Westpac Altitude Black – Velocity

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Receive 80,000 bonus Velocity Points, 50 Status Credits and complimentary Economy X Seat Upgrade vouchers with the Westpac Altitude Black.

The Westpac Altitude Black - Velocity is packed with rewards and premium perks including complimentary lounge passes, travel insurance covers, a personal concierge service and Economy X Seat Upgrade Vouchers.


Bonus points

20.49% p.a.

Purchase rate


Reward points

Per $ spent (Visa/Mastercard)

$300 p.a.

Annual fee


Product NameWestpac Altitude Black - Velocity
Rewards ProgramVelocity Frequent Flyer
Purchase Rate20.49% p.a.
Annual Fee$300
Interest Free Period45 days
Cash Advance Rate21.49% p.a.
Minimum Credit Limit$15,000
Maximum Credit Limit$75,000
Card TypeMastercard
Foreign Currency Conversion Fee (Visa/Mastercard)3% of transaction value
Complimentary Travel InsuranceYes
Minimum Income$75,000
Minimum Age18 years of age
Available to Temporary ResidentsYes - Conditions apply
Joint ApplicationNo


  • 80,000 bonus Velocity Points when you spend $4,000 on eligible purchases within the first 90 days.
  • 50 status credits when you spend an additional $6,000 in the first year.
  • 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.


  • There is an interest-free period of only up to 45 days days on purchases as compared to other cards that offer up to 55 days interest-free.
  • This card charges a relatively high annual fee of $300 (includes Altitude Velocity fee).
Rewards ProgramVelocity Frequent Flyer
Bonus Points80,000 bonus points
Rewards Points per $ spent (Visa/Mastercard)0.75
Annual Fee$300
Minimum Monthly Repayment2% of the closing balance or $10, whichever is greater
Late Payment Fee$15
Foreign Currency Conversion Fee (Visa/Mastercard)3% of transaction value
Cash Advance Fee2% or $2.50, whichever is greater
Overseas Cash Advance Fee2%
Additional Cardholder Fee$0
Number of Additional Cardholders1

Expert review

Amy Bradney-George

Review by

Amy is an editor and writer at finder.com.au with more than 10 years experience covering credit cards, personal finance and various lifestyle topics. When she’s not sharing her knowledge on money matters, Amy spends her time as an actress.

Expert review

Not just for Qantas Frequent Flyers anymore, the Westpac Altitude Black also offers a Velocity option. Earning 0.75 Velocity Points per $1 spent on eligible purchases and offering 50 Status Credits when you spend $6,000 throughout the year, this offer is competitive compared to other Velocity cards on the market. When you factor in the lounge passes and seat upgrade vouchers, travellers can look forward to a fully loaded product.

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. The bonus points offer is only available to new cardholders.
  • Residency. This card is available to permanent Australian residents.

Card benefits

  • 80,000 bonus Velocity Points. When you apply for a Westpac Altitude Black credit card by 15 October 2019, are approved, and spend at least $4,000 on eligible purchases within 90 days from card approval, you will receive 80,000 bonus Velocity Points.
  • 50 Status Credits. Get 50 Velocity Status Credits when you spend an additional $6,000 in the first year. These bonus credits alone get you 20% of the way to Silver Status.

Rates & fees

  • Annual fee. This card charges a total annual fee of $300 p.a. This is made up of a $250 standard annual fee plus $50 Velocity Rewards fee.
  • Purchase interest rate. The variable interest rate on purchases is 20.49% p.a.

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  1. Default Gravatar
    August 15, 2019

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

    • AvatarStaff
      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!


  2. Default Gravatar
    July 7, 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

    • AvatarStaff
      July 9, 2019

      Hi Naru,

      Thanks for contacting Finder.

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

      You may check out this page to see other credit cards to earn Velocity Points.

      I hope this helps

      Kind Regards,


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