Why Vertigo Platinum?
A credit card with our lowest purchase rate plus insurance and concierge
Up to 55 days
Interest free when you pay the closing balance by the statement due date each month. Note: interest free days don't apply to balance transfers.
Complimentary extended warranty insurance on purchases of personal goods charged entirely to your eligible credit card for up to 12 months on the manufacturer's expressed Australian warranty.1
Cover of up to $300 on eligible purchases of personal goods charged entirely to your eligible credit card in Australia.1
24/7 concierge service
Round-the-clock access to Visa Platinum Concierge.2
Up to 3 extra cards
For additional cardholders aged 16 or over at no extra cost, provided the account isn't a joint account. Additional card transactions are the responsibility of the primary account holder.
0 % P.A.
26 months on
A 2% balance transfer fee applies at the time of transfer. The variable cash advance rate will apply after the promotional period.
annual card fee
for the first year.
12.74% p.a. variable interest rate on purchases
19.49% p.a. variable cash advance interest rate
2% of each cash advance amount (minimum of $2.50 capped at $150 per transaction)
3% of the Australian dollar value for transactions with merchants based overseas
$0 Annual card fee^ for the first year ($99 usually)
$15.00 Fee applied for each late payment or missed payment
$9.00 For each dishonour of a payment under the automatic payment plan
$0 Card replacement fee within Australia ($52.50 outside Australia; $45 emergency replacement fee)
Linking to St.George bank account
24/7 fraud monitoring
Phone and Internet Banking
Automatic repayment plan
SMS and email alerts
Visa payWave contactless payments for transactions under $100
How to apply for a credit card
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.
Switches, upgrades, or Westpac Group staff are ineligible. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.
^First Year Fee Waiver: The first year fee waiver promotion is available when you apply for a new Vertigo Platinum credit card between 24th January 2019 and 22nd May 2019. The first annual card fee at the special promotional rate will be debited to your card account on your first transaction and the full annual card fee will be debited annually thereafter.
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 Bank of Melbourne 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 which may be amended from time to time. Westpac does not guarantee this insurance.
2. Visa Platinum/Concierge (“Concierge”) is serviced by a third party supplier. By accessing or using the Concierge, or attempting to do so, you are deemed to have understood and agreed to the terms of usage.