Altitude Velocity Black
Our premier credit card that provides access to a credit facility to make payments and perform transactions, and offers the ability to earn Velocity Points and receive travel related benefits.
- Purchase rate
- 20.99%
- Annual fee
- $295.00
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Purchase Interest on purchases · Interest free days may apply | 20.99% | — | — |
| Cash advance Interest on cash advances · No Interest Free days | 21.99% | — | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Annual Card Fee Charged yearly · $295 plus a separate $75 Velocity Rewards Fee, charged annually (applicable only when the Altitude Velocity rewards program is selected) | Ongoing | $295.00 |
| Foreign Transaction Fee Payable as a percentage of the Australian dollar value of any foreign transaction. Applies for transactions in a foreign currency, or in Australian dollars but processed by an overseas merchant or financial institution. Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia. | Transaction | 3% of transaction |
| Cash Advance Fee | Cash advance | 3.5% of transaction |
| Missed Payment Fee $20 each statement cycle that the minimum monthly payment is not paid by the statement due date. | Late payment | $20.00 |
| Overlimit Fee $15.00 once per statement period if your credit card account was opened before 4 June 2012. No overlimit fee will be charged for personal credit card accounts opened on or after 4 June 2012. | Event | $0.00 |
| Annual rewards program fee Charged yearly · Applies annually for customers who choose to earn Velocity Points through the Altitude Velocity rewards program |
Features
- Additional cards — up to 1
- Earn points faster by adding one additional cardholder (16 years or older) at no extra cost.
- Dedicated Westpac Concierge services are on-call 24/7 to fulfil your requests, from restaurant bookings and party planning, to tickets to your favourite game.
- Interest-free period — 45 days
- Digital wallet — Garmin Pay
- Tap and pay quickly and easily using Garmin Pay.
- Digital wallet — Apple Pay
- Tap and pay quickly and easily using Apple Pay.
- Digital wallet — Google Pay
- Tap and pay quickly and easily using Google Pay.
Eligibility
- Minimum age — 18 years18+ years old
- Residency status — Those having permanent residency in Australia/NZ OR being a non-resident or migrant and hold an acceptable Visa, with a minimum 1 year before expiry
- Minimum income — $75,000.00 p.a.Earn a minimum $75,000 per annum
- Customer having a regular, verifiable Australian taxable income.
- Customer having a fixed, verifiable residential address in Australia.
Constraints
- Minimum limit — $6,000.00
- Maximum limit — $75,000.00
More Information
Published by Westpac under the Consumer Data Right · Last updated 13 July 2026 · Product ID CCAltBlackVelocity · View on CDR.gov.au