Lombard Finance Credit Cards

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Enjoy flexible purchasing options, up to 6 months interest-free on card purchases of $250 or more, plus 0% interest for up to 48 months with participating retailers with a Lombard Finance credit card.

Lombard Finance, a leading Australian consumer finance company, is part of the publicly listed Flexigroup. It offers an array of financial products to Australians, in the form of in-store finance and Visa credit cards. Some of its offerings include interest-free and interest bearing finance, deferred payment plans, and lines of credit.

Lombard Finance boasts an extensive network of retail partners, not just in Australia, but overseas as well. These retail partners spread across categories like furniture, computers, electrical appliances, solar appliances, home improvement, travel, outdoors, and more.

Use this guide to compare your credit card options and discover how you can save on interest with a variety of retailers with Lombard Finance.

Comparison of Lombard Finance Credit Cards

Rates last updated May 26th, 2017.

Lombard 180 Card

BT offer has been updated from 0% to 18 months to 0% for 6 months.

May 13th, 2016

View latest updates

Jonathan Choi Jonathan
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Lombard 180 Card
Receive 0% p.a. for the first 6 months on balance transfers and interest-free purchases for the first 6 months.
0% p.a. for 6 months (reverts to 22.99% p.a.) 0% p.a. for 6 months $99 p.a. More info
Lombard 55 Visa Card
With the Lombard 55 Visa Card you can look forward to enjoying up to 55 interest-free days on purchases by shopping at participating retail partners.
25.90% p.a. $99 p.a. More info

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 Visa 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 Visa 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.

Rates last updated May 26th, 2017
Interest Free Period Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Lombard 180 Card
Get 6 months interest-free on purchases of $250 or more, up to 55 interest-free days on purchases under $250.
Up to 55 days on purchases 0% p.a. for 6 months (reverts to 22.99% p.a.) 0% p.a. for 6 months $99 p.a. More info
Lombard 55 Visa Card
With the Lombard 55 Visa Card you can look forward to enjoying up to 55 interest-free days on purchases by shopping at participating retail partners.
Up to 55 days on purchases 25.90% p.a. $99 p.a. More info
Rates last updated May 26th, 2017
Interest Free Period Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Also, enjoy an annual fee waiver in the first year.
Up to 55 days on purchases 0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
HSBC Platinum Credit Card
Earn reward points with high credit limits, prestige services including a personal concierge service.
Up to 55 days on purchases 19.99% p.a. 0% p.a. for 22 months with 2% balance transfer fee $99 p.a. Go to site More info
ANZ Frequent Flyer Black
Receive 75,000 bonus Qantas Points when you spend $2,500 on eligible purchases within the first 3 months, plus earn up to 1 point for every dollar spent on eligible purchases. Also, earn 75 Bonus Status Credits when you apply by 30 June 2017, buy and fly return with Qantas by 30 September 2017.
Up to 55 days on purchases 19.99% p.a. $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
ANZ Rewards Platinum
Receive 50,000 bonus Reward Points when you spend $2,500 within the first 3 months plus enjoy a $0 annual fee for the first year.
Up to 55 days on purchases 18.79% p.a. $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info
American Express Essential®  Credit Card
A no annual fee card that collects up to 1 Membership Rewards point for every $1 spent.
Up to 55 days on purchases 14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
BankSA Vertigo Visa
Save with 13.24% p.a. on purchases. Also enjoy up to 55 days interest-free.
Up to 55 days on purchases 13.24% p.a. 0% p.a. for 14 months $0 p.a. annual fee for the first year ($55 p.a. thereafter) Go to site More info
HSBC Platinum Qantas Credit Card
Fly faster with up to 1 Qantas Point per $1 spent and receive bonus Qantas Points on selected Qantas products, services and partners.
Up to 55 days on purchases 19.99% p.a. $199 p.a. Go to site More info
Bank of Melbourne Vertigo Platinum
Save with 12.74% p.a. on purchases. Also enjoy up to 55 days interest-free.
Up to 55 days on purchases 12.74% p.a. 0% p.a. for 20 months $99 p.a. Go to site More info
Bankwest Breeze Mastercard
Take advantage of a long term balance transfer offer of 0% p.a. for 21 months and enjoy up to 55 interest-free days on purchases.
Up to 55 days on purchases 12.99% p.a. 0% p.a. for 21 months with 2% balance transfer fee $59 p.a. Go to site More info
ANZ Frequent Flyer Platinum
Get 50,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months. Enjoy a waived annual fee for the first year and earn up to 0.75 Qantas Points for spending.
Up to 55 days on purchases 19.99% p.a. $0 p.a. annual fee for the first year ($295 p.a. thereafter) Go to site More info

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 Visa 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 cash advance 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

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.
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ANZ Platinum Credit Card - Exclusive Offer
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St.George Vertigo Platinum

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29 Responses to Lombard Finance Credit Cards

  1. Default Gravatar
    Lia | April 27, 2017

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

    • Staff
      Harold | April 28, 2017

      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.

      Cheers,
      Harold

  2. Default Gravatar
    Tapan | March 17, 2017

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

    • Staff
      May | March 17, 2017

      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.

      Cheers,
      May

    • Default Gravatar
      | March 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?

    • Staff
      May | March 17, 2017

      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.

      Cheers,
      May

  3. Default Gravatar
    Judy | October 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?

    • Staff
      Anndy | November 3, 2016

      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.

      Cheers,
      Anndy

  4. Default Gravatar
    fabian | February 3, 2016

    Where do you apply for a Lombard credit?

    • Staff
      Sally | February 4, 2016

      Hi Fabian,

      Thanks for your question.

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

      Cheers,

      Sally

    • Staff
      Debbie | February 4, 2016

      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.

      Cheers,
      Debbie

  5. Default Gravatar
    Michelle | December 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?

    • Staff
      Jonathan | December 11, 2015

      Hi Michelle, thanks for your inquiry!

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

      Cheers,

      Jonathan

  6. Default Gravatar
    viliam | August 26, 2015

    How can I make a payment?

    • Staff
      Sally | August 27, 2015

      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.

      Cheers,

      Sally

    • Default Gravatar
      Angrlica | February 8, 2016

      Hello,

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

    • Staff
      Sally | February 9, 2016

      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.

      Cheers,

      Sally

  7. Default Gravatar
    Tam | July 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?
    Help??

    • Staff
      Sally | July 8, 2015

      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.

      Thanks,

      Sally

  8. Default Gravatar
    Belinda | July 6, 2015

    I was wanting to purchase some furniture from focus on furniture which will retail for approx $5600.00. I was hoping to take advantage of the 48 months interest free through Lombards. Aside from the $99 p.a fee are there any other costs (aside from our monthly repayments) that we will have to make?

    • Staff
      Sally | July 6, 2015

      Hi Belinda,

      Thank you for your question.

      I’m not sure if you’re referring to the Lombard Finance 180 Visa Credit Card or the Lombard 55 Visa Card, so I’m unable to confirm the exact fees.

      I’ve sent you an email with a link to the fees involved with the Lombard 55 Visa Card and the 180 Visa Credit Card.

      I hope this has helped.

      Thanks,

      Sally

  9. Default Gravatar
    alesha | December 22, 2014

    Can i use my lombard card i got when i brought a ps4 in dicksmith. If so how do i do cash advance can u use it in atm machine
    Thanks

    • Staff
      Elizabeth | December 22, 2014

      Hi Alesha,

      Thanks for your question.

      You’re able to use a card for a cash advance, you can do this by simply inserting your card in an ATM and entering your PIN. Keep in mind you’ll be charged the cash advance rate (listed in the table on this page) for this type of transaction.

      I hope this has helped.

      Thanks,

      Elizabeth

  10. Default Gravatar
    kel | December 17, 2014

    i have only just recently been discharged from bankruptcy (July this year) due to marriage breakdown,i have full time job and have been in it for 5years. would it be possible to apply for a card?

    • Staff
      Elizabeth | December 17, 2014

      Hi Kel,

      Thanks for your question.

      Following bankruptcy your name will appear on credit reporting agencies records for two years from the date you were discharged, or up to five years from the date you became bankrupt (whichever is later). You’ll need to confirm with your trustee that all your dents have been finalised as the administration of your bankruptcy may continue after you have been bankrupt.

      You may want to order a free copy of your credit file to see what kind of state your credit history is currently in before you apply for any credit cards.

      I hope this has helped.

      Thanks,

      Elizabeth

    • Default Gravatar
      Polly | February 23, 2016

      Which credit reference agency do Lombard use for their credit checks
      Thanks

    • Staff
      Jonathan | February 23, 2016

      Hi Polly, thanks for your inquiry!

      The Credit Reporting Bodies include Dun & Bradstreet and Veda Advantage.

      Cheers,

      Jonathan

Credit Cards Comparison

Rates last updated May 26th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Exclusive Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent within the first 3 months, plus a $129 Virgin Australia Gift Voucher each year.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
HSBC Platinum Credit Card
Earn 1 Reward Point per $1 spent and receive an annual fee refund with minimum spend.
19.99% p.a. 0% p.a. for 22 months with 2% balance transfer fee $99 p.a. Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Also, enjoy an annual fee waiver in the first year.
0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
NAB Premium Card
An introductory rate of 0% p.a. for 24 months on balance transfers combined with premium benefits such as travel insurance covers.
19.74% p.a. 0% p.a. for 24 months with 3% balance transfer fee $90 p.a. Go to site More info

* 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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