Bank of Melbourne
Vertigo
Bank of Melbourne · cred and chrg cards
Provider last updated this product 2026-09-30.
An everyday card with a low rate on purchases, and a low monthly card fee.
Lending rates
| Type | Rate | Comparison | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| PURCHASE | 13.99% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| Interest on purchases Interest Free Days may apply | |||||||
| CASH ADVANCE | 21.99% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| Interest on cash advances No Interest Free days | |||||||
| BALANCE TRANSFER | 0.00% | - | OTHER | OTHER | 20 months | - | calculated daily, paid monthly |
| 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. | |||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Monthly Card Fee | PERIODIC | $7 | - |
| Missed Payment Fee | LATE_PAYMENT | $20 | - |
| Balance Transfer Fee | EVENT | 3.00% | - |
| Cash Advance Fee | CASH_ADVANCE | 3.50% | - |
| Foreign Transaction Fee | TRANSACTION | 3.00% | 3% of the Australian dollar value for transactions with merchants based overseas |
| Card Replacement Fee | REPLACEMENT | $0 | Courier costs may apply |
| Overlimit Fee | EVENT | $0 | $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. |
| Copy of a sales voucher | EVENT | $10.50 | - |
| Copy of a deposit or withdrawal form | EVENT | $15 | - |
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-08-09 | 2026-09-30 (current) | 0.00% |
Published figures as captured daily since 2026-08-09. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
- Digital Card - Boost your card security by using the dynamic CVV. Access your card details anytime, anywhere. Be assured that you will have uninterrupted access to your funds even if your card is lost or stolen.
- Feel confident using our cards, with 24/7 fraud monitoring, Secure Online Shopping Service, and the Bank of Melbourne Fraud Money Back Guarantee.
- You can use your Card to make a Purchase or a Cash Advance or carry out a Balance Transfer from another Credit Card. You can use your Card in many places in Australia and around the world. Look for the Visa and Mastercard signs that match those shown on your Card. If your Card is accepted by a Merchant, branch or ATM provider you can use it to: Pay for Purchases, through payment terminals, e.g. at a shop, etc. online, within a mobile app, by telephone, through mail order Withdraw Cash, at an ATM, at a Bank branch.
- Recurring payments - You may authorise a Merchant to charge recurring payments to your Card automatically without requesting your authorisation on each occasion
- Confirming and authorising transactions : There are a number of ways you may be able to confirm a transaction. These include: signing your name. Holding your Card in front of a contactless payment device. Entering your PIN. Entering your Card details and any other information required.
- Gambling blocks : If you wish to limit access to gambling services through the Card Account, please call us or log into your online banking and activate gambling block in the Card Services menu.
- Statements : We will issue a statement for the Card Account to you every month unless the account has a balance of $10 or less and there has been no account activity in that month. You can choose to receive statements by mail or electronically.
- Plan&Pay is a repayment plan for your credit card. It splits your credit card repayments into smaller bite-sized instalments.
- Access to My Offers Hub : My Offers Hub is a collection of offers and discounts available to eligible debit or credit cardholders to thank you for being our customer.
- Autopay facility is available. With Autopay, you can choose to pay off your Minimum Payment Due or your full closing balance each month.
- Customers can access their eligible Bank of Melbourne cards and Apple?s ID&V security features within Apple Wallet. T&Cs apply.
Who can apply
- min age - 18Aged 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
- otherHave a regular, verifiable Australian taxable income for at least 3 months (18 months for self employed)
- otherYou?re up-to-date with your regular repayments (rent or home loan, phone, other credit cards and loans etc.)
- otherHave a fixed residential address in Australia
Limits
- min limit - 500.00
- max limit - 80000.00
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-09-30T01:30:06Z · Product ID: BOMCCVertigocard