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COVID-19 and credit card applications

The impact of COVID-19 means we are experiencing long lead times to process the applications of those who do not currently have an account with us. Current customers may also experience delays. Please read the ‘Before you apply’ section on the individual card pages carefully before applying.

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 (or the Monthly Payment Balance with a balance transfer) on time.

Special offer


0 % P.A.

for 18 months on balance transfers to Vertigo#

Special offer

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

The Detail

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.

Key Facts Sheet

Credit Card Conditions of Use (PDF 344KB)

Credit Card Accounts Fees and Charges (PDF 478KB)

Credit Card Complimentary Insurance Terms and Conditions (PDF 239KB)

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 The promotions may be varied or withdrawn at any time and is not available in conjunction with any other promotion.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, Amplify Signature or Amplify Platinum credit card between 13th February 2020 and 2nd June 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. 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). If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the 'Monthly Payment Balance' listed on your statement of account (not the full closing balance) by the relevant payment due date.

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 239KB) which may be amended from time to time. Westpac does not guarantee this insurance.