How to earn Velocity Points
with Westpac Altitude

TAKE UP AN ELIGIBLE WESTPAC ALTITUDE CREDIT CARD TO EARN VELOCITY POINTS DIRECTLY

With an eligible Westpac Altitude Credit Card, there are lots of ways to be rewarded. Points earned on your everyday spend are automatically transferred into your Velocity account each month.

Special Offer

ALTITUDE BLACK MASTERCARD

American Express Platinum Card

 80,000 bonus Velocity Points when you apply,are approved and spend $4,000 on eligible purchases within 90 days of card approval. Offer ends 15 October 20193.

 Earn up to 0.75 Velocity Points per $1 spent on eligible purchases, uncapped4.

 Receive 50 Status Credits when you spend a minimum of $10,000 within your first year5

 Two complimentary single-entry Virgin Australia domestic lounge passes each year2

Two complimentary Economy X Seat Upgrade vouchers each year (eligible for domestic flights only)1

 ​​​​​​​Complimentary overseas travel insurance, purchase security insurance and extended warranty insurance6

 ​​​​​​​All this and more for an annual fee of $250, plus an annual Altitude Velocity fee of $50

FIND OUT MORE

Terms and Conditions

 

American Express Westpac altitude Black Card

40,000 bonus Velocity Points and 25 Status Credits when you apply, are approved and spend $3,000 on eligible purchases within 90 days of card approval. Offer ends 15 October 20198

One of the strongest Velocity Points earn rates – earn up to 2 Points per $1 spent on eligible purchases in foreign currency, 1.25 Points per $1 spent on eligible purchases in Australia and 0.5 Points per $1 spent on government bodies in Australia such as Australia Post and the Australian Taxation Office9

Two complimentary visits each year to the American Express® Airport Lounge at either Sydney or Melbourne International Airports

Overseas travel insurance, purchase security insurance and extended warranty insurance12

Access to exclusive Amex offers, including shopping, dining, travel and entertainment

American Express Invites gives you access to pre-sale tickets to some of your favourite artists and reserve seating offers

$0 Additional Card Fee

All this and more for an annual Card fee of $199

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Terms and Conditions

ALTITUDE PLATINUM MASTERCARD

American Express Platinum Card

 60,000 bonus Velocity Points when you apply and are approved by 15 October 2019 and spend $3,000 on eligible purchases within 90 days of card approval13

 Earn up to 0.50 Points per $1 spent on eligible purchases2, uncapped14

Two complimentary Economy X Seat Upgrade vouchers each year (eligible for domestic flights only)15

 ​​​​​​​Complimentary overseas travel insurance, purchase security insurance and extended warranty insurance16

 ​​​​​​​All this and more for an annual fee of $150, plus an annual Altitude Velocity fee of $50

FIND OUT MORE

Terms and Conditions

american Express® Westpac ALTITUDE Platinum Card

 15,000 bonus Velocity Points when you apply, are approved and spend $3,000 on eligible purchases within 90 days of card approval. Offer ends 15 October 20198

Earn up to 1.5 Points per $1 spent on eligible purchase in foreign currency, 1 Point per $1 spent on eligible purchases in Australia and 0.5 Points per $1 spent on government bodies in Australia such as Australia Post and the Australian Taxation Office 9

Overseas travel insurance, purchase security insurance and extended warranty insurance12

Access to exclusive Amex offers, including shopping, dining, travel and entertainment

American Express Invites gives you access to pre-sale tickets to some of your favourite artists and reserve seating offers.

$0 Additional Card Fee

All this and more for an annual Card fee of $49

FIND OUT MORE

Terms and Conditions

MAXIMISE THE REWARDS ON YOUR
VELOCITY POINTS EARNING CREDIT CARD

Here are some great ways you can maximise your rewards with Altitude Velocity.

MY BENEFITS

Enjoy exclusive benefits on the Mastercard such as Economy X Seat Upgrades, Velocity Lounge Passes (only on Altitude Black Mastercard), and more.

Explore more benefits

MAXIMISE POINTS

Add an American Express® Westpac Altitude Card to your Westpac Altitude card and enjoy one of the strongest Velocity Points earn rates, plus American Express benefits like Amex Offers, American Express Invites and American Express lounge access (only on the American Express Westpac Altitude Black Card).

Discover more

DOUBLE DIP

Did you know that if you use your eligible Altitude Card with any of the Velocity partners, you’ll earn Points twice? With the partner and with your Card.

Learn more

MORE Rewards

Westpac’s most rewarding card, offering a range of premium services including Priority Service Line, Concierge, exclusive offers and experiences.

Find out more

TRANSFERRING WESTPAC ALTITUDE POINTS to VELOCITY

Transfer your existing Altitude Points from your eligible credit card straight into your Velocity account18. Transfer rates vary, as follows:

  • One Time Transfer: 3 Altitude Points = 1 Velocity Point
    (A minimum of 3,000 Altitude Points, with additional increments in multiples of 600 Altitude Points at a time applies)
     

Transfer Now

Terms & Conditions

Eligible cards

If your card is listed below, you can transfer your existing Altitude Points to your Velocity account today18.

  • Westpac Altitude
  • Westpac Altitude Platinum
  • American Express® Westpac Altitude Platinum Card 
  • Westpac Altitude Platinum Plus
  • Westpac Altitude Black
  • American Express® Westpac Altitude Black Card
  • Westpac Altitude Business
  • Westpac Altitude Business Gold
  • Westpac Altitude Business Platinum

How to transfer

You can convert the points earned on your eligible Westpac credit cards to Velocity Points by transferring from your Westpac account13

Altitude Points earned through the American Express Westpac Altitude Card can be transferred to Velocity Points through altituderewards.com.au. For more information and transfer rates from Altitude Points to Velocity Points, please visit altituderewards.com.au.

If your Velocity membership number is not already registered with Westpac, you can do this online in your account, or by calling 1300 887 820.

  • Step 1: Visit the Altitude Rewards website

    Step 2: Select Velocity on the Redeem Points page

    Step 3: Choose the Transfer now option for a one off transfer of Altitude points to Velocity Points

    Step 4: Log in to your Altitude Rewards Account and then enter the quantity of points to transfer (a minimum 3,000 Altitude points is required to transfer, with additional increments in multiples of 600 Altitude points at a time).

    Step 5: Enter your Velocity Frequent Flyer number and select Send.

    Transfer now

  • Credit criteria, fees and charges apply. 

    American Express Westpac Altitude Cards are issued and administered by American Express Australia Limited ABN 92 108 952 085 and Australian credit licence 291313. ®Registered Trademark of American Express Company. 

    Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.

    Note: the Card issued by American Express will be a separate credit card contract to the Westpac Altitude Card, with its own credit limit, statement and annual Card fee.

    13. Transfer one time: A minimum of 6 Altitude points is required before points can be transferred. You will receive 1 Velocity Point for every 3 Altitude points. Please allow 3 business days for the processing of the tranfers. You will not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances. Once Altitude Points have been redeemed for Velocity Points, they are governed by the Velocity Membership Terms and Conditions and cannot be reversed. Velocity membership and the earn and redemption of Velocity Points is subject to the Member Terms and Conditions, available at velocityfrequentflyer.com, as amemded from time to time.

  • 1. By keeping or using your Westpac Altitude Velocity Platinum or Westpac Altitude Velocity Black 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 or Altitude Velocity Black 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 or Altitude Velocity Black Mastercard
    • Anniversary Year means the period starting on the date on which the applicable Altitude Velocity Platinum Mastercard or Altitude Velocity Black Mastercard card 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 and Altitude Velocity Black 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, enclosed with this booklet.

    3. Economy X Seat Upgrade Voucher redemption is available for booking via the redemption criteria in clause 13 by eligible Altitude Velocity Platinum Mastercard or Altitude Velocity Black Mastercard primary cardholders

    4. Eligibility:

    (a) You are entitled to two Economy X Seat Upgrade Vouchers per Anniversary Year of holding your eligible Altitude Velocity Platinum Mastercard or Altitude Velocity Black Mastercard card account after meeting any annual spend and other criteria required by Westpac.  For spend, other criteria and Altitude Terms and Conditions, please refer to https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/Altitude_Rewards_Terms_and_1.pdf 

    (b)Your Flight must be booked and Economy X Seat Upgrade Vouchers redeemed before the end of each Anniversary Year. Voucher benefits cannot be carried forward to any subsequent year.

    5. Subject to applicable laws, Virgin Australia and Westpac reserve the right to change these Economy X Seat Upgrade Voucher Conditions from time to time without prior notice, including but not limited to the right to charge fees for Economy X Seat Upgrades or to stop offering Economy X Seat Upgrades. Westpac will inform you of any changes to these Economy X Seat Upgrade Voucher Conditions.

    6. You may redeem your Economy X Seat Upgrade Voucher in the name of another individual travelling on the same itinerary as the Primary Cardholder.

    7. Each Economy X Seat Upgrade Voucher can only be redeemed on an eligible non-stop Virgin Australia operated domestic Australian flight. The Economy X Upgrade Voucher is valid per single flight sector only.  The flight on which the Economy X Seat Upgrade Voucher is redeemed may be part of a multi-flight itinerary but the Economy X Seat Upgrade Voucher can be applied to only one flight sector.

    8. All Economy X Seat Upgrade Voucher redemptions are subject to availability and neither Virgin Australia nor Westpac guarantee that Economy X seats will be available on the flight you may wish to redeem on. Economy X 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.

    9. All travel is subject to the Virgin Australia Fare Conditions and Virgin Australia Conditions of Carriage as amended from time to time. No Velocity Points or Status Credits will be awarded for Economy X Seat Upgrade Voucher redemptions. 

    10. An Economy X Seat Upgrade Voucher cannot be redeemed on a Velocity Reward Seat redemption. 

    11. Tickets on which the Economy X Seat Upgrade has been redeemed may not be sold, transferred, endorsed, exchanged for cash or refunded (except as provided under the Australian Consumer Law). 

    12. Economy X standard Terms and Conditions apply, view the full Economy X Terms and Conditions at https://www.virginaustralia.com/eu/en/experience/on-board-the-flight/seat-selection/eligibility/

    13. Redemption Criteria:

     (a) Flight you wish to redeem your Economy X Seat Upgrade Voucher on must be purchased using your Altitude Velocity Platinum Mastercard or Altitude Velocity Black Mastercard. 

    (b) To redeem your complimentary Economy X Seat Upgrade Voucher, please contact Virgin Australia by calling 1300 038 373 with your flight booking details and Velocity Frequent Flyer membership number. 

    14. After an Economy X Seat Upgrade Voucher has been redeemed, any changes to the flight booking, including the Economy X seat, should be made via the Virgin Australia Guest Contact Centre. If you wish to cancel and/ or re-route and/ or change the time and/or date of a booked flight on which Economy X Seat Upgrade Voucher has been redeemed, please contact Virgin Australia by calling 1300 038 373. If you cancel and/ or re-route and/ or change the time and/ or date of a booked flight on which Economy X Seat Upgrade Voucher has been redeemed and an Economy X Seat is not available on your new flight, your voucher will be forfeited. 

    15. The Economy X Seat Upgrade Voucher Redemption Criteria is subject to change and Velocity Frequent Flyer reserve the right to amend the process from time to time. 

    16. If the flight on which you have redeemed your Economy X Upgrade Seat voucher is cancelled and/ or disrupted by Virgin Australia, you are entitled to a new complimentary Economy X Seat Upgrade Voucher, only if:

    (a) you were rebooked to another flight:

    (i) by Virgin Australia for operational reasons or because Virgin Australia cancelled your flight and Economy X was not provided on the other flight;

    (ii) because you missed your connecting flight after an inbound flight on Virgin Australia or its codeshare partners and you were not provided with an Economy X seat on the other flight;

    (b) Virgin Australia changed the aircraft and there were no Economy X seats available on the alternative aircraft

    (c) Virgin Australia used its right to assign or reassign your Economy X seat either before or after boarding for operational, safety, security or other reasons;

    (d) you were seated in an Exit Row, however were assigned a standard Economy seat because you no longer wanted to sit in an Exit Row or no longer meet the Exit Row Safety Conditions and Virgin Australia were unable to accommodate you in an alternate Economy X seat.

    (e)you were seated in an Economy X seat in an Exit Row and refuse to accept the Exit Row Safety conditions and Virgin Australia were unable to accommodate you in an alternate Economy X seat.

    (f). To receive your new complimentary Economy X seat upgrade voucher, please complete an Economy X Enquiry on the Virgin Australia Contact Us. Your new complimentary Economy X Voucher will then be applied to your Velocity Frequent Flyer membership account. 

    17. Westpac does not own or operate any airline or aircraft. Westpac is not liable for service deficiencies on the part of airlines or other service providers, including but not limited to: accidents, injuries, infections and illnesses; delays and diversions;

    changes in routes or itineraries; loss, theft or damage to possessions.

    18. These Economy X Seat Upgrade Voucher Conditions are governed by the laws of Queensland.

  • 1. Virgin Australia lounge is owned and operated by Virgin Australia Airlines Pty Ltd in selected domestic airports in accordance with Virgin Australia lounge Terms and Conditions, available at virginaustralia.com/lounge and as amended from time to time. You must be a member of the Velocity Frequent Flyer program to be eligible for Virgin Australia lounge passes.

    2. In these Lounge Pass 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 Westpac Altitude Velocity Black Mastercard primary cardholder with a Westpac Altitude Velocity card account
    • Complimentary lounge Pass means a single entry pass to the Virgin Australia domestic lounge at selected domestic airports 
    • Card means the Altitude Velocity Black Mastercard
    • Anniversary Year means the period starting on the date on which the Altitude Velocity Black Mastercard card 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 Black Mastercard with Westpac
    • Qualifying Spend means the spend criteria required by Westpac to become eligible for two complimentary single entry Virgin Australia lounge passes

    Other expressions which are used in these Complimentary Lounge Pass Conditions that are not defined here have the same meaning as in the Points Terms and Conditions, enclosed with this booklet.

    3. Eligibility:

    (a) You are entitled to two complimentary single entry passes to the Virgin Australia domestic lounge at selected airports per Anniversary Year of holding your eligible Westpac Altitude Velocity Black Mastercard account after meeting any annual spend and other criteria required by Westpac.  For spend and other criteria please refer to the Altitude Terms and Conditions. The complimentary single entry passes to the Virgin Australia lounge cannot be carried forward to any subsequent year.

    4. Each complimentary single entry pass to the Virgin Australia lounge is valid for 12 months for a single visit by one guest and cannot be

    renewed once expired.

    5. Virgin Australia lounges can be accessed when travelling on an onward domestic flight with Virgin Australia. Access to Virgin Australia lounges is not available when travelling internationally with Virgin Australia. Certain Virgin Australia guests and Gold Velocity members may be eligible to access the lounges of Virgin Australia and Velocity Airline Partners when travelling internationally. Premium Economy and Business fares travelling with Virgin Australia international short haul include access to lounges in Christchurch and Wellington international terminals. Please visit www.virginaustralia.com/lounge for more information, including current lounge locations.

    6. You may access Virgin Australia lounges a maximum of two hours prior to your Virgin Australia flight’s scheduled departure time.

    7. To redeem your complimentary single entry pass to Virgin Australia lounges you must present your Velocity membership card together with your flight itinerary or boarding pass for onward domestic travel with Virgin Australia.

    8. Entry of Members, Guests and Single Entry Visitors is at all times subject to space availability.

    9. Complimentary single entry passes to Virgin Australia lounge are valid for Virgin Australia owned and operated domestic lounges only and are not valid for partner airlines’ lounges or associated lounges and are subject to Virgin Australia lounge terms and conditions. For more information on the terms and conditions governing all aspects of the Virgin Australia lounge, please refer to virginaustralia.com/lounge

    10. Complimentary single entry Virgin Australia lounge passes are not redeemable for cash or other services provided by Virgin Australia Airlines Pty Ltd, and must not be sold in any way.

    11. Complimentary single entry Virgin Australia lounge passes are not transferable, but may be used to enable other people (who are travelling with you) to gain access to the lounge.

    12. Lost or stolen passes for Virgin Australia lounge will not be replaced.

    13. Please allow up to 10 business days after meeting the Qualifying Spend criteria on your Altitude Velocity Black Mastercard for your complimentary single entry Virgin Australia lounge passes to be processed on to the Velocity Frequent Flyer membership account.

    14. Complimentary single entry Virgin Australia lounge passes will be activated on the Velocity membership card associated with the Velocity membership number held by Westpac in relation to the c Altitude Velocity Black Mastercard cardholder.

    15. Altitude Velocity Black Mastercard primary cardholders can check the status of their complimentary single entry Virgin Australia lounge passes online by logging in to their Velocity Account at experience.velocityfrequentflyer.com

  • 3. Westpac Altitude Mastercard bonus points promotion: Receive 80,000 Velocity Points when you apply and are approved for a new Westpac Altitude Black Card between 17 June 2019 and 15 October 2019, and spend the minimum amount of $4,000 on eligible purchases on the Westpac Altitude Black Velocity Rewards Credit Card within 90 days of Card approval. Receive 60,000 Velocity Points when you apply and are approved for a new Westpac Altitude Platinum Card between 17 June 2019 and 15 October 2019, and spend the minimum amount of $3,000 on eligible purchases on the Westpac Altitude Platinum Card within 90 days of Card approval in one or more transactions. Eligible purchases do not include fees, cash, cash equivalent transactions, payments to the Australian Tax Office, BPAY, BPAY equivalent transaction, refunds and balance transfers debited from the card account. 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 Platinum, Earth Platinum Plus, Earth Black, Altitude Platinum or Altitude Black credit card 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. Velocity Membership Terms and Conditions apply, please visit velocityfrequentflyer.com for more information

    4. Rewards Points on the Westpac Altitude Mastercard: The earning and redemption of Velocity Points is subject to the Altitude Velocity Terms and Conditions. Purchases that are not eligible to earn Velocity Points are set out in the Altitude Rewards Terms and Conditions. For example: payments to the Australian Taxation Office, cash advances, BPAY and BPAY equivalent transactions do not earn Velocity Points. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances. An annual $50 Velocity Rewards fee applies for customers who choose to earn Velocity Points through the Altitude Velocity Rewards program.

    5. Westpac Altitude Black Mastercard Status Credits: Receive 50 Velocity Status Credits when you spend a minimum of $10,000 on eligible purchases on your Altitude Black Velocity Rewards credit card within the first 12 months from card approval. Eligible purchases do not include fees, cash, cash equivalent transactions, payments to the Australian Tax Office, BPAY, BPAY equivalent transaction, refunds and balance transfers. The Status Credits will be added to your Velocity account within 10 days once you meet the eligible spend criteria.  Existing Westpac customers who currently hold an Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months, are not eligible for this offer. Velocity Membership Terms and Conditions apply, please visit velocityfrequentflyer.com for more information. 

    6. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible Westpac cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the Westpac Credit Cards Complimentary Insurance Policy which may be amended from time to time. Westpac does not guarantee this insurance.

    7. Concierge Services: Concierge Services are subject to the Westpac Rewards Credit Cards Concierge Service Terms and Conditions.

  • 8. Bonus Rewards points for American Express Westpac Altitude Cards: Offer of only available to selected Westpac Altitude cardholders who apply online for the new American Express Westpac Altitude Card between 17 June 2019 and 15 October 2019, are approved and spend $3,000 on eligible purchases on their new Card within 90 days of Card approval. Bonus Points will be awarded to the eligible Card Member’s account 8-10 weeks after the spend criteria has been met. Card Members who currently hold or who have previously held any other American Express Westpac Altitude Card product issued by American Express Australia Limited in the preceding 18 month period are ineligible for this offer. Velocity Membership Terms and Conditions apply, please visit velocityfrequentflyer.com for more information.

    9. Velocity Points: To earn and redeem Velocity Points individuals must be an American Express Westpac Altitude Card Member and Velocity member. Membership of Velocity is the Card Member’s responsibility and is subject to the Velocity Membership Terms and Conditions as amended from time to time, available at velocityfrequentflyer.com/termsandconditions. Velocity Points are earned in accordance with the American Express Westpac Altitude Cards Points Terms and Conditions available at americanexpress.com/australia/altitude-points-t&c. Exclusions apply. Eligible purchases do not include cash advances, interest, balance transfers, fees and charges for travellers cheques and foreign currencies. These do not earn Velocity Points. For the full list of exclusions please refer to the American Express Westpac Altitude Cards Points Terms and Conditions.

    10. Velocity Status Credits: Receive 25 Velocity Status Credits when you opt in to earn Velocity Points, and spend a minimum of $3,000 on eligible purchases on your American Express Westpac Altitude Black Card within 90 days of Card approval. The Status Credits will be added to your Velocity account within 6 to 8 weeks once you meet the eligible spend criteria. Card Members who currently hold or who have previously held any other American Express Westpac Altitude Card product issued by American Express Australia Limited in the preceding 18 month period are ineligible for this offer. Velocity Membership Terms and Conditions apply, please visit velocityfrequentflyer.com for more information.

    11. American Express Lounge access: Entry into The American Express Lounges is governed by the full Terms and Conditions available at amex.com.au/airportlounge All entrants must adhere to the General Conditions of Entry. American Express Westpac Altitude Black card members are entitled to two entries per calendar year to the American Express Lounges, located at Sydney International Airport or Melbourne International Airport. The total entitlement of two entries per calendar year applies across both Sydney and Melbourne Airport Lounges. Complimentary access is available for the Card Member’s children between the ages of 2-17. Card Members wishing to bring additional guests may be subject to a charge that is to be processed on the Card Members American Express Card.

    12. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible American Express Westpac Altitude cardholders to claim under it as third party beneficiaries. You must use your American Express Westpac Altitude Card to prepay $500 of travel costs in order to be covered under the overseas travel insurance.  Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the American Express Westpac Altitude Card Insurance Policy (for American Express Westpac Altitude credit cards) which may be amended from time to time. Westpac does not guarantee this insurance.