Offer ends 30 Sep 2026
Westpac Altitude Rewards Black
Westpac
The Westpac Altitude Black offers one of the strongest Velocity point bonuses on the market at 150,000 points, enough for a return business class flight to Bali. The higher $370 annual fee is offset by the lounge passes and travel insurance.
150,000
Bonus Points
Spend $6,000 in first 90 days
T&Cs apply. Always read the PDS.
Earn Rates
Travel Benefits
- 2 Virgin Australia lounge passes per year
- International travel insurance
- Transit accident insurance
Pros
- Market-leading 150,000 Velocity bonus
- Strong 1.25x standard earn rate
- Visa acceptance everywhere
- Includes Virgin lounge passes
Cons
- Only transfers to Velocity — not Qantas
- $370 annual fee is high
- Minimum spend requirement is steep
Frequently Asked Questions
How do I transfer points to Velocity?
Go to Westpac Online Banking, navigate to Altitude Rewards, and select 'Transfer to Velocity'. Transfers process within 5 business days.
Is 150,000 Velocity points enough for a flight?
Yes — 150,000 Velocity points can get you a return business class flight to Bali (around 56,000 points one-way in business), leaving plenty left over.
Ready to Apply?
Read the full terms on the issuer's website before applying.
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Last updated June 2026