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The Westpac Altitude Black credit card earns 1.25 Velocity points per dollar — the highest Velocity earn rate from a major bank card. At $250/yr with complimentary travel insurance and lounge access, it targets Virgin Australia loyalists.
Westpac Credit Cards at a Glance
Velocity PointsWestpac Altitude Black
1.25 Velocity pts/$1, 60k bonus. $250/yr. Best Velocity earn rate.
Qantas PointsWestpac Altitude Qantas Black
1 Qantas pt/$1, 90k bonus. $250/yr. Mastercard acceptance.
Balance TransferWestpac Low Rate
0% BT for 32 months — longest in AU. 13.74% ongoing. $59/yr.
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Why the Westpac Altitude Black credit card Stands Out
✓ What makes it worth it:
- 1.25 Velocity pts/$1 — highest bank earn rate for Velocity
- 60,000 bonus Velocity points on sign-up
- Complimentary travel insurance
- 2 Virgin Australia lounge passes/yr
- Points transfer to KrisFlyer, Etihad and more
✗ What to consider:
- $250 annual fee
- 3% foreign transaction fee
- 20.99% purchase rate
- Minimum income $80,000
Verdict: Who Should Get This Card?
The Westpac Altitude Black is the best card for earning Velocity points from a Visa/Mastercard. If you fly Virgin Australia regularly, this is your card. If you prefer Qantas, the ANZ Frequent Flyer Black or Amex Qantas Ultimate are better options.
Ready to apply? Go directly to Westpac:
✓ Official Westpac website • ✓ Secure application • ✓ Takes 5-10 minutes
How many Velocity points for a domestic flight? ▼
A return economy domestic flight costs ~15,600 Velocity points. At 1.25 pts/$1, that’s about $12,500 in spending.
Can I transfer points to other airlines? ▼
Yes — Velocity points transfer to Singapore Airlines KrisFlyer, Etihad Guest, and other partners.
Is there a Qantas version? ▼
Yes — the Westpac Altitude Qantas Black earns Qantas points instead, at a slightly lower rate.
This review is for informational purposes only and does not constitute financial advice. Credit card terms and conditions change — verify current details directly on the Westpac website before applying.
