Westpac Altitude Velocity Black Review (2026)
Offer and details verified 17 May 2026
Rates can change without notice. Last verified: 17 May 2026 (AEST). Please confirm details on the bank’s official page.
Bonus Velocity Points
150,000
90k yr1 + 60k yr2
Annual fee
$295
$200 first year + $75 Velocity
Min spend (yr1 bonus)
$6k
within 90 days
Current Offer
The Westpac Altitude Velocity Black earns Virgin Australia Velocity Points directly. It's the Velocity equivalent of the Altitude Qantas Black — same fee structure and bonus point splits, but rewarding Virgin flyers instead. The current offer launched 1 May 2026.
| Milestone | Bonus points | Requirement |
|---|---|---|
| Year 1 bonus | 90,000 pts | Spend $6,000 within 90 days of approval |
| Year 2 bonus | 60,000 pts | Spend $6,000 within 90 days of card anniversary |
| Total | 150,000 pts | Over 2 years |
Fees
- First-year card fee: $200 (for eligible existing Westpac customers; otherwise $295)
- Ongoing card fee: $295/year
- Velocity Rewards Program fee: $75/year (additional, always applies)
- Interest-free days: Up to 45 days on purchases
Key Benefits
- Direct Velocity Points earning — no conversion required
- Complimentary Virgin Australia lounge passes
- Economy X seat upgrades on Virgin Australia (eligibility applies)
- International travel insurance
- Purchase security and extended warranty insurance
- Concierge service
Pros and Cons
Pros
- ✓ 150,000 Velocity Points — strong two-year total
- ✓ Direct Velocity earning — no conversion step
- ✓ Virgin Australia lounge passes and Economy X upgrades
- ✓ $200 first-year fee (eligible Westpac customers)
- ✓ $6k in 90 days is achievable for regular spenders
Cons
- ✗ $75/year Velocity Rewards Program fee on top of card fee
- ✗ $6k must be spent within 90 days — tighter window
- ✗ Not available if you've held eligible Westpac Altitude/Earth in last 24 months
- ✗ Economy X upgrades and lounge passes subject to eligibility conditions
Qantas vs Velocity — Which Variant?
The Altitude Qantas Black and Altitude Velocity Black have identical fees and bonus point structures. The choice comes down entirely to which airline you fly most.
- Fly Qantas/Jetstar? Choose Altitude Qantas Black for direct Qantas Points earning
- Fly Virgin Australia? Choose Altitude Velocity Black for Velocity Points and lounge access
- Flexible? Consider Altitude Black (Rewards) — Altitude Points transfer to both programs plus hotels
FAQs
How do I earn the 150,000 bonus Velocity Points?
90,000 points when you spend $6,000 within 90 days of approval. A further 60,000 points in Year 2 when you spend $6,000 within 90 days of your card anniversary.
What is the annual fee?
$295 card fee ($200 in year 1 for eligible Westpac customers), plus $75/year Velocity Rewards Program fee.
What Virgin Australia benefits are included?
Complimentary Virgin Australia lounge passes and Economy X seat upgrades (eligibility conditions apply), plus travel and purchase insurance.
Information is general in nature and may change without notice. Offer details verified 17 May 2026. Confirm current offer, fees, and eligibility on Westpac's website before applying. This is not financial advice.