In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask an expert
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Westpac Altitude Black – Velocity

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Westpac Altitude Black - Velocity
Terms and conditions apply
Bonus points
Purchase rate
19.99% p.a.
Reward points per $ spent
Annual fee
$370 p.a.

Our verdict

Receive up to 120,000 bonus Velocity Points and yearly complimentary Economy X Seat Upgrade vouchers with the Westpac Altitude Black.

The Westpac Altitude Black Credit Card gives you a choice of rewards programs, including Velocity Frequent Flyer. Right now, it has one of the biggest bonus Velocity Points offers on the market, with up to 120,000 bonus Velocity Points when you apply by 30 April 2024: you'll get 90,000 bonus Velocity Points when you spend $6,000 on eligible purchases in the first 120 days of card approval and an additional 30,000 points after the first eligible purchase in the second year. That's enough for 2 return business class reward flights from Melbourne to the Sunshine Coast (94,000 Velocity Points plus fees and taxes), or a one-way business class flight from Sydney to Los Angeles (95,500 Velocity Points plus fees and taxes, flying with United Airlines).


  • Up to 120,000 bonus Velocity Points
  • 2 complimentary Economy X Seat Upgrade Vouchers each year
  • 2 complimentary domestic Virgin Australia lounge passes per year
  • Complimentary insurance covers including overseas travel, extended warranty and purchase security


  • Charges a high combined annual fee of $370 p.a.
  • Only offers up to 45 days interest-free on purchases, compared to other cards that offer up to 55 days

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask an expert

The Westpac Altitude Black - Velocity offers points and premium perks including complimentary lounge passes, travel insurance covers and a personal concierge service. It's also set apart from other Velocity credit cards by offering 2 Economy X Seat Upgrade Vouchers for eligible flights each year you have the card. As with any frequent flyer credit card, the value you get from points and other perks can help justify the yearly cost – but only when you use these perks.


Product details

Product Name Westpac Altitude Black - Velocity
Purchase rate p.a. 19.99%
Interest-free period Up to 45 days on purchases
Cash advance rate p.a. 21.49%
Min credit limit $15,000
Max credit limit $75,000
Card type Mastercard


Available to temporary residents Yes - Conditions apply
Minimum income $75,000
Joint application No


Rewards program Velocity Frequent Flyer
Bonus points 120,000
Rewards points per $ spent 0.75


Annual fee $370
Minimum monthly repayment 2% of the closing balance or $10, whichever is greater
Late payment fee $15
Foreign currency conversion fee 3%
Cash advance fee 3%
Overseas cash advance fee 2%
Additional cardholder fee $0
Number of additional cardholders 1

How to apply

You can apply for the Westpac Altitude Black - Velocity card online and receive a response in 60 seconds. Before you start, make sure you meet the eligibility requirements and have the necessary information to complete the application.

Eligibility criteria

  • New customer. To be eligible for the bonus points offer, you cannot hold or have held a Westpac rewards card in the previous 12 months.
  • Residency. This card is available to permanent Australian residents.

Card benefits

  • Up to 120,000 bonus Velocity Points. When you apply for a Westpac Altitude Black credit card by 30 April 2024, are approved, and spend at least $6,000 on eligible purchases within 120 days of card approval, you will receive 90,000 bonus Velocity Points. You'll get another 30,000 points after making your first eligible purchase in the second year. Your points will be added to your account within 12 weeks after you've met the spend requirement.
  • Economy X Seat Upgrade Vouchers each year. When you add your membership number to your account and make a direct spend with Virgin Australia on your card, you will receive 2 vouchers for Economy X Seat Upgrades for eligible domestic flights each year to use for yourself and/or other passengers travelling on the same itinerary. The vouchers will be added to your account within 10 days of meeting the spend requirement and can be redeemed by calling 1300 038 373 at least 24 hours prior to your flight.

Rates & fees

  • Annual fee. This card charges a total annual fee of $370.
  • Purchase interest rate. The variable interest rate on purchases is 19.99% p.a.

Your reviews

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February 24, 2023


I was wondering if the 0.75 Velocity reward point rate would be applicable for payments made to the Australian Tax Office. I understand Westpac Altitude would not but is it different for a Velocity reward card?

Also is it strange that I am not able to view reward points earned per transaction? I have just spoken to Westpac Altitude customer support and they have confirmed it is not possible for me to view each individual transaction earn rate. I can just see the total for the month which is transferred to Velocity… but how can I be sure that it is correct?


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Amy Bradney-George Finder

March 03, 2023

Hi Owen,

Unfortunately, you can’t earn Westpac Altitude or Velocity Points for payments to the ATO with this card. Finder has a guide on credit cards that earn points for ATO payments that may be helpful.

Regarding the amount of points, it’s common for credit cards to show a total amount rather than points earned per transaction. Adding up the eligible spending for a period and looking at the points earned is a simple way to check that it matches up. Just keep in mind that some transactions won’t be for whole dollars, so the value of the cents could affect the amount of points earned. I hope that helps!

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February 14, 2023

1. With my current black card, I earn point with the dollar spending. With the Velocity card, does it work the same?

2. My Black card came with a Sub card, with the Velocity card do I still get the sub card?

3. How will you get the yearly complimentary Economy X Seat?


Amy Bradney-George Finder

February 24, 2023

Hi Mike,

Thanks for your questions, here are the responses:

1. Yes, this card earns Velocity Points per $1 on eligible spending, at the rate listed in this review and on the Westpac website.

2. You can add 1 additional cardholder to this account at no extra cost, as long as they are at least 16 years of age.

3. To get the complimentary Economy X Seat Upgrade Vouchers, you need to add your Velocity membership number to your Westpac account and make a direct spend with Virgin Australia on your card. The vouchers will be added to your account within 10 days of meeting the spend requirement. To use them, you need to first book an eligible domestic Virgin Australia flight, then call Virgin Australia on 1300 038 373 at least 24 hours before your flight and ask to redeem the vouchers.



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September 25, 2019

Does this card attract overseas transaction fee when using abroad?


Joshua Finder

September 25, 2019

Hi Lisa,

Thanks for getting in touch with Finder. I hope all is well with you. 😃

The answer to your question is yes. Westpac Altitude Black comes with a foreign transaction fee. This is charged when you spend in a foreign currency. The fee is 3% of the transaction value.

I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

Have a wonderful day!



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August 15, 2019

Are there more than 2 cards available per account? If so, what is the cost for an additional card, please?


Jeni Finder

August 16, 2019

Hi Mark,

Thank you for getting in touch with Finder.

This Westpac Altitude Black – Velocity credit card allows only one additional cardholder at no cost.

I hope this helps.

Thank you and have a wonderful day!





July 07, 2019

I had Westpac Altitude Black card earlier and cancelled about 18 months back. Am I eligible for bonus velocity points if I meet other criteria? Regards


Faye Manuel Finder

July 08, 2019

Hi Naru,

Thanks for contacting Finder.

If you are referring to the 80,000 bonus Velocity Points, you can only be eligible if you were approved for a Westpac Altitude Black credit card on or before 15 October 2019 and spent at least $4,000 on eligible purchases within 90 days from card approval.

You can also check other credit cards earning Velocity Points if you’d like to compare your options. You can use our comparison table to help you find the card that suits you. When you are ready, press the ‘Go to site’ button to apply. Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.

I hope this helps

Kind Regards,


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