Credit Cards with Seat Upgrades

Ranked by estimated first-year value after fees. Uses each offer's best redemption, assumes the bonus is earned and the balance is paid in full.

1. Westpac Altitude Velocity Black (Existing customers)

Velocity points

$295 annual fee

Existing customers onlyCan I become an existing customer?

Offer

90,000 Velocity points

Two complimentary Economy X Seat Upgrade vouchers per year for eligible domestic Virgin Australia flights; requires Velocity Frequent Flyer number and a direct spend with Virgin Australia each year; redeemed by calling Virgin Australia at least 24 hours before the flight

Spend $6,000 in 90 days (~$2,000/mo)

$200 first year annual fee, $295 thereafter

Craig's Take

Moderate spend — $67/day for 90 days. Poor ongoing earn rate.

Estimated value after fees $1,216

Velocity flights

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2. Westpac Altitude Velocity Black

Velocity points

$295 annual fee

Offer

90,000 Velocity points

Two complimentary Economy X Seat Upgrade vouchers per year for eligible domestic Virgin Australia flights; requires Velocity Frequent Flyer number and a direct spend with Virgin Australia each year; redeemed by calling Virgin Australia at least 24 hours before the flight

Spend $6,000 in 90 days (~$2,000/mo)

Craig's Take

Moderate spend — $67/day for 90 days. Poor ongoing earn rate.

Estimated value after fees $1,121

Velocity flights

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3. Westpac Altitude Velocity Platinum (Reduced first year annual fee for Westpac Customers)

Velocity points

$175 annual fee

Offer

70,000 Velocity points

Two complimentary Economy X Seat Upgrade Vouchers per year for selected domestic Virgin Australia flights; requires Velocity Frequent Flyer number on file and a direct spend with Virgin Australia on the card; vouchers valid 12 months, redeemed by calling Virgin Australia

Spend $4,000 in 90 days (~$1,333/mo)

$99 first year annual fee, $175 thereafter

Craig's Take

Easy $44/day spend to hit the bonus. Poor ongoing earn rate.

Estimated value after fees $988

Velocity flights

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4. Westpac Altitude Velocity Platinum

Velocity points

$175 annual fee

Offer

70,000 Velocity points

Two complimentary Economy X Seat Upgrade Vouchers per year for selected domestic Virgin Australia flights; requires Velocity Frequent Flyer number on file and a direct spend with Virgin Australia on the card; vouchers valid 12 months, redeemed by calling Virgin Australia

Spend $4,000 in 90 days (~$1,333/mo)

Craig's Take

Easy $44/day spend to hit the bonus. Poor ongoing earn rate.

Estimated value after fees $912

Velocity flights

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5. Westpac Altitude Rewards Platinum (existing customers)

Westpac points

$175 annual fee

Existing customers onlyCan I become an existing customer?

Offer

75,000 Westpac points

Altitude Velocity option: 2 Economy X seat upgrade vouchers per year on selected domestic Virgin Australia flights, after providing a Velocity Frequent Flyer number and making a direct spend at Virgin Australia on the card

Spend $3,000 in 90 days (~$1,000/mo)

$49 first year annual fee, $175 thereafter

Craig's Take

Easy $33/day spend to hit the bonus. Excellent ongoing earn rate.

Estimated value after fees $281

Krisflyer flights

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