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You could earn up to 100,000 bonus Velocity Points[](#disclaimer-1 "[#]")

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**Already with Westpac?** Sign in to apply and get a $99 first year card fee (reverts to $175 p.a. thereafter).[](#disclaimer-2 "[#]")A $75 annual Velocity Rewards Program fee still applies

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Earn up to 0.75 Velocity Points per $1 spent on eligible purchases[](#disclaimer-3 "[#]")

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Get up to **100,000** bonus Velocity Points[](#disclaimer-1 "[#]") — **70,000** bonus Velocity Points in year 1 if you spend $4k+ on eligible purchases[](#disclaimer-3 "[#]") within 90 days of new card approval and an extra **30,000** points with $4k+ spend on eligible purchases[](#disclaimer-3 "[#]") within 90 days of card anniversary in year 2.

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**Already with Westpac?** Sign in to apply and get a $99 first year card fee (reverts to $175 p.a. thereafter).[](#disclaimer-2 "[#]")A $75 annual Velocity Rewards Program fee still applies.

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**Complimentary Insurances** \- Access to Interstate Flight Inconvenience Insurance and Rental Vehicle Excess in Australia cover, up to 3 months' complimentary cover for international travel insurance, plus extended warranty, purchase protection for up to 4 months and overseas transit accident insurance (terms, conditions, exclusions and eligibility criteria apply).[](#disclaimer-4 "[#]")

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**Up to 45 days interest-free** \- To give you more opportunity to avoid interest charges on your purchases.[](#disclaimer-5 "[#]") Note cash advances aren’t covered by this interest-free period.

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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](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.​

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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](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").

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**Additional cardholder** \- Add 1 additional cardholder (16 years or older) at no extra cost.[](#disclaimer-6 "[#]")

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| 0.75     | **Velocity Points per $1 on international spend**                              |
| -------- | ------------------------------------------------------------------------------ |
| **0.5**  | **Velocity Points per $1 on everyday spend**                                   |
| **0.35** | **Velocity Points per $1 spend on all other purchases[](#disclaimer-7 "[#]")** |

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Once you spend $5,000 in a statement cycle, you will earn 0.2 Velocity Points per $1 on further eligible purchases.[](#disclaimer-3 "[#]")

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#### You must be

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

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#### You'll need to provide

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#### Two of these ID documents

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How do I access my Economy X Seat Upgrades? 

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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-8 "[#]") 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-8 "[#]")

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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-8 "[#]")

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

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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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What do the complimentary insurances cover? 

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

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

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

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

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

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## You might be interested in

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*   
### 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 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.  
[Find out more](/credit-cards/reward/altitude-velocity-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)

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## Things you should know

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

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

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

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

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

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

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

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

+ Added

\[1\] 

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**Bonus Velocity Points Promotion Altitude Platinum**: Offer commenced \[\[Rates#CC|Altitude Velocity Platinum.CCAVP.EffectiveDate{longDateDisplay}\]\]. To be eligible for bonus Velocity Points, you must apply and be approved for a new Altitude Velocity Platinum credit card before the offer is withdrawn. You will receive an initial \[\[Rates#CC|Altitude Velocity Platinum.CCAVP.BonusPoints1{showAsCommaSep}\]\] bonus points if you spend $\[\[Rates#CC|Altitude Velocity Platinum.CCAVP.EligiblePurchaseAmount{none}\]\]k or more on eligible purchases within \[\[Rates#CC|Altitude Velocity Platinum.CCAVP.EligiblePurchaseTerm{none}\]\] days from card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria. In your second year, spend a minimum of $\[\[Rates#CC|Altitude Velocity Platinum.CCAVP.EligiblePurchaseAmount{none}\]\]k on eligible purchases within \[\[Rates#CC|Altitude Velocity Platinum.CCAVP.EligiblePurchaseTerm{none}\]\] days of your card opened date anniversary, and you'll earn an additional \[\[Rates#CC|Altitude Velocity Platinum.CCAVP.BonusPoints2{showAsCommaSep}\]\] 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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[Return to footnote 1](#) 

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\[2\] 

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**Existing customers only - Reduced First year Card Fee for Altitude Velocity Platinum**: Offer commenced \[\[Rates#CC|Altitude Velocity Platinum.CCAVP.EffectiveDate{longDateDisplay}\]\]. The discounted first year Card Fee of $\[\[Rates#CC|Altitude Velocity Platinum.CCAVP.ExistingCustomerFYFeeOffer{none}\]\] is available for existing Westpac customers when you apply and are approved for a new Altitude Velocity Platinum card before the offer is withdrawn. After the first year, the Card Fee reverts to $\[\[Rates#CC|Altitude Velocity Platinum.CCAVP.AnnualCardFee{none}\]\], and will be debited to your card account on the 12-month anniversary of the Card Fee date and annually thereafter. A $\[\[Rates#CC|Altitude Velocity Platinum.CCAVP.RewardsAnnualFee{none}\]\] 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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[Return to footnote 2](#) 

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\[3\] 

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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

[Return to footnote 3](#) 

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\[4\] 

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

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[Return to footnote 4](#) 

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\[5\] 

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**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 5](#) 

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\[6\] 

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**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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[Return to footnote 6](#) 

+ Added

\[7\] 

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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 7](#) 

+ Added

\[8\] 

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**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 8](#) 

+ Added

**Rewards Points**: The earning and redemption of Velocity Points are subject to the [Altitude Terms and Conditions](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](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](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 $\[\[Rates#CC|Altitude Velocity Platinum.CCAVP.RewardsAnnualFee{none}\]\] Rewards Program Fee applies for customers who choose this option.

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

+ Added

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

+ Added

## Not a Westpac customer

+ Added

[ Apply now](#) 

## Already a Westpac customer

[ Sign in](#)