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Why Vertigo Platinum?

A credit card with our lowest purchase rate plus insurance and concierge

12.74% p.a.
our lowest variable rate on purchases.
Travel insurance
complimentary for trips up to 6 months. (2)
Purchase insurance
up to 4 months cover against theft, loss or damage on selected purchases. (2)

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.
Extended warranty
Complimentary extended warranty insurance on purchases for up to 12 months on the manufacturer's expressed Australian warranty. (2)
Price guarantee
Cover of up to $300 on eligible purchases in Australia. If you find it cheaper within 21 days, you can claim the difference. (2)

24/7 concierge service
Round-the-clock access to Visa Platinum Concierge. (3)
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.

AND RIGHT NOW, AN ADDITIONAL...

0% p.a. for 12 months on balance transfers*

+

0% p.a. for up to 6 months on purchases^

 

Vertigo Platinum Card

Rates

12.74%
p.a. variable interest rate on purchases
21.49%
p.a. variable cash advance interest rate
2%
of each cash advance amount
3%
of the Australian dollar value for transactions with merchants based overseas

Key fees

$99.00
Annual card fee or $0 in the first year for existing customers 1
$15.00
Fee applied for each late payment 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

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.
Insurance Terms and Conditions
Learn how our card insurance works.

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.
Treat your family to premium rewards.

The Detail

Conditions, fees and credit criteria apply.

This card is issued as a Visa card.

Offers are not available in conjunction with any special offers that are not listed on www.bankofmelbourne.com.au. Switches, upgrades, customers accessing employee benefits or existing packaged cards are ineligible.

* Balance transfer promotion: Apply for a new Bank of Melbourne credit card between 21st February 2017 and 2nd May 2017 and you could pay 0% p.a. for 12 months on transferred balances. Simply ask to transfer up to 3 credit balances (min. $200, up to 95% of your approved available credit limit) from any non-St.George, Bank of Melbourne and BankSA Australian issued credit, charge or store cards. The balance transfer will be processed when your card is activated.

After 12 months, the variable purchase rate will apply to any balance left unpaid. Bank of Melbourne will not be responsible for any delays in processing payment to your other card account(s) and will not close them. Interest free days don’t apply to balance transfers and if you transfer a balance at any other time, the variable purchase interest rate applies.

^ Purchase rate promotion: Apply for a new Bank of Melbourne credit card between 21st February 2017 and 2nd May 2017 and you could pay 0% p.a. for 6 months from the day your card is approved. After 6 months, the rate will switch to the card's variable purchase rate which will also apply to any unpaid purchases.

1.  $0 annual fee in first year for existing Bank of Melbourne customers promotion: To be eligible for this promotion you must be an existing Bank of Melbourne customer that applies for a new Vertigo, Vertigo Platinum, Amplify, Amplify Platinum or Amplify Signature card by clicking on the Bank of Melbourne customers 'Apply now’ button on this page between 21st February 2017 and 2nd May 2017 and make your first purchase within 12 months from card approval. The first annual fee will be debited on the 12 month anniversary of the first transaction on your account and annually thereafter on the anniversary of the first annual fee.

2. QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 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 Conditions, which may be amended from time to time. Westpac does not guarantee the insurance. You can get a copy of the policy booklet by calling 13 13 76 or download the Credit Card Complimentary Insurance Terms and Conditions (PDF 269KB).

3. 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.