Westpac Altitude Velocity Black

Snapshot 746 · Offer 2478 · Offer status now: active

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[Skip to main content](#content) [Skip to main navigation](#main-nav) [Skip to access and inclusion page](/web-accessibility/) [Skip to search input](#search)

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1. [ Rewards credit cards](https://www.westpac.com.au/credit-cards/reward)
2. Altitude Velocity Black

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* [ Rewards credit cards](/personal-banking/credit-cards/reward/)
* Altitude Velocity Black

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Velocity Points

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# Altitude Velocity Black

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

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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-black/summary "Already with Westpac")
* [Not yet with us](/personal-banking/credit-cards/reward/altitude-velocity-black/summary/ "Not yet with us")

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#### Important notice

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Apply now 
* [Already with Westpac](https://www.cmsservices.westpac.com.au/app/banking/deeplink?screenId=externalRedirectorWithParams&param0=contentspa&param1=secure-pers%28%5F$%29credit-cards%28%5F$%29velocity-rewards%28%5F$%29altitude-velocity-black%28%5F$%29summary&targetpath=https%3A%2F%2Fwww.ui.westpac.com.au%2Forigin%2Fetb0%2Fcontent%2Fsecure-pers%2Fcredit-cards%2Fvelocity-rewards%2Faltitude-velocity-black%2Fsummary "Already with Westpac")
* [Not yet with us](/personal-banking/credit-cards/reward/altitude-velocity-black/summary/ "Not yet with us")

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From 30 September 2026, we're making changes to some Westpac Credit Card fees and rates, including updates to the Rewards Points program. [Find out more](/credit-cards/credit-card-changes#RBA "Find out more")

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[](#)

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From 1 October 2026, we’re making changes to the Westpac Credit Cards Complimentary Insurance Policy. [Find out more](/credit-cards/credit-card-changes?fid=op:infob:concc:ip:cta1#CCCI "Find out more")

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Error

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You could earn up to **150,000** bonus Velocity Points[](#disclaimer-1 "[#]").

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### Important Notice

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See full offer details below.

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From **1 October 2026**, we’re making changes to the Westpac Credit Cards Complimentary Insurance Policy. [Find out more](/personal-banking/credit-cards/credit-card-changes/?pid=iwc:cc:CCCI1%5F2607::)

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**Already with Westpac?** Sign in to apply and get a $200 first year card fee (reverts to $295 p.a. thereafter)[](#disclaimer-2 "[#]"). A $75 annual Velocity Rewards Program fee still applies.

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##  Get up to 150,000 bonus Velocity Points

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Earn up to 1.2 Velocity Points per $1 spent on eligible purchases[](#disclaimer-3 "[#]")

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Star1 Already with Westpac? Sign in to apply for a $200< card fee for the first year (reverts to $295 p.a. thereafter).

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Offer

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

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### Get up to 150,000 bonus Velocity Points

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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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Get up to **150,000 bonus Velocity Points**[](#disclaimer-1 "[#]") — **90,000** Velocity Points in year 1 if you spend $6k+ on eligible purchases[](#disclaimer-3 "[#]") within 90 days of new card approval and an extra **60,000** points with $6k+ spend on eligible purchases[](#disclaimer-3 "[#]") within 90 days of card anniversary in year 2.

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Close

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**Already with Westpac?** Sign in to apply and get a $200 first year card fee (reverts to $295 p.a. thereafter)[](#disclaimer-2 "[#]"). A $75 annual Velocity Rewards Program fee still applies.

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Close

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

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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-black/summary) [ Already with Westpac? Sign in to apply](https://www.cmsservices.westpac.com.au/app/banking/deeplink?screenId=externalRedirectorWithParams&param0=contentspa&param1=secure-pers%28%5F$%29credit-cards%28%5F$%29velocity-rewards%28%5F$%29altitude-velocity-black%28%5F$%29summary&targetpath=https%3A%2F%2Fwww.ui.westpac.com.au%2Forigin%2Fetb0%2Fcontent%2Fsecure-pers%2Fcredit-cards%2Fvelocity-rewards%2Faltitude-velocity-black%2Fsummary) [ Not yet with us? Apply here](/personal-banking/credit-cards/reward/altitude-velocity-black/summary/) [ Not yet with us? Apply here](/personal-banking/credit-cards/reward/altitude-velocity-black/summary/)

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Apply now

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## At a glance

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Apply now

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| **$295**         | 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                                |
| **$75,000 p.a.** | Minimum income required                             |
| **1.2**          | Velocity points per $1 on international spend       |
| **0.8**          | Velocity points per $1 on everyday spend            |
| **0.5**          | Velocity points per $1 spend on all other purchases |

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### Features

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

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

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See below for standard rates and fees.

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**Complimentary Insurances** \- Access to Interstate Flight Inconvenience Insurance and Rental Vehicle Excess in Australia cover, up to 6 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).[](#disclaimer-4 "[#]")

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

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**Upgrade your trip** \- Not only will you get complimentary Economy X seat Upgrade vouchers[](#disclaimer-5 "[#]") each year, you'll get complimentary Virgin domestic lounge passes too.[](#disclaimer-6 "[#]") See FAQs for full details and how to redeem.

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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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**Up to 45 days interest-free** \- To give you more opportunity to avoid interest charges on your purchases.[](#disclaimer-7 "[#]") Note cash advances aren’t covered by this interest-free period.

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

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## Why choose Altitude Velocity Black?

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[Find out more](https://westpac.tenconcierge.com/ "Find out more")

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###  Velocity Points – uncapped

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**Cashback and discounts** \- With a Westpac credit card, you'll get personalised cashback offers from [Westpac Extras](/credit-cards/westpac-extras "Westpac Extras"), Westpac bonus Cashback when you shop via the Westpac Lounge on [ShopBack](%5BBVAR#wbc-public-domain%5D/personal-banking/online-banking/making-the-most/rewards-and-offers/offers/shopback/ "ShopBack"), plus other discounts and offers from a wide range of shops, in-store and online.

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

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**Tools to stay on top** \- These include options like [PartPay](/credit-cards/partpay "PartPay"), [SmartPlan](/credit-cards/smartplan "SmartPlan"), [Balance Transfers](%5BBVAR#wbc-public-domain%5D/personal-banking/solutions/staying-credit-smart/using-balance-transfers/how-to-do-a-balance-transfer/ "Balance Transfers"), [Card Autopay](%5BBVAR#wbc-public-domain%5D/personal-banking/online-banking/making-the-most/card-autopay/ "Card Autopay") and [SMS payment reminders](%5BBVAR#wbc-public-domain%5D/faq/credit-card-reminder-set-up-app/ "SMS payment reminders").

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###  Complimentary Insurances

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**Additional cardholder** \- Add 1 additional cardholder (16 years or older) at no extra cost.[](#disclaimer-8 "[#]")

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 Access to Interstate Flight Inconvenience Insurance and Rental Vehicle Excess in Australia cover, up to 6 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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### How to earn points?

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###  Upgrade your trip

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| 1.2     | **Velocity Points per $1 on international spend**                              |
| ------- | ------------------------------------------------------------------------------ |
| **0.8** | **Velocity Points per $1 on everyday spend**                                   |
| **0.5** | **Velocity Points per $1 spend on all other purchases[](#disclaimer-9 "[#]")** |

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

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Once you spend $10,000 in a statement cycle, you will earn 0.25 Velocity Points per $1 on further eligible purchases.[](#disclaimer-3 "[#]")

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## Other reasons to choose

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### Rates and minimum requirements

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

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| **New cards only**.            |              |
| ------------------------------ | ------------ |
| **Variable purchase rate**     | 20.99% p.a.  |
| **Variable cash advance rate** | 21.99% p.a.  |
| **Minimum credit limit**       | $6,000       |
| **Minimum income required**    | $75,000 p.a. |

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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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### Fees

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[No card? No problem ](#tab2)

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| **New cards only.**                              |                                                                                                                                                                                                                                                                                                                                                                                                                                           |
| ------------------------------------------------ | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Annual card fee**                              | $295                                                                                                                                                                                                                                                                                                                                                                                                                                      |
| **Annual Altitude Velocity Rewards Program fee** | $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](/credit-cards/manage/fees-interest/minimising-fees "fee"). |
| **Cash advance fee**                             | 3.5% of the value of the transaction will apply to each cash advance made on your card account.These charges will appear on your credit card statement directly below the relevant cash advance.                                                                                                                                                                                                                                          |
| **Missed payment fee**                           | $20 each statement cycle that the minimum monthly payment is not paid by the statement due date.                                                                                                                                                                                                                                                                                                                                          |

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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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For more information about [credit card fees](/credit-cards/manage/fees-interest/minimising-fees "credit card fees").

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[Additional cardholder](#tab3)

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### What you'll need to apply

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

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#### You must be

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[Fraud protection](#tab4)

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

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

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**Meet one of the following requirements**

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[Tools to stay on top](#tab5)

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

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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/).

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See [eligible Australian visa](%5BBVAR#wbc-public-domain%5D/content/dam/public/wbc/documents/pdf/pb/credit-cards/wbc-eligible-australian-visa-list.pdf "eligible Australian visa")

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[Personal Concierge Service](#tab6)

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#### You'll need to provide

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

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* Proof of income
* Current debts and expenses

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[Find out more](https://westpac.tenconcierge.com/)

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#### Two of these ID documents

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[Cashback and discounts](#tab7)

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* Passport
* Australian drivers' license
* Medicare card
* Australian birth certificate

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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.

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### Frequently asked questions

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## Take control of your money within the Westpac App

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How do I register for the complimentary lounge passes?

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Powerful money management tools in the palm of your hand.

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**Virgin Australia Domestic Lounge**[](#disclaimer-6 "[#]")

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##### Get spend and cash flow insights

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If you choose Altitude Velocity, you just need to provide us with your Velocity Frequent Flyer number and make a direct spend at Virgin Australia each year from your card open date.[](#disclaimer-6 "[#]")The Virgin Australia domestic lounge passes will then be available in your Velocity Frequent Flyer account within 10 business days, ready for you to enjoy the next time you travel domestically with Virgin Australia.

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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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How do I access my Economy X Seat Upgrades?

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##### Manage your cards in one place

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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.[](#disclaimer-5 "[#]") 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.[](#disclaimer-5 "[#]")

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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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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.[](#disclaimer-5 "[#]")

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##### View and transfer funds fast

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

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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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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://checkyourcover.com.au/westpac "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.[](#disclaimer-4 "[#]")

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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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What do the complimentary insurances cover?

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## Standard rates and fees

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**International Travel Insurance**[](#disclaimer-4 "[#]")(see policy for details)

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 New cards only

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

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

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**Overseas Transit Accident Insurance**[](#disclaimer-4 "[#]")

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| Annual card fee            | $295                                                                                                                                                                                                                                                                                                                                                                                                                                                       |
| -------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Annual Rewards Program fee | $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](/personal-banking/credit-cards/manage/fees-interest/minimising-fees/). |
| Cash advance fee           | 3.5% of the value of the transaction will apply to each cash advance made on your card account. These charges will appear on your credit card statement directly below the relevant cash advance.                                                                                                                                                                                                                                                          |
| Missed payment fee         | $20 each statement cycle that the minimum monthly payment is not paid by the statement due date.                                                                                                                                                                                                                                                                                                                                                           |

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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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## Alternative credit cards

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**Purchase Protection Insurance**[](#disclaimer-4 "[#]")

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## Compare our Velocity Credit Cards

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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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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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**Extended Warranty Insurance**[](#disclaimer-4 "[#]")

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

[](/personal-banking/credit-cards/reward/)

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

[](/personal-banking/credit-cards/low-fee/)

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

[](/personal-banking/credit-cards/)

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

## Frequently asked questions

[How do I register for the complimentary lounge passes?](#tab1) 

##### Virgin Australia Domestic Lounge  

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

[How do I access my Economy X Seat Upgrades?](#tab2) 

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

To redeem your Economy X Seat Upgrade vouchers you must first book an eligible domestic flight directly with Virgin Australia. Once you have booked an eligible domestic flight with Virgin Australia, you will need to call the Virgin Australia Guest Contact Centre on [1300 038 373](tel:1300038373) to redeem your Economy X Seat Upgrade vouchers.

[How does the Complimentary International Travel Insurance work and am I eligible for it?](#tab3) 

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?](#tab4) 

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

 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).

##### 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

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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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[What is the personal concierge and how does it benefit me?](#tab5)

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

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We've recently partnered with Ten Lifestyle Services. Westpac Altitude Black cardholders will now be able to browse and book experiences with ease, purchase hard-to-get tickets, make last-minute restaurant reservations and more, all online. You can [find out more here](https://westpac.tenconcierge.com/), or reach our Lifestyle Managers on [1300 651 999](tel:1300651999) (option 4) for 24/7 personalised assistance.

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We've recently partnered with Ten Lifestyle Services. Westpac Altitude Black cardholders will now be able to browse and book experiences with ease, purchase hard-to-get tickets, make last-minute restaurant reservations and more, all online. You can find out more here (<https://westpac.tenconcierge.com/>), or reach our Lifestyle Managers on [1300 651 999](tel:1300651999 "1300 651 999") (option 4) for 24/7 personalised assistance.

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## Keep exploring

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

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###  Credit card 101

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

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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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###  Travel and rewards

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## You might be interested in

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* [Travel rewards credit card benefits](/personal-banking/solutions/staying-credit-smart/earning-rewards/rewards-cards-benefits-travel/)
* [Which credit card for travel?](/personal-banking/credit-cards/explore/choosing-a-credit-card-for-travel/)
* [Travelling overseas?](/personal-banking/credit-cards/manage/travelling-overseas-insurance/)

+ Added

*   
### Altitude Qantas Black  
Our premier Qantas credit card gets you a high Qantas Points earn rate as well as complimentary airport lounge access, insurances and concierge.  
[Find out more](/credit-cards/reward/altitude-qantas-black)
*   
### Altitude Rewards Black  
Our premium Altitude Rewards credit card gets you our highest Points earn rate, flexibility in how you redeem with Pay with Points, complimentary airport lounge access, insurances and more.  
[Find out more](/credit-cards/reward/altitude-rewards-black)
*   
### Altitude Qantas Platinum  
Earn Qantas Points directly to your Qantas Frequent Flyer account and enjoy Platinum credit card benefits.  
[Find out more](/credit-cards/reward/altitude-qantas-platinum)
*   
### Altitude Rewards Platinum  
Enjoy Platinum Card benefits and the flexibility of Altitude Rewards. Choose from gift cards, merchandise or our unique 'Pay with Points’ feature.  
[Find out more](/credit-cards/reward/altitude-rewards-platinum)
*   
### Altitude Velocity Platinum  
Earn Velocity Points directly into your [Velocity Frequent Flyer](/credit-cards/velocity-credit-cards "Velocity Frequent Flyer") account and enjoy Platinum credit card benefits.  
[Find out more](/credit-cards/reward/altitude-velocity-platinum)

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###  Handy articles and guides

+ Added

## Things you should know

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

+ Added

[Westpac Credit Cards Key Facts Sheet](/credit-cards/credit-cards-fact-sheet)

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Edit

+ Added

[Credit Card Terms and Conditions](%5BBVAR#wbc-public-domain%5D/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-credit-card-terms-and-conditions.pdf)

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### Get started

+ Added

[Altitude Terms and Conditions](%5BBVAR#wbc-public-domain%5D/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-altitude-terms-and-conditions.pdf)

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Apply online

+ Added

[Westpac Credit Cards Complimentary Insurance Policy](%5BBVAR#wbc-public-domain%5D/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC%5FConsumer%5FCredit%5FCard%5FComp%5FInsurance%5FAllianz.pdf)

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Apply now Apply now 
* [Already with Westpac ](https://www.ui.westpac.com.au/origin/etb0/content/secure-pers/credit-cards/velocity-rewards/altitude-velocity-black/summary "Already with Westpac") [Already with Westpac](https://www.cmsservices.westpac.com.au/app/banking/deeplink?screenId=externalRedirectorWithParams&param0=contentspa&param1=secure-pers%28%5F$%29credit-cards%28%5F$%29velocity-rewards%28%5F$%29altitude-velocity-black%28%5F$%29summary&targetpath=https%3A%2F%2Fwww.ui.westpac.com.au%2Forigin%2Fetb0%2Fcontent%2Fsecure-pers%2Fcredit-cards%2Fvelocity-rewards%2Faltitude-velocity-black%2Fsummary "Already with Westpac")
* [Not yet with Westpac](/personal-banking/credit-cards/reward/altitude-velocity-black/summary/ "Not yet with Westpac") [Not yet with Westpac](/personal-banking/credit-cards/reward/altitude-velocity-black/summary/ "Not yet with Westpac")

+ Added

[PartPay Card Terms and Conditions](%5BBVAR#wbc-public-domain%5D/content/dam/public/wbc/documents/pdf/pb/credit-cards/partpay%5Fcard%5Fterms%5Fand%5Fconditions.pdf)

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Telephone

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[ID checklist to become a customer](%5BBVAR#wbc-public-domain%5D/content/dam/public/wbc/documents/pdf/new-customer-checklist/Checklist%5FIndividualCustomers.pdf)

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###### Give us a call

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

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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)

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

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Search

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**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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### Help me choose

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\[1\]

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

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**Bonus Velocity Points Promotion Altitude Black**: Offer commenced \[\[Rates#CC|Altitude Velocity Black.CCAVB.EffectiveDate{longDateDisplay}\]\]. To be eligible for bonus Velocity Points, you must apply and be approved for a new Altitude Velocity Black credit card before the offer is withdrawn. You will receive an initial \[\[Rates#CC|Altitude Velocity Black.CCAVB.BonusPoints1{showAsCommaSep}\]\] bonus points if you spend $\[\[Rates#CC|Altitude Velocity Black.CCAVB.EligiblePurchaseAmount{none}\]\]k or more on eligible purchases within \[\[Rates#CC|Altitude Velocity Black.CCAVB.EligiblePurchaseTerm{none}\]\] days of card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria. In your second year, spend a minimum of $\[\[Rates#CC|Altitude Velocity Black.CCAVB.EligiblePurchaseAmount{none}\]\]k on eligible purchases within \[\[Rates#CC|Altitude Velocity Black.CCAVB.EligiblePurchaseTerm{none}\]\] days of your card opened date anniversary, and you'll earn an additional \[\[Rates#CC|Altitude Velocity Black.CCAVB.BonusPoints2{showAsCommaSep}\]\] bonus points. These additional points will be credited to your points balance within 12 weeks of meeting the spend criteria. If you do not meet the minimum spend in the first year, you forfeit the bonus points for the first year only, however you are still eligible for bonus points in the subsequent year if you meet the minimum spend in the subsequent year during the promotional period. Existing Westpac customers who currently hold an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card, or who have held one in the last 24 months, are not eligible for this offer. Velocity Points earned during a statement cycle are added to your Velocity Points balance on a monthly basis. Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account. Credit Card Product Switches, upgrades or Westpac group staff are ineligible for this offer. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

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

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[Return to footnote 1](#)

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## Things you should know

+ Added

\[2\]

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

+ Added

**Existing Customers Only - Reduced First year Card Fee for Altitude Velocity Black**: Offer commenced \[\[Rates#CC|Altitude Velocity Black.CCAVB.EffectiveDate{longDateDisplay}\]\]. The discounted first year Card Fee of $\[\[Rates#CC|Altitude Velocity Black.CCAVB.ExistingCustomerFYFeeOffer{none}\]\] is available for existing Westpac customers when you apply and are approved for a new Altitude Black credit card before the offer is withdrawn. After the first year, the Card Fee reverts to $\[\[Rates#CC|Altitude Velocity Black.CCAVB.AnnualCardFee{none}\]\] thereafter, and will be debited to your account annually on the 12-month anniversary of the Card Fee date. A $\[\[Rates#CC|Altitude Velocity Black.CCAVB.RewardsAnnualFee{none}\]\] annual Rewards Program Fee still applies for Altitude Velocity if you choose these programs. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

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[ 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

[Return to footnote 2](#)

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[ 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

\[3\]

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[ Pdf File Westpac Credit Cards Complimentary Insurance Policy (PDF 850KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC%5FConsumer%5FCredit%5FCard%5FComp%5FInsurance%5FAllianz.pdf)

+ 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.

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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

[Return to footnote 3](#)

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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)

+ Added

\[4\]

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

+ Added

**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 [Complimentary Insurance Policy Information booklet](%5BBVAR#wbc-public-domain%5D/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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This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

+ Added

[Return to footnote 4](#)

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

+ Added

\[5\]

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**\~ Bonus Qantas or Velocity Points Promotion Altitude Black:** Offer commenced 1st May 2026\. To be eligible for bonus Qantas or Velocity Points, you must apply and be approved for a new Altitude Qantas Black or Altitude Velocity Black credit card before the offer is withdrawn. You will receive an initial 90,000 bonus points if you spend $6k or more on eligible purchases within 90 days of card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria. In your second year, spend a minimum of $6k on eligible purchases within 90 days of your card opened date anniversary, and you'll earn an additional 60,000 bonus points. These additional points will be credited to your points balance within 12 weeks of meeting the spend criteria. If you do not meet the minimum spend in the first year, you forfeit the bonus points for the first year only, however you are still eligible for bonus points in the subsequent year if you meet the minimum spend in the subsequent year during the promotional period. Existing Westpac customers who currently hold an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card, or who have held one in the last 24 months, are not eligible for this offer. Qantas 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

**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/travel-info/onboard-experience/seat-selection/eligibility/) and the [Virgin Australia Fare Conditions and Virgin Australia Conditions of Carriage](https://www.virginaustralia.com/us/en/about-us/policies/legal/conditions-of-carriage/) as amended from time to time.

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**<Existing Customers Only - Reduced First year Card Fee for Altitude Qantas Black and Altitude Velocity Black:** Offer commenced 1st May 2026\. The discounted first year Card Fee of $200 is available for existing Westpac customers when you apply and are approved for a new Altitude Black credit card before the offer is withdrawn. After the first year, the Card Fee reverts to $295 thereafter, and will be debited to your account annually on the 12-month anniversary of the Card Fee date. A $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.

+ Added

[Return to footnote 5](#)

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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.

+ Added

\[6\]

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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.

+ Added

**Virgin Australia Domestic Lounge Passes** Two complimentary single-entry Virgin Australia Domestic Lounge Passes are available to Westpac Altitude Velocity Black Mastercard cardholders each year. To be eligible, your card account must not be in arrears for more than two consecutive statement cycles in accordance with the [Altitude Terms and Conditions](%5BBVAR#wbc-public-domain%5D/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-altitude-terms-and-conditions.pdf), you must have provided Westpac with your Velocity Frequent Flyer number and you have made a direct spend with Virgin Australia every year on your Altitude Velocity Black Mastercard from your card open date. You will become eligible upon card activation in your first year and then each anniversary thereafter. Virgin Australia Lounge Passes are valid for 12 months from date of issuance and will appear on your Velocity Frequent Flyer membership account within 10 business days of meeting eligible spend. Virgin Australia lounge is operated by Virgin Australia Airlines Pty Ltd in [selected domestic airport locations](https://www.virginaustralia.com/au/en/travel-info/at-the-airport/lounge/domestic/) and entry is subject to the [Westpac Altitude Velocity Black Mastercard Lounge Pass Conditions](https://experience.velocityfrequentflyer.com/partners-offers/credit-cards-banking-insurance/westpac) and [Virgin Australia Lounge Terms and Conditions](https://www.virginaustralia.com/au/en/travel-info/at-the-airport/lounge/terms-and-conditions/) which are subject to change from time to time.

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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.

+ Added

[Return to footnote 6](#)

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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.

+ Added

\[7\]

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**Concierge Services** for Altitude Black. Concierge services are provided by a third party supplier. For further details including terms and conditions visit [westpac.tenconcierge.com](https://westpac.tenconcierge.com/)

+ Added

**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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**1.** **Virgin Australia Domestic Lounge Passes** Two complimentary single-entry Virgin Australia Domestic Lounge Passes are available to Westpac Altitude Velocity Black Mastercard cardholders each year. To be eligible, your card account must not be in arrears for more than two consecutive statement cycles in accordance with the [ 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 "Follow link"), you must have provided Westpac with your Velocity Frequent Flyer number and you have made a direct spend with Virgin Australia every year on your Altitude Velocity Black Mastercard from your card open date. You will become eligible upon card activation in your first year and then each anniversary thereafter. Virgin Australia Lounge Passes are valid for 12 months from date of issuance and will appear on your Velocity Frequent Flyer membership account within 10 business days of meeting eligible spend. Virgin Australia lounge is operated by Virgin Australia Airlines Pty Ltd in [selected domestic airport locations](https://www.virginaustralia.com/au/en/travel-info/at-the-airport/lounge/domestic/ "Follow link") and entry is subject to the [Westpac Altitude Velocity Black Mastercard Lounge Pass Conditions](https://experience.velocityfrequentflyer.com/partners-offers/credit-cards-banking-insurance/westpac "Follow link") and [Virgin Australia Lounge Terms and Conditions](https://www.virginaustralia.com/au/en/travel-info/at-the-airport/lounge/terms-and-conditions/ "Follow link") which are subject to change from time to time.

+ Added

[Return to footnote 7](#)

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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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\[8\]

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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 850KB)](/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.

+ Added

**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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**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

[Return to footnote 8](#)

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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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The Westpac Extras program is subject to the [ Pdf File terms and conditions (PDF 164KB)](/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac%5Fextras%5Fterms%5Fand%5Fconditions.pdf) at [Westpac.com.au/extras](/personal-banking/credit-cards/westpac-extras/). Offers will also be subject to their own terms and conditions.

+ Added

**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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Read the [ Pdf File Apple Pay Terms and Conditions (PDF 160KB)](/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.

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[Return to footnote 9](#)

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Read the [ Pdf File Samsung Pay Terms and Conditions (PDF 147KB)](/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](/personal-banking/mobile-wallets/samsung-pay/) for more information. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.

+ Added

**Rewards Points**: The earning and redemption of Velocity Points are subject to the [Altitude Terms and Conditions](%5BBVAR#wbc-public-domain%5D/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 [Altitude Terms and Conditions](%5BBVAR#wbc-public-domain%5D/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 [PartPay](%5BBVAR#wbc-public-domain%5D/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. Velocity Points earned during a statement cycle are added to your respective Points balance on a monthly basis.

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The [ Pdf File Google Pay Terms and Conditions (PDF 158KB)](/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](/personal-banking/mobile-wallets/google-pay/) for more information. Google Pay is a trademarks of Google Inc.

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**Altitude Velocity**: In order to earn and redeem points, you must be a member of the relevant Frequent Flyer program. An annual $\[\[Rates#CC|Altitude Velocity Platinum.CCAVP.RewardsAnnualFee{none}\]\] Rewards Program Fee applies for customers who choose this option.

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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)](/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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**Concierge Services** for Altitude Black. Concierge services are provided by a third party supplier. For further details including terms and conditions visit [westpac.tenconcierge.com](https://westpac.tenconcierge.com/ "westpac.tenconcierge.com").

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

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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.

Start: 2026-08-23 22:25:20.000 UTC
Superseded: 2026-09-07 23:57:19.000 UTC
Last successful capture for offer: 2026-09-11 02:40:06.000 UTC

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markdown source · Recorded 2026-08-23 22:25:20.000 UTC · Commit fdf6b92d5cb541d8fb47b41520f240aab6f3cf1e

Source pages and terms

https://www.westpac.com.au/personal-banking/credit-cards/reward/altitude-velocity-black

Saved wording and terms

Rewards credit cards
Altitude Velocity Black

[Image: Altitude Velocity Black credit card]

Velocity Points

Altitude Velocity Black

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

Important notice

From 30 September 2026, we're making changes to some Westpac Credit Card fees and rates, including updates to the Rewards Points program. Find out more

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

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

See full offer details below.

Already with Westpac? Sign in to apply and get a $200 first year card fee (reverts to $295 p.a. thereafter). A $75 annual Velocity Rewards Program fee still applies.

Earn up to 1.2 Velocity Points per $1 spent on eligible purchases

Offer

Get up to 150,000 bonus Velocity Points

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

Already with Westpac? Sign in to apply and get a $200 first year card fee (reverts to $295 p.a. thereafter). A $75 annual Velocity Rewards Program fee still applies.

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

Apply now

Features

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

Complimentary Insurances - Access to Interstate Flight Inconvenience Insurance and Rental Vehicle Excess in Australia cover, up to 6 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).

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

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

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

Find out more

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

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

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

How to earn points?

1.2	Velocity Points per $1 on international spend
0.8	Velocity Points per $1 on everyday spend
0.5	Velocity Points per $1 spend on all other purchases

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

Rates and minimum requirements

New cards only.
Variable purchase rate	20.99% p.a.
Variable cash advance rate	21.99% p.a.
Minimum credit limit	$6,000
Minimum income required	$75,000 p.a.

Fees

New cards only.
Annual card fee	$295
Annual Altitude Velocity Rewards Program fee	$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	3.5% of the value of the transaction will apply to each cash advance made on your card account.These charges will appear on your credit card statement directly below the relevant cash advance.
Missed payment fee	$20 each statement cycle that the minimum monthly payment is not paid by the statement due date.

For more information about credit card fees.

What you'll need to apply

You must be

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

Meet one of the following requirements

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

See eligible Australian visa

You'll need to provide

Proof of income
Current debts and expenses

Two of these ID documents

Passport
Australian drivers' license
Medicare card
Australian birth certificate

Frequently asked questions

How do I register for the complimentary lounge passes?

Virgin Australia Domestic Lounge

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

How do I access my Economy X Seat Upgrades?

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

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

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

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

Overseas Transit Accident Insurance

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

Purchase Protection Insurance

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

Extended Warranty Insurance

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

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

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

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

Our 'everyday spend' category consists of 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).

You might be interested in

[Image]

Altitude Qantas Black

Our premier Qantas credit card gets you a high Qantas Points earn rate as well as complimentary airport lounge access, insurances and concierge.
Find out more

[Image]

Altitude Rewards Black

Our premium Altitude Rewards credit card gets you our highest Points earn rate, flexibility in how you redeem with Pay with Points, complimentary airport lounge access, insurances and more.
Find out more

[Image]

Altitude Qantas Platinum

Earn Qantas Points directly to your Qantas Frequent Flyer account and enjoy Platinum credit card benefits.
Find out more

[Image]

Altitude Rewards Platinum

Enjoy Platinum Card benefits and the flexibility of Altitude Rewards. Choose from gift cards, merchandise or our unique 'Pay with Points’ feature.
Find out more

[Image]

Altitude Velocity Platinum

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

Things you should know

Westpac Credit Cards Key Facts Sheet

Credit Card Terms and Conditions

Altitude Terms and Conditions

Westpac Credit Cards Complimentary Insurance Policy

PartPay Card Terms and Conditions

ID checklist to become a customer

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

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

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

[1]

Bonus Velocity Points Promotion Altitude Black: Offer commenced [[Rates#CC|Altitude Velocity Black.CCAVB.EffectiveDate{longDateDisplay}]]. To be eligible for bonus Velocity Points, you must apply and be approved for a new Altitude Velocity Black credit card before the offer is withdrawn. You will receive an initial [[Rates#CC|Altitude Velocity Black.CCAVB.BonusPoints1{showAsCommaSep}]] bonus points if you spend $[[Rates#CC|Altitude Velocity Black.CCAVB.EligiblePurchaseAmount{none}]]k or more on eligible purchases within [[Rates#CC|Altitude Velocity Black.CCAVB.EligiblePurchaseTerm{none}]] days of card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria. In your second year, spend a minimum of $[[Rates#CC|Altitude Velocity Black.CCAVB.EligiblePurchaseAmount{none}]]k on eligible purchases within [[Rates#CC|Altitude Velocity Black.CCAVB.EligiblePurchaseTerm{none}]] days of your card opened date anniversary, and you'll earn an additional [[Rates#CC|Altitude Velocity Black.CCAVB.BonusPoints2{showAsCommaSep}]] bonus points. These additional points will be credited to your points balance within 12 weeks of meeting the spend criteria. If you do not meet the minimum spend in the first year, you forfeit the bonus points for the first year only, however you are still eligible for bonus points in the subsequent year if you meet the minimum spend in the subsequent year during the promotional period. Existing Westpac customers who currently hold an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card, or who have held one in the last 24 months, are not eligible for this offer. Velocity Points earned during a statement cycle are added to your Velocity Points balance on a monthly basis. Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account. Credit Card Product Switches, upgrades or Westpac group staff are ineligible for this offer. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

Return to footnote 1

[2]

Existing Customers Only - Reduced First year Card Fee for Altitude Velocity Black: Offer commenced [[Rates#CC|Altitude Velocity Black.CCAVB.EffectiveDate{longDateDisplay}]]. The discounted first year Card Fee of $[[Rates#CC|Altitude Velocity Black.CCAVB.ExistingCustomerFYFeeOffer{none}]] is available for existing Westpac customers when you apply and are approved for a new Altitude Black credit card before the offer is withdrawn. After the first year, the Card Fee reverts to $[[Rates#CC|Altitude Velocity Black.CCAVB.AnnualCardFee{none}]] thereafter, and will be debited to your account annually on the 12-month anniversary of the Card Fee date. A $[[Rates#CC|Altitude Velocity Black.CCAVB.RewardsAnnualFee{none}]] annual Rewards Program Fee still applies for Altitude Velocity if you choose these programs. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

Return to footnote 2

[3]

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

Return to footnote 3

[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 Complimentary Insurance Policy Information booklet 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.

Return to footnote 4

[5]

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

Return to footnote 5

[6]

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

Return to footnote 6

[7]

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

Return to footnote 7

[8]

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

Return to footnote 8

[9]

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

Return to footnote 9

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

Altitude Velocity: In order to earn and redeem points, you must be a member of the relevant Frequent Flyer program. An annual $[[Rates#CC|Altitude Velocity Platinum.CCAVP.RewardsAnnualFee{none}]] Rewards Program Fee applies for customers who choose this option.

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

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

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

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