The details shown below are for a card without rewards
The details shown below are for a card without rewards
Choose the version of this credit card that suits you best
| Name | Rewards program | |
|---|---|---|
| | Vertigo - Cashback Offer | n/a |
| | Vertigo | n/a |
Vertigo - Cashback Offer
Rewards: n/a
Vertigo
Rewards: n/a
If you're looking for a credit card that comes with flexible features then look no further than the Bank of Melbourne Vertigo card. With a 0% balance transfer offer for the first 30 months (0% fee applies) - when you opt for the Vertigo 0% Balance Transfer option, the Vertigo card could be a great option for anyone wanting to reduce their debt.
Or, if you're keen on getting dollars back in your pocket when you spend, the Vertigo Cahsback option could be for you.
Vertigo 0% Balance Transfer option:
The Bank of Melbourne’s Vertigo card has all the top features you would expect of a great low rate credit card. First up, the Vertigo offers a 0% p.a balance transfer rate for 30 months (offer ends 30 November 2021), which could be a helpful feature for anyone wanting to pay off any existing debt. Just bear in mind that if you still have debt left on the card after that 30-month period, the balance will revert to the cash advance rate of 21.49%.
The card also has an ongoing purchase rate of just 13.99% (many cards charge 20% or more). Plus with a comfortable 55 day interest free period you’ll have plenty of time to make your repayments.
On top of that, if you do make a late payment you won't be penalised too much with the $15 late payment fee, and your wallet will definitely be happy knowing that the annual fee is just $55 – and this fee is even waived in the first year.
The Bank of Melbourne Vertigo card is a Visa so you'll be able to use it anywhere Visa is accepted around the globe. The card also has PayPass functionality for payments under $100.
Vertigo Cashback option:
If you opt for the cashback option instead of the Vertigo BT program, you’ll receive $300 cashback when you spend $4,000 on eligible purchases within the first four months. Just remember, this offer is only for new customers taking out the Vertigo Cashback card, and you’ll need to apply by 30 November 2021. You’ll also see the $55 annual fee waived in the first year.
The other key difference between this offer and the Vertigo BT option is that the balance transfer rate is 6.99% for the first 12 months. Like the standard offer, it reverts to 21.49% (although BT Vertigo customers get 0% for the full 30 months).
Anyone looking to annihilate their credit card debt and wants a straight up credit card for managing payments. Or, those seeking out top cashback offers.
With a 21.49% p.a cash advance rate, cardholders will want to do their best to avoid withdrawing money using the card.
| 13.99% p.a. | |
| none | |
| 2.99% p.a. for 15 months and then 21.49% p.a. | |
| yes | |
| 21.49% p.a. | |
| 55 |
| $55.00 | |
| $0 in the first year | |
| none | |
| none | |
| $15.00 | |
| 2%, Min $2.50 | |
| 3.00% | |
| $0.00 | |
| $10.50 | |
| $0.00 |
| $10.00 | |
| 2.0 | |
| 1 | |
| none |
Apple Pay, Google Pay, PayID, Samsung Pay
Receive $300 cashback when you spend $4,000 on eligible purchases within 120 days. For new applications made by 30 November 2021.
| 13.99% p.a. | |
| none | |
| 0% p.a. for 30 months and then 21.49% p.a. | |
| yes | |
| 21.49% p.a. | |
| 55 |
| $55.00 | |
| $0 in the first year | |
| none | |
| none | |
| $15.00 | |
| 2%, Min $2.50 | |
| 3.00% | |
| $0.00 | |
| $10.50 | |
| $0.00 |
| $10.00 | |
| 2.0 | |
| 1 | |
| none |
Apple Pay, Google Pay, PayID, Samsung Pay
I have been with BOM for more than 10 years and it has been great but as soon as I have spotted an unauthorised transaction on the Visa account, I have contacted the fraud support to assist the case and believe or not I had to be out of pocket about $410 for something that I didn't authorise. The support was very aggressive and unprofessional, standing their ground, talking all over me, that I had to ask, can I please say something? after trying to have a polite conversation. I will now cancel my account and go elsewhere not related to this corporation because I suppose that it's the same support team handling the enquiries. I would never think that a bank can be so greedy and rather lose a long-term client than handle their issues the proper way. Also, the mobile app its clustered with glitches and maybe that is a reason that I got scammed as well. I also offered to send screenshots of the mobile app to show that this may have been the way that the account got hacked but they didn't want know and wash their hands with it and left me out of pocket even though they are insured on those type of transaction issues. I am waiting on the new card to pay off my balance and move on and no member of my family will have any more interaction with this bank. Thank god was only $410. Bad policies and practice to handle customer support.
Read full reviewI have been with BOM for more than 10 years and it has been great but as soon as I have spotted an unauthorised transaction on the Visa account, I have contacted the fraud support to assist the case and believe or not I had to be out of pocket about $410 for something that I didn't authorise. The support was very aggressive and unprofessional, standing their ground, talking all over me, that I had to ask, can I please say something? after trying to have a polite conversation. I will now cancel my account and go elsewhere not related to this corporation because I suppose that it's the same support team handling the enquiries. I would never think that a bank can be so greedy and rather lose a long-term client than handle their issues the proper way. Also, the mobile app its clustered with glitches and maybe that is a reason that I got scammed as well. I also offered to send screenshots of the mobile app to show that this may have been the way that the account got hacked but they didn't want know and wash their hands with it and left me out of pocket even though they are insured on those type of transaction issues. I am waiting on the new card to pay off my balance and move on and no member of my family will have any more interaction with this bank. Thank god was only $410. Bad policies and practice to handle customer support.
The application process is complex and often you get two different outcomes whether it be an application for new or increase.
Read full reviewThe application process is complex and often you get two different outcomes whether it be an application for new or increase.
When I applied for this card they were very helpful and it's easy to check your expenditure and other info online.
Read full reviewWhen I applied for this card they were very helpful and it's easy to check your expenditure and other info online.
Great and friendly staff at Cranbourne branch.
Read full reviewGreat and friendly staff at Cranbourne branch.
convenient during the no interest fee period, but pricey thereafter, so keep an eye on the calendar!
Read full reviewconvenient during the no interest fee period, but pricey thereafter, so keep an eye on the calendar!
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0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)
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0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)
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0% p.a. for 12 months and then 11.99% p.a. (2.00% balance transfer fee)
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11.99% p.a.
0% p.a. for 25 months and then 21.74% p.a.
$49 $0 in the first year
humm90
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23.99% p.a.
0% p.a. for 36 months and then 25.99% p.a. (0% balance transfer fee)
$99
PayPal
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20.99% p.a.
0% p.a. for 20 months and then 20.99% p.a.
$0
PayPal Rewards
Great Southern Bank
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19.99% p.a.
0% p.a. for 25 months and then 21.74% p.a.
$149 $0 in the first year
Great Southen Bank Platinum Rewards
St.George
Vertigo
13.99% p.a.
2.99% p.a. for 15 months and then 21.49% p.a.
$55 $0 in the first year
NAB
Low Rate Card
12.99% p.a.
0% p.a. for 32 months and then 21.74% p.a. (0% balance transfer fee)
$59 $0 in the first year
Kogan Money
Black Card
Kogan Rewards Points
$0
No current offer
1 point uncapped
NAB
Qantas Rewards Signature Card
Qantas Frequent Flyer
$395 $295 in the first year
110,000
1 point up to $5,000/month, then
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American Express
Velocity Platinum Card
Velocity Frequent Flyer
$375
120,000
1.25 points uncapped
Westpac
Altitude Platinum
Qantas Frequent Flyer
$200 $149 in the first year
60,000
0.5 points uncapped
Great Southern Bank
Low Rate Credit Card
0% p.a. for 25 months and then 21.74% p.a.
11.99% p.a.
$49 $0 in the first year
humm90
Mastercard
0% p.a. for 36 months and then 25.99% p.a. (0% balance transfer fee)
23.99% p.a.
$99
PayPal
Rewards Card
0% p.a. for 20 months and then 20.99% p.a.
20.99% p.a.
$0
PayPal Rewards
Bendigo Bank
Low Rate Credit Card
0% p.a. for 12 months and then 11.99% p.a. (2.00% balance transfer fee)
0% p.a. for 12 months then 11.99% p.a.
$45
Westpac
Low Rate
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
13.74% p.a.
$59 $0 in the first year
Great Southern Bank
Platinum Credit Card
0% p.a. for 25 months and then 21.74% p.a.
19.99% p.a.
$149 $0 in the first year
Great Southen Bank Platinum Rewards
NAB
Low Rate Card
0% p.a. for 32 months and then 21.74% p.a. (0% balance transfer fee)
12.99% p.a.
$59 $0 in the first year
HSBC
Platinum Credit Card
0% p.a. for 36 months and then 21.99% p.a.
19.99% p.a.
$129 $29 in the first year
Rewards Plus
Bendigo Bank
Low Rate Credit Card
0% p.a. for 12 months then 11.99% p.a.
0% p.a. for 12 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
Great Southern Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 25 months and then 21.74% p.a.
$49 $0 in the first year
NAB
StraightUp Card
0% p.a.
No current offer
$120 $10/month - waived if no spend & no balance owing
St.George
No Annual Fee
0% p.a. for 12 months then 20.74% p.a.
2.99% p.a. for 15 months and then 21.49% p.a.
$0
NAB
Low Rate Card
12.99% p.a.
0% p.a. for 32 months and then 21.74% p.a. (0% balance transfer fee)
$59 $0 in the first year
Bendigo Bank
Low Rate Credit Card
0% p.a. for 12 months then 11.99% p.a.
0% p.a. for 12 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
Great Southern Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 25 months and then 21.74% p.a.
$49 $0 in the first year
NAB
Low Rate Card
12.99% p.a.
0% p.a. for 32 months and then 21.74% p.a. (0% balance transfer fee)
$59 $0 in the first year
NAB
StraightUp Card
0% p.a.
No current offer
$120 $10/month - waived if no spend & no balance owing
St.George
No Annual Fee
0% p.a. for 12 months then 20.74% p.a.
2.99% p.a. for 15 months and then 21.49% p.a.
$0
Westpac
Low Rate
13.74% p.a.
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
$59 $0 in the first year
