The Bank of Melbourne Vertigo is a no-frills credit card that you can use in over 200 countries and regions around the world, with any business that accepts Visa cards. You can also add it to your Apple Pay, Google Pay and Samsung Pay accounts for mobile payments.
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Bank of Melbourne Vertigo Card – Cashback Offer
Terms and conditions apply
- Balance transfer rate for 12 months with no balance transfer fee
- 6.99% p.a.
- Purchase rate
- 13.99% p.a.
- Annual fee
- $55 p.a.
- Interest-free on purchases
- Up to 55 days
Our verdict
Offers up to $400 cashback on your spending at eligible supermarkets and petrol stations, with a $55 annual fee.
The Bank of Melbourne Vertigo gives you a mix of low-cost features without the bells and whistles offered by some other cards. Both its 13.99% p.a. interest rate for purchases and $55 annual fee are competitive with other low rate and low fee cards. With the introductory cashback offer, you'll get 10% back at participating petrol stations and supermarkets – including ALDI, Coles and Woolworths – in the first 180 days (up to $400 cashback). So think about how much you’ll use this card when you first get it to decide if this offer is worth it.
Pros
-
Up to $400 cashback offer
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Relatively low 13.99% p.a. interest rate for purchases
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Free additional cardholder
Cons
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3% international transaction fee
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No extra perks like rewards or complimentary insurance
Details
Product details
| Product Name | Bank of Melbourne Vertigo Card - Cashback Offer |
| Balance transfer rate p.a. | 6.99% for 12 months, then 21.49% |
| Balance transfer limit | 80% of available limit |
| Purchase rate p.a. | 13.99% |
| Interest-free period | Up to 55 days on purchases |
| Cash advance rate p.a. | 21.49% |
| Min credit limit | $500 |
| Max credit limit | $80,000 |
| Card type | Visa |
Eligibility
| Available to temporary residents | Yes - Conditions apply |
| Joint application | No |
Rewards
| Bonus points | N/A |
Fees
| Annual fee | $55 |
| Minimum monthly repayment | 2% of the closing balance or $10, whichever is greater |
| Late payment fee | $15 |
| Foreign currency conversion fee | 3% |
| Cash advance fee | 3% |
| Overseas cash advance fee | 3% of each cash advance amount |
| Additional cardholder fee | $0 |
| Number of additional cardholders | 1 |
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Amy Finder
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