In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
Finder makes money from featured partners, but editorial opinions are our own.

Bank of Melbourne Vertigo Card – Cashback Offer

  • Avatar
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.


  • Up to $400 cashback offer
  • Relatively low 13.99% p.a. interest rate for purchases
  • Shopping cashbacks through ShopBack
  • Free additional cardholder


  • 3% international transaction fee
  • No extra perks like rewards or complimentary insurance

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question

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.


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.
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


Available to temporary residents Yes - Conditions apply
Joint application No


Bonus points N/A


Annual fee
Minimum monthly repayment 2% of the closing balance or $10, whichever is greater
Late payment fee $15
Foreign currency conversion fee
Cash advance fee 3%
Overseas cash advance fee 3% of each cash advance amount
Additional cardholder fee $0
Number of additional cardholders 1

How to apply

You can apply for the Bank of Melbourne Vertigo Credit Card online in around 10-20 minutes. Get started by checking that you meet the eligibility criteria and have all the documents and details you need to complete the application.

Eligibility criteria

  • New cardholder. The current Bank of Melbourne Vertigo Card cashback offer is only available when you apply as a new cardholder.
  • Eligible balance transfer. If you're planning to transfer an existing balance to this card, you can transfer between $200 up to 80% of your credit limit from Australian credit cards not issued by Bank of Melbourne, St.George or BankSA.

Card benefits

  • Up to $400 cashback. When you apply by 31 July 2024, you'll get 10% cashback on eligible spending at participating petrol stations and supermarkets (including Coles, Woolworths, IGA, Harris Farm and ALDI) in the first 180 days from card approval – up to a maximum total of $400 cashback. Eligible spending includes most everyday transactions at participating businesses. Transactions that won't count towards the spend requirement include gift card or eGift card purchases at the participating supermarkets, fees, cash, cash-equivalent transactions and third party payments such as AfterPay, BPAY, PayPal or PayPal equivalent. The 10% cashback will be credited to your account within 30 days of meeting the spend requirement.
  • Interest-free days. When you pay your monthly payment balance in full by the due date listed on each statement, you will get up to 55 days interest-free on purchases.

Rates & fees

  • Annual fee. This card charges a $55 annual fee. To put this in perspective, low rate cards typically have annual fees that range from $0 to $100 or more
  • Credit limit. This card has a minimum credit limit of $500.

Your reviews

No reviews yet. Write a review

Ask a question

Ask a question

Amy Finder


Hi there, looking for more information? Ask us a question.

Error label

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked
Accept and continue

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms Of Service and Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Privacy Policy and Terms of Service apply.

Go to site