Lombard Finance Credit Cards

Get historical information about the credit cards that were offered by this discontinued brand.

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Lombard Finance was an Australian consumer finance company and part of the publicly listed FlexiGroup. It offered an array of financial products to Australians, in the form of in-store finance and Visa credit cards. Some of its offerings included interest-free and interest bearing finance, deferred payment plans and lines of credit.

Credit cards discontinued

As of 21 June 2019, the Lombard brand has been discontinued. Any cards that were issued prior have been cancelled and the limits reduced to zero. However, we have left this page up for anyone who may be interested in previous offerings. If you are interested in interest-free payment plans with similar features to Lombard cards, check out the Skye Mastercard (underwritten by Flexigroup), or the range of HSBC and Latitude Financial credit cards.

Please note that you are still required to make payments if you have an outstanding balance on an existing Lombard credit card.

Compare credit cards with instalment plans

Updated February 28th, 2020
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee
Westpac Low Rate Card
2019 Winner
Westpac Low Rate Card
13.74% p.a.
0% p.a. for 16 months
$59 p.a.
A no frills, low rate card offering 0% p.a. interest on balance transfers for the first 16 months, with no balance transfer fee.
Westpac Altitude Platinum Card - Online Offer
20.49% p.a.
0% p.a. for 20 months
$150 p.a.
Earn 40,000 bonus Altitude Points when you spend $2,000 within 90 days of card approval. Plus, a 0% p.a. balance transfer offer for 20 months.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0% for 14 months, reverts to 20.74% p.a.
0% p.a. for 6 months
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Enjoy 0% p.a. interest on purchases for 14 months, a reduced first year annual fee and Velocity Points per $1 spent.
Virgin Money Low Rate Credit Card
11.99% p.a.
0% p.a. for 14 months
$49 p.a.
Get a $49 annual fee, 10% cashback on purchases made in the first 3 months (capped at $100) and a 14-month balance transfer.
Virgin No Annual Fee Credit Card
18.99% p.a.
0% p.a. for 12 months
$0 p.a.
Offers 0% p.a. for 12 months on balance transfers and up to 55 days interest-free on purchases, all for a $0 annual fee.
David Jones American Express Platinum Card
20.74% p.a.
$295 p.a.
DJ's shoppers and Qantas travellers earn 30,000 bonus Membership Rewards Points or 15,000 Qantas Points on eligible spend.
David Jones American Express Card
20.74% p.a.
$99 p.a.
Not just for David Jones shoppers, receive 15,000 bonus Membership Rewards Points or 7,500 Qantas Points on eligible spend.

Compare up to 4 providers

What are the types of Lombard Finance Credit Cards?

Lombard Finance provides credit cards that give cardholders the ability to shop interest-free at its retail partners. You can compare the two credit card options from Lombard Finance below.

  • Interest-free cards

Both Lombard credit cards allow you to access up to 48 months interest-free when you shop with partnered retailers. The Lombard 55 Card also gives you the ability to make use of up to 55 interest-free days on purchases you make outside its retail partners network. When you use the 180 Card outside the Lombard Finance retail partners network, you can get 6 months interest-free on purchases of $250 or more, and as many as 55 interest-free days on all other purchases.

Benefits of banking with Lombard Finance

If you choose to get a Lombard Finance credit card you can expect the following benefits:

  • Interest-free shopping

Either of the Lombard Finance credit cards gives you the ability to shop interest-free for up to 48 months at any of its retail partners. Some of the popular names on this list include IKEA, Nick Scali, Dick Smith, Australian Outdoor Living, Rheem, Australian Solar Network, Escape Travel, JAXQuickfit Tyres, Goodyear, Aquanaut, and Saddleworld. Please note that minimum purchase and conditions may apply.

  • Fee-free cash withdrawals

If you wish to use your Lombard Finance credit card to withdraw cash from an ATM, you can look forward to fee-free withdrawals when you use NAB and Redi ATMs. Bear in mind the money you withdraw will attract the cash advance interest rate and fee, though.

  • Balance transfer offer

The 180 Card comes with a promotional balance transfer rate of 0% p.a. for the first 6 months. Please note that the 0% offer will revert to the standard purchase rate at the end of the promotional period.

  • Visa benefits

These cards are accepted internationally and can be used for online and over-the-phone transactions. When your card details make it to the online marketplace, Verified by Visa provides additional security.

How to apply for a Lombard Finance Credit Card

Depending on the card you’re after, you can apply for a Lombard Finance credit card by visiting any of its retail partners, over the phone, or online. Before you apply, make sure you've met the eligibility requirements and organised the necessary information:

Eligibility criteria

  • You're over 18 years old
  • You're a permanent Australian resident or an Australian citizen
  • You earn at least $25,000
  • You have good credit history

Required documents and information

To complete the application successfully you have to provide the following information:

  • Your complete name, residential address, email address, phone number, date of birth, marital status, and number of dependents
  • Your employer’s name and contact details
  • Your income and expenditure
  • Information about your assets such as property, vehicles, investments, and savings
  • Details of all existing liabilities like loans, credit cards, store cards, and lines of credit

What happens next?

Upon submitting your application you can expect a Lombard Finance representative to contact you for additional information. You can inform your payroll department about an imminent income verification call, as doing so can help quicken the process. If you’re a new Lombard Finance customer, you’ll have to complete a legally required identity verification process.

If you’re looking for a credit card that gives you the ability to shop interest-free at select merchants, getting a Lombard Finance card could be valuable. As there are other low interest credit cards on the market, make sure to compare your options before applying.

Frequently asked questions

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37 Responses

  1. Default Gravatar
    BijayNovember 16, 2018

    I want to know about the service charge taken from other bank when we withdraw cash from their ATM machine.

    • Avatarfinder Customer Care
      JeniNovember 16, 2018Staff

      Hi Bijay,

      Thank you for getting in touch with finder.

      ATM fees for non-partners are between $2-$2.50. You may refer to this page for your reference.

      I hope this helps.

      Please feel free to reach out to us if you have any other enquiries.

      Thank you and have a wonderful day!


  2. Default Gravatar
    SuzanneFebruary 12, 2018

    Can I use a Lombards card to send money gram & can I get a loan from you for this
    I have a card from you it’s a Visa debit card

    • Avatarfinder Customer Care
      MayMarch 2, 2018Staff

      Hi Suzanne,

      Thanks for your inquiry.

      Yes, you can use your Lombard credit card to pay for a money transfer with MoneyGram. You can also take out cash from this card if you need some. This will be in a form of cash advance. Depending on your card, the cash advance fee could either be 23.99% p.a. (Lombard 180 Card) or 25.90% p.a. (Lombard 55 Card).

      Aside from getting cash from your credit card, you may also like to consider checking your options for a personal loan on this page for a lower interest rate.

      Hope this helps.


  3. Default Gravatar
    MichelleAugust 4, 2017

    Hi , there are two retailers we’d like to use but one specifies a Lombard 55 and the other specifies Lombard 180. Is their one we could apply for to be able to use at both retailers?

    • Default Gravatar
      JonathanAugust 4, 2017

      Hello Michelle,

      Thank you for your inquiry.

      The cards are both Visa and Lombard’s website retailer’s list doesn’t have any distinction on which card to use. You can contact Lombard to confirm if this merchant’s request is compliant with the partnership terms.

      Hope this helps.


  4. Default Gravatar
    LiaApril 27, 2017

    Can you apply and still get approved for a Lombard interest free card if you have a flexirent account already active?

    • Avatarfinder Customer Care
      HaroldApril 28, 2017Staff

      Hi Lia,

      Thank you for your inquiry.

      The Lombard Visa Card gives you the ability to shop interest-free at any of its retail partners. You can compare your options through this section and individually check the eligibility requirements for interest free offer.

      I hope this information has helped.


  5. Default Gravatar
    TapanMarch 17, 2017

    Do you charge annual fee even if you pay off the loan in the same month?

    • Avatarfinder Customer Care
      MayMarch 17, 2017Staff

      Hi Tapan,

      Thank you for your inquiry.

      Just to confirm, are you referring to the annual fee for a credit card? If so, basically, if the annual fee is due, then you should pay it even if you have fully paid the outstanding balance in the same month.


    • Default Gravatar
      TapanMarch 17, 2017

      If so, would you refund the annual fee if the account is closed in the same month or at least pay pro-rata when the account is closed?

    • Avatarfinder Customer Care
      MayMarch 17, 2017Staff

      Hi Tapan,

      Thanks for getting back.

      If the annual fee is already billed to your account (and it appeared on your monthly statement) prior to your request to close the account, then you are still liable to pay the annual fee. Usually, the annual fee is not pro-rated. Please contact your bank directly if you need to discuss the charges on your card.


  6. Default Gravatar
    JudyOctober 14, 2016

    I have a Lombard Credit Card with an outstanding balance. Can I transfer this balance to another credit card with 0% balance transfer rate and $0 annual fee for 12+ months to enable me to pay the balance off sooner?

    • Avatarfinder Customer Care
      DeeNovember 3, 2016Staff

      Hi Judy,

      Thanks for your question.

      If you are looking for a balance transfer card with 0% balance transfer rate for 12 months and no annual fee, you can compare your options here.

      Please do check the eligibility criteria of the card you are interested in by clicking the name of the card, before submitting an application.


  7. Default Gravatar
    fabianFebruary 3, 2016

    Where do you apply for a Lombard credit?

    • Avatarfinder Customer Care
      SallyFebruary 4, 2016Staff

      Hi Fabian,

      Thanks for your question.

      I’ll send you a link to the online application for your convenience.



    • Avatarfinder Customer Care
      DebbieFebruary 4, 2016Staff

      Hi Fabian,

      Thanks for coming through finder.com.au.

      For the offers are offline at the moment via our website, please refer to the link I’ve sent in your email for credit card applications directly from Lombard Finance.

      If you would like to compare other credit cards with 0% purchase offer, kindly check this page.

      I hope this helps.


  8. Default Gravatar
    MichelleDecember 10, 2015

    I have a Lombard Visa Card that I got for an interest free purchase. If I travel overseas, can I use the Visa Credit facility overseas?

    • Avatarfinder Customer Care
      JonathanDecember 11, 2015Staff

      Hi Michelle, thanks for your inquiry!

      The Visa Credit facility is usable worldwide at any ATM or point of service which accepts Visa.



  9. Default Gravatar
    viliamAugust 26, 2015

    How can I make a payment?

    • Avatarfinder Customer Care
      SallyAugust 27, 2015Staff

      Hi Viliam,

      Thanks for your inquiry.
      A statement explaining how much you need to repay will be sent to your mail every month. You have the option to make payments via Australia Post, BPAY, mail cheques and setting up a Direct Debit.
      I hope this has helped.



    • Default Gravatar
      AngrlicaFebruary 8, 2016


      I have a bank cheque made out to Lombard how can I deposit this to my credit card ?

    • Avatarfinder Customer Care
      SallyFebruary 9, 2016Staff

      Hi Angelica,

      Thanks for your question.

      You can pay your Lombard account by cheque by addressing the cheque to Lombard Finance and including your account name and number. Please note that it’ll take 7 to 10 business days for the payment to clear in your account.

      You can send your cheque to:
      Lock bag 6500
      St Leonards
      NSW 1590

      I hope this has helped.



  10. Default Gravatar
    TamanaJuly 7, 2015

    I want to increase my credit limit. My current limit is 1600, now do I have to pay the 1600 before getting a credit increase? I usually pay more than the monthly repayments so my account is pretty well handled.
    And if so, how long does it take for the credit increase to take into effect?

    • Avatarfinder Customer Care
      SallyJuly 8, 2015Staff

      Hi Tam,

      Thanks for your question.

      To qualify to increase your credit limit you’ll need to have been Lombard customer for a minimum of 6 months with a good account history.

      To apply for a limit increase, you’ll need to contact Lombard Finance and they will review your information with you. These decisions are usually made within half an hour, though this can take longer in some cases. Once approved your limit increased will be available instantly.

      I’ve emailed you a link to Lombard Finance’s contact page so you can discuss your options for a credit increase with them directly.

      I hope this has helped.



Credit Cards Comparison

Updated February 28th, 2020
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee
HSBC Platinum Credit Card - Balance Transfer Offer
19.99% p.a.
0% p.a. for 22 months
$129 p.a.
Enjoy a balance transfer offer, yearly annual fee refund, airport lounge passes and complimentary insurance covers.
St.George Vertigo Classic
13.99% p.a.
0% p.a. for 18 months
$55 p.a.
Get 0% interest for up to 18 months on balance transfers with no balance transfer fee. Plus, a low annual fee and purchase rate.
Latitude 28° Global Platinum Mastercard
21.99% p.a.
$0 p.a.
Save with 0% foreign transaction fees on purchases. Plus, complimentary flight delay passes and a global wifi access.
Qantas American Express Ultimate Card
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$450 p.a.
Get 100,000 bonus Qantas Points, a $450 Qantas Travel Credit and 2 yearly complimentary Qantas Club lounge invitations.

Compare up to 4 providers

* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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