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Why Vertigo Platinum?

A credit card with our lowest purchase rate plus insurance

12.99% 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

Easy, secure and a fast way to pay with Apple Pay

Enjoy all the benefits of your eligible BankSA Visa card using Apple Pay. It’s the easy, secure, and fast way to pay. Learn more

Features

Up to 55 days

Interest free on purchases when you pay the Closing Balance (or the Monthly Payment Balance with a balance transfer) on time.

Extended warranty

Complimentary extended warranty insurance on purchases of personal goods charged entirely to your eligible credit card for up to 12 months on the manufacturer's expressed Australian warranty.1

Price guarantee

Cover of up to $300 on eligible purchases of personal goods charged entirely to your eligible credit card in Australia.1

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.

Rates

  • 12.99% p.a. variable interest rate on purchases
  • 21.49% 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
  • $0 Card replacement fee within Australia ($52.50 outside Australia; $45 emergency replacement fee)

Complimentary services

  • 24/7 fraud monitoring
  • Phone and Internet Banking
  • Automatic repayment plan
  • SMS and email alerts
  • Visa payWave contactless payments for transactions under $200^

Before you apply

To improve the likelihood your application is approved and in a timely manner, please read this section carefully before applying.

  • You’re aged 18 or over
  • You’re an Australian citizen or have a permanent residency visa
  • You have a regular, verifiable income
  • You have a residential address in Australia.

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.
Important information
Conditions, fees and credit criteria apply. This card is issued as a Visa card. Before making a decision read the Terms and Conditions and consider if the product is right for you. 

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.

^As at 7 April 2020, the contactless transaction limit has been temporarily increased from $100 to $200. This is a temporary increase that is progressively being rolled out and will be only available on certain BankSA cards and payment terminals at certain retailers. Customers are encouraged to follow the prompts at each terminal to determine whether a PIN is required. This increase to the contactless limit is part of an industry-wide response to help reduce the spread of COVID-19.

1. Complimentary 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 BankSA account holders and 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 1MB) which may be amended from time to time. Westpac does not guarantee this insurance.

Read the Apple Pay Terms and Conditions (PDF 58KB) before making a decision and consider if it is right for you. To use Apple Pay you will need an eligible card, and a compatible device with a supported operating system. See our Apple Pay FAQs for more information. Apple, the Apple logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.