Westpac Altitude Velocity Black
Churn value: $1,121 in flights.
You pay $450 in first-year fees.Spend $6,000 in 90 days.You get 92,400 Velocity points, worth about $1,571 in flights.
The recorded minimum requirements are that you earn at least $75,000 a year and can take a credit limit of at least $6,000. Meeting them does not guarantee approval.
It is only worth it if you pay in full each month and close the card before the next $450 fee.
Available
This page is my best effort to summarise the card's terms from the information I found. Read the bank's terms for full details, or contact the bank if you have questions.
I'd like to use my bonus for:
Can I get this?
This offer is advertised to the public. Bonus conditions and the bank’s approval requirements still apply.
Can I get this bonus if I have held a card before?
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 24 months, are not eligible for this offer. The wait is 24 months, from the last date you held one of these cards. If you hold one now, you cannot get this bonus.
See the waiting rules for every Australian bank →What must I spend?
$6,000 within 90 days — about $2,000 per month.
Can I get the card?
The minimum credit limit is $6,000. This is the least the bank may let you borrow.
You must earn at least $75,000 a year.
Meeting the bonus rules does not mean the bank will approve your application. The bank must assess and approve the card separately.
How long is this available?
I do not have an end date for this offer.
What do I do, step by step?
- Apply. Check the income and waiting rules in “Can I get this?” first. If you do not pass those, the bonus does not come.
- Spend $6,000 in 90 days on bills and shopping you had to pay anyway. Do not buy extra things just to hit the number.
- Pay in full each month. Interest can eat the whole bonus. The churn value at the top assumes you never pay interest.
- Use the points for flights. Points you never use are worth zero.
- Close the card before the next fee — keeping it costs $450 a year. The next section helps you decide if keeping it is worth it.
When this is not worth it
- You pay interest, or you cannot pay in full each month.
- You buy things you do not need to hit the spend target.
- You have no trip or use in mind for the points.
- You keep the card into year two out of habit and pay the fee again.
Should I keep it after the first year?
Keeping the card costs $450 each year ($295 annual fee + $155 program fee) — the first year was $450.
The year-two bonus is 60,000 Velocity points.
Ongoing earn: 0.40x Velocity points per $1.
Keeping pays off only if you meet the second-year conditions and use the points and benefits enough to cover $450/yr.
What else makes the card useful?
Reward use
Ways to turn points into value.
- Points Transfer Benefits Compare across cards →Velocity Points earned are credited directly to the cardholder's Velocity Frequent Flyer account, where they can be redeemed for flights, upgrades and shopping
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Velocity Points earned are credited directly to the cardholder's Velocity Frequent Flyer account, where they can be redeemed for flights, upgrades and shopping
Purchase protection
Cover on things you buy with the card. Limits, excesses, and activation conditions apply.
- Purchase Protection Insurance Compare across cards →Covers eligible items charged to the card against theft, accidental damage or permanent loss for 4 months from purchase, up to $10,000 per item ($3,500 for jewellery, watches and new works of art), $135,000 total per 12 months; $300 excess per claim
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Covers eligible items charged to the card against theft, accidental damage or permanent loss for 4 months from purchase, up to $10,000 per item ($3,500 for jewellery, watches and new works of art), $135,000 total per 12 months; $300 excess per claim
- Extended Warranty Insurance Compare across cards →Extends the manufacturer's Australian warranty by an equal period up to a maximum of 2 years on covered products charged to the card (no cover where the manufacturer's warranty exceeds 5 years), up to $20,000 per product and $20,000 per card account per 12 months; $300 excess…
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Extends the manufacturer's Australian warranty by an equal period up to a maximum of 2 years on covered products charged to the card (no cover where the manufacturer's warranty exceeds 5 years), up to $20,000 per product and $20,000 per card account per 12 months; $300 excess per claim
- Mobile Phone Insurance Compare across cards →No standalone mobile phone insurance; mobile phones are covered only as valuables under the International Travel Insurance luggage section
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No standalone mobile phone insurance; mobile phones are covered only as valuables under the International Travel Insurance luggage section
Travel
Travel cover and perks. Most need qualifying bookings or payment with the card.
- Lounge Access Compare across cards →Two complimentary single-entry Virgin Australia Domestic Lounge Passes per year, valid for 12 months from issuance, appearing in Velocity Frequent Flyer account within 10 business days of eligible spend.
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Two complimentary single-entry Virgin Australia Domestic Lounge Passes per year, valid for 12 months from issuance, appearing in Velocity Frequent Flyer account within 10 business days of eligible spend.
- Lounge Access Compare across cards →2 visits/year · Virgin Australia Domestic Lounge
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Two complimentary single-entry Virgin Australia Domestic Lounge passes per year; requires Velocity Frequent Flyer number provided to Westpac and a direct spend with Virgin Australia each year; passes appear in the Velocity account within 10 business days and are valid 12 months
- Seat Upgrades Compare across cards →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
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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
- Travel Insurance Compare across cards →Complimentary International Travel Insurance for up to 6 consecutive months (Level 1 Card) when at least $500 of prepaid travel costs is charged to the card account and a return overseas ticket is held before departure; cover includes unlimited overseas emergency medical and…
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Complimentary International Travel Insurance for up to 6 consecutive months (Level 1 Card) when at least $500 of prepaid travel costs is charged to the card account and a return overseas ticket is held before departure; cover includes unlimited overseas emergency medical and evacuation; eligibility letter available at checkyourcover.com.au/westpac
- Rental Vehicle Insurance Compare across cards →Rental Vehicle Excess in Australia cover up to the lesser of the excess specified in the rental agreement or $5,500 when the entire rental is charged to the card account; $300 excess per claim. Overseas rental vehicle excess up to $5,500 is also covered under International…
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Rental Vehicle Excess in Australia cover up to the lesser of the excess specified in the rental agreement or $5,500 when the entire rental is charged to the card account; $300 excess per claim. Overseas rental vehicle excess up to $5,500 is also covered under International Travel Insurance
- Transit Accident Insurance Compare across cards →Overseas Transit Accident Insurance covers specified accidental death or injury while boarding, riding or alighting transport overseas when the entire trip is charged to the card before departure; up to $750,000 loss of life per person, $1,300,000 aggregate per event for Level 1…
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Overseas Transit Accident Insurance covers specified accidental death or injury while boarding, riding or alighting transport overseas when the entire trip is charged to the card before departure; up to $750,000 loss of life per person, $1,300,000 aggregate per event for Level 1 Cards
Everyday savings
Discounts and cashback on spending. Activation and caps vary.
- Shopping Benefits Compare across cards →Personalised cashback offers via Westpac Extras plus bonus cashback when shopping via the Westpac Lounge on ShopBack, plus other discounts and offers
These amounts are not included in the bonus calculation.
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Personalised cashback offers via Westpac Extras plus bonus cashback when shopping via the Westpac Lounge on ShopBack, plus other discounts and offers
Account management
Tools for running the account — repayment helpers, not reward value.
- Concierge Service Compare across cards →Personal Concierge Service provided by Ten Lifestyle Services for browsing and booking experiences, hard-to-get tickets and last-minute restaurant reservations online; Lifestyle Managers available 24/7 by phone
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Personal Concierge Service provided by Ten Lifestyle Services for browsing and booking experiences, hard-to-get tickets and last-minute restaurant reservations online; Lifestyle Managers available 24/7 by phone
- Digital Wallet Integration Compare across cards →Supports Apple Pay, Samsung Pay and Google Pay
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Supports Apple Pay, Samsung Pay and Google Pay
- Digital Card Issuance Compare across cards →Instant Digital Card usable from the moment the account is opened, no need to wait for a physical card
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Instant Digital Card usable from the moment the account is opened, no need to wait for a physical card
- Online Banking Features Compare across cards →Westpac App money-management tools including cash flow and spend insights, categories, Cards Hub for managing cards, and Quick Balance
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Westpac App money-management tools including cash flow and spend insights, categories, Cards Hub for managing cards, and Quick Balance
- No Additional Cardholder Fee Compare across cards →One additional cardholder (16 years or older) can be added at no extra cost
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One additional cardholder (16 years or older) can be added at no extra cost
- Interest Free Periods Compare across cards →Up to 45 days interest-free on purchases when the closing balance is paid in full by the due date; cash advances not covered
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Up to 45 days interest-free on purchases when the closing balance is paid in full by the due date; cash advances not covered
- Buy Now Pay Later Compare across cards →PartPay facility lets eligible purchases be paid over instalments
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PartPay facility lets eligible purchases be paid over instalments
- Installment Plans Compare across cards →SmartPlan lets eligible purchases be converted into fixed instalment plans
This is a repayment plan. It does not add reward value.
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SmartPlan lets eligible purchases be converted into fixed instalment plans
- Balance Transfer Offers Compare across cards →Balance transfer facility available
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Balance transfer facility available
92,400 Velocity points at 1.7¢ a point − $450 in first-year fees. This is flight value, not cash. It assumes you earn the bonus and pay in full.
This offer is open now (terms from 14 Oct 2026).
What this calculation assumes
- You make the required purchases and the bonus is paid.
- You pay the balance in full — any interest changes the outcome.
- The required spend is ordinary planned spending, not extra cost.
- You close the card before the next annual fee, or you decide keeping it is worth that fee.
Did this help you make a decision?
Terms and evidence
Full current terms
Offer terms
First Year Points
90,000 points
Velocity
Second Year Points
60,000 points
With $295 annual fee
Minimum Spend
$6,000
within 90 days (about 3 months)
Ongoing Earn Rate
0.40x points per $1 spent
Fees
First Year Annual Fee
$295
Ongoing Annual Fee
$295
From year 2 onwards
Program Fee
$155
Additional fee for reward program participation
Purchase Interest Rate
23.98% p.a.
The value above assumes you pay in full and never pay this. Any interest changes the outcome.
Benefit history (13 changes)
- Status CreditsRemoved Oct 2026
- Travel InsuranceUpdated May 2026
- Digital Card IssuanceUpdated May 2026
- Digital Wallet IntegrationUpdated May 2026
- Interest Free PeriodsUpdated May 2026
- No Additional Cardholder FeeUpdated May 2026
- Concierge ServiceUpdated May 2026
- Seat UpgradesUpdated May 2026
- Lounge AccessUpdated May 2026
Now 2 visits/year · Virgin Australia Domestic Lounge.
- Transit Accident InsuranceUpdated May 2026
- Extended Warranty InsuranceUpdated May 2026
- Purchase Protection InsuranceUpdated May 2026
- Rental Vehicle InsuranceUpdated May 2026
Offer terms history (10 versions — old terms, for checking)
These are published versions of this offer's terms. Each version preserves the conditions available at that time.
Published 14 Oct 2026
Availability changed from ended to available; conditions unchanged.
No recorded term changes from the previous version.
Changes from terms version 7
Changes from terms version 6
Changes from terms version 5
Changes from terms version 4
Changes from terms version 3
Changes from terms version 2
Changes from terms version 1
First recorded terms
Captures behind the selected terms record — evidence for these terms, not a complete history of the named offer.
Archived notes
Earlier notes about this offer, kept as an archive — not current terms. Note dates are separate from terms publication dates.
- Expiration changed from 30/04/24 to 31/07/243 years ago
- Expiration changed from 01/11/23 to 30/04/243 years ago
- Annual fee increased from $300 to $370 (inc Velocity fee)3 years ago
- Offer end date changed to 14th June 2023 reward program fee increasing from $50 to $75 and annual fee increasing from $250 to $295 https://www.westpac.com.au/content/public/wbc/en/personal-banking/credit-cards/reward/reward-card-changes.html3 years ago
- Offer extended to 29th June 20234 years ago
Discussion
About the current terms (published 14 Oct 2026).
Community and personal tools
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