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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.1
Purchase insurance
up to 4 months cover against theft, loss or damage on selected purchases.1

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.1

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.1

24/7 concierge service

Round-the-clock access to Visa Platinum Concierge.2

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 20 months on balance transfers

Special offer

Apply for a new Bank of Melbourne credit card between 3rd May 2017 and 20th September 2017 and you could pay 0% p.a. for 20 months on balances transferred from up to 3 cards issued by banks other than Bank of Melbourne, St.George and BankSA.

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 Annual card fee
  • $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

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.
Insurance Terms and Conditions
Learn how our card insurance works.
Treat your family to premium rewards.

Conditions, fees and credit criteria apply.

This card is issued as a Visa card.

1. 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).

2. 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.