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Vertigo Platinum credit card (no longer for sale)

Latest Information

Our Vertigo Platinum card is no longer available for sale. Here's a full list of our available credit cards.

If you currently have a Vertigo Platinum card, nothing has changed. All benefits, features and fees outlined on this page still apply.

Key Rates & Fees

  • Annual card fee: $99
  • Variable purchase rate: 12.99% p.a.
  • Variable cash advance rate: 21.49% p.a.
  • Interest free days on purchases: Up to 55 days on purchases only1
  • Minimum credit limit: $6000
  • Minimum repayments: 2% of the closing balance outstanding, or $10; whichever is greater. If the closing balance is less than $10, it must be paid in full.

Features

  • Complimentary Insurance: Get interstate flight inconvenience insurance, up to 6 months’ complimentary cover for overseas travel insurance, plus extended warranty, purchase security for up to 4 months’ and transit accident insurance. Subject to the conditions in the Credit Card Complimentary Insurance Policy (PDF 421KB)2.
  • Complimentary additional cardholder: Add up to 3 cardholders (16 or over) for free, while keeping all the spend & points on the one account3
  • Fraud protection: Feel confident using our cards, with 24/7 fraud monitoringSecure Online Shopping Service, and the Bank of Melbourne Fraud Money Back Guarantee4.

What fees apply to this card?

  • Cash advance fee: 2% of each cash advance amount (minimum of $2.50 capped at $150 per transaction)
  • Foreign transaction fee: 3% of the Australian dollar value for transactions with merchants based overseas
  • Late payment fee: $15 fee applied for each late payment fee or missed payment
  • Dishonour fee: $9 for each dishonour of a payment under the Autopay automatic payment arrangement

 

The Detail

155 Days Interest Free: Receive up to 55 days interest free on your purchases if your account is paid in full by the due date shown each month (excluding any balance transfers and Plan&Pay instalments), this is called the Monthly Payment Balance on your statement.

2Complimentary 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 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 421KB) which may be amended from time to time. Westpac does not guarantee this insurance.

3An additional credit card can be issued on the primary cardholder's account to any nominated person 16 years or over. All transactions using the additional credit card will be the responsibility of the primary cardholder.

4Fraud Money Bank Guarantee: Our Bank of Melbourne Fraud Money Back Guarantee ensures that customers will be reimbursed for any unauthorised transactions provided that the customer has not contributed to the loss and contacted Bank of Melbourne promptly. Refer to the Credit Card Terms and Conditions (PDF 264KB) for full details, including when a customer will be liable.