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Summary

Let's recap on your choice of a Vertigo card – before you start your application

The important numbers

Ongoing annual card fee $55
Variable purchase rate 13.99% p.a.
Variable cash advance rate 21.99% p.a. 
Minimum credit limit $500

New cards only.

Up to $500 cashback on your supermarket and petrol spend<<

Get 10% cashback on spend at selected supermarkets and petrol stations (up to $500 total cashback).

Plus, 6.99% p.a. interest on balance transfers for 12 months>> when requested at card application. The variable cash advance rate will apply after this promotional period.

Offer not available if you've held a Bank of Melbourne, St.George or BankSA credit card in the last 24 months. New cards only.

 

What you'll get

  • A lower interest rate on purchases than our No Annual Fee and Rewards cards

  • A lower annual card fee than our Rewards cards

  • Up to 55 days interest-free on purchases¹


     

Considerations

  • A higher annual card fee than our No Annual Fee card

  • No rewards points or complimentary insurances

See if you’re likely to be approved

Answer these questions to see if your application is more or less likely to be approved.

Have you received a regular income in the last 3 months?

Do you have at least $100 remaining each month after covering your expenses?

Have you paid all your bills and loans on time in the last 12 months?

Without a steady and reliable income, we’re unlikely to approve your application. Consider applying when your circumstances change.

As part of your application, Bank of Melbourne makes enquiries with credit reporting bodies. The enquiry will go on your credit file and could affect future credit applications with other institutions. While these questions will give you an indication of approval, credit card applications are still subject to a full assessment against Bank of Melbourne’s credit criteria.

 

If you can’t cover your expenses with a little to spare, we’re unlikely to approve your application. Consider applying when your circumstances change.

As part of your application, Bank of Melbourne makes enquiries with credit reporting bodies. The enquiry will go on your credit file and could affect future credit applications with other institutions. While these questions will give you an indication of approval, credit card applications are still subject to a full assessment against Bank of Melbourne’s credit criteria.

 

If you've missed repayments in the last 12 months, we're less likely to approve your application. Consider applying when your circumstances change.

As part of your application, Bank of Melbourne makes enquiries with credit reporting bodies. The enquiry will go on your credit file and could affect future credit applications with other institutions. While these questions will give you an indication of approval, credit card applications are still subject to a full assessment against Bank of Melbourne’s credit criteria.

 

Based on your answers, we’re more likely to approve your application.

As part of your application, Bank of Melbourne makes enquiries with credit reporting bodies. The enquiry will go on your credit file and could affect future credit applications with other institutions. While these questions will give you an indication of approval, credit card applications are still subject to a full assessment against Bank of Melbourne’s credit criteria.

 

Before continuing

A final check that this is the right credit option for you. Credit cards are a secure payment method for short-term borrowing needs such as everyday purchases or unplanned expenses, with some cards offering additional features like rewards. However, there are instances where it might be worth considering another form of credit:

  • You have a longer-term or specific borrowing need, like a car or home renovations. In this case, view our Personal loans
  • You want a repayment schedule with fixed repayments and a defined loan end-date. In this case, view our Personal loans
The Detail

Key Facts Sheet

Credit Card Terms and Conditions (PDF 268KB)

Credit Card Accounts Fees and Charges (PDF 72KB)

Conditions, fees and credit criteria apply. Standard rates and fees applicable for new cards. May not apply for existing credit card accounts. This card is issued as a Visa card. Before making a decision read the Terms and Conditions and consider if the product is right for you.
 
Switches, upgrades, or Westpac Group staff are ineligible. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

<<Vertigo Cashback offer: This cashback promotion is available when you apply and are approved for a new Vertigo credit card between 31st October 2024 and 30th April 2025, then use it at a participating supermarket and petrol outlets within 180 days from card approval. You will receive 10% cashback on each eligible spend at a participating supermarket and petrol outlets, capped at maximum of $500 per card account. Cashback will be paid as a statement credit to your Vertigo credit card within 30 days of each eligible spend. Your credit card account must be open in order to receive the cashback. If your card is suspended or cancelled, the credit will not be applied. Cashback is only available on one credit card account per customer. This cashback does not form part of the account’s minimum monthly repayment. 

Participating supermarkets and petrol outlets: Each supermarket’s and petrol outlets eligibility is based on its merchant classification. While most major and many independent supermarkets and petrol outlets are participating, those not classified in the Supermarket, Grocers and Service Station merchant categories will not be participating. Examples of supermarkets not participating include: Costco, Metropolitan Fresh and wholesaler supermarkets.

Spend Exclusions: Gift card or eGift card purchases at participating supermarkets are not counted as part of eligible spend. Eligible spend also excludes fees, cash, cash-equivalent transactions, third party payments such as AfterPay, BPAY, PayPal or PayPal equivalent.

Existing credit card customers who held a Bank of Melbourne, St.George or BankSA in the last 24 months, are not eligible for this offer.

>>Vertigo Balance Transfer offer: The promotional balance transfer rate is available when you apply and are approved for a new Vertigo credit card between 31st October 2024 and 30th April 2025, and request at card application to transfer balance(s) from up to 3 non-Bank of Melbourne, St.George and BankSA Australian issued credit or store cards. Your current credit card issuer must accept BPAY payments to be eligible, you can check your credit card statement for payment options. The promotional rate will apply to balance(s) transferred (min $200 up to 80% of your approved available credit limit) for the promotional period, unless the amount is paid off earlier. Activating your card triggers the processing of the balance transfer. The applicable variable cash advance rate will apply to any unpaid balance transfer amount remaining at the end of the promotional period. Bank of Melbourne will not be responsible for any delays that may occur in processing payment to your other card account(s) and will not close the account(s). If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date.

1 55 Days Interest Free: Receive up to 55 days interest free on your purchases if your Monthly Payment Balance is paid in full by the due date shown each month. This amount is calculated as the main account balance minus the balance transfer amount plus any Plan&Pay instalments for this month. If you do not have any Plan&Pay instalments or a balance transfer, the Monthly Payment Balance will be the same as the Closing Balance.