Virgin Australia Velocity High Flyer Credit Card vs Westpac Altitude Velocity Platinum
Compare Virgin Australia Velocity High Flyer Credit Card, Westpac Altitude Velocity Platinum side by side: annual fees, interest rates, rewards and eligibility to find the right card for you.
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Virgin MoneySignature •••• •••• •••• •••• Credit Card CompareVisa Virgin Australia Velocity High Flyer Credit Card | WestpacPlatinum •••• •••• •••• •••• Credit Card CompareMastercard Westpac Altitude Velocity Platinum |
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Card details
CardIQ
How we calculate scores| Overall | 41Fair | 43Fair Highest |
|---|---|---|
| Airport lounge | 33/100 | – |
| Balance transfer | 60/100 | – |
| Frequent flyer | 38/100 | 40/100Highest |
| Rewards | 33/100 | 37/100Highest |
| Sign-up bonus | 53/100 | 55/100Highest |
| Travel | 31/100 | – |
| Velocity Points | 38/100 | 40/100Highest |
The basics
| Card tier | Signature | Platinum |
|---|---|---|
| Card type | Visa | Mastercard |
| Credit rating | Good | Good |
| Rewards program | Velocity Frequent Flyer | Velocity Frequent Flyer |
| Credit limit | $15,000 – $100,000 | $3,000 – $50,000 |
Eligibility
| Minimum age | 18 years old | 18 years old |
|---|---|---|
| Minimum income | $75,000 p.a. | $30,000 p.a.Lowest |
| Residency | Australian citizen or permanent resident | Australian citizen or permanent resident |
| Joint application | No | No |
| Temporary residents | Eligible | Not eligible |
| Instant approval | No | Yes (~60 seconds) |
Repayments
| Interest-free period | Up to 44 days | Up to 45 daysHighest |
|---|---|---|
| Minimum repayment | 2% of the closing balance or $25, whichever is greater | 2% of the closing balance or $10, whichever is greater |
How much could you save?
Enter your balance and current rate to see your estimated saving for each card below.
Balance transfers
| Promotional rate | 0% p.a. | — |
|---|---|---|
| Period | 24 months | — |
| Transfer fee | 3% | — |
| Limit | Up to your available credit limit | — |
| Revert rate | 21.99% p.a. | — |
| Can't transfer from | Virgin Money | — |
| Estimated saving | $1,850over 24 mths | – |
Rates & fees
Ongoing interest rates
| Purchases | 21.99% p.a.Lowest | 23.98% p.a. |
|---|---|---|
| Cash advances | 21.99% p.a.Lowest | 23.99% p.a. |
Fees
| Annual fee | $349 p.a. | $175 p.a.Lowest |
|---|---|---|
| Monthly fee | — | — |
| Additional cardholder fee | $89 | $0Lowest |
| Cash advance fee | 2.7% of the amount | 3.5% of the amount |
| Foreign transaction fee | 3% | 3% |
| Late payment fee | $30 | $20Lowest |
Rewards
How many points could you earn?
Enter your monthly spend to see estimated annual points for each card below.
Earn rate
| Everyday spend | 0.75 pts per $1 up to $8,000 per statement period | None |
|---|---|---|
| Bonus categories | None | 0.5 pts per $1 in bonus categories |
| Other purchases | None | 0.33 pts per $1 on other purchases, up to $5,000 per statement period |
| Overseas spend | None | 0.75 pts per $1 on overseas spend |
| ATO/government | None | None |
| Reduced rate above monthly cap | 0.5 pts per $1 above $8,000 per statement period | 0.2 pts per $1 above $5,000 per statement period |
| Points cap | Uncapped | Uncapped |
| Points expiry | — | Points don't expire while your account is open and in order. |
| Estimated annual points | 127,000 ptsWorth $1,270Highest | 111,880 ptsWorth $1,119 |
Sign-up bonus
| Sign-up bonus | 100,000 points | 100,000 points |
|---|---|---|
| Bonus spend required | — | — |
Related comparisons
Sources
- Credit Card Compare
- How CardIQ scores cards
- Issuers
- Virgin MoneyWestpac
- Program
- Velocity Frequent Flyer