Westpac Altitude Velocity Platinum (Reduced first year annual fee for Westpac Customers)

Snapshot 513 · Offer 2151 · Offer status now: ended

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

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

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# Altitude Platinum Card

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# Altitude Velocity Platinum

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Our platinum credit card has a lower annual fee and the ability to earn points. Enjoy travel related benefits designed to make your journey safe and convenient.

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

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##   
 Why choose Altitude Platinum card?

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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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 20.99% p.a. purchase rate

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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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 $3,000 minimum credit limit

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[](#)

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 45 days interest-free on purchases

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##  Earn up to 100,000 bonus Velocity Points

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## Choose your Altitude Rewards Program

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Star1 Already with Westpac? Sign in to apply for a $99 card fee for the first year^^

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Redeem points for gift cards, products, cashback and more. You can pay with the accumulated points or transfer points to our frequent flyer partner airlines.

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Earn up to **100,000 bonus Velocity Points** — **70,000** bonus Velocity Points in year 1 if you spend $4k+ on eligible purchases within 90 days of new card approval and an extra **30,000** points with $4k+ spend on eligible purchases within 90 days of card anniversary in year 2.

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### Altitude Rewards

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**Already with Westpac?** Sign in to apply for a **$99 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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Star1 Special offer

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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. New cards only. T&Cs apply.

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Close 

Close

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Earn up to 100,000 bonus Altitude Points and a **$99** first year card fee (reverts to $175 p.a. thereafter). **Already with Westpac?**  Sign in to apply and get a $49 first year card fee  (reverts to $175 p.a. thereafter).

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[ 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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**Card features:**

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## At a glance

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* $0 Annual Rewards Program Fee
* 2 Altitude points per $1 on international spend
* 1.25 Altitude points per $1 on everyday spend
* 1 Altitude point per $1 spend on all other purchases

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| **$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                          |
| **$3,000**       | Minimum credit limit                                |
| **$30,000 p.a.** | Minimum income required                             |
| **0.75**         | Velocity points per $1 on international spend       |
| **0.5**          | Velocity points per $1 on everyday spend            |
| **0.35**         | Velocity points per $1 spend on all other purchases |

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Once you spend $5,000 in a statement cycle, you will earn 0.5 Altitude points per $1 on further eligible purchases.

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Once you spend $5,000 in a statement cycle, you will earn 0.2 Velocity points per $1 on further eligible purchases.

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**Plus extra benefits**

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See below for standard rates and fees.

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* Pay with points
* Everyday rewards
* Westpac Extras
* Complimentary insurances

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

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

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Our 'everyday spend' category consists of 5 sub-categories: supermarkets, department stores, petrol stations, dining and utilities. Below is a list of examples of merchants included in these 5 categories:

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

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

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### Altitude Qantas

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## Why choose Altitude Velocity Platinum?

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Star1 Special offer

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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 flights.

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Close

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

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Close

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###  Economy X Seat Upgrade Vouchers

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Earn 75,000 bonus Qantas Points .**Already with Westpac?** Sign in to apply for a $49 first year card fee (reverts to $175 p.a. thereafter) . A $75 annual Qantas Rewards Program fee still applies.  
  
**Card features:**

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

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* 0.75 Qantas Points per $1 on international spend
* 0.5 Qantas Points per $1 on everyday spend
* 0.35 Qantas Points per $1 spend on all other purchases
* Earn Qantas Points twice with program partners

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###  Complimentary Insurances

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Once you spend $5,000 in a statement cycle, you will earn 0.2 Qantas Points per $1 on further eligible purchases.

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 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).

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**Plus extra benefits**

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###  Split purchases into 4 payments

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* Double Dip with Qantas partners
* Westpac Extras
* Complimentary insurances

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

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

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

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## Other reasons to choose

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### Altitude Velocity

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

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Star1 Special offer

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

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Close

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[No card? No problem ](#tab2)

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Close

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On top of Apple Pay, Samsung Pay 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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Earn 75,000 bonus Velocity Points .**Already with Westpac?** Sign in to apply for a $49 first year card fee (reverts to $175 p.a. thereafter) . A $75 annual Velocity Rewards Program fee still applies.  
  
**Card features:**

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[Additional cardholder](#tab3)

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* 0.75 Velocity points per $1 on international spend
* 0.5 Velocity points per $1 on everyday spend
* 0.35 Velocity points per $1 spend on all other purchases

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

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Once you spend $5,000 in a statement cycle, you will earn 0.2 Velocity points per $1 on further eligible purchases.

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[Cashback and discounts](#tab4)

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**Plus extra benefits**

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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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* Economy X Seat upgrade
* Westpac Extras
* Complimentary insurances

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[Fraud protection](#tab5)

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Apply now 
* [Already with us? 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 us? Sign in to apply")
* [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")

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 From verifying unusual 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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Apply now 
* [Already with us? 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 "Already with us? Sign in to apply")
* [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")

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[Tools to stay on top](#tab6)

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

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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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Our 'everyday spend' category consists of 5 sub-categories: supermarkets, department stores, petrol stations, dining and utilities. Below is a list of examples of merchants included in these 5 categories:

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## Take control of your money within the Westpac App

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

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Powerful money management tools in the palm of your hand.

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## Westpac credit card features

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##### Get spend and cash flow insights

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##### Westpac Rewards

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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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Get exclusive deals, discounts and cashback when shopping with your credit card accessible via the Westpac App.

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##### Manage your cards in one place

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##### Split your purchases

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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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Split your purchases over $100 into 4 payments over 6 weeks with the [PartPay](https://www.westpac.com.au/personal-banking/credit-cards/partpay) feature on your credit card.

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##### View and transfer funds fast

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##### We've got your back

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[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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Use the [Dynamic CVC](https://www.westpac.com.au/personal-banking/mobile-wallets/digital-card) on your digital card. The 3-digit number changes every 24 hours for added fraud protection.

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

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##### Australia’s Best Banking App

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## Standard rates and fees

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Manage your credit card in the [Westpac App](https://www.westpac.com.au/personal-banking/online-banking/mobile-app)\*, with features to help you budget, save and stay on top of your finances.

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 New cards only

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## Rates, minimum requirements and fees

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[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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* [Rates](#tab1)
* [Minimum requirements](#tab2)
* [Fees](#tab3)

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| 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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[Rates](#tab1)

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## Alternative credit cards

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| **20.99% p.a.** | Variable purchase rate     |
| --------------- | -------------------------- |
| **21.99% p.a.** | Variable cash advance rate |

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## Compare our Velocity Credit Cards

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[Minimum requirements](#tab2)

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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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| **$3,000**       | Minimum credit limit    |
| ---------------- | ----------------------- |
| **$30,000 p.a.** | Minimum income required |

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

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[Fees](#tab3)

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

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| **Annual card fee**                                   | $175                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |
| ----------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Annual Rewards Program fee for Qantas or 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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[View all Rewards cards](https://www.westpac.com.au/personal-banking/credit-cards/reward/)

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

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## Looking for something else?

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

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Our premier credit card offers the highest earn rate for rewards points. Enjoy exclusive extras like lounge passes, travel insurance and concierge support.

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

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[Altitude Black card](https://www.westpac.com.au/personal-banking/credit-cards/reward/altitude-black)

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

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## Frequently asked questions

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

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.

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

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

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

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 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).

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##### Overseas Transit Accident Insurance

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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).

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 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).

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##### Purchase Protection Insurance

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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).

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 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).

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##### Extended Warranty Insurance

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

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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.

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

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

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

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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.

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## Keep exploring

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### Credit card 101

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###  Credit card 101

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* [Understanding credit cards](https://www.westpac.com.au/personal-banking/solutions/staying-credit-smart/understanding-credit-cards)
* [Platinum or Premium rewards credit cards?](https://www.westpac.com.au/personal-banking/solutions/staying-credit-smart/earning-rewards/platinum-or-premium-rewards-credit-cards)
* [How to compare rewards credit cards](https://www.westpac.com.au/personal-banking/solutions/staying-credit-smart/earning-rewards/how-to-compare-rewards-credit-cards)
* [Managing credit card debt](https://www.westpac.com.au/personal-banking/credit-cards/debt)

+ Added

* [Understanding credit cards](https://www.westpac.com.au/personal-banking/solutions/staying-credit-smart/understanding-credit-cards/)
* [Platinum or Premium rewards credit cards?](https://www.westpac.com.au/personal-banking/solutions/staying-credit-smart/earning-rewards/platinum-or-premium-rewards-credit-cards/)
* [How to compare rewards credit cards](https://www.westpac.com.au/personal-banking/solutions/staying-credit-smart/earning-rewards/how-to-compare-rewards-credit-cards/)
* [Managing credit card debt](https://www.westpac.com.au/personal-banking/credit-cards/debt/)

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− Removed

### Travel and rewards

+ Added

###  Travel and rewards

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* [Travel rewards credit card benefits](https://www.westpac.com.au/personal-banking/solutions/staying-credit-smart/earning-rewards/rewards-cards-benefits-travel)
* [Tips when planning travel](https://www.westpac.com.au/personal-banking/solutions/travel-holidays/planning-travel)
* [Which credit card for travel?](https://www.westpac.com.au/personal-banking/credit-cards/explore/choosing-a-credit-card-for-travel)
* [Travelling overseas?](https://www.westpac.com.au/personal-banking/credit-cards/manage/travelling-overseas-insurance)

+ Added

* [Travel rewards credit card benefits](https://www.westpac.com.au/personal-banking/solutions/staying-credit-smart/earning-rewards/rewards-cards-benefits-travel/)
* [Tips when planning travel](https://www.westpac.com.au/personal-banking/solutions/travel-holidays/planning-travel/)
* [Which credit card for travel?](https://www.westpac.com.au/personal-banking/credit-cards/explore/choosing-a-credit-card-for-travel/)
* [Travelling overseas?](https://www.westpac.com.au/personal-banking/credit-cards/manage/travelling-overseas-insurance/)

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### Handy articles and guides

+ Added

###  Handy articles and guides

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* [What is credit card purchase protection and extended warranty?](https://www.westpac.com.au/personal-banking/solutions/staying-credit-smart/earning-rewards/credit-card-purchase-protection-and-extended-warranty)
* [How to get the most of your rewards card](https://www.westpac.com.au/personal-banking/solutions/staying-credit-smart/earning-rewards/how-to-get-the-most-of-your-rewards-credit-card)
* [Smart ways to redeem Altitude Points](https://www.westpac.com.au/personal-banking/credit-cards/explore/redeem-altitude-points)
* [What is the concierge service on a credit card?](https://www.westpac.com.au/personal-banking/solutions/staying-credit-smart/earning-rewards/what-is-credit-card-concierge)

+ Added

* [What is credit card purchase protection and extended warranty?](https://www.westpac.com.au/personal-banking/solutions/staying-credit-smart/earning-rewards/credit-card-purchase-protection-and-extended-warranty/)
* [How to get the most of your rewards card](https://www.westpac.com.au/personal-banking/solutions/staying-credit-smart/earning-rewards/how-to-get-the-most-of-your-rewards-credit-card/)
* [Smart ways to redeem Altitude Points](https://www.westpac.com.au/personal-banking/credit-cards/explore/redeem-altitude-points/)
* [What is the concierge service on a credit card?](https://www.westpac.com.au/personal-banking/solutions/staying-credit-smart/earning-rewards/what-is-credit-card-concierge/)

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Credit Card

+ Added

Edit

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− Removed

### Compare credit cards

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### Get started

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Compare our credit cards by looking at credit limits, interest rates, fees, interest free days and more.

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Apply online

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

+ 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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Telephone 

###### Give us a call

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

+ Added

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

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Search 

### Help me choose

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

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

+ Added

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

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## Things you should know

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

[ 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)  

[ 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)

[ 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)

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[ 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)

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[ 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)

+ 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)

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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.

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**\>Altitude Rewards Platinum Bonus Points Promotion:** Offer commenced 27th August 2025\. To be eligible for bonus Altitude Reward Points, you must apply and be approved for a new Altitude Rewards Platinum card before the offer is withdrawn. You will receive an initial 75,000 bonus points if you spend $3k 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 25,000 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 75,000 bonus points only. However, you are still eligible for the additional 25,000 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. Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account. Credit Card Product Switches, upgrades or Westpac group staff are ineligible for this offer. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

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**Existing customers only - Reduced First year Card Fee for Altitude Qantas or Velocity Platinum:** Offer commenced 27th November 2025\. The discounted first year Card Fee of $99 is available for existing Westpac customers when you apply and are approved for a new Altitude Qantas Platinum or Altitude Velocity Platinum card before the offer is withdrawn. 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. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

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\>>**Reduced First year Card Fee for Altitude Rewards Platinum:** Offer commenced 27th August 2025\. The discounted first year Card Fee of $99 is available when you apply and are approved for a new Altitude Rewards Platinum card before the offer is withdrawn. 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. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

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**Bonus Qantas or Velocity Points Promotion Altitude Platinum:** Offer commenced 27th November 2025\. To be eligible for bonus Qantas or Velocity Points, you must apply and be approved for a new Altitude Qantas Platinum or Altitude Velocity Platinum credit card before the offer is withdrawn. You will receive an initial 70,000 bonus points if you spend $4k or more on eligible purchases within 90 days from card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria. In your second year, spend a minimum of $4k on eligible purchases within 90 days of your card opened date anniversary, and you'll earn an additional 30,000 bonus points. These additional points will be credited to your points balance within 12 weeks of meeting the spend criteria. If you do not meet the minimum spend in the first year, you forfeit the bonus points for the first year only, however you are still eligible for bonus points in the subsequent year if you meet the minimum spend in the subsequent year during the promotional period. Existing Westpac customers who currently hold an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card, or who have held one in the last 24 months, are not eligible for this offer. Qantas Points or Velocity Points earned during a statement cycle are added to your Qantas or Velocity Points balance on a monthly basis. Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account. Credit Card Product Switches, upgrades or Westpac group staff are ineligible for this offer. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

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**\>>>Existing customers only - Reduced First year Card Fee for Altitude Rewards Platinum:** Offer commenced 27th August 2025\. The discounted first year Card Fee of $49 is available when you apply and are approved for a new Altitude Rewards Platinum credit card before the offer is withdrawn. After the first year, the Card Fee reverts to $175 thereafter, and will be debited to your account annually on the 12-month anniversary of the Card Fee date and annually thereafter. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

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

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**Bonus Qantas or Velocity Points Promotion Altitude Platinum:** Offer commenced 26th March 2025\. To be eligible to receive 75,000 bonus Qantas or Velocity Points, you must apply and be approved for a new Altitude Qantas Platinum or Altitude Velocity Platinum credit card before the offer is withdrawn. You will receive 75,000 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. 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. Qantas Points or Velocity Points earned during a statement cycle are added to your Qantas or Velocity Points balance on a monthly basis. Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account. Credit Card Product Switches, upgrades or Westpac group staff are ineligible for this offer. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

+ Added

**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.

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**Existing customers only - Reduced First year Card Fee for Altitude Qantas or Velocity Platinum:** Offer commenced 26th March 2025\. 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 before the offer is withdrawn. 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. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

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

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**Altitude Rewards**: You must be a member of the relevant transfer partner program to redeem Altitude Points for that partner's rewards or frequent flyer points. The Altitude Terms and Conditions and the terms and conditions of the relevant transfer partner programs apply. A joining fee may apply. For more information on the Altitude Rewards program, visit [altituderewards.com.au](https://www.altituderewards.com.au/).

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**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.

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**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.

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

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**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.

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

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**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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**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.

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**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.

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**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.

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Read the [ Pdf File Apple Pay Terms and Conditions (PDF 129KB)](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.

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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)](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 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.

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**Qantas products and services:** Selected Qantas products and services are Qantas passenger flights with a QF flight number purchased directly from [Qantas.com](https://www.qantas.com.au/ "Click to go to the Qantas website"); Qantas Frequent Flyer and Qantas Club membership joining and/ or annual fees. For full Qantas Frequent Flyer Terms and Conditions, visit [Qantas.com/terms.](http://qantas.com/terms "Click to visit the Qantas page for terms")

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The [ Pdf File Google Pay Terms and Conditions (PDF 316KB)](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.

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**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.

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**Claim based on The Forrester Digital Experience Review™**: Australian Mobile Banking Apps, Q3 2025, an evaluation of four Australian banking apps. Forrester does not endorse any company, product, brand, or service included in its research publications and does not advise any person to select the products or services of any company or brand based on the ratings included in such publications. Information is based on the best available resources. Opinions reflect judgment at the time and are subject to change. For more information, read about Forrester's objectivity [here](https://www.forrester.com/about-us/objectivity/).

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

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

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

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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

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Rewards credit cards
Altitude Velocity Platinum

Altitude Velocity Platinum

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

Apply now

Earn up to 100,000 bonus Velocity Points

Star1 Already with Westpac? Sign in to apply for a $99 card fee for the first year^^

Earn up to 100,000 bonus Velocity Points — 70,000 bonus Velocity Points in year 1 if you spend $4k+ on eligible purchases within 90 days of new card approval and an extra 30,000 points with $4k+ spend on eligible purchases within 90 days of card anniversary in year 2.

Already with Westpac? Sign in to apply for a $99 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. New cards only. 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
$3,000	Minimum credit limit
$30,000 p.a.	Minimum income required
0.75	Velocity points per $1 on international spend
0.5	Velocity points per $1 on everyday spend
0.35	Velocity points per $1 spend on all other purchases

Once you spend $5,000 in a statement cycle, you will earn 0.2 Velocity points per $1 on further eligible purchases.

See below for standard rates and fees.

[Image: Westpac Platinum rewards credit card]

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

Our 'everyday spend' category consists of 5 sub-categories: supermarkets, department stores, petrol stations, dining and utilities. Below is a list of examples of merchants included in these 5 categories:

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

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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 flights.

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

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Economy X Seat Upgrade Vouchers

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

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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).

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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 purchases. Note cash advances aren’t covered by this interest-free period.

No card? No problem

On top of Apple Pay, Samsung Pay 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 cost.

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 unusual 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 Explore our in-app's budgeting tools

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

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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.

What do the complimentary insurances cover?

International Travel Insurance(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 Insurance

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

Purchase Protection Insurance

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

Extended Warranty Insurance

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

How do I access my Economy X Seat Upgrades?

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

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

Keep exploring

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Credit card 101

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Travel and rewards

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Handy articles and guides

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Apply online

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Telephone

Give us a call

Help me choose

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

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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.

Existing customers only - Reduced First year Card Fee for Altitude Qantas or Velocity Platinum: Offer commenced 27th November 2025. The discounted first year Card Fee of $99 is available for existing Westpac customers when you apply and are approved for a new Altitude Qantas Platinum or Altitude Velocity Platinum card before the offer is withdrawn. 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. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

Bonus Qantas or Velocity Points Promotion Altitude Platinum: Offer commenced 27th November 2025. To be eligible for bonus Qantas or Velocity Points, you must apply and be approved for a new Altitude Qantas Platinum or Altitude Velocity Platinum credit card before the offer is withdrawn. You will receive an initial 70,000 bonus points if you spend $4k or more on eligible purchases within 90 days from card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria. In your second year, spend a minimum of $4k on eligible purchases within 90 days of your card opened date anniversary, and you'll earn an additional 30,000 bonus points. These additional points will be credited to your points balance within 12 weeks of meeting the spend criteria. If you do not meet the minimum spend in the first year, you forfeit the bonus points for the first year only, however you are still eligible for bonus points in the subsequent year if you meet the minimum spend in the subsequent year during the promotional period. Existing Westpac customers who currently hold an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card, or who have held one in the last 24 months, are not eligible for this offer. Qantas Points or Velocity Points earned during a statement cycle are added to your Qantas or Velocity Points balance on a monthly basis. Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account. Credit Card Product Switches, upgrades or Westpac group staff are ineligible for this offer. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

†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.

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.

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

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.

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.

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.

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.

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.

Read the Pdf File Apple Pay Terms and Conditions (PDF 129KB) 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 316KB) 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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