Velocity Points Credit Cards

EARN Up to 90,000 Bonus Points

Plus reduced annual card fees for the first year when you take up the Altitude Platinum Bundle. Offer ends 30 January 2020. New cards only. $3,000 minimum spend applies on eligible purchases on each card within 90 days of card approval. T&Cs apply.

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Velocity Points earning credit cards

With these Velocity Points earning credit cards, Velocity Points earned on your everyday spend are automatically loaded into your Velocity account each month. Take a look at these cards below and choose the credit card that best suits you.

VIRGIN MONEY

VIRGIN AUSTRALIA
VELOCITY HIGH FLYER CARd

✓ Earn up to 100,000 bonus Velocity Points - Earn 25,000 bonus Points for every month $3,000 or more is spent on Eligible Transactions for the first 3 months from card approval (capped at 75,000 Points). Plus receive an additional once off bonus of 25,000 Points after the first card anniversary¹.

✓ Earn up to 1 Velocity Point per $1 spent².

✓ Enjoy an exclusive $129 Virgin Australia Gift Voucher³ each year. Spend criteria and T&Cs apply.

✓ Receive two complimentary Single Entry Virgin Australia domestic Lounge passes⁴, each year.

✓ All this value and more for an annual fee of $289.

Apply by 24 February 2020

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VIRGIN AUSTRALIA
VELOCITY FLYER CARD

✓ Earn up to 70,000 bonus Velocity Points - Earn 20,000 bonus Points for every month $1,500 or more is spent on Eligible Transactions for the first 3 months from card approval (capped at 60,000 Points). Plus receive an additional once off bonus of 10,000 Points after the first card anniversary⁵.

✓ Earn up to 0.66 Velocity Points per $1 spent².

✓ Enjoy an exclusive $129 Virgin Australia Gift Voucher³ each year. Spend criteria and T&Cs apply.

✓ Half the annual fee in your first year – that’s just $64, then $129 thereafter.

Apply by 24 February 2020

Find out more

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Westpac

American Express^® Westpac Altitude
Black Card Bundle

ALTITUDE BLACK MASTERCARD

✓ 80,000 bonus Velocity Points when you apply, are approved and spend $4,000 on eligible purchases within 90 days of card approval. Offer ends31 March 2020³.

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

✓ 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 $50⁴

American Express^® Westpac altitude Black Card

✓ 20,000 bonus Velocity Points when you apply, are approved and spend $3,000 on eligible purchases within 90 days of card approval. Offer ends 31 March 2020⁷

✓ 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 Office⁸

✓ Two complimentary visits each year to the American Express® Airport Lounge at either Sydney or Melbourne International Airports⁹

✓ Overseas travel insurance, purchase security insurance and extended warranty insurance¹⁰

✓ 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

✓ All this and more for an annual Card fee of $99 for the first year ($199 thereafter)¹¹

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Terms and Conditions

Amercian Express^® Westpac Altitude
Platinum Card Bundle

ALTITUDE PLATINUM MASTERCARD

✓ 75,000 bonus Velocity Points when you apply are approved and spend $3,000 on eligible purchases within 90 days of new card approval. Offer ends 30 January 2020³

✓ Earn up to 0.50 Points per $1 spent on eligible purchases, uncapped⁴

✓ 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 $150, plus an annual Altitude Velocity fee of $50⁴

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 30 January 2020⁸

✓ Earn 1.5 Points per $1 spent on eligible purchases 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 Office⁹

✓ Complimentary overseas travel insurance, purchase security insurance and extended warranty insurance¹¹

✓ 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.

✓ No annual fee for the first year ($49 thereafter)¹²

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Terms and Conditions

American Express

AMERICAN EXPRESS^®
VELOCITY PLATINUM CARD

✓ 100,000 bonus Velocity Points when you apply online by 12 February 2020, are approved, and spend $3,000 in the first 3 months⁸.

✓ The highest Velocity Points earn rate of any credit card in Australia - earn up to 2.25 Points per $1 spent⁹.

✓ A complimentary Virgin Australia return domestic flight¹⁰ and two complimentary Virgin Australia lounge passes each year¹¹.

✓ Receive 100 Velocity Status Credits, when you spend a minimum of $50,000 within your Card membership year¹².

✓ All these benefits and more for an annual fee of $375.

Find out more

AMERICAN EXPRESS^®
VELOCITY ESCAPE CARD

✓ $0 annual Card fee - so you can put more of your money towards your next escape.

✓ Earn up to 1.75 Points per $1 spent¹³.

✓ 0% p.a. on balance transfers for the first 12 months¹⁴. A one-off credit plan establishment fee of 1% applies.

✓ Purchase Protection and Refund Protection when you purchase the eligible item with your Card¹⁵, and fraud protection guarantee¹⁶.

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american express^®
velocity business card

✓ Earn up to 2 Points per $1 spent¹⁷.

✓ Two complimentary Virgin Australia lounge passes each year¹⁸.

✓ Complimentary Domestic and International Travel Insurance when you purchase travel on your Card¹⁹.

✓ All these benefits and more for an annual fee of $249.

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Terms & Conditions

Virgin Money

VIRGIN MONEY CREDIT CARDS

1. 100,000 bonus Velocity Points offer is available to new approved Virgin Australia Velocity High Flyer Card (“VAVHFC”) account holders who apply by 24 February 2020. 25,000 bonus Velocity Points will be awarded for every month $3,000 or more is spent on Eligible Transactions for 3 months from card approval (capped at 75,000 Points). Plus receive an additional once off bonus of 25,000 Velocity Points within 12 weeks of the first anniversary of the date your card was approved. Points will be forfeited if you close your Credit Card Account before they appear in your Velocity Account. The Account needs to be in good standing for Velocity Points to be awarded. 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, bank 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 Rewards Program for High Flyer and Flyer Cardholders Terms and Conditions for full details and definition. Please note that if you have a balance transfer, you will be charged interest on any spend you make. Points will be credited to the Primary Cardholders 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 VAVHFC account. Velocity membership and Points earn and redemption are subject to the Member Terms and Conditions, as amended from time to time. This offer can’t be used in conjunction with other VAVHFC promotions or offers. Offer is not available to existing Virgin Money Credit Card holders (including upgrades).

2. 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 statement period, then 0.5 Points per dollar spent on Eligible Transactions per 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 statement period, then 0.5 Points per dollar spent on Eligible Transactions per statement period thereafter. To earn and redeem Velocity Points, you must be a Velocity Frequent Flyer 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 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, bank 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 Rewards Program for High Flyer and Flyer Cardholders Terms and Conditions for full details and definition.

3. 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. 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, your account is active and in good order 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. 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.

5. 70,000 bonus Velocity Points offer is available to new approved Virgin Australia Velocity Flyer Card (“VAVFC”) account holders who apply by 24 February 2020. 20,000 bonus Velocity Points will be awarded for every month $1,500 or more is spent on Eligible Transactions for 3 months from card approval (capped at 60,000 Points). Plus receive an additional once off bonus of 10,000 Velocity Points within 12 weeks of the first anniversary of the date your card was approved. Points will be forfeited if you close your Credit Card Account before they appear in your Velocity Account. The Account needs to be in good standing for Velocity Points to be awarded. 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, bank 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 Rewards Program for High Flyer and Flyer Cardholders Terms and Conditions for full details and definition. Please note that if you have a balance transfer, you will be charged interest on any spend you make. Points will be credited to the Primary Cardholders 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 VAVFC account. Velocity membership and Points earn and redemption are subject to the Member Terms and Conditions, as amended from time to time. This offer can’t be used in conjunction with other VAVFC promotions or offers. Offer is not available to existing Virgin Money Credit Card holders (including upgrades).

Promoter: Virgin Money (Australia) Pty Limited ABN 75 103 478 897 ("Virgin Money") Credit Representative number 369377 promotes and distributes the Virgin Money Credit Cards ("Credit Cards") as an authorised credit representative of Bank of Queensland Limited ABN 32 009 656 740 (“BOQ”), Australian credit licence 244616. Citigroup Pty Ltd ABN 88 004 325 080 ("Citibank") AFSL/Australian credit licence 238098 is the credit provider and issuer of the Credit Cards. BOQ does not and will not guarantee or otherwise support Citibank's obligations under the contracts or agreements connected with the Credit.
American Express

American Express Velocity Platinum Card

Cards are offered, issued and administered by American Express Australia Limited. Credit provided by American Express Australia Limited (ABN 92 108 952 085). Australian Credit Licence No.291313. ®Registered Trademark of American Express Company. Applicants must be 18 years of age or over, and reside in Australia. American Express income and credit approval criteria apply. Subject to Terms and Conditions. Interest rates, fees and charges apply. All information, is correct as at 20 June 2019 and are subject to change.

8. Bonus & Eligibility: The 100,000 bonus Velocity Points offer is only available to new American Express Card Members who apply online for the American Express Velocity Platinum Card by 12 February 2020, are approved and spend $3,000 on eligible purchases on their new Card in the first 3 months from the Card approval date. 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. Previous and existing bank-issued American Express companion cardholders are eligible for this offer (cards issued by: Australia New Zealand Banking Group Limited, Commonwealth Bank of Australia, National Australia Bank, Westpac Banking Corporation). Eligible purchases do not include cash advances, interest, balance transfers, fees and charges for traveller’s cheques and foreign currencies. The bonus Velocity Points will be awarded to the eligible Card Member’s Velocity account 8-10 weeks after the spend criteria has been met. An annual Card fee of $375 applies. This advertised offer is not applicable or valid in conjunction with any other advertised or promotional offer.

9. As long as your account remains current and in good standing. Velocity Points are earned in accordance with the American Express Velocity Card Points Terms and Conditions. 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. Earn 1.25 Points per $1 spent on eligible purchases and 2.25 Points per $1 spent on Virgin Australia purchases made in Australia. 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.

10. 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. Booking is subject to the American Express Velocity Platinum Card Benefits Terms and Conditions and travel is subject to Virgin Australia Conditions of Carriage.

11. Virgin Australia lounge entry passes are subject to the American Express Velocity Platinum Card Benefits Terms and Conditions. Two Single Entry passes to the Virgin Australia lounge will be activated on the Basic Card Member's Velocity Membership Card annually on or after each annual Card fee renewal date. 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, and as amended from time to time.

12. 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 Escape Card

Cards are offered, issued and administered by American Express Australia Limited. Credit provided by American Express Australia Limited (ABN 92 108 952 085). Australian Credit Licence No. 291313. ®Registered Trademark of American Express Company. Applicants must be 18 years of age or over, and reside in Australia. American Express income and credit approval criteria apply. Subject to Terms and Conditions. Interest rates, fees and charges apply. All interest rates are quoted as an Annual Percentage Rate. All information, including fee, charges and interest rates, is correct as at 10 January 2019 and are subject to change.

13. 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. 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. Earn 0.75 Point per $1 spent on eligible purchases and 1.75 Points per $1 spent on Virgin Australia purchases in Australia. 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.

14. Offer not available for Card Members who currently hold or who have previously held any other Card product offered by American Express Australia Limited in the preceding 60 day period. Balances may not be transferred from another Credit Card issued by American Express Australia Limited. The promotional balance transfer rate will be eligible for 12 months from the date the Card is approved, after which any remaining balance will revert to the standard rate of interest at that time. The credit plan establishment fee attracts the standard rate of interest. Interest free days do not apply to Balance Transfer balances, and you may be charged interest on other purchases and fees if you do not pay your Closing Balance (including any outstanding balance transfers), in full by the due date each month. We reserve the right to withdraw this offer if your account is not in good standing or we become aware of any adverse credit information. View full Balance Transfer Terms and Conditions.

15. The American Express Velocity Escape Card insurance is subject to terms, conditions and exclusions - see the full Terms and Conditions. You must use your American Express Velocity Escape Card to pay for eligible items in order to be covered under the insurance. The insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) under a group policy held by American Express International, Inc. (ABN 15 000 618 208, AFSL No. 237996). Card Members are not a party to the group policy, but may be able to claim under it as third party beneficiaries. This landing page does not take into account your objectives or financial situation. You should read the full Terms and Conditions to decide if this insurance meets your needs.

16. Provided that you notify us immediately upon discovery of any fraudulent transactions and you have complied with your Card Member Agreement, you will not be held liable for any unauthorised charges.

American Express Velocity Business Card

Cards are offered, issued and administered by American Express Australia Limited. Credit provided by American Express Australia Limited (ABN 92 108 952 085). ®Registered Trademark of American Express Company. Applicants must be 18 years of age or over, reside in Australia and earn a minimum income of $24,000 per annum to apply for the American Express Velocity Business Card. American Express approval criteria applies. Subject to Terms and Conditions. Fees and charges apply. All information, including fees and charges are correct as at 10 January 2019 and are subject to change.

17. 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 cash advances, 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 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. 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. 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.

18. Virgin Australia lounge passes are subject to the American Express Velocity Business Card Benefits Terms and Conditions. Two Single Entry passes to the Virgin Australia lounge will be activated on the Basic Card member's Velocity membership card annually on or after the anniversary of membership. 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 and entry is subject to the Virgin Australia Lounge Terms and Conditions and Lounge Rules, as amended from time to time.

19. American Express Card Insurances are subject to terms, conditions and exclusions. The complimentary travel insurance cover is also subject maximum age limits, pre-existing medical conditions and limits and is available when you use your American Express Velocity Business Card to pay for return domestic or international travel. American Express Card Insurances are underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) (“Chubb”) and are subject to the terms, conditions and exclusions contained in the American Express Card insurances policy of insurance between American Express International, Inc. (ABN 15 000 618 208, AFSL No. 237996) (“AEII”) of 12 Shelley Street, Sydney 2000 and Chubb. The Insurance Terms and Conditions do not take into account your objectives, financial situation or needs. Terms and Conditions are subject to change. It is important for you to read the Terms and Conditions and consider the appropriateness of that insurance in relation to your individual requirements.
Westpac
TERMS AND CONDITIONS

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 transfers. 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 Membership Terms and Conditions, as amended from time to time.

Westpac Altitude Velocity Platinum Mastercard and Westpac Altitude Velocity Black Mastercard Economy X Seat Upgrade Voucher Conditions

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.

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.

Westpac Altitude Velocity Black Mastercard Lounge Pass Conditions

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 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

Westpac Altitude Black Mastercard and Westpac Altitude Platinum Mastercard

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 16 October 2019 and midnight 31 March 2020, and spend the minimum amount of $4,000 on eligible purchases on the Westpac Altitude Black Velocity Credit Card within 90 days of Card approval. Receive 75,000 Velocity Points when you apply and are approved for a new Westpac Altitude Platinum Card between 26 November 2019 and midnight 30 January 2020, 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 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.

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. 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.

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

American Express Westpac Altitude Black Card and American Express Westpac Altitude Platinum Card

7. Bonus Velocity Points for American Express Westpac Altitude Black Cards: Offer only available to Westpac Altitude cardholders who apply online for a new American Express Westpac Altitude Black Card between 16 October 2019 and 31 March 2020, 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.

8. Bonus Velocity Points for American Express Westpac Altitude Platinum Cards: Offer only available to Westpac Altitude cardholders who apply online for a new American Express Westpac Altitude Platinum Card between 26th November 2019 and 30th January 2020, are approved and spend $3,000 on eligible purchases on their new Card within 90 days of Card approval date. Bonus Points will be awarded to the eligible Card Member’s account 8-10 weeks after the spend criteria have 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.

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. American Express Lounge access: Entry into The American Express Lounges is governed by the full Terms and Conditions. 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.

11. 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.

12. First Year Annual Card Fee Waiver disclaimer: The American Express Westpac Altitude Platinum Card will have a $0 introductory annual Card fee for the first year of Card Membership. After the first year, the annual Card fee will be $49 per year and is payable on the anniversary of card approval. Offer only available to American Express Westpac Altitude Platinum Card Members who apply between 26 November 2019 and 30 January 2020 and are approved.

13. Reduced First year Annual Card Fee: The American Express Westpac Altitude Black Card will have a $99 introductory annual Card fee for the first year of Card Membership. After the first year, the annual Card fee will be $199 per year and is payable on the anniversary of card approval. Offer only available to American Express Westpac Altitude Black Card Members who apply between 16 October 2019 and 31 March 2020 and are approved.