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Why Vertigo?

An everyday card with a low annual card fee and purchase rate

$55
annual card fee.
13.24% p.a.
low variable interest rate on purchases.
21.49% p.a.
variable cash advance rate.

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.
An extra card
For an additional cardholder 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.

AND RIGHT NOW, AN ADDITIONAL...

0% p.a. for 12 months on balance transfers*

+

0% p.a. for up to 6 months on purchases^

 

Vertigo Card

Rates

13.24%
p.a. variable interest rate on purchases
21.49%
p.a. variable cash advance interest rate
2%
of each cash advance amount
3%
of the Australian dollar value for transactions with merchants based overseas

Key fees

$55.00
Annual card fee or $0 in the first year for existing customers 1
$15.00
Fee applied for each late 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 Bank of Melbourne 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

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.

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.
Shopping has never been this rewarding.

The Detail

Conditions, fees and credit criteria apply.

This card is issued as a Visa card.

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 existing packaged cards are ineligible.

* Balance transfer promotion: Apply for a new Bank of Melbourne credit card between 21st February 2017 and 2nd May 2017 and you could pay 0% p.a. for 12 months on transferred balances. Simply ask to transfer up to 3 credit balances (min. $200, up to 95% of your approved available credit limit) from any non-St.George, Bank of Melbourne and BankSA Australian issued credit, charge or store cards. The balance transfer will be processed when your card is activated.

After 12 months, the variable purchase rate will apply to any balance left unpaid. Bank of Melbourne will not be responsible for any delays in processing payment to your other card account(s) and will not close them. Interest free days don’t apply to balance transfers and if you transfer a balance at any other time, the variable purchase interest rate applies.

^ Purchase rate promotion: Apply for a new Bank of Melbourne credit card between 21st February 2017 and 2nd May 2017 and you could pay 0% p.a. for 6 months from the day your card is approved. After 6 months, the rate will switch to the card's variable purchase rate which will also apply to any unpaid purchases.

1.  $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, Vertigo Platinum, Amplify, Amplify Platinum or Amplify Signature card by clicking on the Bank of Melbourne customers 'Apply now’ button on this page between 21st February 2017 and 2nd May 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.