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 24 February 2022 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).


Bonus points

19.99% p.a.

Purchase rate


Reward points

Per $ spent

$300 p.a.

Annual fee

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!


Product NameWestpac Altitude Black - Velocity
Rewards programVelocity Frequent Flyer
Balance transfer rate0% p.a. for 24 months with 1% balance transfer fee
Balance transfer revert rateCash Advance Rate (21.49% p.a.)
Balance transfer limit80% of available limit
Purchase rate19.99% p.a.
Annual fee$300
Interest-free periodUp to 45 days on purchases
Cash advance rate21.49% p.a.
Min credit limit$15,000
Max credit limit$75,000
Card typeMastercard
Foreign currency conversion fee3%
Minimum income$75,000
Available to temporary residentsYes - Conditions apply
Joint applicationNo


  • Up to 120,000 bonus Velocity Points
  • 0% p.a. for 24 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


  • 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 programVelocity Frequent Flyer
Bonus points120,000
Rewards points per $ spent0.75
Annual fee$300
Minimum monthly repayment2% of the closing balance or $10, whichever is greater
Late payment fee$15
Foreign currency conversion fee3%
Cash advance fee3%
Overseas cash advance fee2%
Additional cardholder fee$0
Number of additional cardholders1

Review by

Amy 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.

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, 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. 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 24 February 2022, are approved, and spend at least $4,000 on eligible purchases within 90 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.
  • Balance transfer offer. Apply by 24 February 2022 and request a balance transfer at the time of your application to get an introductory 0% balance transfer rate for the first 24 months. This offer also has a one-time 1% balance transfer fee. Any remaining balance after the promotional period ends is subject to the cash advance rate.

Rates & fees

  • Annual fee. This card charges a total annual fee of $300. This is made up of a $250 annual card fee plus $50 Velocity Rewards fee.
  • Purchase interest rate. The variable interest rate on purchases is 19.99% p.a.

Ask an expert

To ask a question simply log in via your email or create an account.

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.


    Default Gravatar
    September 25, 2019

    Does this card attract overseas transaction fee when using abroad?

      Avatarfinder Customer Care
      September 26, 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!


    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?

      Avatarfinder Customer Care
      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!


    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

      Avatarfinder Customer Care
      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 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,


Go to site