If you are looking for a low interest 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 18 months, the Vertigo card could be a great option for anyone wanting to reduce their debt, plus with a low 13.99% purchase rate and a $55 annual fee.
Bank of Melbourne’s Vertigo card has all the top features you would expect in a great low rate credit card. First up, the Vertigo offers a 0% p.a balance transfer rate for 18 months 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 16 month period, the balance will revert to the purchase rate of 13.99%.
The card also has an ongoing purchase rate of just 13.99% (many cards charge 20% or more), and with a comfortable 55 interest free period you’ll have plenty of time to make your repayments.
Even 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.
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.
Anyone looking to annihilate their credit card debt and wants a straight up credit card for managing payments.
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
0% p.a. for 18 months and then 21.49% p.a.
yes
21.49% p.a.
55
$55.00
none
none
none
$15.00
2%, Min $2.50
3.00%
$2.00
$10.50
$0.00
$10.00
2.0
1
none
Apple Pay, Google Pay, PayID, Samsung Pay
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!
I love this bank because it is so easy to use and I can really trust them and they are really supportive.
Read full reviewI love this bank because it is so easy to use and I can really trust them and they are really supportive.
Formerly St.George in Victoria, The Bank of Melbourne provides a banking alternative to customers with its large range of products in home, personal and business banking. Based in Victoria the Bank of Melbourne offers its customers bank accounts, credit cards, term deposits, private banking services, home loans and personal loans.
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