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Your all-round, great value everyday low rate card

from 12.99% p.a.
Low variable interest rate on purchases.
from $55 p.a.
Low annual card fee
Up to 55 days
Interest free on purchases when you pay the closing balance by the statement due date each month. Excludes balance transfers.

Special offer


0 % P.A.

for 18 months
on balance transfers
to Vertigo#

Plus, no balance transfer fee. Requested at card application, the variable cash advance rate will apply after the promotional period.

0 % P.A.

on purchases
for 15 months~

Pay 0% p.a. interest on purchases for 15 months from card approval. ~

Important information

Conditions, fees and credit criteria apply.

This card is issued as a Visa card.

Before making a decision, it's best to read the terms and conditions.

Credit Card Conditions of Use (PDF 591KB)

Credit Card Accounts Fees and Charges (PDF 144KB)

Credit Card Complimentary Insurance Terms and Conditions (PDF 328KB)

Please read these documents and keep a copy. You can request a paper copy at a branch.

Switches, upgrades, or Westpac Group staff are ineligible. The promotions may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

#Balance Transfer Promotion: The promotional balance transfer rate is available when you apply and are approved for a new Vertigo, No Annual Fee, Amplify Signature or Amplify Platinum credit card between 3rd October 2019 and 12th February 2020, and request at card application to transfer balance(s) from up to 3 non-St.George, Bank of Melbourne and BankSA Australian issued credit, charge or store cards. The rate will apply to balance(s) transferred (min $200 up to 80% of your approved available credit limit) for the promotional period, unless the amount is paid off earlier. Card activation will trigger the processing of the balance transfer. A balance transfer fee of 1% will apply to balance(s) transferred to a new No Annual Fee credit card and will be charged to the card account on the same day the balance(s) are debited to the account. No balance transfer fees apply to Vertigo, Amplify Signature or Amplify Platinum credit cards. At the end of the promotional period, the applicable variable cash advance rate will apply to any outstanding transferred balance(s). We will not be responsible for any delays that may occur in processing payment to your other card account(s) and will not close the account(s). Interest free days on purchases do not apply to credit cards with balance transfers. You will be charged the applicable purchase rate on any spend that you make whilst you have an outstanding balance transfer.

~Purchase Rate Promotion: The special promotional rate of 0% p.a. on purchases for 15 months applies from card approval when you apply for a new Vertigo Platinum credit card between 3rd October 2019 and 12th February 2020. After 15 months, the introductory purchase rate will switch to the variable purchase rate then applicable to your card account.

**Discounted First Year Fee: The discounted first year annual card fee promotion is available when you apply for a new Amplify Platinum (and elect to link your card account to the Amplify Rewards program), Vertigo Platinum or Amplify Signature credit card between 3rd October 2019 and 12th February 2020. The first annual card fee at the reduced rate will be debited from your card account on your first transaction and the full annual card fee, will be debited annually thereafter. Credit criteria, fees and charges apply.

1.  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 St.George account holders and 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 Credit Card Complimentary Insurance Terms and Conditions (PDF 328KB) which may be amended from time to time. Westpac does not guarantee this insurance.