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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.

Special offers


0 % P.A.

for
26 months on
balance transfers#

A 2% balance transfer fee applies at the time of transfer. The variable cash advance rate will apply after the promotional period.

$0

annual card fee
for the first year.
$99 thereafter.^

Rates

  • 12.74% 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

  • $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 BankSA 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.

Conditions, fees and credit criteria apply.

This card is issued as a Visa card.

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.

^First Year Fee Waiver: The first year fee waiver promotion is available when you apply for a new Vertigo Platinum or Amplify Platinum Rewards credit card between 27th September 2018 and 23rd January 2019. The first annual card fee at the special promotional rate will be debited to your card account on your first transaction and the full annual card fee will be debited annually thereafter.

1. 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 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 (PDF 1MB).

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.