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Why Vertigo?

An everyday card with a low annual card fee and purchase rate

$55
annual card fee.
13.74% p.a.
low variable interest rate on purchases.
19.49% p.a.
variable cash advance rate.

Features

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.
An extra card
For an additional cardholder 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.

and right now, an additional...


0 % P.A.

for 18 months on balance transfers#

Special offer

A 1% balance transfer fee applies at the time of transfer. The variable cash advance rate will apply after the promotional period. The offer is only applicable to balance transfers requested at card application.

Rates

  • 13.74% 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

Key fees

  • $55 Annual card fee
  • $15.00 Fee applied for each late or missed payment
  • $9.00 For each dishonour of a payment under the automatic payment plan
  • $15.00 Card replacement fee within Australia ($52.50 outside Australia; $45 emergency replacement fee)

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 $100

How to apply for a credit card

1.
You apply online in 10 minutes.
2.
We review your application and may ask for supporting documents.
3.
If approved, you'll receive all the information you need to activate and make the most of your new card.

The detail

Before making a decision, please read these documents to ensure you're aware of all fees, charges and interest rates.
Credit Card Conditions of Use
All you need to know about our cards.
Credit Card Accounts Fees and Charges
A complete list of card-related costs.
Shopping has never been this rewarding.

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 277KB)

Credit Card Accounts Fees and Charges (PDF 496KB)

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.