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Introducing the Altitude Velocity credit cards

Earn Velocity Points which will be credited directly into your Velocity Frequent Flyer Account where they can be redeemed for flights to almost 600 destinations worldwide, upgrades and more. Plus stretch out with complimentary Economy X Seat Upgrade Vouchers.*


Where could your bonus Velocity Points take you for example?

Bali

Return Economy Reward Seat for one from Sydney to Bali 86,000 Points including Taxes and Fees, additional carrier charges apply.7

Los Angeles

Return Economy Reward Seat for one from Melbourne to Los Angeles 89,000 Points + $333.76 including Taxes and Fees, additional carrier charges apply.7

Hong Kong

Return Economy Reward Seat for one from Sydney to Hong Kong 98,000 Points including Taxes and Fees, additional carrier charges apply.7

Economy X Seat Upgrade Vouchers

If you choose Altitude Velocity you'll also get 2 complimentary Economy X Seat Upgrade Vouchers each year to use on selected domestic Virgin Australia flights.*

Available when you spend with Virgin Australia on your Mastercard®.


Choose your Velocity frequent flyer card:

Westpac Altitude Black Velocity credit card

Westpac Altitude Black

Essentials
  • Earn 0.75 Velocity Points per $1 spent on all eligible purchases, uncapped.6
  • $250 annual card fee.
Benefits
  • Extended complimentary insurance covers4
  • Premium concierge services
  • Up to 2 complimentary lounge passes.3

 


Special offer

Earn 80,000 bonus Velocity Points. Minimum spend $4k applies. Conditions and exclusions apply.^

American Express Westpac Altitude Black Bundle Velocity credit cards

American Express® Westpac Altitude Black Bundle

Essentials
  • Earn up to 1.25 Velocity Points per $1 spent on eligible purchases in Australia, uncapped6
  • $349 annual Card fees in the first year, $449 thereafter.^^
Benefits
  • All the benefits of the Altitude Black Card
  • Up to 4 complimentary lounge passes3
  • Access to Amex Offers and American Express Invites.

 


Special offer  

Earn up to 100,000 bonus Velocity Points. Min. spend $4k on Mastercard, $3k applies on Amex. Conditions apply.^~

Westpac Altitude Platinum Velocity credit card

Westpac Altitude Platinum

Essentials
  • Earn 0.5 Velocity Points per $1 spent on all eligible purchases, uncapped.6
  • $150 annual card fee.
Benefits
  • Complimentary insurance covers4
  • Platinum concierge services.

 

 


Special offer

Earn 60,000 bonus Velocity Points. Minimum spend $3k applies. Conditions and exclusions apply.^

American Express Westpac Altitude Platinum Bundle Velocity credit cards

American Express® Westpac Altitude Platinum Bundle

Essentials
  • Earn up to 1 Velocity Point per $1 spent on eligible purchases in Australia, uncapped6
  • $150 annual card fees in the first year, $199 thereafter.**
Benefits
  • All the benefits of the Altitude Platinum Card
  • Access to Amex Offers and American Express Invites.

 


Special offer  

Earn up to 75,000 bonus Velocity Points. Minimum spend $3k on each card applies. Conditions apply.^~

American Express Westpac Altitude Blended Bundle Velocity credit cards

American Express® Westpac Altitude Blended Bundle

Essentials
  • Earn up to 1.25 Velocity Points per $1 spent on eligible purchases in Australia, uncapped6
  • $249 annual card fees in the first year, $349 thereafter.^^
Benefits
  • All the benefits of the Altitude Platinum Card
  • Up to 2 complimentary lounge passes3
  • Access to Amex Offers and American Express Invites.

 


Special offer  

Earn up to 80,000 bonus Velocity Points. Minimum spend $3k on each card applies. Conditions and exclusions apply.^~

Things you should know

Westpac Credit Cards Key Facts Sheet

The American Express Westpac Altitude Cards Key Facts Sheet

Consumer Credit Cards - Conditions of Use (PDF 305KB)

   

Switches, upgrades, or Westpac Group staff are ineligible. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

American Express Westpac Altitude Cards are issued and administered by American Express Australia Limited ABN 92 108 952 085, Australian Credit Licence No. 291313. ® Registered Trademark of American Express Company.

American Express will pay a monthly commission to Westpac in relation to your account. As the commission is dependent on all American Express Westpac Altitude customers’ use of their Cards, the amount is not ascertainable. Fees or charges in relation to this Card are only payable to American Express, not Westpac.

Note: The Card issued by American Express will be a separate credit card contract to the Westpac Altitude Card, with its own credit limit, statement and annual Card fee.

Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.

7. Velocity redemption fares: The above redemption fare examples (Redemption Fares) are correct as at 10 May 2019 and are subject to change. Redemption fares are subject to availability, and seats are limited and may not be available at peak times or on all flights. Redemption fare is based on a return economy Reward Seat fare and must be booked on the  Velocity website. Taxes, fees and carrier charges are payable in addition to Velocity Points redeemed, unless specifically stated that the taxes, fees and carrier charges are included. Taxes, fees and carrier charges are not eligible for Points earn. Redemption fares and taxes, fees and carrier charges may vary until ticketed. All payments made by debit/credit card are subject to a payment surcharge.  For Rewards Seat bookings on: (i) Virgin Australia operated flights; (ii) Delta Air Lines operated and marketed flights between Sydney and Los Angeles; or, (iii) Etihad Airways operated flights, a carrier charge will apply, view more information here. Add $40 or 5,200 Points for domestic and international short haul bookings or $70 or 8,800 Points for international long haul booking per person for bookings made on the phone. A checked baggage allowance is included in your fare, see  Reward Seat Baggage Allowances for details. Name changes are not permitted. Other changes, refunds and cancellation are permitted prior to travel and may incur a fee and any applicable fare difference. You may also be entitled to a refund under the Australian Consumer Law in certain circumstances.  See the  Velocity Rewards Seat fare rules for more information. Some flights may be operated by a partner airline. Different baggage allowances and conditions may apply to these flights. Full terms and conditions at velocityfrequentflyer.com.

3. Complimentary lounge passes disclaimers:

Virgin Australia Lounge Passes Two complimentary single entry Virgin Australia Domestic Lounge Passes are available to Westpac Altitude Black Mastercard cardholders earning Velocity Points through the Altitude Velocity rewards program. To be eligible, your card account must not be in arrears for more than two consecutive statement cycles in accordance with the Altitude Terms and Conditions, you must have provided Westpac with your Velocity Frequent Flyer number and you have made a direct spend with Virgin Australia every year on your Altitude Black Mastercard from your card open date. Virgin Australia Lounge Passes are valid for 12 months from date of issuance and will appear on your Velocity Frequent Flyer membership account within 10 business days of meeting eligible spend. Virgin Australia lounge is operated by Virgin Australia Airlines Pty Ltd in selected domestic airport locations and entry is subject to the Westpac Altitude Velocity Black Mastercard Lounge Pass Conditions and Virgin Australia Lounge Terms and Conditions and is subject to change from time to time. 

American Express Lounge access: Entry into The American Express Lounges is governed by the full Terms and Conditions available at amex.com.au/airportlounge. All entrants must adhere to the General Conditions of Entry. American Express Westpac Altitude Black Card members are entitled to two entries per calendar year to the American Express Lounges, located at Sydney International Airport or Melbourne International Airport. The total entitlement of two entries per calendar year applies across both Sydney and Melbourne Airport Lounges. Complimentary access is available for the Card Member’s children between the ages of 2-17. Card Member’s wishing to bring additional guests may be subject to a charge that is to be processed on the Card Member’s American Express Card. 

Westpac Altitude Mastercards

^Bonus Rewards Points Promotion for Westpac Altitude Cards: The respective bonus points promotion is available when you apply and are approved for a new Altitude Platinum or Altitude Black card between 16th October 2019 and midnight 31st March 2020 and spend the minimum amount of $4,000 on eligible purchases on an Altitude Black card or $3,000 on eligible purchases on an Altitude Platinum card within 90 days from card approval in one or more transactions.
Eligible purchases do not include fees, cash, cash equivalent transactions, payments to the Australian Tax Office, BPAY, BPAY equivalent transaction, refunds and balance transfers debited from the card account. The bonus Altitude Points, Qantas Points or Velocity Points will be added to your points balance within 12 weeks once you meet the eligible spend criteria. Existing Westpac customers who currently hold an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months, are not eligible for this offer. Qantas or Velocity Points earned during a statement cycle are added to your Qantas or Velocity Points balance on a monthly basis.

*Economy X Seat Upgrade Vouchers Two complimentary Economy X Seat Upgrade Vouchers (for eligible domestic flights only) are available to Westpac Altitude Platinum Mastercard and Westpac Altitude Black Mastercard primary cardholders earning Velocity Points through the Altitude Velocity rewards program. To be eligible, your card account must not be in arrears for more than two consecutive statement cycles in accordance with the Altitude Terms and Conditions, you must have provided Westpac with your Velocity Frequent Flyer number and you have made a direct spend with Virgin Australia on your Altitude Platinum Mastercard or Altitude Black Mastercard every year from card open date. Economy X Seat Upgrade Vouchers are valid for 12 months from date of issuance and will appear on your Velocity Frequent Flyer membership account within 10 business days of meeting eligible spend. Economy X Seat Upgrades are available to other passengers travelling on the same itinerary with the primary cardholder. To redeem, book an eligible domestic flight on your Altitude Platinum Mastercard or Altitude Black Mastercard, then call the Virgin Australia Guest Contact Centre on 1300 038 373 at least 24 hours prior to your flight to apply your Economy X Seat Upgrade Vouchers. You can find out if your flight is eligible by calling Virgin Australia on 1300 038 373.

Voucher benefits cannot be carried forward to any subsequent year. Each Economy X Seat Upgrade Voucher can only be redeemed on an eligible non-stop Virgin Australia operated domestic Australian flight. The Economy X Upgrade Voucher is valid per single flight sector only. The flight on which the Economy X Seat Upgrade Voucher is redeemed may be part of a multi-flight itinerary but the Economy X Seat Upgrade Voucher can be applied to only one flight sector. All Economy X Seat Upgrade Voucher redemptions are subject to availability and neither Virgin Australia nor Westpac guarantee that Economy X seats will be available on the flight you may wish to redeem on. Economy X seat availability may be limited to certain dates and/or flights and it may be more difficult to book seats around public holidays, school holidays or special events. All travel is subject to the Virgin Australia Fare Conditions and Virgin Australia Conditions of Carriage as amended from time to time. No Velocity Points or Status Credits will be awarded for Economy X Seat Upgrade Voucher redemptions. 

Economy X Seat Upgrade Voucher redemption is subject to the Westpac Altitude Velocity Platinum Mastercard and Westpac Altitude Velocity Black Mastercard Economy X Seat Upgrade Voucher Conditions. All travel is subject to the Economy X Standard Terms and Conditions.

6. Rewards Points: The earning and redemption of Altitude Points, Qantas Points and Velocity Points is subject to the Altitude Terms and Conditions. Purchases that are not eligible to earn Rewards Points are set out in the Altitude Terms and Conditions. For example: payments to the Australian Taxation Office, cash advances, BPAY and BPAY equivalent transactions do not earn Reward Points. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances.

Altitude Velocity: In order to earn and redeem points, you must be a member of the Velocity Frequent Flyer program. An annual $50 Velocity Rewards fee applies for customers who choose to earn Velocity Points through the Altitude Velocity rewards program. 

4. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible Westpac cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the Westpac Credit Cards Complimentary Insurance Policy (PDF 297KB) which may be amended from time to time. Westpac does not guarantee this insurance.

Concierge Services: Concierge Services are subject to the Westpac Rewards Credit Cards Concierge Service Terms and Conditions (PDF 67KB).

American Express Westpac Altitude Cards

~ Bonus Rewards points for American Express Westpac Altitude Cards: Offer only available to Westpac Altitude cardholders who apply online for a new American Express Westpac Altitude Card between 16th October 2019 and 31st March 2020, are approved and spend $3,000 on eligible purchases on their new Card within 90 days of Card approval date. Bonus Points will be awarded to the eligible Card Member’s account 8-10 weeks after the spend criteria have been met. Card Members who currently hold or who have previously held any other American Express Westpac Altitude Card product issued by American Express Australia Limited in the preceding 18 month period are ineligible for this offer.

**First year Annual Card Fee waiver: The American Express Westpac Altitude Platinum Card will have a $0 introductory annual Card fee for the first year of Card Membership. After the first year, the annual Card fee will be $49 per year and is payable on the anniversary of card approval. Offer only available to American Express Westpac Altitude Platinum Card Members who apply between 16th October 2019 and 31st March 2020 and are approved.

^^Reduced First year Annual Card Fee Waiver: The American Express Westpac Altitude Black Card will have a $99 introductory annual Card fee for the first year of Card Membership. After the first year, the annual Card fee will be $199 per year and is payable on the anniversary of card approval. Offer only available to American Express Westpac Altitude Black Card Members who apply between 16th October 2019 and 31st March 2020 and are approved.

Velocity Points: To earn and redeem Velocity Points individuals must be an American Express Westpac Altitude Card Member and Velocity member. Membership of Velocity is the Card Member’s responsibility and is subject to the Velocity Membership Terms and Conditions as amended from time to time, available at velocityfrequentflyer.com/termsandconditions. Velocity Points are earned in accordance with the American Express Westpac Altitude Cards Points Terms and Conditions. Exclusions apply. Eligible purchases do not include cash advances, interest, balance transfers, fees and charges for travellers cheques and foreign currencies. These do not earn Velocity Points. For the full list of exclusions please refer to the American Express Westpac Altitude Cards Points Terms and Conditions.

4. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible American Express Westpac Altitude cardholders to claim under it as third party beneficiaries. You must use your American Express Westpac Altitude Card to prepay $500 of travel costs in order to be covered under the overseas travel insurance. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the American Express Westpac Altitude Card Insurance Policy which may be amended from time to time. Westpac does not guarantee this insurance.

Westpac is the credit provider and credit licensee under National Consumer Credit Laws.

Westpac credit cards are part of the Westpac Group, including St.George, Bank of Melbourne, BankSA and Westpac.

Mastercard® is a registered trademark, and the circles design and Tap & go are trademarks of Mastercard International Incorporated.