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Quick snapshot

An everyday card with a low rate on purchases, and a low annual card fee.

Bank of Melbourne Vertigo credit card
$55 Annual card fee
13.99% p.a. Variable interest rate on purchases
Up to 55 days Interest free on purchases1
$500 Minimum credit limit

See below for standard rates and fees.


 

Which offer works for you? Take your pick.

Up to $400 cashback on your supermarket shop<<

Get 5% cashback on your supermarket shop (up to $400 total cashback) at selected supermarkets including Coles, Woolworths, IGA, Harris Farm and Aldi. Cha-ching!

Plus, no card fee for the first year (saving $55)^^. 

Consider this card with the cashback offer if you would like to be rewarded for your supermarket spend.

Offer not available if you’ve held a Bank of Melbourne, St.George or BankSA credit card in the last 12 months.

0% p.a. interest on balance transfers for 32 months##

No balance transfer fee. The variable cash advance rate will apply after the promotional period. This 0% p.a. offer relates to balance transfers requested at card application. New cards only.

Plus, no card fee for the first year (saving $55)^^.

Consider this card with the balance transfer offer if you are looking to save monthly interest and pay off your credit card balances faster.

Enjoy cashback at these leading stores

Excludes Coles Express.

Here’s how to claim your cashback

Step 1.
Successfully apply for the Bank of Melbourne Vertigo credit card by 30th June 2022.
Step 2.
Pay for your shopping using your new Vertigo credit card at any eligible supermarket until 31st December 2022. 
Step 3.
You’ll receive 5% cashback as a statement credit on your Card Account within 30 days, each time you spend, up to a total maximum of $400.

Why you'll love the Vertigo card

Low interest rate

A useful benefit if you don’t think you’ll pay off your purchases in full each month.

Low minimum credit limit

If you haven’t used credit much before, or aren’t confident using it, the $500 minimum limit can help ensure your spend doesn’t get out of control.

Up to 55 days interest-free

That’s more time to pay your purchase balance and avoid interest charges on your purchases1. The interest-free days don’t cover cash advances.

Other reasons to choose

Add a second cardholder (16 or over) for free, while keeping all the spend on the one account2.



Key rates and fees

  • 13.99% p.a. variable interest rate on purchases
  • $55 annual card fee
  • 21.49% p.a. variable cash advance interest rate
  • $15 fee applied for each late payment or missed payment
  • 3% of each cash advance amount
  • 3% of the Australian dollar value for transactions with merchants based overseas

Before you apply

Follow this section to improve the likelihood your application is approved.

  • You’re aged 18 or over
  • You have permanent residency in Australia/NZ OR;
  • You’re a non-resident or migrant and hold an acceptable Visa, with a minimum 1 year before expiry
  • You have a regular, verifiable Australian taxable income
  • You have a fixed, verifiable residential address in Australia.
 
The Detail
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.

##Vertigo Balance Transfer Promotion: The promotional balance transfer rate is available when you apply and are approved for a new Vertigo credit card between 20th October 2021 and 30th June 2022, and request at card application to transfer balance(s) from up to 3 non-Bank of Melbourne, St.George and BankSA Australian issued credit, charge or store cards. The promotional rate will apply to balance(s) transferred (min $200 up to 80% of your approved available credit limit) for the promotional period, unless the amount is paid off earlier. Activating your card triggers the processing of the balance transfer. No balance transfer fees apply to a Vertigo credit card. The applicable variable cash advance rate will apply to any unpaid balance transfer amount remaining at the end of the promotional period. Bank of Melbourne 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). If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date.

^^Vertigo First Year Card Fee Waiver: The first-year card fee waiver is available when you apply and are approved for a new Vertigo credit card between 20th October 2021 and 30th June 2022. After the first year, the card fee will be debited to your account on the 12-month anniversary of the first transaction on your account and annually thereafter. 

<<Supermarket cashback offer: This cashback promotion is available when you apply and are approved for a new Vertigo credit card between 3rd March 2022 and 30th June 2022, then use it at a participating supermarket up to 31st December 2022. You will receive 5% cashback on each eligible spend at a participating supermarket, capped at maximum of $400 per card account. Cashback will be paid as a statement credit to your Vertigo credit card within 30 days of each eligible spend. Your credit card account must be open in order to receive the cashback. If your card is suspended or cancelled, the credit will not be applied. Cashback is only available on one credit card account per customer. This cashback does not form part of the account’s minimum monthly repayment. 

Participating Supermarkets: Each supermarket’s eligibility is based on its merchant classification. While most major and many independent supermarkets are participating, those not classified in the Supermarket and Grocers merchant category will not be participating. Examples of supermarkets not participating include: Coles Express, Costco, Metropolitan Fresh, wholesaler supermarkets and supermarkets attached to petrol stations.  

Spend Exclusions: Gift card or eGift card purchases at participating supermarkets are not counted as part of eligible spend. Eligible spend also excludes fees, cash, cash-equivalent transactions, third party payments such as AfterPay, BPAY, PayPal or PayPal equivalent.

Existing credit card customers who held a Bank of Melbourne, St.George or BankSA in the last 12 months, are not eligible for this offer.

55 Days Interest Free: Receive up to 55 days interest free on your purchases if your Monthly Payment Balance is paid in full by the due date shown each month. This amount is calculated as the main account balance minus the balance transfer amount plus any Plan&Pay instalments for this month. If you do not have any Plan&Pay instalments or a balance transfer, the Monthly Payment Balance will be the same as the Closing Balance.

2 An 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.

Fraud 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 181KB) for full details, including when a customer will be liable.

Read the Apple Pay Terms and Conditions (PDF 40KB) 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.

Read the Google Pay Terms and Conditions before making a decision and consider if it is right for you. Available for eligible cards. To use Google Pay you will need to use a compatible device with a supported operating system. See our Google Pay FAQs for more information.

Read the Samsung Pay Terms and Conditions before making a decision and consider if it is right for you. To use Samsung Pay you will need to use a compatible device with a supported operating system. See our Samsung Pay FAQs for more information.

Internet connection may be needed to make purchases using Google Pay, Samsung Pay and normal mobile data charges apply.

Android, Google Pay and Google Play are trademarks of Google Inc.

Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.