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Your all-round, great value everyday low rate card

from 12.74% 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#

A 1% balance transfer fee applies.

0 % P.A.

for 24 months
on balance transfers
to Vertigo Platinum#

A 1% balance transfer fee applies.

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 1MB)

Credit Card Accounts Fees and Charges (PDF 478KB)

Credit Card Complimentary Insurance Terms and Conditions (PDF 215KB)

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 This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

#Balance Transfer promotion: Available when you apply for a new Vertigo, Vertigo Platinum, No Annual Fee or Amplify credit card between 19th April 2018 and 26th September 2018, 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% of the transferred balance(s) will be charged to the account on the same day the balance(s) are debited to the account (excluding Amplify balance transfers). The applicable variable cash advance rate will apply to balance(s) transferred but left unpaid at the end of the promotional period. 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 do not apply to credit cards with balance transfers.

1. AWP Australia Pty Ltd, ABN 52 097 227 177, AFSL 245631, of 74 High Street, Toowong, QLD 4066 (trading as Allianz Global Assistance) under a binder from the underwriter, 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), of 275 Kent Street, Sydney, NSW 2000 which allows eligible Bank of Melbourne account holders and cardholders to claim under it as third party beneficiaries. The terms, conditions, limits and exclusions of the group policy are set out in the Credit Card Complimentary Insurance Terms and which may be amended from time to time. Westpac does not guarantee the insurance. You can get a copy of the policy booklet by downloading the Credit Card Complimentary Insurance Terms and Conditions (PDF 215KB).