Purchase rate
13.99% p.a.
Balance transfer rate
0% p.a. for 28 months and then 21.49% p.a.
Annual fees
$55
Interest free days on purchases
55
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Mozo editorial review Bank of Melbourne Vertigo

Last updated: 3 March 2021.

binocular icon
What's hot
  • 0% p.a balance transfer rate for 28 months
  • 0% balance transfer fee
  • 2020 Mozo Experts Choice Award winner
What's not
  • 21.49% p.a cash advance rate
Mozo snapshot

If you are 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 28 months (0% fee applies), the Vertigo card could be a great option for anyone wanting to reduce their debt.

And if that's not enough, in 2020 this card took home a Mozo Experts Choice Award for best Balance Transfer Credit Card. 

key icon
Key features

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 28 months (offer ends 28 September 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 28 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. 

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.

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Who is it good for

Anyone looking to annihilate their credit card debt and wants a straight up credit card for managing payments.

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Any catches

With a 21.49% p.a cash advance rate, cardholders will want to do their best to avoid withdrawing money using the card.

Details

Rates and fees information correct as at 18 May 2021 Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 13.99% p.a.

  • none

  • 0% p.a. for 28 months and then 21.49% p.a.

  • yes

  • 21.49% p.a.

  • 55

Fees
  • $55.00

  • none

  • none

  • none

  • $15.00

  • 2%, Min $2.50

  • 3.00%

  • $0.00

  • $10.50

  • $0.00

Features
  • $10.00

  • 2.0

  • 1

  • none

Payment options

Apple Pay, Google Pay, PayID, Samsung Pay

Customer Reviews

How are Bank of Melbourne credit cards rated by the Mozo community?

Overall
7.4/10
Price
6.7/10
Features
6.2/10
Customer service
7.3/10
Convenience
7.4/10
Trust
7.5/10

Latest reviews of Bank of Melbourne Vertigo

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About Bank of Melbourne

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.

See Bank of Melbourne credit cards

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Bank of Melbourne

Vertigo Platinum

12.99% p.a.

6.99% p.a. for 12 months and then 21.49% p.a.

$99

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Bank of Melbourne

Amplify Rewards Platinum

19.74% p.a.

0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)

$99

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Bank of Melbourne

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19.74% p.a.

0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)

$279

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11.99% p.a.

0% p.a. for 24 months and then 11.99% p.a. (2.00% balance transfer fee)

$45

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0% p.a. for 15 months then 9.90% p.a.

0% p.a. for 15 months and then 9.90% p.a.

$49 $0 in the first year

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Westpac

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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

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0% p.a. for 6 months then 21.49% p.a.

0% p.a. for 6 months and then 22.24% p.a.

$0

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3.99% p.a. for 6 months then 8.99% p.a.

3.99% p.a. for 6 months and then 8.99% p.a.

$45

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HSBC

Platinum Credit Card

19.99% p.a.

0% p.a. for 36 months and then 21.99% p.a.

$129 $29 in the first year

Rewards Plus

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American Express

Cashback Credit Card

20.74% p.a.

No current offer

$120

Cashback Rewards

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13.99% p.a.

0% p.a. for 28 months and then 21.49% p.a.

$55

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Cashback Rewards

$120

No current offer

1 point uncapped

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Altitude Rewards

$150 $99 in the first year

80,000

1 point uncapped

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American Express

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Qantas Frequent Flyer

$0

No current offer

0.75 points uncapped

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NAB

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Qantas Frequent Flyer

$395 $295 in the first year

110,000

1 point up to $5,000/month, then
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Amplify Rewards Signature

Rewards

$279

200,000

1.5 points uncapped

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Velocity Frequent Flyer

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No current offer

0.75 points uncapped

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NAB

Qantas Rewards Premium Card

Qantas Frequent Flyer

$250

30,000

0.66 points up to $3,000/month, then
0.33 points up to $6,000/month

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Qantas Frequent Flyer

$99

60,000

0.5 points uncapped

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0% p.a. for 24 months and then 11.99% p.a. (2.00% balance transfer fee)

11.99% p.a.

$45

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St.George

Vertigo

0% p.a. for 28 months and then 21.49% p.a.

13.99% p.a.

$55

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Westpac

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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

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HSBC

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0% p.a. for 36 months and then 21.99% p.a.

19.99% p.a.

$129 $29 in the first year

Rewards Plus

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0% p.a. for 26 months and then 14.99% p.a. (2.00% balance transfer fee)

14.99% p.a.

$0

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0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)

19.74% p.a.

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0% p.a. for 26 months and then 14.99% p.a. (2.00% balance transfer fee)

14.99% p.a.

$0

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NAB

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0% p.a. for 26 months and then 21.74% p.a. (2.00% balance transfer fee)

12.99% p.a.

$59 $0 in the first year

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11.99% p.a.

0% p.a. for 24 months and then 11.99% p.a. (2.00% balance transfer fee)

$45

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0% p.a. for 6 months then 21.49% p.a.

0% p.a. for 6 months and then 22.24% p.a.

$0

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3.99% p.a. for 6 months then 8.99% p.a.

3.99% p.a. for 6 months and then 8.99% p.a.

$45

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St.George

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13.99% p.a.

0% p.a. for 28 months and then 21.49% p.a.

$55

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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

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Citi

Rewards Credit Card

21.49% p.a.

0% p.a. for 30 months and then 22.24% p.a.

$149 $49 in the first year

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ING

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11.99% p.a.

No current offer

$0

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ME

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11.99% p.a.

No current offer

$0

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Low Rate Credit Card

11.99% p.a.

0% p.a. for 24 months and then 11.99% p.a. (2.00% balance transfer fee)

$45

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0% p.a. for 15 months then 9.90% p.a.

0% p.a. for 15 months and then 9.90% p.a.

$49 $0 in the first year

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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

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0% p.a. for 6 months then 21.49% p.a.

0% p.a. for 6 months and then 22.24% p.a.

$0

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3.99% p.a. for 6 months then 8.99% p.a.

3.99% p.a. for 6 months and then 8.99% p.a.

$45

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ME

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11.99% p.a.

No current offer

$0

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0% p.a. for 15 months then 9.90% p.a.

0% p.a. for 15 months and then 9.90% p.a.

$69 $0 in the first year

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0% p.a. for 12 months then 20.74% p.a.

6.99% p.a. for 12 months and then 21.49% p.a.

$0