Vertigo Platinum Card

Important information

Conditions, fees and credit criteria apply.
This card is issued as a Visa card.

View the terms and conditions:

• Credit Card Conditions of Use
• Credit Card Accounts Fees and Charges
• Credit Card Complimentary Insurance Terms and Conditions (for claim events prior to 1 October 2017)
• Credit Card Complimentary Insurance Terms and Conditions (Effective 1 October 2017)  

Please refer to your Internet Banking, Mobile Banking or your monthly credit card statement for your current interest rates.

The information on our website is prepared without knowing your personal financial circumstances. Before you act on this information, please consider if it's right for you.

Switches, upgrades, or customers accessing employee benefits are ineligible. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

^#Balance Transfer promotion:

Available when you apply for a new Vertigo, Vertigo Platinum, No Annual Fee or Amplify credit card during 21st September 2017 and 22nd November 2017 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 95% of your approved available credit limit) for the promotional period. Activating your card triggers the processing of the balance transfer. The applicable variable cash advance rate will apply to any unpaid balance transfer amount remaining at the end of the promotional period. 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). Interest free days do not apply to credit cards with balance transfers.

A balance transfer fee of 2% of the transferred balance(s) will be charged to the account on the same day the balance(s) are debited to the account.

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 BankSA 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 (for claim events prior to 1 October 2017).

Effective 1 October: AWP Australia Pty Ltd, ABN 52 097 227 177, AFSL 245631, of 74 High Street, Toowong, QLD 4066 (trading as Allianz Global Assistance) under a binder from the underwriter, 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), of 275 Kent Street, Sydney, NSW 2000 which allows eligible BankSA 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 downloading the Credit Card Complimentary Insurance Terms and Conditions (effective 1 October 2017).

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.

6. Emergency dental is limited to A$2,000 per person and bed care patient allowance is limited to a total of A$15,000 (A$100 per day, e.g. miscellaneous expenses such as phone calls and TV rental). Note: No cover for pre-existing medical conditions, unless automatically covered as listed in the ‘Pre-existing medical conditions’ section of this booklet or prior approval given and the administrative fee is paid.

7. Up to A$20,000 per person and up to a maximum A$30,000 for a family subject to the limits detailed in our Credit Card Complimentary Insurance Terms and Conditions (for claim events prior to 1 October) and Credit Card Complimentary Insurance Terms and Conditions (effective 1 October 2017). However property and personal goods left unattended in a motor vehicle are only insured up to A$5,000 in total.

8. “Special event” means a wedding, funeral, pre-paid conference, pre-paid sporting event or pre-paid concert, or other event which does not ordinarily occur on a regular basis which before you left Australia you had planned to attend. We reserve the right to determine if any other event other than those listed above qualifies as a special event.

9. Per person, to a limit of a spouse and one dependent child. Cardholders must purchase a return ticket and be under 80 years old. Further eligibility criteria may apply. Read all criteria in our Credit Card Complimentary Insurance Terms and Conditions (for claim events prior to 1 October) and Credit Card Complimentary Insurance Terms and Conditions (effective 1 October 2017).

10. Provided the Australian warranty is for a period of six months or more up to a period of five years and the relevant item has a manufacturer’s unique identification serial number on it. The insurance does not affect the rights of cardholders against a manufacturer in relation to contravention of statutory or implied warranties under Australian legislation.

11. The scheme guarantees the cardholder the best price if the cheaper personal good has been advertised after the initial purchase in a printed catalogue from a store within 25 kilometres of the store from where the personal good was purchased and the price difference is greater than $75. The scheme will refund a price difference of up to $300.

12. Three additional cards can be issued on the primary cardholder's credit card account to any nominated person 16 or older provided the account is not a joint account. All transactions using an additional card will be the responsibility of the primary cardholder.