Bank of Melbourne Vertigo

credit card

Vertigo is a credit card from Bank of Melbourne, as the bank publishes it in its product data. Its purchase rate is 13.99% and its card fee $84 a year ($7 a month). It ranks 40th of 52 issuers for a personal card by lowest purchase rate; and 9th of 22 issuers for a personal card by the length of its balance transfer offer.

What the feed states

Purchase rate

13.99%

Cash advance rate

21.99%

Interest-free days

up to 55

Card fee

$84 a year ($7 a month) (Monthly Card Fee)

Fee offer

Existing Reduced First year Monthly Card Fee

Foreign transaction fee

3% of the transaction

Cash advance fee

3.5%

Late payment fee

$20

Balance transfer offer

0.00% for 20 months (3% fee, then 21.99%); for new cards

Cashback offer

$450

Digital wallets

Apple Pay, Google Pay, Samsung Pay

Additional cardholders

up to 1

Credit limit

$500 to $80,000

Minimum age

18

Scheme

Visa

Conditions and offers

• 0.00% on balance transfers for 20 months, 3% transfer fee, then 21.99% (the cash advance rate); new cards
• the first-year fee waiver in the feed is for the bank's existing customers only
• credit limit $500 to $80,000
• $450 cashback not for anyone who has held a Bank of Melbourne, St.George or BankSA credit card in the last 24 months
• from 30 November 2026 the purchase rate rises to 14.99% and the cash advance rate to 24.24%, and the minimum payment becomes 2.5% or $25
• balance transfer minimum $200, up to 80% of the approved limit, from up to 3 non-group cards; the other card's issuer must accept BPAY

Who can apply, in the bank's words

• 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

About this card

An everyday card with a low rate on purchases, and a low monthly card fee.

Data

• Bank of Melbourne's own page for this card.
• The issuer's documents its feed links to: terms and conditions, fees, eligibility.
• Our verbatim snapshot of the bank's product record (source), as fetched on 2026-11-05.
• The issuer's Key Facts Sheet.
• /au/finance/credit-cards/v1/brands/bank-of-melbourne.json: this issuer's cards as JSON; Bank of Melbourne's page lists them.
• The bank last updated this record on 2026-11-05; the dataset's data is as of 2026-11-12. Rates are per annum as the issuer states them; "stale" means the bank has not updated the record for over 180 days.

Other cards at Bank of Melbourne

• Amplify Business credit card, 19.49%, $89 a year
• Amplify Qantas Platinum credit card, 23.98%, $175 a year
• Amplify Qantas Signature credit card, 23.98%, $295 a year
• Amplify Rewards Platinum credit card, 23.98%, $175 a year
• Amplify Rewards Signature credit card, 23.98%, $295 a year
• Business Vantage credit card, 9.99%, $55 a year