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Westpac
Westpac Altitude Velocity Black
Velocity Frequent FlyerVirgin Australia domestic lounge passes (after a direct VA spend each year), Economy X seat upgrades, concierge, insurances
Annual fee A$450
Apply29,000points/yr
Net value−A$160
Rank#35 of 40
Earn by category
Points a year · total 28,900Earn rules
| Category | Conditions | Rate | Monthly cap |
|---|---|---|---|
| Base earn | 0.4 pts / A$1 | ||
| Groceries | 'Everyday spend': supermarkets (Woolworths, Coles, IGA, Harris Farm, ALDI). | 0.8 pts / A$1 | None |
| Transport & fuel | 'Everyday spend': petrol stations (7-Eleven, Shell, Ampol, Caltex, BP).calculated as 50% of this category | 0.8 pts / A$1 | None |
| Bills & subscriptions | 'Everyday spend': utilities - water, gas, electricity, internet, mobile and streaming pai…calculated as 80% of this category | 0.8 pts / A$1 | None |
| Everything else | 'Everyday spend': department stores (Kmart, Target, Big W, David Jones, Myer).calculated as 20% of this category | 0.8 pts / A$1 | None |
| Overseas | 'International spend' (foreign transactions). | 1.5 pts / A$1 | None |
- Above A$10,000/mo: 0.25 pts / A$1
- Sign-up bonus: 90,000 points · 90,000 bonus Velocity Points for A$6,000+ eligible spend within 90 days of approval; plus 60,000 for A$6,000+ within 90 days of the year-2 anniversary (up to 1…
- 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
Verified 2026-10-23 · Westpac disclosure·Report an error