Westpac Altitude Velocity Black Credit Card

The Westpac Altitude Velocity Black Credit Card offers 120,000 bonus Velocity Points. Ongoing benefits include Velocity Points earned on everyday purchases, complimentary travel insurance, and Virgin Australia lounge invitations.

Updated 18 May 2022

* See details below

Expert Review

The Westpac Altitude Velocity Black credit card is Westpac's premium Velocity Frequent Flyer product. Featuring a competitive points earn rate which is uncapped, the card provides premium features such as insurances. Further, the product has a $300 annual fee, including up to 45 interest free days.

Considering its key features, this card is most suitable to someone who wishes to be rewarded for their spend. Other benefits include Overseas Travel and Medical Insurance which is similar to equivalent products and no additional cardholder fees.

Product Details
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."
- Westpac

Earn Velocity Points

0.75points per $1 spent

Account Fees

$250 annual account fee

$50 rewards fee

Additional Cardholder Fees

No additional cardholder fee

Up to 1 additional cardholder

Transaction Fees

3.00% international transaction fee

Other fees may apply.


19.99% p.a. purchase rate

21.49% p.a. cash advance rate

Up to 45 interest fee days on purchases


Overseas Travel Insurance

Interstate Flight Inconvenience Insurance

Transit Accident Insurance

Purchase Security Insurance

Price Guarantee Cover

Extended Warranty Insurance

Rental Vehicle Excess in Australia Insurance

Airport Lounge Access

2 x Virgin Australia lounge invitations each year

Bonus Points Offer

up to 120,000bonus points

0% for 24 monthson balance transfers (1.00% fee applies), reverts to 21.49% p.a.

90,000 bonus points in year 1 + 30,000 bonus points in year 2.
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Before applying for this product, you should read the Target Market Determination (TMD) available here on the Westpac website.

points per
$1 spend*
Alternative Credit Cards
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^ Credit card reward programs can be difficult to compare due to tiered and capped points earn rate structures. To simplify comparison, we estimate the number of points you could earn per $1 spent, assuming $5,000 of spend on eligible purchases each month.
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