Applied for this credit card back in June. They lost my application and required me to go through a number of very inconvenient steps more than once because of an error on their end. Card is okay for everyday use, but don't plan on taking it overseas.

Overall, quite happy with this card. I signed up during a promo period. My applicaiton got bounced around for a while and there was a lot of confusion on their end. Eventually, when it arrived, it turned out to be pretty decent. However, do not use for overseas purchases or foreign transactions as there is a steep fee.

High credit limit Got an initial bonus of 80000 velocity points for 4000 spend in first three months.
Free travel insurance.
There is also 2 lounge pass if you do a transaction in velocity site.
The only downside is the foreign transaction fee.

Great credit card for everyday use. Simple and easy to apply with great rewards and extra velocity points each month. Overseas transaction fee is annoying though - so local use only.

I am really excited about the recent changes to my existing Altitude Black card, now giving me access to Westpac's dedicated Velocity Frequent Flyer program. Previously, I opted into the Velocity auto-redemption feature through Altitude Rewards which only gave me 1 point for every $2 spend. Under the new program, I now have access to a number of free Virgin Australia Airport Lounge passes (issued annually), upgrades to premium economy and a better points earn rate (now 0.75 Velocity points per $1 spent).

I have automatic transfer on my Black Altitude card which means my Velocity points go up each month. I find this a much better way to utilise my points rather than redeem for products.
I also use the free travel insurance which comes with the card when I go overseas, just make sure you meet all of the criteria to validate your insurance, which they will talk you through if yo do it over the phone.