Considerations
- A higher interest rate on purchases than our low rate cards
- Our highest annual card fee
- Our Low Rate and Low Fee cards offer up to 55 days interest-free on purchases
What you're applying for
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Altitude Velocity Black
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Summary
Let's recap on your choice of an Altitude Velocity Black card. To get this benefit you must apply from this page.
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From 30 September 2026, we're making changes to some Westpac Credit Card fees and rates, including updates to the Rewards Points program. Find out more
From 1 October 2026, we’re making changes to the Westpac Credit Cards Complimentary Insurance Policy. Find out more
Important notice
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Overview
Our premier credit card that provides access to a credit facility to make payments and perform transactions, and offers the ability to earn Velocity Points and receive travel related benefits.
The important numbers
The following standard credit card interest rates, annual card fees and credit limits apply for the new card:
- Minimum credit limit of $6,000
- Annual card fee of $295 and annual Altitude Velocity Rewards Program fee of $75
- Variable purchase rate of 20.99% p.a. and variable cash advance rate of 21.99% p.a.
- Earn 1.2 Velocity Points per $1 on international spend
- Earn 0.8 Velocity Points per $1 on everyday spend
- Earn 0.5 Velocity Points per $1 spend on all other purchases[#]
- Once you spend $10,000 in a statement cycle, you will earn 0.25 Velocity Points per $1 on further eligible purchases.[#]
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Offer
Get up to 150,000 bonus Velocity Points
Get up to 150,000 bonus Velocity Points[#] — 90,000 Velocity Points in year 1 if you spend $6k+ on eligible purchases[#]within 90 days of new card approval and an extra 60,000 points with $6k+ spend on eligible purchases[#]within 90 days of card anniversary in year 2.
Plus, a $0 card fee in the first year[#](reverts to $295 p.a. thereafter). A $75 Annual Rewards Program Fee applies if you choose Velocity Rewards Program.
Offer not available if you’ve held a Westpac Rewards card in the last 24 months. New cards only. T&Cs apply.
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Eligibility and what you'll need
You must be
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Aged 18 or over AND
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Live at a fixed Australian address AND
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Receive a regular and verifiable Australian taxable income AND
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Meet ONE of the following three requirements
- Be an Australian or New Zealand citizen OR
- Be an Australian permanent resident OR
- Hold a valid temporary residence visa with a minimum of 1 year before expiry. See eligible Australian visa
You'll need to provide
- Proof of income
- Current debts and expenses
Two of these ID documents
- Passport
- Australian drivers' license
- Medicare card
- Australian birth certificate
Confirm to start your application
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Yes, this is what I'm looking for
Tell us why you want this card (tick all that apply)
I want to earn rewards points
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I want travel related benefits
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I want complimentary insurance
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No, I want to look at something else
Apply now
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Other options
Credit cards are a secure payment method for short-term borrowing needs such as everyday purchases or unplanned expenses, with some cards offering additional features like rewards. However, there are instances where it might be worth considering another form of credit:
- You have a longer-term or specific borrowing need, like a car or home renovations. In this case, view our Personal loans
- You want a repayment schedule with fixed repayments and a defined loan end-date. In this case, view our Personal loans
- You need ongoing help with short-term cashflow (and if applying online, already have a Westpac Home Loan, or paid your income into one of our transaction or savings accounts for over six months). In this case, view our Flexi Loan.
Things you should know
Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.