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Summary

Let's recap on your choice of a Vertigo card – before you start your application

The important numbers

Ongoing annual card fee $55
Variable purchase rate 13.99% p.a.
Variable cash advance rate 21.99% p.a. 
Minimum credit limit $500

New cards only.

Up to $450 cashback<<

Get $75 cashback for each month you spend $1k or more on eligible purchases in the first 6 months from card approval<<.

Plus, 6.99% p.a. interest on balance transfers for 12 months>> when requested at card application. The variable cash advance rate will apply after this promotional period.

 

Offer not available if you've held a Bank of Melbourne, St.George or BankSA credit card in the last 24 months. New cards only. Month is based on your credit card statement.

 

What you'll get

  • A lower interest rate on purchases than our Rewards cards

  • A lower annual card fee than our Rewards cards

  • Up to 55 days interest-free on purchases¹


     

Considerations

  • No rewards points or complimentary insurances

See if you’re likely to be approved

Answer these questions to see if your application is more or less likely to be approved.

Have you received a regular income in the last 3 months?

Do you have at least $100 remaining each month after covering your expenses?

Have you paid all your bills and loans on time in the last 12 months?

Without a steady and reliable income, we’re unlikely to approve your application. Consider applying when your circumstances change.

As part of your application, Bank of Melbourne makes enquiries with credit reporting bodies. The enquiry will go on your credit file and could affect future credit applications with other institutions. While these questions will give you an indication of approval, credit card applications are still subject to a full assessment against Bank of Melbourne’s credit criteria.

 

If you can’t cover your expenses with a little to spare, we’re unlikely to approve your application. Consider applying when your circumstances change.

As part of your application, Bank of Melbourne makes enquiries with credit reporting bodies. The enquiry will go on your credit file and could affect future credit applications with other institutions. While these questions will give you an indication of approval, credit card applications are still subject to a full assessment against Bank of Melbourne’s credit criteria.

 

If you've missed repayments in the last 12 months, we're less likely to approve your application. Consider applying when your circumstances change.

As part of your application, Bank of Melbourne makes enquiries with credit reporting bodies. The enquiry will go on your credit file and could affect future credit applications with other institutions. While these questions will give you an indication of approval, credit card applications are still subject to a full assessment against Bank of Melbourne’s credit criteria.

 

Based on your answers, we’re more likely to approve your application.

As part of your application, Bank of Melbourne makes enquiries with credit reporting bodies. The enquiry will go on your credit file and could affect future credit applications with other institutions. While these questions will give you an indication of approval, credit card applications are still subject to a full assessment against Bank of Melbourne’s credit criteria.

 

Before continuing

A final check that this is the right credit option for you. Credit cards are a secure payment method for short-term borrowing needs such as everyday purchases or unplanned expenses, with some cards offering additional features like rewards. However, there are instances where it might be worth considering another form of credit:

  • You have a longer-term or specific borrowing need, like a car or home renovations. In this case, view our Personal loans
  • You want a repayment schedule with fixed repayments and a defined loan end-date. In this case, view our Personal loans
The Detail

Key Facts Sheet

Credit Card Terms and Conditions (PDF 268KB)

Credit Card Accounts Fees and Charges (PDF 123KB)

Conditions, fees and credit criteria apply. Standard rates and fees applicable for new cards. May not apply for existing credit card accounts. 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 Cashback offer: Offer commenced 28th May 2026. The up to $450 cashback offer is available when you apply and are approved for a new Vertigo credit card before the offer is withdrawn. $75 cashback will be awarded for every month (statement period) $1k or more is spent on eligible purchases for 6 consecutive statement periods. The first eligible spend period will commence from the day your account is opened, up to the end of your second statement period. After this date, the second eligible spend period will commence and the offer spend requirements will align to each statement period thereafter for the remaining of the 5 consecutive statement periods. Eligible purchases made in one statement period do not contribute to subsequent statement period offer eligibility. Eligible purchases do not include interest, fees, charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited to the card account. Cashback is only available on one credit card account per customer. $75 cashback will be paid as a statement credit to your Vertigo credit card account within 90 days of meeting the minimum spend criteria. Existing credit card customers who held a St.George, Bank of Melbourne or BankSA in the last 24 months, are not eligible for this offer. Credit Card Product Switches, upgrades or Westpac group staff are ineligible for this offer. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

>>Vertigo Balance Transfer offer: Offer commenced 28th May 2026. The promotional balance transfer rate is available when you apply and are approved for a new Vertigo credit card before the offer is withdrawn and request at card application to transfer balance(s) from up to 3 non-Bank of Melbourne, St.George and BankSA Australian issued credit or store cards. Your current credit card issuer must accept BPAY payments to be eligible, you can check your credit card statement for payment options. 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. 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. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.  

1 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.