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Velocity Credit Cards
Earn Velocity Points directly to your Velocity Frequent Flyer account and enjoy Westpac credit card benefits like PartPay, Cashback offers and discounted card fees.
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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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Check out our Velocity Rewards credit cards
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Offer
Altitude Velocity Platinum
Earn Velocity Points directly into your Velocity Frequent Flyer account and enjoy Platinum credit card benefits.
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Offer
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You could earn up to 100,000 bonus Velocity Points.[#]
Already with Westpac? Sign in to apply and get a $99 first year card fee (reverts to $175 p.a. thereafter).[#]
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.
Rates
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- Variable purchase rate - 20.99% p.a.
- Variable cash advance rate - 21.99% p.a.
Features
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Apply now
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Not yet with us? Apply here
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Already with us? Sign in to apply
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Find out more
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- Complimentary Insurances - Complimentary Insurances (terms, conditions, exclusions and eligibility criteria apply).
- Velocity Points - You’ll earn Velocity Points which will be credited directly to you Velocity Frequent Flyer account, where they can be redeemed for flights, upgrades, shopping and more.
- PartPay - Split purchases of $100 or more into 4 payments over 6 weeks. Find out more.
- Shopback - Bonus Cashback when you shop via the Westpac Lounge on ShopBack, plus other discounts and offers from a wide range of online and retail stores.
Other features and benefits
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Up to 45 days interest-free - To give you more opportunity to avoid interest charges on your purchases.[#] Note cash advances aren’t covered by this interest-free period.
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No card? No problem - On top of Apple Pay, Samsung PayTM and Google Pay, you can use our Instant Digital Card from the moment your account is opened. No need to wait for a physical card.
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Additional cardholder - Add 1 additional cardholder (16 years or older) at no extra cost.[#]
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Fraud protection - From verifying unusual transactions to our fraud money back guarantee, we aim to keep you protected.
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Tools to stay on top - These include options like PartPay, SmartPlan, Balance Transfers, Card Autopay and SMS payment reminders.
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Personal Concierge Service (Altitude Velocity Black only) - 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. Find out more.
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Cashback and discounts - With a Westpac credit card, you'll get personalised cashback offers from Westpac Extras, Westpac bonus Cashback when you shop via the Westpac Lounge on ShopBack, plus other discounts and offers from a wide range of shops, in-store and online.
Frequently asked questions
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How do I register for the complimentary lounge passes?
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.
How does the Complimentary International Travel Insurance work and am I eligible for it?
You can obtain written confirmation of eligibility for cover for your overseas journey from the issuer of the insurance, AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited, based on the answers you give AGA, by applying online at: checkyourcover.com.au/westpac. If you provide AGA with incorrect answers to the questions we ask you, you may not be eligible for cover under the group policy issued to Westpac.[#]
What do the complimentary insurances cover?
International Travel Insurance[#](see policy for details)
Access to 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).
What is the Personal Concierge Service and how does it benefit me?
We've recently partnered with Ten Lifestyle Services. Westpac Altitude Black cardholders will now be able to browse and book experiences with ease, purchase hard-to-get tickets, make last-minute restaurant reservations and more, all online. You can find out more here (https://westpac.tenconcierge.com/), or reach our Lifestyle Managers on 1300 651 999 (option 4) for 24/7 personalised assistance.
How do I access my Economy X Seat Upgrades?
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.[#]
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Not interested in Velocity points?
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Altitude Rewards Platinum
Enjoy Platinum Card benefits and the flexibility of Altitude Rewards. Choose from gift cards, merchandise or our unique 'Pay with Points’ feature.
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Find out more
Altitude Rewards Black
Our premium Altitude Rewards credit card gets you our highest Points earn rate, flexibility in how you redeem with Pay with Points, complimentary airport lounge access, insurances and more.
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Find out more
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Whichever credit card you're after, you'll find it with a little Westpac.
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Things you should know
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.
Read the Apple Pay Terms and Conditions before making a decision and consider if it is right for you. To use Apple Pay you will need an eligible card and a compatible device with a supported operating system. See our Apple Pay FAQs for more information. Apple, the Apple logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
The Google Pay Terms and Conditions before making a decision and consider if it is right for you. To use Google Pay you will need an eligible card and a compatible device with a supported operating system. See our Google Pay FAQs for more information. Google Pay is a trademarks of Google Inc.
Read the Samsung Pay Terms and Conditions before making a decision and consider if it is right for you. To use Samsung Pay you will need an eligible card and a compatible device with a supported operating system. See our Samsung Pay FAQs for more information. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.
Westpac Fraud Money Back Guarantee: Our Westpac Fraud Money Back Guarantee ensures that customers will be reimbursed for any unauthorised card transactions provided that the customer has not contributed to the loss and contacted Westpac promptly. Refer to the cards’ Terms and Conditions for full details, including when a customer will be liable. You should, however, make sure you only provide your card details to reputable merchants and always contact us immediately if you suspect any fraudulent activity.
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