Ask Roland a Question

Hi, I’m the site founder and I will personally answer your question within a business day.

By submitting this question you agree to our privacy policy.

Westpac Altitude Black Credit Card – Velocity
1 review

Westpac Altitude Black Credit Card – Velocity

Apply by 15 October 2019

points over 12 months Calculate your savings icon

Earn rate per $1

0.75 points Velocity Frequent Flyer

Bonus points

80,000 points Spend $4,000 within first 90 days

Annual fee

$300 p.a.

Pros

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

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

Free additional card holder

Cons

$50 Velocity Rewards fee

100% of customers who have rated this card would recommend it
  • Rates
    51%
  • Fees
    52%
  • Rewards
    63%
  • Customer Service
    72%
  • Value
    63%
Overall user rating 60%
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 $300 p.a.
Additional cardholder fee $0 p.a.
Cash advance fee 2%
Foreign transaction fee 3%
Minimum repayment 2%
Late payment fee $15
Credit card type Mastercard
Rewards program
Rewards program Velocity Frequent Flyer Velocity Frequent Flyer
Bonus points 80,000 Velocity points
Annual points cap uncapped
Bonus points spend criteria Spend $4,000 within first 90 days
Earning points with this card
Velocity points 0.75 points per $1 spent
Overseas earn rate same as standard earn rate
Points cap per month N/A
Complimentary insurance
Overseas travel insurance yes - up to 6 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
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

Westpac Altitude Black Credit Card – Velocity

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

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. Offer ends 15 October 2019.

(showing the latest 10 Q&As)

Westpac Altitude Black Credit Card – Velocity

Earn 80,000 bonus Velocity points when you spend $4,000 on eligible purchases within 90 days of card approval. Earn up to 0.75 Velocity points per $1 spent on purchases and get a large range of benefits and rewards, there’s no doubt that the Altitude Black is an ideal high end rewards card. 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. Offer ends 15 October 2019.

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
  • Be over 18 years old
  • Good credit and 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
Westpac Altitude Black Credit Card – Velocity
Westpac Altitude Black Credit Card – Velocity

Westpac Credit Cards

Westpac Altitude Black Credit Card – Velocity

Updated 13 September 2019

Apply by 15 October 2019

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
  • 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
  • Free additional card holder

  • $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. Offer ends 15 October 2019.

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 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 Velocity points

Annual points cap uncapped

Bonus points spend criteria Spend $4,000 within 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 same as standard earn rate

Additional features

Complimentary insurance

Overseas travel insurance yes - up to 6 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

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

Earn 80,000 bonus Velocity points when you spend $4,000 on eligible purchases within 90 days of card approval. Earn up to 0.75 Velocity points per $1 spent on purchases and get a large range of benefits and rewards, there’s no doubt that the Altitude Black is an ideal high end rewards card. 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. Offer ends 15 October 2019.

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

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.

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)

Similar Credit Cards

31 reviews

Apply by 2 Dec 19

More info
points earned over 12 months
1 point
16.77% Complete (success)
Velocity Frequent Flyer
100,000
points
16.77% Complete (success)
Velocity Frequent Flyer
$289
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

6 reviews
More info
points earned over 12 months
0.5 points
16.77% Complete (success)
Qantas Frequent Flyer
25,000
points
16.77% Complete (success)
Qantas Frequent Flyer
$95
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon
Help us improve

By submitting this feedback you agree to our privacy policy.

My credit card is not listed

By submitting this form you agree to our privacy policy.