Westpac Altitude Velocity Black
Quick answer: The Westpac Altitude Velocity Black carries a A$370 annual fee and 3 catalogued benefits; its best earning category is Foreign Transactions at 1.2x. MaxWorth is the only benefits tracker with hand-verified Australian card data, and it never asks for a bank login.
Earning rates
| Category | Rate | True cash-back value |
|---|---|---|
| Foreign Transactions | 1.2x | 1.2% |
| Dining | 0.8x | 0.8% |
| Groceries | 0.8x | 0.8% |
| Gas | 0.8x | 0.8% |
| Department Stores | 0.8x | 0.8% |
| Utilities | 0.8x | 0.8% |
| Everything else | 0.5x | 0.5% |
True cash-back value = rate × MaxWorth's valuation of the card's points currency; see the methodology.
Status & Elite Perks (2)
Virgin Australia Lounge Access
A$100/yr2 complimentary single-entry Virgin Australia domestic lounge passes per cardholder per year, credited to your Velocity account within 10 business days of card open/anniversary. No minimum spend required.
Virgin Australia Seat Upgrade Vouchers
A$50/yr2 Economy X seat upgrade vouchers per year on selected Virgin Australia domestic flights. Requires eligible direct spend with Virgin Australia (exact dollar threshold not published). Redeem via Virgin Australia Guest Contact Centre.
Protections (1)
Travel Insurance & Purchase Protection
A$100/yrComplimentary international travel insurance (up to 6 months per trip, requires charging at least $500 of eligible travel expenses to the card before departure, holding a return overseas ticket, and being under 81), overseas emergency medical/evacuation (unlimited), accidental death cover up to $150,000 total, overseas transit accident insurance, interstate flight inconvenience insurance (Australia-only), rental vehicle excess cover in Australia (lesser of rental agreement or $5,500), Purchase Protection Insurance (up to $10,000/item, $135,000/year), and Extended Warranty Insurance (up to 2 years, $20,000/product/year). Underwritten by Allianz.
How to track it
Add the Westpac Altitude Velocity Black to MaxWorth and every credit above appears with its cycle set; you get a push before each one expires and the card's annual-fee ROI runs from what you mark used. No Australian bank account is ever connected. What MaxWorth covers for Australian cards.
Other Westpac Banking Corporation cards
- Westpac Altitude Qantas Black · A$370 · 2 benefits
- Westpac Altitude Rewards Black · A$295 · 2 benefits
- Westpac Altitude Qantas Platinum · A$250 · 1 benefits
- Westpac Altitude Velocity Platinum · A$250 · 2 benefits
- Westpac Altitude Business Platinum · A$200 · 2 benefits
- Westpac Altitude Rewards Platinum · A$175 · 1 benefits
- Westpac Altitude Business Gold · A$150 · 1 benefits
- Westpac BusinessChoice Rewards Platinum · A$150 · 2 benefits
Source: the issuer's published terms, entered and verified by hand in the MaxWorth database; amounts in AUD. Methodology.