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Vertigo Platinum Card

Get a $300 Cashback

To your account when you open a new Vertigo Platinum credit card and spend $900 or more on eligible purchases within 90 days from card approval.#

12.99% p.a.

Our lowest ongoing variable interest rate on purchases.

Up to 55 days

Interest free on purchases when you pay the Closing Balance (or the Monthly Payment Balance with a balance transfer) on time.

Overseas Travel insurance

On trips up to 6 months which may include your spouse and/or dependent children, including medical expenses, unexpected cancellation and rental vehicle excess when you satisfy the eligibility criteria.1

Purchase security insurance

Up to 4 months complimentary cover against theft, loss or accidental damage on selected personal goods purchased using the card1

Extended warranty

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

Easy, secure and a fast way to pay with Apple Pay

Enjoy all the benefits of your eligible Bank of Melbourne Visa card using Apple Pay. It’s the easy, secure, and fast way to pay. Learn more

Vertigo Platinum credit card

Key rates and fees

  • $99 annual card fee
  • 12.99% p.a. low variable interest rate on purchases
  • 21.49% p.a. variable cash advance rate

Complimentary services

  • Linking to Bank of Melbourne bank account
  • 24/7 fraud monitoring
  • Phone and Internet Banking
  • Automatic repayment plan
  • SMS and email alerts
  • Visa payWave contactless payments for transactions under $200^

Before you apply

To improve the likelihood your application is approved and in a timely manner, please read this section carefully before applying.

  • You’re aged 18 or over
  • You’re an Australian citizen or have a permanent residency visa
  • You have a regular, verifiable income
  • You have a residential address in Australia.
The Detail

Internet Banking and Phone Banking Terms and Conditions (PDF 576KB)

Conditions, fees and credit criteria apply. This card is issued as a Visa card. Before making a decision read the Terms and Conditions and consider if the product is right for you. 

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 This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

This offer is only available to customers who apply via this website (offer not available in branch or via call centres) and are approved for a new Vertigo Platinum credit card between 4th November 2020 and 30th March 2021.

#Cashback promotion: The cashback offer is available when you apply and are approved for a new Vertigo Platinum credit card between 4th November 2020 and 30th March 2021, and spend $900 or more on eligible purchases within 90 days from card approval. Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, payments to the Australian Tax Office, government charges, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited to the card account. Only one cashback will be paid per customer. $300 cashback will be paid as a statement credit to your Vertigo Platinum credit card account within 60 days of meeting the minimum spend criteria. Existing St George, Bank of Melbourne or BankSA customers who currently hold a Vertigo Platinum credit card, or who have held one in the last 12 months, are not eligible for this offer.

^As at 7 April 2020, the contactless transaction limit has been temporarily increased from $100 to $200. This is a temporary increase that is progressively being rolled out and will be only available on certain Bank of Melbourne cards and payment terminals at certain retailers. Customers are encouraged to follow the prompts at each terminal to determine whether a PIN is required. This increase to the contactless limit is part of an industry-wide response to help reduce the spread of COVID-19. 

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  Credit Card Complimentary Insurance Terms and Conditions (PDF 284KB) which may be amended from time to time. Westpac does not guarantee this insurance.

Read the Apple Pay Terms and Conditions (PDF 327KB) before making a decision and consider if it is right for you. To use Apple Pay you will need an eligible card, and a compatible device with a supported operating system. See our Apple Pay FAQs for more information. Apple, the Apple logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.