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Westpac

Westpac Altitude Rewards Black

Velocity Frequent FlyerQantas Frequent FlyerComplimentary airport lounge access, concierge, insurances, Pay with Points

Annual fee A$370

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Your result · A$4,000/mo · 10% overseas · Velocity Frequent Flyer
22,900points/yr
Net value−A$141
Rank#33 of 40

Earn by category

Dining & cafés5,800
Groceries5,000
Transport & fuel2,600
Online shopping3,800
Bills & subscriptions1,500
Travel & airfare1,900
Everything else2,200
Points a year · total 22,800

Earn rules

CategoryConditionsRateMonthly cap
Base earn0.33 pts / A$1
Groceries'Everyday spend': supermarkets (Woolworths, Coles, IGA, Harris Farm, ALDI).0.67 pts / A$1None
Transport & fuel'Everyday spend': petrol stations (7-Eleven, Shell, Ampol, Caltex, BP).calculated as 50% of this category0.67 pts / A$1None
Bills & subscriptions'Everyday spend': utilities - water, gas, electricity, internet, mobile and streaming pai…calculated as 80% of this category0.67 pts / A$1None
Everything else'Everyday spend': department stores (Kmart, Target, Big W, David Jones, Myer).calculated as 20% of this category0.67 pts / A$1None
Overseas'International spend' (3 Altitude points per A$1).1 pts / A$1None
  • Above A$10,000/mo: 0.17 pts / A$1
  • First-year fee: A$275
  • Earns Altitude Rewards points; calculated at 3 points = 1 point
  • Sign-up bonus: 33,333 points · 100,000 bonus Altitude points (= ~33,333 Velocity at 3:1) for A$12,000+ eligible spend within 12 months of approval; plus 100,000 for A$12,000+ in year 2 (up t…
  • 1 point ≈ 1¢ (assumption, Oct 2026). Earn rates and annual fees follow each issuer’s disclosure.

Where these points go

This card earns or transfers to these programs.

Velocity Frequent FlyerVirgin Australia · 1 point ≈ 1¢Used in your result
Qantas Frequent FlyerQantas · 1 point ≈ 1¢

Verified 2026-10-23 · Westpac disclosure·Report an error