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Westpac Altitude Black Credit Card – Velocity
Westpac Altitude Black Credit Card – Velocity

Westpac Credit Cards

Westpac Altitude Black Credit Card – Velocity

Updated 19 November 2019

Earn 80,000 bonus Velocity points when you spend $4,000 on eligible purchases within 90 days of card approval. Earn 0.75 Velocity points per $1 spent on purchases. This card also includes two complimentary airport lounge visits each year, a range of complimentary insurances including overseas travel, extended warranty and transit accident insurance. $75,000 Minimum Income Required to Apply.

T&Cs apply. Offer ends 31 March 2020

Points Earn Rate (per $1 spent)

0.75 points

Velocity

Rewards Program

Velocity Frequent Flyer

Bonus Points

80,000 pts

Spend $4,000 within first 90 days

0 points over 12 months spend

My monthly card spend

Pros and cons

  • 80,000 bonus Velocity points when you spend $4,000 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
  • $250 annual card fee. Plus a $50 Velocity Rewards fee
  • Earn 0.75 Velocity points per $1 spent on eligible purchases
  • 2 complimentary Virgin Australia domestic airport lounge passes each year
  • Platinum concierge service
  • Overseas travel insurance for trips up to 6 months
  • Transit accident insurance, Extended warranty and Purchase security insurance
  • Free additional card holder
  • Choose your rewards program: Altitude Velocity, Altitude Rewards or Altitude Qantas

  • $50 Velocity Rewards fee

Creditcard.com.au review

Editor Review

Westpac Altitude Black Credit Card – Velocity

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. about this card.

The Westpac Altitude Black Credit Card offer with 80,000 bonus Velocity Points

This current offer gives you 80,000 bonus Velocity points when you spend at least $4,000 within 90 days of card approval. Premium rewards credit card from Westpac with huge credit limit and complimentary insurances. Definitely a great offer on a truly premium rewards card for big spenders.

What we love...

You can't go past the 80,000 bonus Velocity points offer on this card. To be eligible for the bonus points you must spend $4,000 within the first 90 days of approval. Plus, if you spend an additional $6,000 on that card in the first year, you'll also get 50 Velocity status credits. Uncapped points earning lets you earn 0.75 Velocity points per $1.

The annual fee is $250 and you get one free additional card holder. Plus an annual $50 Velocity Rewards fee.

When you opt in for Velocity Rewards, you earn Velocity Points which will be credited directly into your Velocity Frequent Flyer Account where they can be redeemed for Virgin Australia flights, upgrades and more. Get 2 complimentary Economy X Seat Upgrade Vouchers each year to use on selected domestic Virgin Australia flights. Looking for lounge access? You get 2 complimentary Virgin Australia domestic airport lounge passes each year. You just need to provide Westpac 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.

What’s not so great...

While the earn rate is uncapped, the earn per $1 spent is not great.

Why should you choose this card?

The Westpac Altitude Black features uncapped points earning with a choice of three excellent rewards programs, Altitude, Qantas or Velocity.

When you need help with restaurant bookings, flights, party planning and tickets to events you have access to a Platinum concierge service 24/7 via app. Complimentary insurances like Overseas travel insurance for up to 6 months, transit accident insurance and extended warranty.

Overall Rating

A premium rewards credit card with uncapped points earn, fantastic bonus points offer and choice of three excellent rewards programs.

User reviews

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

60% 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 period on purchases up to 45 days

Credit limits

Minimum credit limt $15,000

Maximum credit limit $75,000

Fees & repayments

Annual fee $300 p.a.

Additional card holder fee $0 p.a.

Foreign transaction fee 3%

Minimum repayment 2%

Cash advance fee 2%

Late payment fee $15

Rewards and points

Rewards program

Rewards Program Velocity Frequent Flyer Velocity Frequent Flyer

Bonus points 80,000 points

Annual points cap uncapped

Bonus points spend criteria Spend $4,000 within first 90 days

Earning points with this card

Velocity Rewards points 0.75 points per $1 spent

Points cap per month N/A

Overseas earn rate same as standard earn rate

Additional features

Complimentary insurance

International Travel Insurance Yes - up to 6 months

Flight Inconvenience Insurance No

Transit Accident Insurance Yes

Smartphone Screen Insurance No

Purchase Protection Insurance Yes

Extended Warranty Insurance Yes

Rental Vehicle Excess In Australia Insurance No

Extras

2 complimentary Virgin Australia domestic airport lounge passes each year

Spend an additional $6,000 on that card in the first year, you'll also get 50 status credits

Overview

Westpac Altitude Black Credit Card – Velocity

Disclaimer: The interest free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date.

Key features

  • 80,000 bonus Velocity points when you spend $4,000 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
  • $250 annual card fee. Plus a $50 Velocity Rewards fee
  • Earn 0.75 Velocity points per $1 spent on eligible purchases
  • 2 complimentary Virgin Australia domestic airport lounge passes each year
  • Platinum concierge service
  • Overseas travel insurance for trips up to 6 months
  • Transit accident insurance, Extended warranty and Purchase security insurance
  • Free additional card holder
  • Choose your rewards program: Altitude Velocity, Altitude Rewards or Altitude Qantas

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. Temporary residents are eligible.

  • 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.

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