plus other discounts and offers from a wide range of shops, in-store and online.

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Fraud protection

+ Added

[Fraud protection](#tab5)

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From verifying suspicious transactions to our fraud money back guarantee, we aim
to keep you protected [/security/westpac-protect-centre].

+ Added

From verifying suspicious transactions to our fraud money back guarantee, we aim to keep you [protected](https://www.westpac.com.au/security/westpac-protect-centre).

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− Removed

Tools to stay on top

+ Added

[Tools to stay on top](#tab6)

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− Removed

These include options like PartPay
[/personal-banking/credit-cards/partpay], SmartPlan
[/personal-banking/credit-cards/smartplan], Balance Transfers
[/personal-banking/solutions/staying-credit-smart/using-balance-transfers/how-to-do-a-balance-transfer], Card
Autopay [/personal-banking/online-banking/making-the-most/card-autopay] and SMS
payment reminders [/faq/credit-card-reminder-set-up-app].

+ Added

These include options like [PartPay](https://www.westpac.com.au/personal-banking/credit-cards/partpay), [SmartPlan](https://www.westpac.com.au/personal-banking/credit-cards/smartplan), [Balance Transfers](https://www.westpac.com.au/personal-banking/solutions/staying-credit-smart/using-balance-transfers/how-to-do-a-balance-transfer), [Card Autopay](https://www.westpac.com.au/personal-banking/online-banking/making-the-most/card-autopay) and [SMS payment reminders](https://www.westpac.com.au/faq/credit-card-reminder-set-up-app).

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Master your money within the Westpac App
[/content/dam/public/wbc/images/personal/bank-accounts/PFM_Categories_2.gif]

+ Added

## Take control of your money within the Westpac App

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TAKE CONTROL OF YOUR MONEY WITHIN THE WESTPAC APP

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Powerful money management tools in the palm of your hand.

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GET SPEND AND CASH FLOW INSIGHTS

+ Added

##### Get spend and cash flow insights

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− Removed

Track your month-to-month Cash flow
[https://www.westpac.com.au/personal-banking/online-banking/insights-hub/spend-insights-and-budgeting-tools/]
and spot areas where you could be making savings with your spend sorted in
Categories
[https://www.westpac.com.au/personal-banking/online-banking/insights-hub/spend-insights-and-budgeting-tools/].

+ Added

Track your month-to-month [Cash flow](https://www.westpac.com.au/personal-banking/online-banking/insights-hub/spend-insights-and-budgeting-tools/) and spot areas where you could be making savings with your spend sorted in [Categories](https://www.westpac.com.au/personal-banking/online-banking/insights-hub/spend-insights-and-budgeting-tools/).

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− Removed

MANAGE YOUR CARDS IN ONE PLACE

+ Added

##### Manage your cards in one place

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− Removed

Order a new card, change your pin or temporarily lock your card if you misplace
it, all in the app’s convenient Cards Hub
[https://www.westpac.com.au/personal-banking/online-banking/making-the-most/cards-hub/].

+ Added

Order a new card, change your pin or temporarily lock your card if you misplace it, all in the app's convenient [Cards Hub](https://www.westpac.com.au/personal-banking/online-banking/making-the-most/cards-hub/).

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− Removed

VIEW AND TRANSFER FUNDS FAST

+ Added

##### View and transfer funds fast

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− Removed

Quick Balance
[https://www.westpac.com.au/personal-banking/online-banking/making-the-most/quick-balance/]
lets you view the balance of three main accounts and quickly transfer money
without signing in.

+ Added

[Quick Balance](https://www.westpac.com.au/personal-banking/online-banking/making-the-most/quick-balance/) lets you view the balance of three main accounts and quickly transfer money without signing in.

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− Removed

Explore our in-app's budgeting tools Refresh
[https://www.westpac.com.au/personal-banking/online-banking/insights-hub/spend-insights-and-budgeting-tools/]
Explore our in-app's budgeting tools Refresh
[https://www.westpac.com.au/personal-banking/online-banking/insights-hub/spend-insights-and-budgeting-tools/]

+ Added

[Explore our in-app's budgeting tools Refresh ](https://www.westpac.com.au/personal-banking/online-banking/insights-hub/spend-insights-and-budgeting-tools) [Explore our in-app's budgeting tools Refresh ](https://www.westpac.com.au/personal-banking/online-banking/insights-hub/spend-insights-and-budgeting-tools)

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− Removed

STANDARD RATES AND FEES

+ Added

## Standard rates and fees

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− Removed

New cards only

+ Added

New cards only

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− Removed

Follow these tips to minimise credit card fees and charges
[/personal-banking/credit-cards/manage/fees-interest/minimising-fees].

+ Added

[Follow these tips to minimise credit card fees and charges](https://www.westpac.com.au/personal-banking/credit-cards/manage/fees-interest/minimising-fees).

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− Removed

Annual card fee

+ Added

| Annual card fee            | $175                                                                                                                                                                                                                                                                                                                                                                                                                                                                                |
| -------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Annual Rewards Program fee | Altitude Velocity: $75                                                                                                                                                                                                                                                                                                                                                                                                                                                              |
| 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](https://www.westpac.com.au/personal-banking/credit-cards/manage/fees-interest/minimising-fees). |
| Cash advance fee           | 3% 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         | $15 each statement cycle that the minimum monthly payment is not paid by the statement due date.                                                                                                                                                                                                                                                                                                                                                                                    |

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− Removed

$175

+ Added

## Alternative credit cards

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− Removed

Annual Rewards Program fee Altitude Velocity: $75

+ Added

#### Compare our Velocity Credit Cards

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− Removed

Foreign transaction fee

+ Added

Compare features such as annual card fees, points earn rates and minimum credit limits to help you decide which Velocity Rewards credit card is right for you.

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− Removed

3%

+ Added

[Compare our Velocity Rewards Credit Cards](https://www.westpac.com.au/personal-banking/credit-cards/velocity-credit-cards)

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− Removed

Payable as a percentage of the Australian dollar value of any foreign
transaction.

+ Added

[](https://www.westpac.com.au/personal-banking/credit-cards/reward)

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− Removed

Applies for transactions in a foreign currency, or in Australian dollars but
processed by an overseas merchant or financial institution.

+ Added

[View all Rewards cards](https://www.westpac.com.au/personal-banking/credit-cards/reward)

1 unchanged line

− Removed

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
[/personal-banking/credit-cards/manage/fees-interest/minimising-fees].

+ Added

[](https://www.westpac.com.au/personal-banking/credit-cards/low-fee)

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− Removed

Cash advance fee

+ Added

[View Low Fee cards](https://www.westpac.com.au/personal-banking/credit-cards/low-fee)

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− Removed

3% of the value of the transaction will apply to each cash advance made on your
card account.

+ Added

[](https://www.westpac.com.au/personal-banking/credit-cards)

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− Removed

These charges will appear on your credit card statement directly below the
relevant cash advance.

+ Added

[View all cards](https://www.westpac.com.au/personal-banking/credit-cards)

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− Removed

Missed payment fee $15 each statement cycle that the minimum monthly payment is
not paid by the statement due date.

+ Added

## Frequently asked questions

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− Removed

ALTERNATIVE CREDIT CARDS

+ Added

[How does the Complimentary International Travel Insurance work and am I eligible for it?](#tab1)

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− Removed

COMPARE OUR VELOCITY CREDIT CARDS

+ Added

You can obtain written confirmation of eligibility for cover for your overseas journey from the issuer of the insurance, 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, based on the answers you give AGA, by applying online at: [checkyourcover.com.au/westpac](https://travel.agaassistance.com.au/westpac/travel-insurance). If you provide AGA with incorrect answers to the questions we ask you, you may not be eligible for cover under the group policy issued to Westpac.4

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− Removed

Compare features such as annual card fees, points earn rates and minimum credit
limits to help you decide which Velocity Rewards credit card is right for you.

+ Added

[What do the complimentary insurances cover?](#tab2)

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− Removed

Compare our Velocity Rewards Credit Cards
[/personal-banking/credit-cards/velocity-credit-cards]

+ Added

##### International Travel Insurance4(see policy for details)

1 unchanged line

− Removed

[/content/dam/public/wbc/images/personal/credit-cards/wbc_misc_p_credit-cards-selector-altitude-black.png]
[/personal-banking/credit-cards/reward]

+ Added

Access to up to 3 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).

1 unchanged line

− Removed

View all Rewards cards [/personal-banking/credit-cards/reward]

+ Added

##### Overseas Transit Accident Insurance4

1 unchanged line

− Removed

[/content/dam/public/wbc/images/personal/credit-cards/wbc_misc_p_credit-cards-selector-low-fee.png]
[/personal-banking/credit-cards/low-fee]

+ Added

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).

1 unchanged line

− Removed

View Low Fee cards [/personal-banking/credit-cards/low-fee]

+ Added

##### Purchase Protection Insurance4

1 unchanged line

− Removed

[/content/dam/public/wbc/images/personal/credit-cards/wbc_misc_p_credit-cards-selector-low-fee-platinum.png]
[/personal-banking/credit-cards]

+ Added

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).

1 unchanged line

− Removed

View all cards [/personal-banking/credit-cards]

+ Added

##### Extended Warranty Insurance4

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− Removed

FREQUENTLY ASKED QUESTIONS

+ Added

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).

1 unchanged line

− Removed

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

+ Added

You can obtain written confirmation of eligibility for cover for your overseas journey from the issuer of the insurance, 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, based on the answers you give AGA, by applying online at: [checkyourcover.com.au/westpac](https://travel.agaassistance.com.au/westpac/travel-insurance). If you provide AGA with incorrect answers to the questions we ask you, you may not be eligible for cover under the group policy issued to Westpac.4

1 unchanged line

− Removed

You can obtain written confirmation of eligibility for cover for your overseas
journey from the issuer of the insurance, 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, based on the answers you give
AGA, by applying online at: checkyourcover.com.au/westpac
[https://travel.agaassistance.com.au/westpac/travel-insurance]. If you provide
AGA with incorrect answers to the questions we ask you, you may not be eligible
for cover under the group policy issued to Westpac.4

+ Added

[How do I access my Economy X Seat Upgrades?](#tab3)

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− Removed

What do the complimentary insurances cover?

+ Added

When you choose Altitude Velocity rewards you can also enjoy 2 Economy X seat upgrades a year, on selected domestic Virgin Australia flights.7 To receive the upgrades, simply provide us with your Velocity Frequent Flyer number and make a direct spend at Virgin Australia on your Altitude Platinum Mastercard. Vouchers will then be available in your Velocity Frequent Flyer account within 10 business days.7  
  
 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](tel:1300038373 "1300 038 373") to redeem your Economy X Seat Upgrade vouchers.7

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− Removed

INTERNATIONAL TRAVEL INSURANCE4(SEE POLICY FOR DETAILS)

+ Added

Edit

1 unchanged line

− Removed

Access to up to 3 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).

+ Added

### Get started

1 unchanged line

− Removed

OVERSEAS TRANSIT ACCIDENT INSURANCE4

+ Added

Apply online

1 unchanged line

− Removed

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).

+ Added

Apply now Apply now 
* [Already with Westpac ](https://www.ui.westpac.com.au/origin/etb0/content/secure-pers/credit-cards/velocity-rewards/altitude-velocity-platinum/summary "Already with Westpac") [Already with Westpac](https://www.cmsservices.westpac.com.au/app/banking/deeplink?screenId=externalRedirectorWithParams¶m0=contentspa¶m1=secure-pers%28%5F$%29credit-cards%28%5F$%29velocity-rewards%28%5F$%29altitude-velocity-platinum%28%5F$%29summary&targetpath=https%3A%2F%2Fwww.ui.westpac.com.au%2Forigin%2Fetb0%2Fcontent%2Fsecure-pers%2Fcredit-cards%2Fvelocity-rewards%2Faltitude-velocity-platinum%2Fsummary "Already with Westpac")
* [Not yet with Westpac](https://www.westpac.com.au/personal-banking/credit-cards/reward/altitude-velocity-platinum/summary "Not yet with Westpac") [Not yet with Westpac](https://www.westpac.com.au/personal-banking/credit-cards/reward/altitude-velocity-platinum/summary "Not yet with Westpac")

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− Removed

PURCHASE PROTECTION INSURANCE4

+ Added

Telephone

1 unchanged line

− Removed

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).

+ Added

###### Give us a call

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− Removed

EXTENDED WARRANTY INSURANCE4

+ Added

[Contact us Refresh ](https://www.westpac.com.au/contact-us/?fid=GL:GPH:None:wbc:www:contact-us) [Contact us Refresh ](https://www.westpac.com.au/contact-us/?fid=GL:GPH:None:wbc:www:contact-us)

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− Removed

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).

+ Added

Credit Card

1 unchanged line

− Removed

You can obtain written confirmation of eligibility for cover for your overseas
journey from the issuer of the insurance, 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, based on the answers you give
AGA, by applying online at: checkyourcover.com.au/westpac
[https://travel.agaassistance.com.au/westpac/travel-insurance]. If you provide
AGA with incorrect answers to the questions we ask you, you may not be eligible
for cover under the group policy issued to Westpac.4

+ Added

### Help me choose

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− Removed

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.7 To receive the
upgrades, simply provide us with your Velocity Frequent Flyer number and make a
direct spend at Virgin Australia on your Altitude Platinum Mastercard. Vouchers
will then be available in your Velocity Frequent Flyer account within 10
business days.7

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 [tel:1300038373] to redeem your
Economy X Seat Upgrade vouchers.7

Edit

GET STARTED

Apply online

Apply now Apply now
 * Already with Westpac
   [https://www.ui.westpac.com.au/origin/etb0/content/secure-pers/credit-cards/velocity-rewards/altitude-velocity-platinum/summary]
   Already with Westpac
   [https://www.cmsservices.westpac.com.au/app/banking/deeplink?screenId=externalRedirectorWithParams&param0=contentspa&param1=secure-pers(_$)credit-cards(_$)velocity-rewards(_$)altitude-velocity-platinum(_$)summary&targetpath=https%3A%2F%2Fwww.ui.westpac.com.au%2Forigin%2Fetb0%2Fcontent%2Fsecure-pers%2Fcredit-cards%2Fvelocity-rewards%2Faltitude-velocity-platinum%2Fsummary]
 * Not yet with Westpac
   [/personal-banking/credit-cards/reward/altitude-velocity-platinum/summary]
   Not yet with Westpac
   [/personal-banking/credit-cards/reward/altitude-velocity-platinum/summary]

Telephone

GIVE US A CALL

1300 651 089 [tel:1300%20651%20089]

8am – 8pm Sydney Time, 7 days

Credit Card

HELP ME CHOOSE

2 unchanged lines

Use the selector to find a card that's right for you.

− Removed

Let’s begin Refresh [/personal-banking/credit-cards/help-me-choose] Let’s begin
Refresh [/personal-banking/credit-cards/help-me-choose]

+ Added

[Let’s begin Refresh ](https://www.westpac.com.au/personal-banking/credit-cards/help-me-choose) [Let’s begin Refresh ](https://www.westpac.com.au/personal-banking/credit-cards/help-me-choose)

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− Removed

THINGS YOU SHOULD KNOW

+ Added

##### Things you should know

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− Removed

Westpac Credit Cards Key Facts Sheet
[https://www.westpac.com.au/personal-banking/credit-cards/credit-cards-fact-sheet/]

+ Added

[Westpac Credit Cards Key Facts Sheet](https://www.westpac.com.au/personal-banking/credit-cards/credit-cards-fact-sheet/)

1 unchanged line

− Removed

Pdf File Credit Card Terms and Conditions (PDF 264KB)
[https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-credit-card-terms-and-conditions.pdf]

+ Added

[ Pdf File Credit Card Terms and Conditions (PDF 264KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-credit-card-terms-and-conditions.pdf)

1 unchanged line

− Removed

Pdf File Altitude Terms and Conditions (PDF 117KB)
[https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-altitude-terms-and-conditions.pdf]

+ Added

[ Pdf File Altitude Terms and Conditions (PDF 117KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-altitude-terms-and-conditions.pdf)

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− Removed

Pdf File Westpac Credit Cards Complimentary Insurance Policy (PDF 898KB)
[https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Consumer_Credit_Card_Comp_Insurance_Allianz.pdf]

+ Added

[ Pdf File Westpac Credit Cards Complimentary Insurance Policy (PDF 898KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC%5FConsumer%5FCredit%5FCard%5FComp%5FInsurance%5FAllianz.pdf)

1 unchanged line

− Removed

Pdf File PartPay Card Terms and Conditions (PDF 96KB)
[https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/partpay_card_terms_and_conditions.pdf]

+ Added

[ Pdf File PartPay Card Terms and Conditions (PDF 96KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/partpay%5Fcard%5Fterms%5Fand%5Fconditions.pdf)

1 unchanged line

− Removed

Pdf File ID checklist to become a customer (PDF 657KB)
[https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/new-customer-checklist/Checklist_IndividualCustomers.pdf]

+ Added

[ Pdf File ID checklist to become a customer (PDF 657KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/new-customer-checklist/Checklist%5FIndividualCustomers.pdf)

1 unchanged line

− Removed

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

+ Added

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

1 unchanged line

− Removed

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

+ Added

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

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− Removed

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

+ Added

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

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− Removed

++Bonus Qantas or Velocity Points Promotion Altitude Platinum: To be eligible
for up to 80,000 bonus Qantas or Velocity Points, you must apply and be approved
for a new Altitude Qantas Platinum or Altitude Velocity Platinum credit card
between 31st October 2024 and 30th April 2025. You will receive an
initial 60,000 bonus points if you spend $4k 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. You will receive an
additional 20,000 bonus points if you keep your account open for more than 12
months and continue to use the card. These additional points will be credited to
your points balance within 12 weeks, after the first eligible purchase is made
in the second year of your card account being active. If you do not meet the
minimum spend criteria within 90 days of card approval, you forfeit the
initial 60,000 bonus points only. However, you are still eligible for the
additional 20,000 bonus points in the second year if you continue to use your
card. 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 or Qantas Points earned during a
statement cycle are added to your Velocity or Qantas 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.

+ Added

**++Bonus Qantas or Velocity Points Promotion Altitude Platinum:** To be eligible for up to 80,000 bonus Qantas or Velocity Points, you must apply and be approved for a new Altitude Qantas Platinum or Altitude Velocity Platinum credit card between 31st October 2024 and 30th April 2025\. You will receive an initial 60,000 bonus points if you spend $4k 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. You will receive an additional 20,000 bonus points if you keep your account open for more than 12 months and continue to use the card. These additional points will be credited to your points balance within 12 weeks, after the first eligible purchase is made in the second year of your card account being active. If you do not meet the minimum spend criteria within 90 days of card approval, you forfeit the initial 60,000 bonus points only. However, you are still eligible for the additional 20,000 bonus points in the second year if you continue to use your card. 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 or Qantas Points earned during a statement cycle are added to your Velocity or Qantas 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.

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− Removed

*Reduced First year Card Fee for Altitude Qantas or Velocity Platinum: The
discounted first year Card Fee of $119 is available when you apply and are
approved for a new Altitude Qantas Platinum or Altitude Velocity Platinum card
between 31st October 2024 and 30th April 2025. After the first year, the Card
Fee reverts to $175 thereafter, and will be debited to your card account on the
12-month anniversary of the Card Fee date and annually thereafter. A $75 annual
Rewards Program Fee still applies for Altitude Velocity and Altitude Qantas if
you choose these programs.

+ Added

**###Reduced First year Card Fee for Altitude Qantas or Velocity Platinum:** The discounted first year Card Fee of $119 is available when you apply and are approved for a new Altitude Qantas Platinum or Altitude Velocity Platinum card between 31st October 2024 and 30th April 2025\. After the first year, the Card Fee reverts to $175 thereafter, and will be debited to your card account on the 12-month anniversary of the Card Fee date and annually thereafter. A $75 annual Rewards Program Fee still applies for Altitude Velocity and Altitude Qantas if you choose these programs.

1 unchanged line

− Removed

^^Existing customers only - Reduced First year Card Fee for Altitude Qantas or
Velocity Platinum: The discounted first year Card Fee of $49 is available for
existing Westpac customers when you apply and are approved for a new Altitude
Qantas Platinum or Altitude Velocity Platinum card between 31st October 2024 and
30th April 2025. After the first year, the Card Fee reverts to $175, and will be
debited to your card account on the 12-month anniversary of the Card Fee date
and annually thereafter. A $75 annual Rewards Program Fee still applies for
Altitude Velocity and Altitude Qantas if you choose these programs.

+ Added

**^^** **Existing customers only - Reduced First year Card Fee for Altitude Qantas or Velocity Platinum:** The discounted first year Card Fee of $49 is available for existing Westpac customers when you apply and are approved for a new Altitude Qantas Platinum or Altitude Velocity Platinum card between 31st October 2024 and 30th April 2025\. After the first year, the Card Fee reverts to $175, and will be debited to your card account on the 12-month anniversary of the Card Fee date and annually thereafter. A $75 annual Rewards Program Fee still applies for Altitude Velocity and Altitude Qantas if you choose these programs.

1 unchanged line

− Removed

†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.

+ Added

**†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.

1 unchanged line

− Removed

5. 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.

+ Added

**5\. 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.

1 unchanged line

− Removed

2. 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.

+ Added

**2\. 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.

1 unchanged line

− Removed

6. Rewards Points: The earning and redemption of Altitude Points, Velocity
Points and Qantas Points are subject to the Pdf File Altitude Terms and
Conditions (PDF 117KB)
[https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-altitude-terms-and-conditions.pdf].
Purchases that are not eligible to earn Rewards Points are set out in the Pdf
File Altitude Terms and Conditions (PDF 117KB)
[https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-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  Pdf File PartPay (PDF
96KB)
[https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/partpay_card_terms_and_conditions.pdf]
Purchases are based on the full value of the purchase, and not on each
instalment amount. Qantas and Velocity Points earned during a statement cycle
are added to your respective Points balance on a monthly basis.

+ Added

**6\. Rewards Points:** The earning and redemption of Altitude Points, Velocity Points and Qantas Points are subject to the [ Pdf File Altitude Terms and Conditions (PDF 117KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-altitude-terms-and-conditions.pdf). Purchases that are not eligible to earn Rewards Points are set out in the [ Pdf File Altitude Terms and Conditions (PDF 117KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-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 [ Pdf File PartPay (PDF 96KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/partpay%5Fcard%5Fterms%5Fand%5Fconditions.pdf) Purchases are based on the full value of the purchase, and not on each instalment amount. Qantas and Velocity Points earned during a statement cycle are added to your respective Points balance on a monthly basis.

1 unchanged line

− Removed

For Altitude Qantas Platinum cards, earn 0.5 Qantas Points per $1 up to a
maximum of $100,000 spent on eligible purchases annually. For Altitude Qantas
Black cards, earn 0.75 Qantas Points per $1 up to a maximum of $250,000 spent on
eligible purchases annually. This annual limit resets in January each year,
based on your statement date. Bonus Points earned are not part of your annual
cap.

+ Added

For Altitude Qantas Platinum cards, earn 0.5 Qantas Points per $1 up to a maximum of $100,000 spent on eligible purchases annually. For Altitude Qantas Black cards, earn 0.75 Qantas Points per $1 up to a maximum of $250,000 spent on eligible purchases annually. This annual limit resets in January each year, based on your statement date. Bonus Points earned are not part of your annual cap.

1 unchanged line

− Removed

Altitude Velocity or Qantas: In order to earn and redeem points, you must be a
member of the relevant Frequent Flyer program. An annual $75 Rewards Program Fee
applies for customers who choose this option.

+ Added

**Altitude Velocity or Qantas**: In order to earn and redeem points, you must be a member of the relevant Frequent Flyer program. An annual $75 Rewards Program Fee applies for customers who choose this option.

1 unchanged line

− Removed

7. 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 [tel:1300038373] 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
[https://www.virginaustralia.com/eu/en/experience/on-board-the-flight/seat-selection/eligibility/] and
the Virgin Australia Fare Conditions and Virgin Australia Conditions of Carriage
[https://www.virginaustralia.com/us/en/about-us/legal-policies/conditions-of-carriage/] as
amended from time to time.

+ Added

**7\. 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](tel:1300038373) 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](https://www.virginaustralia.com/eu/en/experience/on-board-the-flight/seat-selection/eligibility/) and the [Virgin Australia Fare Conditions and Virgin Australia Conditions of Carriage](https://www.virginaustralia.com/us/en/about-us/legal-policies/conditions-of-carriage/) as amended from time to time.

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4. Complimentary 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 persons wishes to claim any of these
benefits, they will be bound by the eligibility criteria, terms, conditions,
limits and exclusions contained in the Pdf File Complimentary Insurance Policy
Information booklet (PDF 898KB)
[/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Consumer_Credit_Card_Comp_Insurance_Allianz.pdf] 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.

+ Added

**4\. Complimentary 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 persons wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, limits and exclusions contained in the [ Pdf File Complimentary Insurance Policy Information booklet (PDF 898KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC%5FConsumer%5FCredit%5FCard%5FComp%5FInsurance%5FAllianz.pdf) 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.

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Read the  Pdf File Apple Pay Terms and Conditions (PDF 42KB)
[/content/dam/public/wbc/documents/pdf/pb/WBC-apple-pay-westpac-tcs.pdf] before
making a decision and consider if it is right for you. To use Apple Pay you will
need an eligible card and a compatible device with a supported operating system.
See our Apple Pay FAQs [/faq/apple-pay] for more information. Apple, the Apple
logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc., registered
in the U.S. and other countries. App Store is a service mark of Apple Inc.

+ Added

Read the [ Pdf File Apple Pay Terms and Conditions (PDF 42KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/WBC-apple-pay-westpac-tcs.pdf) before making a decision and consider if it is right for you. To use Apple Pay you will need an eligible card and a compatible device with a supported operating system. See our [Apple Pay FAQs](https://www.westpac.com.au/faq/apple-pay) for more information. Apple, the Apple logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

1 unchanged line

− Removed

Read the Pdf File Samsung Pay Terms and Conditions (PDF 63KB)
[/content/dam/public/wbc/documents/pdf/westpac-live/mobile-wallets/Samsung_Pay_WBC_TandCs.pdf]
before making a decision and consider if it is right for you. To use Samsung Pay
you will need an eligible card and a compatible device with a supported
operating system. See our Samsung Pay FAQs
[/personal-banking/mobile-wallets/samsung-pay] for more information. Samsung and
Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co.,
Ltd.

+ Added

Read the [ Pdf File Samsung Pay Terms and Conditions (PDF 63KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/westpac-live/mobile-wallets/Samsung%5FPay%5FWBC%5FTandCs.pdf) before making a decision and consider if it is right for you. To use Samsung Pay you will need an eligible card and a compatible device with a supported operating system. See our [Samsung Pay FAQs](https://www.westpac.com.au/personal-banking/mobile-wallets/samsung-pay) for more information. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.

1 unchanged line

− Removed

The Pdf File Google Pay Terms and Conditions (PDF 125KB)
[/content/dam/public/wbc/documents/pdf/westpac-live/mobile-wallets/Westpac_Google_Pay_Terms_and_Conditions.pdf]
before making a decision and consider if it is right for you. To use Google Pay
you will need an eligible card and a compatible device with a supported
operating system. See our Google Pay FAQs
[/personal-banking/mobile-wallets/google-pay] for more information. Google Pay
is a trademarks of Google Inc.

+ Added

The [ Pdf File Google Pay Terms and Conditions (PDF 125KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/westpac-live/mobile-wallets/Westpac%5FGoogle%5FPay%5FTerms%5Fand%5FConditions.pdf) before making a decision and consider if it is right for you. To use Google Pay you will need an eligible card and a compatible device with a supported operating system. See our [Google Pay FAQs](https://www.westpac.com.au/personal-banking/mobile-wallets/google-pay) for more information. Google Pay is a trademarks of Google Inc.

1 unchanged line

− Removed

Westpac Fraud Money Back Guarantee ensures that customers will be reimbursed for
any unauthorised transactions provided that the customer has not contributed to
the loss and contacted Westpac promptly. Refer to the card's Pdf File Terms and
Conditions (PDF 264KB)
[/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-credit-card-terms-and-conditions.pdf]
for full details, including when a customer will be liable.

+ Added

Westpac Fraud Money Back Guarantee ensures that customers will be reimbursed for any unauthorised transactions provided that the customer has not contributed to the loss and contacted Westpac promptly. Refer to the card's [ Pdf File Terms and Conditions (PDF 264KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-credit-card-terms-and-conditions.pdf) for full details, including when a customer will be liable.

1 unchanged line

− Removed

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

+ Added

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

1 unchanged line

− Removed

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

 * Feedback and complaints
   [/contact-us/feedback-complaints?fid=GL:GF:GF1:wbc:www:contact-us:feedback-complaints]
 * Contact us [/contact-us?fid=GL:GF:GF1:wbc:www:contact-us]
 * Careers [/about-westpac/careers?fid=GL:GF:GF1:wbc:www:about:careers]

 * Access and Inclusion
   [/web-accessibility?fid=GL:GF:GF2:wbc:www:web-accessibility]
 * Investor centre
   [/about-westpac/investor-centre?fid=GL:GF:GF2:wbc:www:about:investor-centre]
 * Westpac Group
   [/about-westpac/westpac-group?fid=GL:GF:GF2:wbc:www:about:westpac-group]

 * Security [/security?fid=GL:GF:GF3:wbc:www:security]
 * FAQs [/faq?fid=GL:GF:GF3:wbc:www:faq]
 * Privacy [/privacy?fid=GL:GF:GF3:wbc:www:privacy]

 * Website terms and conditions
   [/terms-and-conditions?fid=GL:GF:GF4:wbc:www:terms-and-conditions]
 * Terms and conditions [/terms-conditions]
 * Site index [/sitemap?fid=GL:GF:GF4:wbc:www:sitemap]
 * Modern Slavery Statement
   [/content/dam/public/wbc/documents/pdf/aw/sustainability/wbc-2023-modern-slavery-statement.pdf]

--------------------------------------------------------------------------------

Westpac
Facebook [https://www.facebook.com/Westpac] Twitter
[https://twitter.com/westpac] Youtube [https://www.youtube.com/westpac] LinkedIn
[https://www.linkedin.com/company/westpac] Instagram
[https://www.instagram.com/westpac/]

For Westpac issued products, conditions, fees and charges apply. These may
change or we may introduce new ones in the future. Full details are available on
request. Lending criteria apply to approval of credit products. This information
does not take your personal objectives, circumstances or needs into account.
Consider its appropriateness to these factors before acting on it. Read the
disclosure documents for your selected product or service, including the Terms
and Conditions [/terms-conditions], before deciding. Target Market
Determinations [/tmd] for the products are available. Unless otherwise
specified, the products and services described on this website are available
only in Australia from © Westpac Banking Corporation ABN 33 007 457 141 AFSL and
Australian credit licence 233714.

Return to pageWhat are you looking for? Please speak now to search

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Message us
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+ Added

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

Start: 2025-01-31 11:00:51.000 UTC
Superseded: 2025-03-19 13:07:16.000 UTC
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Source pages and terms

https://www.westpac.com.au/personal-banking/credit-cards/reward/altitude-velocity-platinum/?cid=wc:cc:H2-BAU_2109:oth:vff:sel&utm_source=vff&utm_medium=oth&utm_campaign=H2-BAU_2109

Saved wording and terms

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Personal
Credit cards
Rewards credit cards
Altitude Velocity Platinum

[Image]

Altitude Velocity Platinum

Earn Velocity Points directly into your Velocity Frequent Flyer account and enjoy Platinum credit card benefits.

Apply now

exclusive viewBox="0 0 27 37" style="enable-background:new 0 0 27 37;" xml:space="preserve">exclusive

Up to 80,000 bonus Velocity Points

Star1 Already with Westpac? Sign in to apply for a $49 card fee for the first year^^

Get up to 80,000 bonus Velocity Points++ — 60,000 Velocity Points in year 1 if you spend $4k+ on eligible purchases† within 90 days of new card approval and an extra 20,000 points after your first eligible purchase in year 2.

Plus, a reduced first year card fee of $119### (reverts to $175 p.a. thereafter).

Already with Westpac? Sign in to apply for a $49^^ card fee for the first year (reverts to $175 p.a. thereafter). A $75 annual Velocity Rewards Program fee still applies.

Offer not available if you’ve held an Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas or Velocity in the last 24 months. T&Cs apply.

Already with Westpac? Sign in to apply Already with Westpac? Sign in to apply Not yet with us? Apply here Not yet with us? Apply here

At a glance

$175	Annual card fee
$75	Annual Altitude Velocity Rewards Program fee
20.99% p.a.	Variable purchase rate
21.99% p.a.	Variable cash advance rate
$6,000	Minimum credit limit
$30,000 p.a.	Minimum income required
0.5	Points6 per $ on all eligible purchases†

New cards only. See below for standard rates and fees.

[Image: Westpac Platinum rewards credit card]

[Image]

Why choose Altitude Velocity Platinum?

You’ll earn Velocity Points which will be credited directly to you Velocity Frequent Flyer account. There they can be redeemed for flights, upgrades, shopping and more. You'll also get two Economy X Seat Upgrade Vouchers each year for selected domestic Virgin Australia flights7.

Available when you spend with Virgin Australia on your Mastercard. See FAQs for details.

[Image]

Economy X Seat Upgrade Vouchers

Each year you'll get two of these complimentary vouchers to use on selected domestic Virgin Australia flights7. Available when you spend with Virgin Australia on your Mastercard. See FAQs for details.

[Image]

Complimentary Insurances

Access to Interstate Flight Inconvenience Insurance and Rental Vehicle Excess in Australia cover, up to 3 months’ complimentary cover for international travel insurance, plus extended warranty, purchase protection for up to 4 months and overseas transit accident insurance. (terms, conditions, exclusions and eligibility criteria apply).4

[Image]

Split purchases into 4 payments

Take advantage of the PartPay feature on your credit card account to split purchases into 4 payments over 6 weeks. Just turn on to start using.

Tell me more

Other reasons to choose

Up to 45 days interest-free

To give you more opportunity to avoid interest charges on your purchases2. Note cash advances aren’t covered by this interest-free period.

No card? No problem

On top of Apple Pay, Samsung PayTM and Google Pay, you can use our Instant Digital Card from the moment your account is opened. No need to wait for a physical card.

Additional cardholder

Add 1 additional cardholder (16 years or older) at no extra cost5.

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.

Fraud protection

From verifying suspicious transactions to our fraud money back guarantee, we aim to keep you protected.

Tools to stay on top

These include options like PartPay, SmartPlan, Balance Transfers, Card Autopay and SMS payment reminders.

[Image: Master your money within the Westpac App]

Take control of your money within the Westpac App

Powerful money management tools in the palm of your hand.

Get spend and cash flow insights

Track your month-to-month Cash flow and spot areas where you could be making savings with your spend sorted in Categories.

Manage your cards in one place

Order a new card, change your pin or temporarily lock your card if you misplace it, all in the app's convenient Cards Hub.

View and transfer funds fast

Quick Balance lets you view the balance of three main accounts and quickly transfer money without signing in.

Explore our in-app's budgeting tools Refresh Explore our in-app's budgeting tools Refresh

Standard rates and fees

New cards only

Follow these tips to minimise credit card fees and charges.

Annual card fee	$175
Annual Rewards Program fee	Altitude Velocity: $75
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% 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	$15 each statement cycle that the minimum monthly payment is not paid by the statement due date.

Alternative credit cards

Compare our Velocity Credit Cards

Compare features such as annual card fees, points earn rates and minimum credit limits to help you decide which Velocity Rewards credit card is right for you.

Compare our Velocity Rewards Credit Cards

[Image]

View all Rewards cards

Frequently asked questions

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

You can obtain written confirmation of eligibility for cover for your overseas journey from the issuer of the insurance, 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, based on the answers you give AGA, by applying online at: checkyourcover.com.au/westpac. If you provide AGA with incorrect answers to the questions we ask you, you may not be eligible for cover under the group policy issued to Westpac.4

What do the complimentary insurances cover?

International Travel Insurance4(see policy for details)

Access to up to 3 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 Insurance4

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 Insurance4

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 Insurance4

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).

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.7 To receive the upgrades, simply provide us with your Velocity Frequent Flyer number and make a direct spend at Virgin Australia on your Altitude Platinum Mastercard. Vouchers will then be available in your Velocity Frequent Flyer account within 10 business days.7

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.7

Edit

Get started

Apply online

Apply now Apply now

Telephone

Give us a call

Credit Card

Help me choose

Use the selector to find a card that's right for you.

Let’s begin Refresh Let’s begin Refresh

Things you should know

Westpac Credit Cards Key Facts Sheet

Pdf File Credit Card Terms and Conditions (PDF 264KB)

Pdf File Altitude Terms and Conditions (PDF 117KB)

Pdf File Westpac Credit Cards Complimentary Insurance Policy (PDF 898KB)

Pdf File PartPay Card Terms and Conditions (PDF 96KB)

Pdf File ID checklist to become a customer (PDF 657KB)

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.

++Bonus Qantas or Velocity Points Promotion Altitude Platinum: To be eligible for up to 80,000 bonus Qantas or Velocity Points, you must apply and be approved for a new Altitude Qantas Platinum or Altitude Velocity Platinum credit card between 31st October 2024 and 30th April 2025. You will receive an initial 60,000 bonus points if you spend $4k 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. You will receive an additional 20,000 bonus points if you keep your account open for more than 12 months and continue to use the card. These additional points will be credited to your points balance within 12 weeks, after the first eligible purchase is made in the second year of your card account being active. If you do not meet the minimum spend criteria within 90 days of card approval, you forfeit the initial 60,000 bonus points only. However, you are still eligible for the additional 20,000 bonus points in the second year if you continue to use your card. 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 or Qantas Points earned during a statement cycle are added to your Velocity or Qantas 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.

###Reduced First year Card Fee for Altitude Qantas or Velocity Platinum: The discounted first year Card Fee of $119 is available when you apply and are approved for a new Altitude Qantas Platinum or Altitude Velocity Platinum card between 31st October 2024 and 30th April 2025. After the first year, the Card Fee reverts to $175 thereafter, and will be debited to your card account on the 12-month anniversary of the Card Fee date and annually thereafter. A $75 annual Rewards Program Fee still applies for Altitude Velocity and Altitude Qantas if you choose these programs.

^^ Existing customers only - Reduced First year Card Fee for Altitude Qantas or Velocity Platinum: The discounted first year Card Fee of $49 is available for existing Westpac customers when you apply and are approved for a new Altitude Qantas Platinum or Altitude Velocity Platinum card between 31st October 2024 and 30th April 2025. After the first year, the Card Fee reverts to $175, and will be debited to your card account on the 12-month anniversary of the Card Fee date and annually thereafter. A $75 annual Rewards Program Fee still applies for Altitude Velocity and Altitude Qantas if you choose these programs.

†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.

5. 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.

2. 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.

6. Rewards Points: The earning and redemption of Altitude Points, Velocity Points and Qantas Points are subject to the Pdf File Altitude Terms and Conditions (PDF 117KB). Purchases that are not eligible to earn Rewards Points are set out in the Pdf File Altitude Terms and Conditions (PDF 117KB). 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 Pdf File PartPay (PDF 96KB) Purchases are based on the full value of the purchase, and not on each instalment amount. Qantas and Velocity Points earned during a statement cycle are added to your respective Points balance on a monthly basis.

For Altitude Qantas Platinum cards, earn 0.5 Qantas Points per $1 up to a maximum of $100,000 spent on eligible purchases annually. For Altitude Qantas Black cards, earn 0.75 Qantas Points per $1 up to a maximum of $250,000 spent on eligible purchases annually. This annual limit resets in January each year, based on your statement date. Bonus Points earned are not part of your annual cap.

Altitude Velocity or Qantas: In order to earn and redeem points, you must be a member of the relevant Frequent Flyer program. An annual $75 Rewards Program Fee applies for customers who choose this option.

7. 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.

4. Complimentary 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 persons wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, limits and exclusions contained in the Pdf File Complimentary Insurance Policy Information booklet (PDF 898KB) 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.

Read the Pdf File Apple Pay Terms and Conditions (PDF 42KB) before making a decision and consider if it is right for you. To use Apple Pay you will need an eligible card and a compatible device with a supported operating system. See our Apple Pay FAQs for more information. Apple, the Apple logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Read the Pdf File Samsung Pay Terms and Conditions (PDF 63KB) before making a decision and consider if it is right for you. To use Samsung Pay you will need an eligible card and a compatible device with a supported operating system. See our Samsung Pay FAQs for more information. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.

The Pdf File Google Pay Terms and Conditions (PDF 125KB) before making a decision and consider if it is right for you. To use Google Pay you will need an eligible card and a compatible device with a supported operating system. See our Google Pay FAQs for more information. Google Pay is a trademarks of Google Inc.

Westpac Fraud Money Back Guarantee ensures that customers will be reimbursed for any unauthorised transactions provided that the customer has not contributed to the loss and contacted Westpac promptly. Refer to the card's Pdf File Terms and Conditions (PDF 264KB) for full details, including when a customer will be liable.

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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