Westpac credit cards that earn Velocity Points

You can use this guide to compare Westpac credit cards that earn Velocity Points, learn how to exchange your Altitude Points for frequent flyer points and the factors to consider before you apply.

Comparison of Westpac credit cards

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Name	Product	Bonus points	Rewards program	Rewards points per $ spent	Purchase rate	Annual fee
Westpac Altitude Platinum Qantas		60,000	Qantas Frequent Flyer	0.5	20.49% p.a.	$99 annual fee for the first year ($200 p.a. thereafter)	Get 60,000 bonus Qantas Points when you spend $3,000 within 90 days. Plus, a first-year annual fee discount and a long-term balance transfer offer.	Go to site More Info	Compare	loading Fetching your data...
Westpac Altitude Black		150,000	Westpac Altitude Rewards	1.25	20.49% p.a.	$250	Earn 150,000 bonus Altitude Points when you meet the spend requirement. Plus, 2 yearly Priority Pass lounge invitations.	Go to site More Info	Compare	loading Fetching your data...
Westpac Altitude Platinum Card		80,000	Westpac Altitude Rewards	1	20.49% p.a.	$99 annual fee for the first year ($150 p.a. thereafter)	Earn 80,000 bonus Altitude Points when you spend $3,000 within 90 days. Plus, a first-year annual fee discount and a long-term balance transfer offer.	Go to site More Info	Compare	loading Fetching your data...
Westpac Altitude Black - Qantas		120,000	Qantas Frequent Flyer	0.75	20.49% p.a.	$300	Earn up to 120,000 bonus Qantas Points when you meet the spend requirement. Plus, 2 yearly Qantas Club lounge invitations.	More Info	Compare	loading Fetching your data...

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How to exchange your Altitude Points for Velocity Points

You can transfer your Altitude Points using the following steps:

1. Log in to your Altitude Rewards account at www.altituderewards.com.au.
2. Select "Redeem Points" and then select the Velocity Rewards option. You will then be shown the two different ways you can redeem points.
3. Select "Transfer Now" for a one-off redemption, or "Set up Auto-Redemption" for automatic redemptions.
4. Follow the prompts to complete the redemption process.

If you've opted for a credit card that's linked with the Westpac Altitude rewards program, you can exchange 3 Altitude Points for 1 Velocity Points. You can either choose to do a one-off transfer or set up automatic, monthly redemptions. If you're doing a one-off transfer, you can exchange a minimum of 3,000 Altitude points per transfer and any additional increments must be made in multiples of 500 Altitude points at a time.

If you choose automatic redemption, your entire accumulated Altitude Points balance is transferred to your nominated Velocity Frequent Flyer Account on your credit card statement date every month. A minimum balance of two Altitude points is required for an auto-redemption to occur. Once the points have been transferred, you can expect them in your Velocity account within three business days.

Factors to consider when comparing

If you’re considering getting a Westpac Velocity rewards credit card, the following factors will help you compare your options:

• Exchanging points vs direct earn. Whether you should choose a card that earns Velocity Points directly or Altitude Points depends on your point goals. If you're only interested in travel rewards and flights, you may find more value in the cards that directly earn Velocity Points. Whereas you may prefer to earn Altitude Points if you want the flexibility to redeem products from the Altitude Rewards store, cashback on your account or other frequent flyer points (such as Singapore Airlines KrisFlyer or Air New Zealand Airpoints). The cards that earn Velocity Points charge higher annual fees but the flight rewards you could redeem may outweigh this cost.
• Bonus points and earn rates. These cards regularly offer thousands of bonus points to new customers who meet the spend requirements. As well as the card's regular earn rates, consider these introductory bonus points offers and how many points you'll earn per $1 to decide which card could offer you the most value.
• Complimentary extras. Like many rewards and frequent flyer cards, most of these products also come with extra features. Depending on the card, this could include complimentary travel insurance, airport lounge passes, concierge services and more. Make sure to compare these features and whether or not you'll use them before you apply.

If you're a Velocity Points chaser, Westpac offers a few cards to help reward your spending. Before you pick a card, make sure to compare these offers with other Velocity credit cards to find the right one for you.

Frequently asked questions

• How can I opt-out of Velocity Auto-Redemption?

  If you decide you don’t want to automatically redeem your Altitude Rewards points for Velocity points, call the Altitude Rewards centre on 1300 887 820, 8am-8pm (AEST), Monday to Friday.

• Is there a limit to the number of one-off transfers I can do each year?

  No, there is no limit, providing you have at least 3,000 Altitude points per transfer.

• What other frequent flyer programs can I transfer Altitude points to?

  As well as Velocity Frequent Flyer, you can transfer Altitude Rewards points to any of the following programs:

  1. Asia Miles
  2. Air New Zealand Airpoints
  3. Malaysia Airlines Enrich
  4. Singapore Airlines KrisFlyer

  Note that different transfer rates and processes may apply. Check the Altitude Rewards website for specific details on any of these rewards programs.

• Can I earn Qantas points with a Westpac Altitude credit card?

  Yes, you can earn Qantas Points with the Westpac Altitude Platinum card - Qantas and Westpac Altitude Black card - Qantas cards.