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 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
Rates last updated October 21st, 2019
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.
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:
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.
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:
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
The online application takes no more than 10 to 15 minutes to complete, provided you have the required information close at hand.
You can make repayments by setting up direct debits, by using BPAY, by mailing cheques, and through Australia Post offices.
You can find a complete list of Lombard Finance retail partners on its website, and you can also get the information you need over the phone.
* The credit card offers compared on this page are chosen from a range of credit
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