Vertigo card image

Bank of Melbourne Vertigo

Advertiser disclosure
Purchase rate
0% p.a. for 6 months then 13.99% p.a.
Balance transfer rate
0% p.a. for 32 months and then 21.49% p.a.
Annual fees
$55 $0 in the first year
Interest free days on purchases
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Mozo editorial review Bank of Melbourne Vertigo - last updated: 19 November 2021

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What's hot
  • 0% p.a balance transfer rate for 32 months
  • 0% purchase rate for the first six months
  • Apple Pay, Google Pay, PayID, Samsung Pay available
  • 2021 Mozo Experts Choice Award winner
What's not
  • 21.49% p.a cash advance rate
Mozo snapshot

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 32 months (0% fee applies), the Vertigo card could be a great option for anyone wanting to reduce their debt. Plus, taking out a win for Best Balance Transfer Card in the 2021 Mozo Experts Choice Awards is a real clincher when it comes to BT options.

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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 32 months (offer ends 24 February 2022), 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), and that rate will be dropped to 0% for the first six months as an added perk. 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 charge, and your wallet will definitely be happy knowing that the annual card 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.

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.


Rates and fees information correct as at 3 December 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.

13.99% p.a.

0% p.a. for 6 months

0% p.a. for 32 months and then 21.49% p.a.


21.49% p.a.




$0 in the first year














Payment options

Apple Pay, Google Pay, PayID, Samsung Pay

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