You could earn up to 150,000 bonus Velocity Points[#].
See full offer details below.
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.
Already with Westpac? Sign in to apply and get a $200 first year card fee (reverts to $295 p.a. thereafter)[#]. A $155 annual Velocity Rewards Program fee still applies.
Offer not available if you’ve held a Westpac credit card in the last 24 months. New cards only. Credit criteria and T&Cs apply.
Complimentary travel insurances - Access to a range of complimentary travel insurances provided by Allianz Global Assistance.
- International cover includes Overseas Emergency Assistance, Overseas Medical & Hospital Expenses, and Personal Liability
- Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia covers benefits such as Cancellation, Flight Delay, Lost Luggage and Rental Vehicle Insurance
Terms, conditions, exclusions, limits and applicable sub-limits and eligibility apply.[#]
Personal Concierge Service - Exclusive to Westpac Altitude Black cardholders, the Personal Concierge Service lets you browse and book experiences online, including hard-to-get tickets, last-minute restaurant bookings and more.
| New cards only. | |
| Variable purchase rate | 23.98% p.a. |
| Variable cash advance rate | 23.99% p.a. |
| Minimum credit limit | $6,000 |
| Minimum income required | $75,000 p.a. |
| New cards only. | |
| Annual card fee | $295 |
| Annual Altitude Velocity Rewards Program fee | $155 |
| Foreign transaction fee | 3% Payable as a percentage of the Australian dollar value of any foreign transaction. Applies for transactions in a foreign currency, or in Australian dollars but processed by an overseas merchant or financial institution. Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia. More about this fee. |
| Cash advance fee | 3.5% of the value of the transaction will apply to each cash advance made on your card account. These charges will appear on your credit card statement directly below the relevant cash advance. |
| Missed payment fee | $20 each statement cycle that the minimum monthly payment is not paid by the statement due date. |
For more information about credit card fees.
Virgin Australia Domestic Lounge[#]
If you choose Altitude Velocity, you just need to provide us with your Velocity Frequent Flyer number and make a direct spend at Virgin Australia each year from your card open date.[#]The Virgin Australia domestic lounge passes will then be available in your Velocity Frequent Flyer account within 10 business days, ready for you to enjoy the next time you travel domestically with Virgin Australia.
When you choose Altitude Velocity rewards you can also enjoy 2 Economy X seat upgrades a year, on selected domestic Virgin Australia flights.[#] To receive the upgrades, simply provide us with your Velocity Frequent Flyer number and make a direct spend at Virgin Australia on your Altitude Black Mastercard. Vouchers will then be available in your Velocity Frequent Flyer account within 10 business days.[#]
To redeem your Economy X Seat Upgrade vouchers you must first book an eligible domestic flight directly with Virgin Australia. Once you have booked an eligible domestic flight with Virgin Australia, you will need to call the Virgin Australia Guest Contact Centre on 1300 038 373 to redeem your Economy X Seat Upgrade vouchers.[#]
From 1 October 2026 (where you meet the eligibility criteria) the complimentary credit card insurance will include:
Domestic Travel Insurance[#]
Domestic Travel Insurance covers flights within and between states in Australia. Cover includes Cancellation, Flight Delay, Luggage and Luggage Delay. Please refer to the Westpac Credit Card Domestic Complimentary Insurance Policy Information Booklet for full eligibility criteria, terms, conditions and exclusions.
Rental Vehicle Excess Insurance in Australia[#]
Cover if a rental vehicle you have rented from a rental company or agency in Australia is involved in an accident while you’re driving it, or is damaged or stolen while in your custody. Please refer to the Westpac Credit Card Domestic Complimentary Insurance Policy Information Booklet for full eligibility criteria, terms, conditions and exclusions.
Complimentary International Medical Travel Insurance[#]
Up to 3 months (subject to your eligible card) Complimentary International Medical Travel Insurance which includes Overseas Medical & Hospital Expenses, Funeral Expenses, Personal Liability and Overseas Emergency Assistance. To have access to cover you must meet all eligibility criteria including, but not limited to $500 minimum spend and activating your insurance before departing Australia. Please refer to the Westpac Credit Card International Travel Insurance, Product Disclosure Statements for eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits.
On or before 30 September 2026 (where you meet the eligibility criteria) the credit card complimentary insurance will include:
International Travel Insurance[#](see policy for details)
Access up to 6 months' complimentary cover for International Travel Insurance when you meet the eligibility criteria as set out in the Credit Card Complimentary Insurance Policy including prepaying $500 of your travel costs to your eligible card and holding a return overseas ticket before departing Australia, (see policy document for full eligibility criteria, terms, conditions, and exclusions).
Overseas Transit Accident Insurance[#]
Overseas Transit Accident Insurance covers against specified accidental death or injury when sustained overseas while riding, boarding or alighting as a passenger in a plane, bus, train or shorthaul ferry when you have purchased the tickets for the entire trip using your Credit Card before you leave (terms, conditions, exclusions and eligibility criteria apply).
Purchase Protection Insurance[#]
Access to up to 4 months Purchase Protection Insurance on eligible purchases, as set out in the Credit Card Complimentary Insurance Policy (terms, conditions, exclusions and eligibility criteria apply).
Extended Warranty Insurance[#]
Up to 24 months extended warranty insurance cover (in addition to the manufacturer's expressed Australian warranty) on a range of personal items purchased using your Credit Card (terms, conditions, exclusions and eligibility criteria apply).
Our 'everyday spend' category consists of 4 sub-categories: supermarkets, department stores, petrol stations and utilities. Below is a list of examples of merchants included in these 4 categories:
- Supermarkets include stores such as Woolworths, Coles, IGA, Harris Farm and ALDI
- Department stores include stores such as Kmart, Target, Big W, David Jones and Myer
- Petrol stations include stores such as 7-Eleven, Shell, Ampol, Caltex and BP
- Utilities include payments for water, gas, electricity, internet, mobile and streaming services (excluding BPAY® payments).
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- product-service:credit-cards/altitude-rewards-black
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- product-service:credit-cards/altitude-velocity-platinum
Concierge Services for Altitude Black. Concierge services are provided by a third party supplier. For further details including terms and conditions visit westpac.tenconcierge.com.
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