Vertigo Card

Lower your costs, get back to you

A low interest rate on purchases and a low annual fee, make this your all-round, great value credit card

Features

Bank of Melbourne Vertigo

 Low variable purchase rate of % p.a. (% p.a. variable on cash advances)

 Low annual fee of $55 ($0 for the first year for existing customers^)

 Up to 55 days interest free on purchases when you pay the closing balance (including any balance transfer amount) by the statement due date each month

 


Apply online in 10 minutes (5 for existing customers)

Bank of Melbourne customers

New customers

 


 

Special Offers 

% p.a.

for 18 months

on balance transfers, requested at card application2

% p.a.

for up to 12 months

on purchases from card approval*

$0

annual fee

for the first year for existing customers^

Variable purchase rate applies after the promotional period. Offers end 4 January 2017

 


 

Rates & Fees

Competitive interest rates
  • Low variable purchase rate of % p.a.
  • Variable cash advance rate of % p.a.
Promotional balance transfer rate % p.a. for 18 months on balance transfers, requested at card application2. Variable purchase rate applies after the promotional period. Offer ends 4 January 2017. Calculate how much interest you could save!
Promotional purchase rate % p.a. for up to 12 months on purchases from card approval*
  • $55 annual fee ($0 for the first year for existing customers)
  • Cash advance: 2% of each cash advance amount
  • Foreign transaction: 3% of the Australian dollar value
  • Additional cardholder1: $0
Other fees and charges Credit cards fees and charges.
Fees and rates are subject to change

 

More great reasons to choose a Vertigo credit card

 

On the go

On-the-go access

See your balance without having to login with our handy Quick Balance Tool and make payments a breeze with Visa payWave and Android pay.

Security

Security meets convenience

Fingerprint ID login means fast, secure access to mobile banking. You can even temporarily lock your lost or misplaced card in seconds.

Never miss a thing

Never miss a thing

Put your payments on auto-pilot and get back to living, with AutoPay bill alerts.

 


 

Get started in 3 easy steps

 

Step 1

Apply online in 10 minutes (5 for existing customers)

Step 2

Get a response in 60 seconds

Step 3

Activate your card

Bank of Melbourne customers

New customers

 


 

 


 

Frequently asked questions

Have you got questions about applying?

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Use our helpful credit card selector tool kit to compare our cards.

The Detail

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

View the terms and conditions:

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.

Offers are not available in conjunction with any special offers that are not listed on www.bankofmelbourne.com.au. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible.

^$0 annual fee in first year for Existing Bank of Melbourne customers promotion: To be eligible for this promotion you must be an existing Bank of Melbourne customer that applies for a new Vertigo or Vertigo Platinum card by clicking on the Bank of Melbourne customers 'Apply now’ button on this page between 30 September 2016 and 4 January 2017 and make your first purchase within 12 months from card approval. The first annual fee will be debited on the 12 month anniversary of the first transaction on your account and annually thereafter on the anniversary of the first annual fee.

1. An additional card 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 the additional card will be the responsibility of the primary cardholder.

2. The promotional balance transfer rates are available when you apply for a new Bank of Melbourne credit card between 30 September 2016 and 4 January 2017 and request at application to transfer balance(s) from non-St.George, Bank of Melbourne and BankSA Australian issued credit, charge or store cards. The variable purchase interest rate applies to balance transfers requested at any other time. Promotional rate will apply to any balance(s) transferred (min $200 up to 95% of your approved available credit limit) for the promotional period, unless the amount is paid off earlier. The variable purchase rate will apply to balance(s) transferred but left unpaid after the end of the promotional period. Card activation will trigger the processing of the balance transfer. 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). Interest free days don’t apply to balance transfers.

*The introductory rate of % p.a. on purchases is available when you apply for a new Bank of Melbourne credit card between 30 September 2016 and 4 January 2017. The introductory rate will be applied from card approval and expires 12 months after the date of card approval. At the end of this period the introductory purchase rate will switch to the variable purchase rate then applicable to your card account and any purchases that remain unpaid at that time will revert to the standard variable purchase rate then applicable to your card account.