+ Added

Velocity Points 

+ Added

# Altitude Velocity Black

+ Added

#### Important notice

+ Added

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

+ Added

**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.

+ Added

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

+ Added

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

+ Added

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.

+ Added

**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.

+ Added

Apply now

+ Added

### Features

+ Added

**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 "[#]")

+ Added

**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.

+ Added

**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.

+ Added

**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](https://www.westpac.com.au/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.​

+ Added

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

+ Added

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

+ Added

### How to earn points?

+ Added

| 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 "[#]")** |

+ Added

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

+ Added

### Rates and minimum requirements

+ Added

### Fees

+ Added

### What you'll need to apply

+ Added

#### You must be

+ Added

See [eligible Australian visa (PDF)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/wbc-eligible-australian-visa-list.pdf "eligible Australian visa")

+ Added

#### You'll need to provide

+ Added

#### Two of these ID documents

+ Added

### Frequently asked questions

+ Added

How do I register for the complimentary lounge passes? 

+ Added

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

+ Added

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.

+ Added

How do I access my Economy X Seat Upgrades? 

+ Added

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 "[#]")

+ Added

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 "[#]")

+ Added

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

+ Added

You can obtain written confirmation of eligibility for cover for your overseas journey from the issuer of the insurance, AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited, based on the answers you give AGA, by applying online at: [checkyourcover.com.au/westpac](https://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 "[#]")

+ Added

What do the complimentary insurances cover? 

+ Added

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

+ Added

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

+ Added

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

+ Added

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

+ Added

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

+ Added

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

+ Added

## You might be interested in

+ 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)

+ Added

## Things you should know

+ Added

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

+ Added

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

+ Added

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

+ Added

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

+ Added

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

+ Added

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

+ Added

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

+ Added

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

+ Added

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

+ Added

\[1\] 

+ Added

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

+ Added

[Return to footnote 1](#) 

+ Added

\[2\] 

+ Added

**Existing Customers Only - Reduced First year Card Fee for Altitude Velocity Black**: Offer commenced 1st May 2026\. The discounted first year Card Fee of $200 is available for existing Westpac customers when you apply and are approved for a new Altitude Black credit card before the offer is withdrawn. After the first year, the Card Fee reverts to $295 thereafter, and will be debited to your account annually on the 12-month anniversary of the Card Fee date. A $75 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.

+ Added

[Return to footnote 2](#) 

+ Added

\[3\] 

+ 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.

+ Added

[Return to footnote 3](#) 

+ Added

\[4\] 

+ 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 (PDF)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC%5FConsumer%5FCredit%5FCard%5FComp%5FInsurance%5FAllianz.pdf) which may be amended from time to time. This insurance is underwritten by Allianz. Westpac does not guarantee this insurance. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it.

+ Added

[Return to footnote 4](#) 

+ Added

\[5\] 

+ 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.

+ Added

[Return to footnote 5](#) 

+ Added

\[6\] 

+ 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 (PDF)](https://www.westpac.com.au/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.

+ Added

[Return to footnote 6](#) 

+ Added

\[7\] 

+ 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.

+ Added

[Return to footnote 7](#) 

+ Added

\[8\] 

+ 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.

+ Added

[Return to footnote 8](#) 

+ Added

\[9\] 

+ 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.

+ Added

[Return to footnote 9](#) 

+ Added

**Rewards Points**: The earning and redemption of Velocity Points are subject to the [Altitude Terms and Conditions (PDF)](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 [Altitude Terms and Conditions (PDF)](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 [PartPay (PDF)](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. Velocity Points earned during a statement cycle are added to your respective Points balance on a monthly basis.

+ Added

**Altitude Velocity**: 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

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

## Not a Westpac customer

[ Apply now](#) 

## Already a Westpac customer

[ Sign in](#)