Bank of MelbourneVertigo
An everyday card with a low rate on purchases, and a low monthly card fee.
Credit cardsBank updated 5 Nov 2026
At a glance
- Purchase rate
- 13.99%
- Cash advance
- 21.99%
- Interest-free days
- 55
- Foreign transaction fee
- 3.00%
- Balance transfer
- 0.00%
How it compares
This credit card in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This credit card | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Any credit cardOngoing purchase rate, not introductory offers | 13.99% | 7.49%Unity Bank's Low Rate Visa Credit Card | 12.49%of 51 institutions | 35th lowest of 51, level with 5 others |
| Interest-free daysDays without interest on purchases when the balance is paid in full | 55 days | 62 daysBeyond Bank Australia's Low Rate Credit Card | 55 daysof 42 institutions | 2nd longest of 42, level with 30 others |
Rates
Every rate Bank of Melbourne publishes for this credit card, 3 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Balance transfer0% 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 wil… | - | - | - | 0.00% | - | New customer |
| Cash advanceInterest on cash advances | - | - | - | 21.99% | - | No Interest Free days |
| PurchaseInterest on purchases | - | - | - | 13.99% | - | Interest Free Days may apply |
Fees
9 fees published, grouped by when they're charged.
While you hold it1
- Monthly Card Fee
Existing Reduced First year Monthly Card Fee
$7 a month
When you make a transaction2
- Cash Advance Fee3.50% of transaction
- Foreign Transaction Fee
3% of the Australian dollar value for transactions with merchants based overseas
3.00% of transaction
If a payment is late or fails1
- Missed Payment Fee$20 30 days after it's due
When particular things happen5
- Balance Transfer Fee3.00% of balance
- Copy of a deposit or withdrawal form$15
- Copy of a sales voucher$10.50
- Overlimit Fee
$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.
No fee - Card Replacement Fee
Courier costs may apply
No fee
Features
Extra repaymentsDigital bankingFraud protectionBalance transfers55 interest-free days1 additional cardApple PayGoogle PaySamsung Pay
- 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 los…
- Feel confident using our cards, with 24/7 fraud monitoring, Secure Online Shopping Service, and the Bank of Melbourne Fraud Money Back Guarantee.
- Explore ShopBack offers and earn bonus Cashback when you shop via the Bank of Melbourne Lounge on ShopBack. Terms & Conditions apply.
- 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 dev…
- 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 r…
- 2% of the closing balance outstanding, or $10; whichever is greater. If the closing balance is less than $10, it must be paid in full.
- 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.
Eligibility and limits
- Minimum age 18
- Residency: 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
- Amount $500 to $80,000
- Have a regular, verifiable Australian taxable income for at least 3 months (18 months for self employed)
- You're up-to-date with your regular repayments (rent or home loan, phone, other credit cards and loans etc.)
- Have a fixed residential address in Australia
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Published by Bank of Melbourne under the Consumer Data Right, last changed by them on 5 Nov 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.