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Westpac Altitude Black – Velocity
Receive up to 120,000 bonus Velocity Points and yearly complimentary Economy X Seat Upgrade vouchers with the Westpac Altitude Black.
When you apply before 07 September 2021 and spend $4,000 on eligible purchases within 90 days of card approval, you will receive 90,000 bonus Velocity Points and an additional 30,000 points after the first eligible purchase has been made in the second year (120,000 points total).
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120,000
Bonus points
20.49% p.a.
Purchase rate
0.75
Reward points
Per $ spent
$300 p.a.
Annual fee
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Details
| Product Name | Westpac Altitude Black - Velocity |
|---|---|
| Rewards program | Velocity Frequent Flyer |
| Balance transfer rate | 0% p.a. for 18 months with 1% balance transfer fee |
| Balance transfer revert rate | Cash Advance Rate (21.49% p.a.) |
| Balance transfer limit | 80% of available limit |
| Purchase rate | 20.49% p.a. |
| Annual fee | $300 |
| Interest-free period | Up to 45 days on purchases |
| Cash advance rate | 21.49% p.a. |
| Min credit limit | $15,000 |
| Max credit limit | $75,000 |
| Card type | Mastercard |
| Foreign currency conversion fee | 3% |
| Minimum income | $75,000 |
|---|---|
| Available to temporary residents | Yes - Conditions apply |
| Joint application | No |
Pros
- Up to 120,000 bonus Velocity Points
- 0% p.a. for 18 months on balance transfers
- 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
Cons
- Charges a high combined annual fee of $300
- Only offers up to 45 days interest-free on purchases, compared to other cards that offer up to 55 days
- A 1% balance transfer fee applies
| Rewards program | Velocity Frequent Flyer |
|---|---|
| Bonus points | 120,000 |
| Rewards points per $ spent | 0.75 |
| Annual fee | $300 |
|---|---|
| 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 | 2% or $2.50, whichever is greater |
| Overseas cash advance fee | 2% |
| Additional cardholder fee | $0 |
| Number of additional cardholders | 1 |
Review by
Amy Bradney-George
amy.bradney-george@finder.comAmy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.
