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Why Vertigo?

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

Ways to pay
Yay! More ways to pay. Apple PayGoogle PaySamsung Pay.
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.
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.

0% p.a. interest on balance transfers for 28 months#

With no balance transfer fee either.

The variable cash advance rate will apply after the 28-month promotional period. This 0% p.a. offer relates to balance transfers requested at card application. New cards only.


Best value balance transfer credit card

We know our Vertigo card offers great value – now Money magazine has confirmed it’s the best, awarding it their ‘Best-Value Balance Transfer Credit Card 2021’**. 

Rates

  • 13.99% 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

  • $55 Ongoing annual card fee
  • $15 Fee applied for each late or missed payment
  • $9 For each dishonour of a payment under the Autopay automatic payment arrangement
  • $0 Card Replacement Fee (courier costs may apply)

Complimentary services

  • 24/7 fraud monitoring
  • Phone and Internet Banking
  • Autopay
  • 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 Terms and Conditions
All you need to know about our cards.
Credit Card Accounts Fees and Charges
A complete list of card-related costs.
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.

^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 Bank of Melbourne 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. 

** The Money magazine Best-Value Balance Transfer Credit Card was awarded to Bank of Melbourne Vertigo Visa on 3rd December 2020.

#Balance Transfer Promotion: The promotional balance transfer rate is available when you apply and are approved for a new Vertigo, Amplify Platinum or Amplify Signature credit card between 3rd March 2021 and 28th September 2021, 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. A balance transfer fee of 1% of the transferred balance(s) will apply to balance(s) transferred to a Amplify Platinum or Amplify Signature credit card. The balance transfer fee will be charged to the card account on the same day the balance(s) are debited to the account. 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.

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 (PDF 385KB) 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 (PDF 329KB) 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.