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American Express Westpac Altitude Black Card Bundle – Velocity
points over 12 months Calculate your savings icon

Earn rate per $1

0.75 points
16.77% Complete (success)
Velocity Frequent Flyer

Bonus points

120,000 points
120,000% Complete (success)

Annual fee

$499
p.a.
499% Complete (success)

Pros

80,000 bonus Velocity Points when you apply, are approved and spend $4,000 on eligible purchases on your new Westpac Altitude Black Mastercard® within 90 days of card approval. Plus, if you spend an additional $6,000 on that card in the first year, you'll also get 50 status credits.

Plus 40,000 bonus Velocity Points and 25 Velocity status credits when you apply, are approved and spend $3,000 on eligible purchases on your new American Express Westpac Altitude Black Card within 90 days of Card approval.

Two complimentary visits per year to the American Express Airport Lounge at either Sydney or Melbourne International Airports, with your American Express Westpac Altitude Black Card

Two complimentary Virgin Australia's domestic airport lounge passes per year

The earn rate per $1 using the Mastercard is 0.75 Velocity Points and up to 2 Velocity Points using the American Express card

24/7 Platinum concierge service via app

Higher points earn on overseas spend

Cons

High annual fee of $499 p.a.

American Express Westpac Altitude Black Card Bundle – Velocity

The American Express Westpac Altitude Black Velocity card two-card bundle comes with the benefit of both a Mastercard® and an American Express credit card. Receive up to 120,000 bonus Velocity Points and up to 75 Velocity status credits when you apply, are approved and meet the minimum spend criteria for each card. Get 80,000 bonus Velocity Points when you spend $4,000 on eligible purchases on your new Mastercard within the first 90 days. Plus, 50 Velocity status credits when you spend a further $6,000 on eligible purchases on that card in the first year.  40,000 bonus Velocity Points and 25 Velocity status credits, when you spend $3,000 on eligible purchases within 90 days of card approval on your new American Express. Offer ends 15 October 2019. Mastercard issued and serviced by Westpac, American Express card issued and serviced by American Express.

Key features

  • 80,000 bonus Velocity Points when you apply, are approved and spend $4,000 on eligible purchases on your new Westpac Altitude Black Mastercard® within 90 days of card approval. Plus, if you spend an additional $6,000 on that card in the first year, you'll also get 50 status credits.
  • Plus 40,000 bonus Velocity Points and 25 Velocity status credits when you apply, are approved and spend $3,000 on eligible purchases on your new American Express Westpac Altitude Black Card within 90 days of Card approval.
  • Two complimentary visits per year to the American Express Airport Lounge at either Sydney or Melbourne International Airports, with your American Express Westpac Altitude Black Card
  • Two complimentary Virgin Australia's domestic airport lounge passes per year
  • Altitude Velocity - Mastercard earn rate: 0.75 Velocity Points for every $1 spent on eligible purchases
  • Altitude Velocity- American Express earn rate: 2 Velocity Points for every $1 spent overseas, 1.25 Velocity Points for every $1 spent in Australia and 0.5 Velocity Points for every $1 spent at government bodies in Australia such as Australia Post & the ATO
  • $499 annual fee (Mastercard $250 p.a. Plus $50 for Velocity rewards. American Express $199 p.a.)
100% of customers who have rated this card would recommend it
  • Rates
    54%
  • Fees
    49%
  • Rewards
    60%
  • Customer Service
    79%
  • Value
    93%
Overall user rating 67%
1 reviews
Interest Rates
Purchase rate 20.49% p.a.
Cash advance rate 21.49*% p.a.
Interest free on purchases up to 45 days
Balance Transfer
Credit limits
Minimum credit limit $15,000
Maximum credit limit $75,000
Fees & repayments
Annual fee $499 p.a.
Additional cardholder fee Up to 1 - $0 p.a.
Cash advance fee 2%
Foreign transaction fee 3%
Minimum repayment 2.5%
Late payment fee $15
Credit card type American Express
Rewards program
Rewards program Velocity Frequent Flyer Velocity Frequent Flyer
Bonus points 120,000 Velocity points
Annual points cap uncapped
Bonus points spend criteria Spend $7,000 in first 90 days*
Earning points with this card
Velocity points 0.75 points per $1 spent
Overseas earn rate 2 points per $1 spent
Points cap per month N/A
Complimentary insurance
Overseas travel insurance yes - up to months
Flight inconvenience insurance No
Transport accident cover Yes
Smartphone screen insurance No
Purchase protection insurance Yes
Extended warranty insurance Yes
Rental vehicle excess cover No
Extras
Two Virgin Australia's domestic airport lounge passes per year
Two AMEX Lounge visits per year at either Sydney or Melbourne International Airport
Two complimentary Economy X seat upgrade vouchers each year to use on selected domestic flights. Available when you spend with Virgin Australia on your Mastercard

American Express Westpac Altitude Black Card Bundle with up to 120,000 Velocity Points

Huge bonus points offer of up to 120,000 bonus Velocity points. 80,000 bonus Velocity Points when you apply, are approved and spend $4,000 on eligible purchases on the Mastercard within 90 days of card approval. Plus, if you spend an additional $6,000 on that card in the first year, you'll also get 50 status credits. Plus 40,000 bonus Velocity Points and 25 Velocity status credits when you apply, are approved and spend $3,000 on eligible purchases on your new American Express Westpac Altitude Black Card within 90 days of Card approval.

What we love...

The earn rate using the Mastercard is 0.75 Velocity Points and up to 2 Velocity Points using the American Express card.

There is a 24/7 Platinum concierge service via app when you need help with flights, restaurant bookings, party planning and tickets to events. With this card you also get access to a range of complimentary insurances like Overseas travel insurance for up to 6 months, transit accident insurance and extended warranty.

Lounge access with two complimentary visits per year to the American Express International Airports in Australia with your American Express Westpac Altitude Black Card. You are eligible for two complimentary Virgin Australia's domestic airport lounge passes per year.

What’s not so great...

The annual fee of $499 (Mastercard $250 p.a. and American Express $199 p.a.) is high but if this premium rewards bundle is used right you can get great value.

Why should you choose this card?

Enjoy uncapped points earning and flexibility of having two cards, a Mastercard and an American Express. Huge introductory bonus points offer and lounge access. This is a bundle for big spenders that enjoy premium rewards and travel related benefits.

Overall Rating

This great offer ends 15 October 2019. Fantastic bonus Velocity points offer and dual cards.

(showing the latest 10 Q&As)

  • Be over 18 years old
  • Good credit and not applied for multiple credit cards recently
  • Resident or citizen of Australia
  • Minimum income of $75,000 p.a.
  • You have your personal details ready to complete the online application
American Express Westpac Altitude Black Card Bundle – Velocity
American Express Westpac Altitude Black Card Bundle – Velocity

American Express Credit Cards

American Express Westpac Altitude Black Card Bundle – Velocity

Updated 24 June 2019

Apply by 15 October 2019

Points Earn Rate (per $1 spent)

0.75

points

Velocity

Rewards Program

Velocity Frequent Flyer

Bonus Points

120,000 pts

Spend $7,000 in first 90 days*

0 points over 12 months spend

My monthly card spend

Pros and cons

  • 80,000 bonus Velocity Points when you apply, are approved and spend $4,000 on eligible purchases on your new Westpac Altitude Black Mastercard® within 90 days of card approval. Plus, if you spend an additional $6,000 on that card in the first year, you'll also get 50 status credits.
  • Plus 40,000 bonus Velocity Points and 25 Velocity status credits when you apply, are approved and spend $3,000 on eligible purchases on your new American Express Westpac Altitude Black Card within 90 days of Card approval.
  • Two complimentary visits per year to the American Express Airport Lounge at either Sydney or Melbourne International Airports, with your American Express Westpac Altitude Black Card
  • Two complimentary Virgin Australia's domestic airport lounge passes per year
  • The earn rate per $1 using the Mastercard is 0.75 Velocity Points and up to 2 Velocity Points using the American Express card
  • 24/7 Platinum concierge service via app
  • Higher points earn on overseas spend

  • High annual fee of $499 p.a.

Creditcard.com.au review

Editor Review

American Express Westpac Altitude Black Card Bundle with up to 120,000 Velocity Points

Huge bonus points offer of up to 120,000 bonus Velocity points. 80,000 bonus Velocity Points when you apply, are approved and spend $4,000 on eligible purchases on the Mastercard within 90 days of card approval. Plus, if you spend an additional $6,000 on that card in the first year, you'll also get 50 status credits. Plus 40,000 bonus Velocity Points and 25 Velocity status credits when you apply, are approved and spend $3,000 on eligible purchases on your new American Express Westpac Altitude Black Card within 90 days of Card approval.

What we love...

The earn rate using the Mastercard is 0.75 Velocity Points and up to 2 Velocity Points using the American Express card.

There is a 24/7 Platinum concierge service via app when you need help with flights, restaurant bookings, party planning and tickets to events. With this card you also get access to a range of complimentary insurances like Overseas travel insurance for up to 6 months, transit accident insurance and extended warranty.

Lounge access with two complimentary visits per year to the American Express International Airports in Australia with your American Express Westpac Altitude Black Card. You are eligible for two complimentary Virgin Australia's domestic airport lounge passes per year.

What’s not so great...

The annual fee of $499 (Mastercard $250 p.a. and American Express $199 p.a.) is high but if this premium rewards bundle is used right you can get great value.

Why should you choose this card?

Enjoy uncapped points earning and flexibility of having two cards, a Mastercard and an American Express. Huge introductory bonus points offer and lounge access. This is a bundle for big spenders that enjoy premium rewards and travel related benefits.

Overall Rating

This great offer ends 15 October 2019. Fantastic bonus Velocity points offer and dual cards.

User reviews

American Express Westpac Altitude Black Card Bundle – Velocity ( based on 1 Creditcard.com.au user review )

67% rating based on 1 review

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates

Purchase rate 20.49% p.a.

Cash advance rate 21.49*% p.a.

Interest free on purchases up to 45 days

Credit limits

Minimum credit limt $15,000

Maximum credit limit $75,000

Fees & repayments

Annual fee $499 p.a.

Additional card holder fee Up to 1 - $0 p.a.

Foreign transaction fee 3%

Minimum repayment 2.5%

Cash advance fee 2%

Late payment fee $15

Rewards and points

Rewards program

Rewards Program Velocity Frequent Flyer Velocity Frequent Flyer

Bonus points 120,000 Velocity points

Annual points cap uncapped

Bonus points spend criteria Spend $7,000 in first 90 days*

Earning points with this card

Velocity pointsVelocity points 0.75 points per $1 spent

Points cap per month N/A

Overseas earn rateOverseas earn rate 2 points per $1 spent

Additional features

Complimentary insurance

Overseas travel insurance yes

Flight inconvenience insurance No

Transport accident cover Yes

Smartphone screen insurance No

Purchase protection insurance Yes

Extended warranty insurance Yes

Rental vehicle excess cover No

Extras

Two Virgin Australia's domestic airport lounge passes per year

Two AMEX Lounge visits per year at either Sydney or Melbourne International Airport

Two complimentary Economy X seat upgrade vouchers each year to use on selected domestic flights. Available when you spend with Virgin Australia on your Mastercard

Overview

American Express Westpac Altitude Black Card Bundle – Velocity

The American Express Westpac Altitude Black Velocity card two-card bundle comes with the benefit of both a Mastercard® and an American Express credit card. Receive up to 120,000 bonus Velocity Points and up to 75 Velocity status credits when you apply, are approved and meet the minimum spend criteria for each card. Get 80,000 bonus Velocity Points when you spend $4,000 on eligible purchases on your new Mastercard within the first 90 days. Plus, 50 Velocity status credits when you spend a further $6,000 on eligible purchases on that card in the first year.  40,000 bonus Velocity Points and 25 Velocity status credits, when you spend $3,000 on eligible purchases within 90 days of card approval on your new American Express. Offer ends 15 October 2019. Mastercard issued and serviced by Westpac, American Express card issued and serviced by American Express.

Key features

  • 80,000 bonus Velocity Points when you apply, are approved and spend $4,000 on eligible purchases on your new Westpac Altitude Black Mastercard® within 90 days of card approval. Plus, if you spend an additional $6,000 on that card in the first year, you'll also get 50 status credits.
  • Plus 40,000 bonus Velocity Points and 25 Velocity status credits when you apply, are approved and spend $3,000 on eligible purchases on your new American Express Westpac Altitude Black Card within 90 days of Card approval.
  • Two complimentary visits per year to the American Express Airport Lounge at either Sydney or Melbourne International Airports, with your American Express Westpac Altitude Black Card
  • Two complimentary Virgin Australia's domestic airport lounge passes per year
  • Altitude Velocity - Mastercard earn rate: 0.75 Velocity Points for every $1 spent on eligible purchases
  • Altitude Velocity- American Express earn rate: 2 Velocity Points for every $1 spent overseas, 1.25 Velocity Points for every $1 spent in Australia and 0.5 Velocity Points for every $1 spent at government bodies in Australia such as Australia Post & the ATO
  • $499 annual fee (Mastercard $250 p.a. Plus $50 for Velocity rewards. American Express $199 p.a.)

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Resident or citizen of Australia

  • Minimum income of $75,000 p.a.

  • You have your personal details ready to complete the online application

Roland B Bleyer

Roland B Bleyer founded creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

Recently Asked Questions

Something you need to know about this card? Ask a our credit card expert a question.

(showing the latest 10 Q&As)

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