Vertigo
An everyday card with a low rate on purchases, and a low monthly card fee.
- Purchase rate
- 13.99%
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Balance transfer 0% p.a. interest on balance transfers for 20 months. 3% balance transfer fee applies. This 0% p.a. offer relates to balance transfers requested at card application. The variable cash advance rate will apply after the promotional period. New cards only. · New customers only | 0% | — | — |
| Purchase Interest on purchases · Interest Free Days may apply | 13.99% | — | — |
| Cash advance Interest on cash advances · No Interest Free days | 21.99% | — | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Monthly Card Fee Charged monthly | Ongoing | $7.00 |
| Missed Payment Fee | Late payment | $20.00 |
| Balance Transfer Fee | Event | 3% of balance |
| Cash Advance Fee | Cash advance | 3.5% of transaction |
| Foreign Transaction Fee 3% of the Australian dollar value for transactions with merchants based overseas | Transaction | 3% of transaction |
| Card Replacement Fee Courier costs may apply | Replacement | $0.00 |
| Overlimit Fee $15.00 once per statement period if your credit card account was opened before 4 June 2012. No overlimit fee will be charged for personal credit card accounts opened on or after 4 June 2012. | Event | $0.00 |
Instalment Plans
- Plan Splits
- 3–12 instalments
- Concurrent Plans
- Up to 8
- Minimum Plan Value
- $200.00
Features
- Balance transfers
- 0% p.a. interest on balance transfers for 20 months. 3% balance transfer fee applies. This 0% p.a. offer relates to balance transfers requested at card application. The variable cash advance rate will apply after the promotional period. New cards only.
- Cashback offer — 450.00
- 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 St.George, Bank of Melbourne or BankSA credit card in the last 24 months. New cards only. Month is based on your credit card statement.
- Interest-free period — 55 days
- 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.
- Digital wallet — Apple Pay
- Multiple ways to pay, securely, with mobile wallet. Pay on the go simply and securely from your mobile device at millions of stores worldwide, where contactless payments are accepted - compatible with Apple Pay.
- Digital wallet
Eligibility
- Minimum age — 18 yearsAged 18 or over
- Residency status — Be an Australian or New Zealand citizen or be an Australian permanent resident or hold a valid temporary residence visa with a minimum of 1 year before expiry
- Have a regular, verifiable Australian taxable income for at least 3 months (18 months for self employed)
- You?re up-to-date with your regular repayments (rent or home loan, phone, other credit cards and loans etc.)
- Have a fixed residential address in Australia
Constraints
- Minimum limit — $500.00
- Maximum limit — $80,000.00
More Information
Published by Bank of Melbourne under the Consumer Data Right · Last updated 9 July 2026 · Product ID BOMCCVertigocard · View on CDR.gov.au · View Source Data (JSON)