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Westpac Altitude Platinum Credit Card – Velocity
points over 12 months Calculate your savings icon

Earn rate per $1

0.5 points
16.77% Complete (success)
Velocity Frequent Flyer

Bonus points

60,000 points
60,000% Complete (success)

Annual fee

$200
p.a.
200% Complete (success)

Pros

60,000 bonus Velocity points when you spend $3,000 or more in the first 90 days.

Complimentary overseas travel insurance for up to 3 months

Platinum concierge service

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

Cons

$50 Velocity Rewards fee included in the annual fee for choosing to earn Velocity Points

Westpac Altitude Platinum Credit Card – Velocity

Get 60,000 Bonus Velocity points on a new Altitude Platinum credit card when you spend $3,000 on eligible purchases within 90 days of card approval. Complimentary overseas travel insurance cover for trips up to 3 months and 24/7 complimentary Concierge Service. Earn 0.5 Velocity points per $1 spent on eligible purchases. Offer ends 15 October 2019.

Key features

  • 60,000 bonus Velocity points on a new Westpac Altitude Platinum credit card when you spend $3,000 or more in the first 90 days of card approval.
  • $150 annual card fee plus an annual $50 Velocity Rewards fee applies
  • Complimentary overseas travel insurance for trips up to 3 months
  • Platinum concierge service
  • Earn 0.5 Velocity points per $1 spent on eligible purchases
  • Complimentary additional card holder
  • 2 complimentary Economy X seat upgrade vouchers each year to use on selected domestic flights. Available when you spend with Virgin Australia on your Mastercard
  • Want to earn Altitude points?
100% of customers who have rated this card would recommend it
  • Rates
    55%
  • Fees
    47%
  • Rewards
    62%
  • Customer Service
    67%
  • Value
    72%
Overall user rating 61%
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 $6,000
Maximum credit limit $50,000
Fees & repayments
Annual fee $200 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 60,000 Velocity points
Annual points cap uncapped
Bonus points spend criteria Spend $3,000 within first 90 days
Earning points with this card
Velocity points 0.5 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 3 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
24/7 personal concierge service
2 complimentary Economy X seat upgrade vouchers each year to use on selected domestic flights. Available when you spend with Virgin Australia on your Mastercard

The Westpac Altitude Platinum Credit Card - 60,000 bonus Velocity points

Offering you the choice of three rewards programs, the Westpac Altitude Platinum Credit Card is a flexible credit card with an excellent range of platinum perks. If you are interested in earning Altitude points, check out the Westpac Altitude Platinum Credit Card and if you want to earn Qantas points see the Westpac Altitude Platinum Credit Card – Qantas.

What we love…

One of the great things about the Westpac Altitude Platinum Credit Card is its flexibility and as a cardholder, you can choose to earn points on the Altitude program, or you can opt in to the Qantas program or Velocity program. In this review we will look at the Altitude Velocity program.

All you have to do to get your hands on those bonus points is apply and be approved by 15 October 2019, and then spend $3,000 on eligible purchases within 90 days of card approval. Once you’ve made that spend, the bonus 60,000 points will be credited to your account within 12 weeks. Then it’s simply a matter of deciding what you want to spend them on.

Velocity

When you choose to earn Velocity points you opt in to the Velocity program, paying a $50 Velocity Rewards fee. Within this program, you can earn 0.5 Velocity Points for every $1 spent on eligible purchases, to be redeemed for Virgin Australia flights, upgrades and more. Also stretch out with complimentary Economy X Seat Upgrade Vouchers.

What’s not so great…

As you will find with most platinum rewards cards, the interest charged on the Westpac Altitude Platinum Credit Card is not low. With both the purchase rate and cash advance rate being relatively high, it’s best to avoid cash advances and to clear your balance month-to-month.

As for points redemption, there are other credit cards on the market offering a higher earn rate on the Velocity program, but it’s up to you to work out which one offers the most back for your spend. With its relatively low annual fee, the Westpac Altitude Platinum Credit Card may just offer a more rewarding option.

Why should you choose this card?

If you’re looking for a flexible rewards card with some nice extras on the side, the Westpac Altitude Platinum Credit Card could be well worth looking into. As a cardholder, you will pay a $150 annual fee plus an annual $50 Velocity Rewards fee, for choosing to earn Velocity points.

You can also add one additional cardholder at no extra cost to earn points faster. Cardholders benefit from a 24/7 personal concierge service, and a range of complimentary insurance covers.

Overall Rating

The Westpac Altitude Platinum Velocity Credit Card is a flexible rewards card with platinum benefits and 60,000 bonus Velocity points.

(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 $30,000 p.a.
  • You have your personal details ready to complete the online application
Westpac Altitude Platinum Credit Card – Velocity
Westpac Altitude Platinum Credit Card – Velocity

Westpac Credit Cards

Westpac Altitude Platinum Credit Card – Velocity

Updated 24 June 2019

Apply by 15 October 2019

Points Earn Rate (per $1 spent)

0.5

points

Velocity

Rewards Program

Velocity Frequent Flyer

Bonus Points

60,000 pts

Spend $3,000 within first 90 days

0 points over 12 months spend

My monthly card spend

Pros and cons

  • 60,000 bonus Velocity points when you spend $3,000 or more in the first 90 days.
  • Complimentary overseas travel insurance for up to 3 months
  • Platinum concierge service
  • 2 complimentary Economy X seat upgrade vouchers each year to use on selected domestic flights. Available when you spend with Virgin Australia on your Mastercard

  • $50 Velocity Rewards fee included in the annual fee for choosing to earn Velocity Points

Creditcard.com.au review

Editor Review

The Westpac Altitude Platinum Credit Card - 60,000 bonus Velocity points

Offering you the choice of three rewards programs, the Westpac Altitude Platinum Credit Card is a flexible credit card with an excellent range of platinum perks. If you are interested in earning Altitude points, check out the Westpac Altitude Platinum Credit Card and if you want to earn Qantas points see the Westpac Altitude Platinum Credit Card – Qantas.

What we love…

One of the great things about the Westpac Altitude Platinum Credit Card is its flexibility and as a cardholder, you can choose to earn points on the Altitude program, or you can opt in to the Qantas program or Velocity program. In this review we will look at the Altitude Velocity program.

All you have to do to get your hands on those bonus points is apply and be approved by 15 October 2019, and then spend $3,000 on eligible purchases within 90 days of card approval. Once you’ve made that spend, the bonus 60,000 points will be credited to your account within 12 weeks. Then it’s simply a matter of deciding what you want to spend them on.

Velocity

When you choose to earn Velocity points you opt in to the Velocity program, paying a $50 Velocity Rewards fee. Within this program, you can earn 0.5 Velocity Points for every $1 spent on eligible purchases, to be redeemed for Virgin Australia flights, upgrades and more. Also stretch out with complimentary Economy X Seat Upgrade Vouchers.

What’s not so great…

As you will find with most platinum rewards cards, the interest charged on the Westpac Altitude Platinum Credit Card is not low. With both the purchase rate and cash advance rate being relatively high, it’s best to avoid cash advances and to clear your balance month-to-month.

As for points redemption, there are other credit cards on the market offering a higher earn rate on the Velocity program, but it’s up to you to work out which one offers the most back for your spend. With its relatively low annual fee, the Westpac Altitude Platinum Credit Card may just offer a more rewarding option.

Why should you choose this card?

If you’re looking for a flexible rewards card with some nice extras on the side, the Westpac Altitude Platinum Credit Card could be well worth looking into. As a cardholder, you will pay a $150 annual fee plus an annual $50 Velocity Rewards fee, for choosing to earn Velocity points.

You can also add one additional cardholder at no extra cost to earn points faster. Cardholders benefit from a 24/7 personal concierge service, and a range of complimentary insurance covers.

Overall Rating

The Westpac Altitude Platinum Velocity Credit Card is a flexible rewards card with platinum benefits and 60,000 bonus Velocity points.

User reviews

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

61% 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 $6,000

Maximum credit limit $50,000

Fees & repayments

Annual fee $200 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 60,000 Velocity points

Annual points cap uncapped

Bonus points spend criteria Spend $3,000 within first 90 days

Earning points with this card

Velocity pointsVelocity points 0.5 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 3 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

24/7 personal concierge service

2 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

Westpac Altitude Platinum Credit Card – Velocity

Get 60,000 Bonus Velocity points on a new Altitude Platinum credit card when you spend $3,000 on eligible purchases within 90 days of card approval. Complimentary overseas travel insurance cover for trips up to 3 months and 24/7 complimentary Concierge Service. Earn 0.5 Velocity points per $1 spent on eligible purchases. Offer ends 15 October 2019.

Key features

  • 60,000 bonus Velocity points on a new Westpac Altitude Platinum credit card when you spend $3,000 or more in the first 90 days of card approval.
  • $150 annual card fee plus an annual $50 Velocity Rewards fee applies
  • Complimentary overseas travel insurance for trips up to 3 months
  • Platinum concierge service
  • Earn 0.5 Velocity points per $1 spent on eligible purchases
  • Complimentary additional card holder
  • 2 complimentary Economy X seat upgrade vouchers each year to use on selected domestic flights. Available when you spend with Virgin Australia on your Mastercard
  • Want to earn Altitude points?

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 $30,000 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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