Exclusive benefits to choose from:

  • 30,000 bonus Points*

    A generous boost to your Points balance. 23,300 Points, plus $154.88 in taxes, fees and carrier charges^ could be redeemed for a one way Economy class Reward Seat with Virgin Australia from Sydney to Bali. 

    Choose benefit
  • 200 Status Credits*

    Status Credits help determine a member's Velocity membership level – Platinum, Gold, Silver and Red. The more Status Credits a member has, the higher the membership tier. The higher your level of membership, the greater the benefits you will receive like lounge access, complimentary upgrades and priority boarding.

    Choose benefit

How to unlock this offer

  • First, choose your exclusive benefit (30,000 bonus Points OR 200 Status Credits) by 31 March 2024. Be sure to choose wisely because once your choice is made you will not be able to change it. 
  • Then, apply for a Velocity Points earning credit card with an annual fee by 31 March 2024.
  • Be approved for your chosen card and meet the minimum spend criteria as specified by the provider.
  • Your chosen benefit will then be applied to your Velocity account after the minimum spend criteria as specified by the provider is met.

 Psst... to choose an exclusive benefit you'll need to be a Velocity member, so join for free now if you're not already. You'll be prompted for your Velocity login details, if you can't quite remember these, here's some help.


Participating Cards and Inclusions

Chosen your bonus? Now it's time to choose an eligible card from our leading credit card partners Virgin Money, American Express, Westpac and BOQ Specialist.

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Virgin Australia Velocity High Flyer Card
  • Up to 80,000 bonus Points1
  • Up to 1 Velocity Points per $1 spent2
  • Request an annual $129 Virgin Australia gift voucher3
  • 2 complimentary Virgin Australia domestic Lounge passes each year4
  • $289 annual card fee (Annual fees are subject to change. Effective March 2024, the annual fee is increasing to $329 for new applicants).
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Virgin Australia Velocity Flyer Card
  • Up to 60,000 bonus Points5
  • Up to 0.66 Velocity Points per $1 spent6
  • Request an annual $129 Virgin Australia gift voucher7
  • $64 annual card fee for the first year and then $129 after that(Annual fees are subject to change. Effective March 2024, the annual fee is increasing to $149 for new applicants.)
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American Express Velocity Platinum Card
  • 100,000 bonus Velocity Points9 
    When you apply online by 15 May 2024, are approved, and spend $3,000 on eligible purchases on your new American Express Velocity Platinum Card within the first 3 months. T&Cs apply. Available to new American Express Card Members only9
  • Earn up to 2.25 Points per $1 spent10
  • A complimentary Virgin Australia return domestic flight between selected cities11 and two complimentary single entry Virgin Australia lounge passes each year12
  • Receive 100 Velocity Status Credits, when you spend a minimum of $50,000 within your Card Membership year13
  • All these benefits and more for an annual fee of $375
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American Express Velocity Business Card
  • 200,000 bonus Velocity Points14
    When you apply, are approved and spend $5,000 on eligible purchases on your new American Express® Velocity Business Card within 2 months of your approval date. Offer ends 15 May 202414. Available for new American Express Card Members only
  • Join Virgin Australia Business Flyer to receive a complimentary 12 month Velocity Gold membership15
  • Earn up to 2 Points per $1 spent16
  • Complimentary Travel Insurance when you use your American Express Velocity Business Card to pay for your return trip17
  • No pre-set spending limit18 and up to 51 days to pay for purchases19
  • All these benefits and more for an annual fee of $249
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Westpac Altitude Black Credit Card with Velocity Points
  • Up to 120,000 bonus Velocity Points20
  • 0.75 Velocity Points per $1 spent21 on eligible purchases22
  • Two complimentary single entry Virgin Australia domestic lounge passes each year23
  • Personal Concierge Service lets you browse and book experiences online24
  • All this and more for an annual card fee of $295, plus an annual Altitude Velocity Rewards fee of $7525
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Westpac Altitude Platinum Credit Card with Velocity Points
  • 70,000 bonus Velocity Points26
  • Earn up to 0.5 Velocity Points per $1 spent27 on eligible purchases28
  • Two complimentary Economy X Seat Upgrade vouchers each year (eligible for domestic flights only)29
  • $99 reduced first year annual fee ($175 thereafter)30, plus an annual Altitude Velocity Rewards fee of $7531
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BOQ Specialist Signature Card
  • Earn 20,000 bonus Velocity Points32
    when you make 10 Eligible Transactions in the first 2 months32
  • Earn up to 1 Velocity Point per $1 spent33
  • Earn uncapped Velocity Points on eligible transactions33
  • Available for Medical, Dental, Veterinary and Accounting Professionals only
  • $400 annual card fee
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BOQ Specialist Platinum Card
  • Earn 10,000 bonus Velocity Points34
  • Earn up to 1 Velocity Point per $1 spent on eligible international transactions35
  • Earn uncapped Velocity Points on eligible transactions35
  • Ability to set a monthly spend limit for each card
  • Available for Medical, Dental, Veterinary and Accounting Professionals only
  • $150 annual card fee

Questions? We have answers

Terms and Conditions

Credit Services Disclaimer

The credit services material on this webpage has been prepared by the relevant credit licensees as indicated and not Velocity Frequent Flyer Pty Ltd (VFF) or Virgin Australia (VA). VFF and VA do not hold an Australian Credit Licence and are not the licensee in relation to the credit activity being engaged in by the relevant credit licensee/credit representative.

In relation to credit cards featured on the Velocity Points Earning Credit Card page only. Terms and conditions apply.

*Exclusive Benefits

To be eligible to receive the choice of 30,000 bonus Velocity Points or 200 Status Credits (each an ‘Exclusive Benefit’), you must

(a) be a Velocity Frequent Flyer member,

(b) make your selection of the Exclusive Benefit by visiting here between 12:01am (AEST) 12 February 2024 and 11:59pm (AEST) 31 March 2024 (“Promotion Period”) (prior to the card application) and receive a confirmation email to the nominated email address in your Velocity Frequent Flyer account,

(c) after receipt of the confirmation email, during the Promotion Period, successfully apply for any card featured on the Velocity Points Earning Credit Card page that has an annual card fee (the American Express Velocity Escape Card is not eligible for this promotion), and

(d) be approved for the card applied for during the Promotion Period and meet the minimum spend criteria for the eligible offer associated with the individual card if the application is successful.

The selected Exclusive Benefit will be allocated to your Velocity account within 30 days of receiving the relevant eligible offer associated with the individual card provided by the issuer of the card (Issuer). You are unable to change any Exclusive Benefit once selected and you will only be able to receive one Exclusive Benefit during this promotion. The choice of 30,000 Bonus Velocity Points or 200 Status Credits is offered by Velocity Frequent Flyer and is separate to bonus points or other eligible offers from the Issuers. The choice of Exclusive Benefits is offered to the primary cardholder once. Exclusive Benefit selection must be made prior to any new card application by visiting hereVelocity membership Terms and Conditions apply. Each Exclusive Benefit is subject to further terms and conditions as follows:

30,000 bonus Velocity Points

As long as your Velocity Frequent Flyer account remains active, the 30,000 bonus Velocity Points will be credited to your Velocity Frequent Flyer account in accordance with and subject to the Velocity membership Terms and Conditions.

200 Status Credits

200 Status Credits will be credited to your Velocity Frequent Flyer account within 30 days of receiving the relevant eligible offer associated with the individual card provided by the issuer of the card. Any Status Credits earned through this Offer are subject to expiry after 12 months from earn.  Members who have selected family pooling will have their Status Credits pooled from Contributing Accounts to the Beneficiary account. Velocity members also need to fly on Virgin Australia marketed flights to earn Eligible Sectors in addition to Status Credits to upgrade or maintain a new level of membership, for more information visit here.

^Virgin Australia Reward Seat Terms and Conditions:

The quoted redemption fare is correct as at 1 February 2024 and is subject to change. Fares are subject to availability. Points value is based on international one-way Economy Reward Seat fares with Virgin Australia and must be booked through the Velocity website. Taxes, fees and carrier charges are payable in addition to Velocity Points redeemed. A Virgin Australia carrier charge is payable per sector, per person. Reward Seats and associated charges are not eligible for Points earn. Seats are limited and may not be available at peak times or on all flights. Price may vary until ticketed. Payment surcharge may apply. You can change or get a refund for your booking by paying a fee and any fare difference, at least 24 hours before scheduled departure. You may also request a refund for other reasons, including under the Australian Consumer Law. View the Velocity Rewards Seat fare rules for more information. Some flights may be operated by a partner airline. Full terms and conditions at velocityfrequentflyer.com.

Virgin Australia Velocity High Flyer Card:

1. Virgin Australia Velocity High Flyer Card 80,000 bonus Velocity Points offer
Up to 80,000 bonus Velocity Points offer is available to new approved Virgin Australia Velocity High Flyer Card account holders who apply by 4 March 2024. 40,000 bonus Velocity Points will be awarded for every month $3,500 or more is spent on eligible purchases for first 2 months from card approval (spend period).  Purchases must be processed and charged to your account in the relevant month to count toward your monthly spend. An eligible purchase means any purchase excluding Cash Advances, Balance Transfers, Special Promotions, refunds and chargebacks, purchases of foreign currency and travellers cheques, transactions made in operating a business, and fees and charges such as interest and ATM charges. Please note that if you have a balance transfer, you will be charged interest on any spend you make. Credit Card application must be submitted through this page. Points will be credited to the Primary Cardholder's Velocity account up to 60 days after the qualifying purchases. To earn and redeem Velocity Points there must be an active Velocity Frequent Flyer membership linked to the Virgin Australia Velocity High Flyer Card account. Velocity membership Terms and Conditions apply. This offer can't be used in conjunction with other Virgin Australia Velocity High Flyer Point promotions or offers.   Offer is not available to existing Virgin Money Credit Card holders (including upgrades).

2. Earn Rates 
Standard Velocity Point earn rate on the Virgin Australia Velocity High Flyer Card is 1 Point per dollar spent on Eligible Transactions on your first $8,000 spend per monthly statement period, then 0.5 Points per dollar spent on Eligible Transactions per monthly statement period thereafter. Standard Velocity Point earn rate on the Virgin Australia Velocity Flyer Card is 0.66 Points per dollar spent on Eligible Transactions on your first $1,500 spend per monthly statement period, then 0.5 Points per dollar spent on Eligible Transactions per monthly statement period thereafter. To earn and redeem Velocity Points, you must be a Velocity Frequent Flyer member. Velocity Points are earned on Eligible Transactions only. Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, fees and charges such as interest and ATM charges and government related transactions. Government related transactions include transactions with government or semi-government entities, or relating to services provided by or in connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation Office, council rates, motor registries, tolls, parking stations and meters, fares on public transport, fines and court related costs). See Velocity Rewards Program for High Flyer and Flyer Cardholders Terms and Conditions for full details and definition.

3. $129 Virgin Australia Gift Voucher 
The Virgin Australia Gift Voucher is available to Primary Cardholders only and provides one Virgin Australia Gift Voucher to the value of $129 (AUD) each year, in the form of a $129 travel credit in a Virgin Australia Travel Bank. You will become eligible for your $129 Virgin Australia Gift Voucher 30 days after card approval in your first year and 30 days after your card anniversary thereafter provided you have made a retail purchase as the Primary Cardholder in the 2 months prior to requesting your voucher online at online at https://virginmoney.com.au/products/credit-card/gift-voucher, your account is active and in good standing and you are a Velocity Frequent Flyer member. Gift voucher is not redeemable for cash and is not reloadable. See Virgin Australia Gift Voucher Benefit Terms & Conditions and Terms of use for full details.

4. Complimentary Lounge Pass 
The complimentary Lounge pass benefit is available to Primary Virgin Australia Velocity High Flyer Cardholders only and provides two Single-Entry Virgin Australia domestic Lounge passes each year. You will become eligible for your two Single-Entry Virgin Australia domestic Lounge passes upon card activation in your first year and then each anniversary thereafter. See Virgin Australia Lounge Pass Benefit Terms & Conditions for full details. Get the latest information on Virgin Australia lounge access. The Virgin Australia lounge is operated by Virgin Australia Airlines Pty Ltd in selected domestic airports in accordance with the Virgin Australia Lounge Terms and Conditions, and as amended from time to time.

Virgin Australia Velocity Flyer Card:

5. Virgin Australia Velocity Flyer Card 60,000 bonus Velocity Points offer
Up to 60,000 bonus Velocity Points offer is available to new approved Virgin Australia Velocity Flyer Card account holders who apply by 4 March 2024. 30,000 bonus Velocity Points will be awarded for every month $1,500 or more is spent on eligible purchases for first 2 months from card approval (spend period). Purchases must be processed and charged to your account in the relevant month to count toward your monthly spend. An eligible purchase means any purchase excluding Cash Advances, Balance Transfers, Special Promotions, refunds and chargebacks, purchases of foreign currency and travellers cheques, transactions made in operating a business, fees and charges such as interest and ATM charges. Please note that if you have a balance transfer, you will be charged interest on any spend you make. Credit Card application must be submitted through this page. Points will be credited to the Primary Cardholder's Velocity account up to 60 days after the  qualifying purchases. Velocity membership Terms and Conditions apply. This offer can't be used in conjunction with other Virgin Australia Velocity Flyer Point promotions or offers. Offer is not available to existing Virgin Money Credit Card holders (including upgrades).

6. Earn Rates 
Standard Velocity Point earn rate on the Virgin Australia Velocity Flyer Card is 0.66 Points per dollar spent on Eligible Transactions on your first $1,500 spend per monthly statement period, then 0.5 Points per dollar spent on Eligible Transactions per monthly statement period thereafter. To earn and redeem Velocity Points, you must be a Velocity Frequent Flyer member. Velocity Points are earned on Eligible Transactions only. Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, fees and charges such as interest and ATM charges and government related transactions. Government related transactions include transactions with government or semi-government entities or relating to services provided by or in connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation Office, council rates, motor registries, tolls, parking stations and meters, fares on public transport, fines and court related costs). See Velocity Rewards Program for High Flyer and Flyer Cardholders Terms and Conditions for full details and definition.

7. $129 Virgin Australia Gift Voucher 
The Virgin Australia Gift Voucher is available to Primary Cardholders only and provides one Virgin Australia Gift Voucher to the value of $129 (AUD) each year, in the form of a $129 travel credit in a Virgin Australia Travel Bank. You will become eligible for your $129 Virgin Australia Gift Voucher 30 days after card approval in your first year and 30 days after your card anniversary thereafter provided you have made a retail purchase as the Primary Cardholder in the 2 months prior to requesting your voucher online at online at https://virginmoney.com.au/products/credit-card/gift-voucher, your account is active and in good standing and you are a Velocity Frequent Flyer member. Gift voucher is not redeemable for cash and is not reloadable. See Virgin Australia Gift Voucher Benefit Terms & Conditions and Terms of use for full details.

8. Annual Fee  
Virgin Australia Velocity Flyer Card half annual fee offer is available to new customers that apply by 4 March 2024. The annual card fee is $64 for the first year, then $129 will be charged on the anniversary of your card account being opened with Virgin Money.

American Express Velocity Platinum Card:

9. Bonus & Eligibility. Receive 100,000 bonus Velocity Points when you apply online by 15 May 2024, are approved, and spend $3,000 on eligible purchases on your new Card within the first 3 months from the Card approval date. This offer is only available to new American Express Card Members. If you are an existing David Jones Card Member and don’t hold or have previously held any other American Express Card(s) in the past 18 months, you will be eligible for the offer. All other Card Members who currently hold or who have previously held any Card product issued by American Express Australia Limited, in the preceding 18 month period are ineligible for this offer. Eligible purchases do not include Card fees and charges, for example annual fees, interest, late payment, cash advances, balance transfers, traveller’s cheques and foreign currency conversion. Velocity membership and Points earn and redemption are subject to the Velocity Membership Terms and Conditions, as amended from time to time. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer. 

10. Velocity Points. As long as your account remains current and in good standing. Velocity Points are earned in accordance with the American Express Velocity Cards Points Terms and Conditions available here. Exclusions apply. Eligible purchases do not include cash advances, interest, balance transfers, fees and charges for traveller’s cheques and foreign currencies. These do not earn Velocity Points. For the full list of exclusions, please refer to the American Express Velocity Cards Points Terms and Conditions available here. Certain transactions will earn 0.5 points per dollar with Merchants classified as; 'government', including the Australian Taxation Office, the Australian Postal Corporation (Australia Post), federal/state and local government bodies. The additional Velocity Point earned per $1 spent applies only to Virgin Australia purchases made in Australia.

11. Complimentary Flight. The complimentary domestic economy Virgin Australia return flight is available between selected Australian cities and is available for booking by American Express Velocity Platinum Card Members after your first Card spend in the first year, and then after your first Card spend each year after the anniversary of your Membership. All flights are subject to availability and neither Virgin Australia nor American Express guarantee that seats or tickets will be available on the dates or at the times you may wish to fly. Seat availability may be limited to certain dates and/or flights and it may be more difficult to book seats around public holidays, school holidays or special events. Some flights may not have any seats available for redemption. Route availability is subject to change without notice. The complimentary flight is not eligible for Velocity Points and/or Status Credits earn. All travel is subject to the American Express Velocity Platinum Card Benefits Terms and Conditions and travel is subject to Virgin Australia Conditions of Carriage.

12. Virgin Australia Lounge. Two Single Entry passes to the Virgin Australia lounge will be activated on the Primary Card Member's Velocity Membership Card annually on or after each annual Card fee renewal date. Virgin Australia lounge entry passes are subject to the American Express Velocity Platinum Card Benefits Terms and Conditions.  Single entry passes are valid for 12 months from the date of issue. The Virgin Australia Lounge is operated by Virgin Australia Airlines Pty Ltd in selected domestic airports in accordance with the Virgin Australia Lounge Terms and Conditions,[HS1]  as amended from time to time. Visit the Virgin Australia website for up-to-date information on Virgin Australia’s Lounge network. 

13. Status Credits. 100 Velocity Frequent Flyer Status Credits will be awarded when you spend a minimum of $50,000 (on Eligible Spend) within your card membership year. Card membership year means 365 days from the anniversary date of your American Express Velocity Platinum Card. Eligible Spend does not include cash type purchases on a Card, for example travellers cheques and foreign currencies or any interest, fees or charges (including late payment or dishonoured payments) charged to the Card account. Please allow up to 2 weeks after you meet the minimum spend requirement for the Velocity Frequent Flyer Status Credits to be credited to your Velocity account. In addition to Status Credits, Velocity members need to fly on Virgin Australia marketed flights to earn Eligible Sectors to upgrade or maintain a level of membership. Find out more about the Status Credit and Eligible Sector requirements for Velocity membership levels.

American Express Velocity Business Card:

14. Bonus & Eligibility: Offer only available to new American Express Card Members who apply for the American Express Velocity Business Card by 15 May 2024, are approved and spend $5,000 on eligible purchases on their new Card in the first two (2) months from the Card approval date. Eligible purchases do not include Card fees and charges, for example annual fees, interest, late payment, cash advances, balance transfers, traveller’s cheques and foreign currency conversion. Card Members who currently hold or who have previously held any other Card product issued by American Express Australia Limited in the preceding 18-month period are ineligible for this offer. 200,000 bonus Velocity Points will be awarded to the eligible Card Member's Account 8-10 weeks after the spend criteria has been met. $249 annual fee applies. Subject to the American Express Velocity Business Card Points Terms and Conditions. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer.

15. Jump to Tier 2: New American Express Velocity Business Card Members who:

a) successfully apply for the American Express Velocity Business Card by 15 May 2024 and are approved;

b) spend $5,000 on their new American Express Velocity Business Card in the first two (2) months from the Card approval date; and

c) either:

    (i) are already a Virgin Australia Business Flyer Member with a Tier 1 Level Status; or

(ii) sign-up to Virgin Australia Business Flyer within the first two (2) months from the American Express Velocity Business Card approval date are eligible to be upgraded from Tier 1 to Tier 2 Level Status of Virgin Australia Business Flyer for 12-months (Jump to Tier 2 Offer), which includes a complimentary 12-month Velocity Gold Membership. See here for Velocity Gold Membership terms and conditions. The tier jump can take up to one month to reflect in a member’s Virgin Australia Business Flyer account.

For the avoidance of doubt, existing Virgin Australia Business Flyer members who are already at Tier 2 or 3 Level Status are not eligible for the Jump to Tier 2 Offer.

Card Members who currently hold or who have previously held any other Card product issued by American Express Australia Limited in the preceding 18-month period are ineligible for the Jump to Tier 2 Offer.

At the end of each 12-month anniversary, Virgin Australia reserves the right to review and change the Virgin Australia Business Flyer Member’s Tier Level based on the Member’s spend with Virgin Australia Business Flyer in the previous 12-months. Jump to Tier 2 Offer and the Program Benefits available for Tier 2 Virgin Australia Business Flyer Members are subject to the Virgin Australia Business Flyer Terms & Conditions, as amended from time to time. For more information regarding Tier Level Program Benefits, please visit https://virginaustralia.com/businessflyer.

16. Velocity Points: As long as your account remains current and in good standing, Velocity Points are earned in accordance with and subject to the Velocity American Express Cards Points Terms and Conditions, and exclusions apply. Eligible purchases do not include Card fees and charges, for example annual fees, interest, late payment, cash advances, balance transfers, traveller’s cheques and foreign currency conversion. These do not earn Velocity Points. For the full list of exclusions, please refer to the Velocity American Express Card Points Terms and Conditions. Earn 1 Point per $1 spent on eligible purchases and 2 Points per $1 spent on Virgin Australia purchases in Australia. You will earn 0.5 points per $1 spent at participating merchants classified as "government" including the Australian Taxation Office, the Australian Postal Corporation, federal/state and local government bodies. Industry specific earn rates may apply when you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant. For example a payment made to Local Government bodies processed through a payment aggregator may earn rates at the government earn rate. There may be taxation implications associated with your participation in the rewards program. You are advised to consult your accountant or tax advisor to determine if there are any implications from your participation in the program.

17. Insurance: The insurance on American Express Cards is subject to terms, conditions and exclusions (such as maximum age limits, pre-existing medical conditions and cover limits). You must use your American Express Velocity Business Card to pay for your trip in order to be covered under the travel insurance and pay for eligible items for those items to be covered under the retail insurance benefits. It is important you read the American Express Velocity Business Card Insurance Terms and Conditions and consider whether the insurance is right for you. We do not provide advice about the insurance or whether it is appropriate for your objectives, financial situation or needs.

18. No pre-set spending limit: does not mean unlimited spending. Your purchases are approved based on a variety of factors, including current spending patterns, your payment history, credit records, and financial resources known to us.

19. Extend your cash flow by up to 51 days: Depending upon when you make a purchase, when your statement is issued and whether or not you are carrying forward a balance on your Account from your previous statement period. If you pay by direct debit, your payment will be processed 10 days after your statement is issued.

Westpac Altitude Black Credit Card with Velocity Points:

20. Bonus Velocity Points Promotion Altitude Black: To be eligible for up to 120,000 bonus Velocity Points, you must apply and be approved for a new Altitude Velocity Black credit card between 2 November 2023 and 30 April 2024. You will receive an initial 90,000 bonus points if you spend $6,000 or more on eligible purchases within 120 days of card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria.
You will receive an additional 30,000 bonus points if you keep your account open for more than 12 months and continue to use the card. These additional points will be credited to your points balance within 12 weeks, after the first eligible purchase is made in the second year of your card account being active.

If you do not meet the minimum spend criteria within 120 days of card approval, you forfeit the initial 90,000 bonus points only. However, you are still eligible for the additional 30,000 bonus points in the second year if you continue to use your card. Existing Westpac customers who currently hold an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months, are not eligible for this offer. Velocity Points earned during a statement cycle are added to your Velocity Points balance on a monthly basis.

21. Rewards Points: The earning and redemption of Velocity Points are subject to the Altitude Terms and Conditions. Purchases that are not eligible to earn Rewards Points are set out in the Altitude Terms and Conditions. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances. Refer to the Altitude Terms and Conditions for information on how you earn points on transactions. Velocity Points earned during a statement cycle are added to your respective Points balance on a monthly basis.

22. Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account.

23. Virgin Australia Domestic Lounge Passes Two complimentary single-entry Virgin Australia Domestic Lounge Passes are available to Westpac Altitude Velocity Black Mastercard cardholders each year. To be eligible, your card account must not be in arrears for more than two consecutive statement cycles in accordance with the Altitude Terms and Conditions, you must have provided Westpac with your Velocity Frequent Flyer number and you have made a direct spend with Virgin Australia every year on your Altitude Velocity Black Mastercard from your card open date. You will become eligible upon card activation in your first year and then each anniversary thereafter. Virgin Australia Lounge Passes are valid for 12 months from date of issuance and will appear on your Velocity Frequent Flyer membership account within 10 business days of meeting eligible spend. Virgin Australia lounge is operated by Virgin Australia Airlines Pty Ltd in selected domestic airport locations and entry is subject to the Westpac Altitude Velocity Black Mastercard Lounge Pass Conditions and Virgin Australia Lounge Terms and Conditions which are subject to change from time to time.

24. Concierge Services for Altitude Black. Concierge services are provided by a third party supplier. For further details including terms and conditions visit www.westpac.tenconcierge.com

25. Altitude Velocity: In order to earn and redeem points, you must be a member of the Velocity Frequent Flyer program. An annual $75 Velocity Rewards fee applies.

Westpac Altitude Platinum Credit Card with Velocity Points:

26. Bonus Velocity Points Promotion Altitude Platinum: To qualify for this promotion you must apply and be approved for a new Altitude Velocity Platinum card between 2 November 2023 - 27 February 2024 and spend the minimum amount of $4,000 on eligible purchases on an Altitude Platinum card within 90 days from card approval in one or more transactions. The bonus Velocity Points will be added to your points balance within 12 weeks once you meet the eligible spend criteria. Existing Westpac customers who currently hold an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months, are not eligible for this offer. Velocity Points earned during a statement cycle are added to your Velocity Points balance on a monthly basis.

27. Rewards Points: The earning and redemption of Velocity Points are subject to the Altitude Terms and Conditions. Purchases that are not eligible to earn Rewards Points are set out in the Altitude Terms and Conditions. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances. Refer to the Altitude Terms and Conditions for information on how you earn points on transactions. Velocity Points earned during a statement cycle are added to your respective Points balance on a monthly basis.

28. Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account.

29. Economy X Seat Upgrade Voucher conditions:

1. By keeping or using your Westpac Altitude Velocity Platinum Card, you are agreeing to these Economy X Seat Upgrade Voucher Conditions. 

2. In these Economy X Seat Upgrade Voucher Conditions:

  • Westpac means Westpac Banking Corporation ABN 33 007 457 141
  • Virgin Australia means Virgin Australia Airlines Pty Ltd ABN 36 090 670 965
  • you and your means the Altitude Velocity Platinum Mastercard primary cardholder with a Westpac Altitude Velocity card account
  • Economy X Seat Upgrade Voucher means a single use, one-way upgrade to an Economy X seat class on an eligible Virgin Australia direct domestic flight between two selected Australian cities
  • Card means the Altitude Velocity Platinum Mastercard
  • Anniversary Year means the period starting on the date on which the applicable Altitude Velocity Platinum Mastercard account is opened by Westpac (Anniversary Date) and expiring on the day before the Anniversary Date each year thereafter
  • Primary Cardholder means the person who opens the Altitude Velocity Platinum Mastercard with Westpac

Other expressions which are used in these Economy X Seat Upgrade Voucher Conditions that are not defined here have the same meaning as in the Points Terms and Conditions.

30. Reduced First year Annual Card Fee: The discounted first year annual card fee of $99 is available when you apply and are approved for a new Altitude Velocity Platinum card between 2 November 2023 - 27 February 2024. After the first year, the $175 annual card fee applies and will be debited to your card account on the 12-month anniversary of the first transaction on your account and annually thereafter.

31. Altitude Velocity: In order to earn and redeem points, you must be a member of the Velocity Frequent Flyer program. An annual $75 Velocity Rewards fee applies.

Bank of Queensland Specialist Signature Card:

32. Signature credit card bonus Points offer: Offer is available for new credit card holders who apply, and are approved, for a Signature credit card, when you make 10 Eligible Transactions (as that term is defined within the meaning of the BOQ Specialist Velocity Rewards Program terms and conditions) within the first 2 months of receipt of the card. 20,000 bonus Velocity Frequent Flyer Points will be credited to the qualifying member account within two months of meeting the criteria. Not available in conjunction with any other credit card offer. Available to new credit card holders only. Terms and conditions, fees and charges and lending criteria apply. BOQ Specialist reserve the right to cease offering this product at any time without notice. Subject to BOQ Specialist Credit approval process. An annual credit card fee of $400 will apply. This offer may be extended, amended or withdrawn at any time without notice.

To earn and redeem Velocity Points you must be a Velocity member. Velocity membership and Points earn and redemption are subject to the Member Terms and Conditions, as amended from time to time. Velocity Points are earned in accordance with the BOQ Specialist Velocity Rewards Program Terms and Conditions. Points are earned on Eligible Transactions only. See definition of Eligible Transactions in the BOQ Specialist Velocity Rewards Program Terms and Conditions. Please allow 6-8 weeks after purchase for points to be credited to your Velocity Frequent Flyer account. BOQ Specialist recommends that you seek independent tax advice in respect of the tax consequences (including fringe benefits tax, goods and services tax and income tax) arising from the use of this product or from participating in the Velocity Frequent Flyer program.

33. Earn Rates: The Signature card will earn you 1 Velocity Point for every $1 spent on Eligible Transactions in Australia up to 10,000 Points per month, and 0.5 Points per $1 thereafter and 1.5 Velocity Points for every $1 spent on eligible international transactions.

Bank of Queensland Specialist Platinum Card:

34. Platinum credit card bonus Points offer: Offer is only available for new credit card holders who apply, and are approved, for a Platinum credit card before 31 March 2024. 10,000 Velocity Frequent Flyer Points will be credited to the qualifying member account within two months of activating your Platinum credit card. Not available in conjunction with any other credit card offer. Terms and conditions, fees and charges and lending and eligibility criteria apply. Subject to BOQ Specialist Credit approval process. An annual credit card fee of $150 will apply.

To earn and redeem Velocity Points you must be a Velocity member. Velocity Member Terms and Conditions apply. Velocity Points are earned in accordance with the BOQ Specialist Velocity Rewards Program Terms and Conditions. Points and bonus points are earned on Eligible Transactions only. See definition of Eligible Transactions in the BOQ Specialist Velocity Rewards Program Terms and Conditions. Please allow 6-8 weeks after making the eligible transaction for points to be credited to your Velocity Frequent Flyer account.

35. Earn Rates: The Platinum card will earn you 1 Velocity Point for every $2 spent on Eligible Transactions in Australia and 1 Velocity Point for every $1 spent on eligible international transactions. 

Velocity membership Terms & Conditions apply.