Lombard Finance Credit Cards

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Enjoy flexible purchasing options, up to 6 months interest-free on 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 December 4th, 2016.

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 with 1.5% balance transfer fee $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, and other features vary from card to card.

  • Interest-free cards

A typical interest-free card is one that does not attract any interest on purchases for a specific period of time, and this is what you can expect from Lombard Finance credit cards. The Lombard Visa Card gives you the ability to shop interest-free at any of its retail partners. The Lombard 55 Visa Card 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 December 4th, 2016
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 with 1.5% balance transfer fee $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 December 4th, 2016
Interest Free Period Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 18 months and an introductory purchase offer of 1% p.a. for 12 months with an annual fee waiver for the first year.
Up to 55 days on purchases 1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Go to site More info
ANZ Frequent Flyer Black
Earn 75,000 bonus Qantas Points after you spend $2,500 on eligible purchases within the first 3 months plus enjoy $0 annual fee for the first year. Plus, enjoy easy payments with Apple Pay.
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
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
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
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 1.5 Qantas Points per dollar spent.
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
Emirates Citi World MasterCard
Receive 40,000 bonus points and enjoy up to 10% off Emirates flights when you meet the spend requirement. Also pay a reduced annual fee for the first year.
Up to 55 days on purchases 20.99% p.a. 0% p.a. for 9 months $149 p.a. annual fee for the first year ($299 p.a. thereafter) Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
Up to 55 days on purchases 1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
Up to 44 days on purchases 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 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 15 months $149 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Receive 0% p.a. for 12 months on purchases, 0% p.a. for 6 months balance transfers and an exclusive $129 Virgin Australia Gift Voucher every year.
Up to 44 days on purchases 0% p.a. for 12 months (reverts to 20.74% p.a.) 0% p.a. for 6 months $129 p.a. Go to site More info
Citi Clear Platinum Card
A low rate platinum credit card with a low interest rate on purchases and balance transfers.
Up to 55 days on purchases 0% p.a. for 9 months (reverts to 14.99% p.a.) 0% p.a. for 9 months $99 p.a. Go to site More info
ANZ First Visa Credit Card
Enjoy 0% p.a. balance transfer rate for the first 18 months, a low annual fee, interest-free days on purchases and a low minimum credit limit.
Up to 44 days on purchases 19.74% p.a. 0% p.a. for 18 months with 3% balance transfer fee $30 p.a. Go to site More info
Bank of Melbourne Vertigo Visa Credit Card
Enjoy a low annual fee combined with 0% p.a. balance transfer offer for 18 months and 1% p.a. for up to 12 months on purchases.
Up to 55 days on purchases 1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
Up to 55 days on purchases 19.99% p.a. $199 p.a. Go to site More info
ANZ First Student Card
An ideal credit card for students with 44 days interest-free on purchases with $0 annual fee in the first year. Access your account on the go with the goMoney™ app.
Up to 44 days on purchases 19.74% p.a. $0 p.a. annual fee for the first year ($30 p.a. thereafter) Go to site More info
Bank of Melbourne Vertigo Platinum
A platinum card with a low balance transfer offer of 0% p.a. interest for 18 months and 1% p.a. for 12 months on purchases combined with complimentary insurance covers.
Up to 55 days on purchases 1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Go to site More info
NAB Low Fee Card
Enjoy a low introductory rate of 0% p.a. on balance transfers and purchases for 15 months.
Up to 44 days on purchases 0% p.a. for 15 months (reverts to 19.74% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $30 p.a. Go to site More info
BankSA Vertigo Platinum
Enjoy 0% balance transfer rate for 18 months and 1% purchase rate for 12 months if you apply and are approved by 4 January 2017.
Up to 55 days on purchases 1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Go to site More info
BankSA Vertigo Visa
A low interest rate card with a low annual fee, a long term balance transfer offer of 0% p.a. for 18 months and an introductory offer of 1% p.a. for 12 months on purchases.
Up to 55 days on purchases 1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Go to site More info
Citi Rewards Platinum Card - Cashback Offer
Earn $250 cashback on eligible spend, plus enjoy 0% p.a. balance transfer offer for 12 months, discounted annual fees for the life of the card and a complimentary travel insurance.
Up to 55 days on purchases 20.99% p.a. 0% p.a. for 12 months $99 p.a. annual fee for the first year ($199 p.a. thereafter) Go to site More info
Virgin No Annual Fee Credit Card
No annual fee for the life of the card with $100 cashback and a 0% p.a. offer on balance transfers for 18 months. Spend criteria applies for cashback offer.
Up to 44 days on purchases 18.99% p.a. 0% p.a. for 18 months with 2% balance transfer fee $0 p.a. 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 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.

  • 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, though.

  • Balance transfer offers

The 180 Visa Card comes with a promotional balance transfer of 0% p.a. for the first 6 months. So if you have an existing debt that's collecting interest, you could repay it without the burden of interest for the first 6 months with this promotional offer. Note that a 1% balance transfer fee applies and the interest rate will revert to the standard cash advance rate when the promotion ends.

  • 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. Secure an online application form, but make sure you meet the eligibility criteria, as listed below:

Eligibility criteria

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

Required documents

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 basic no-frills credit card that gives you the ability to shop interest-free at select merchants, getting a Lombard Finance card could be valuable. Given that there are other cards that offer this feature, don’t forget to compare offerings from different financial institutions before you apply.

Frequently asked questions

How quickly can I complete the online application?

The online application takes no more than 10 to 15 minutes to complete, provided you have the required information close at hand.

How can I make repayments towards my card?

You can make repayments by setting up direct debits, by using BPAY, by mailing cheques, and through Australia Post offices.

How can I locate Lombard Finance’s retail partners?

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.

Do these cards come with daily withdrawal limits?

You can spend up to $5,000 per day when making EFTPOS purchases. For cash withdrawals, you can withdraw up to $500 per day from NAB and Redi ATMs and up to $490 from other ATMs.
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American Express Essential Credit Card
American Express Essential Credit Card

Interest rate

14.99

Annual fee

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ME Bank frank Credit Card
ME Bank frank Credit Card

Interest rate

11.99

Annual fee

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HSBC Platinum Credit Card
HSBC Platinum Credit Card

Interest rate

19.99

Annual fee

149

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23 Responses to Lombard Finance Credit Cards

  1. 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

  2. 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

  3. 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

  4. 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

  5. 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

  6. 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

  7. Default Gravatar
    alesha | December 22, 2014

    Can i use my lombard card i got when i brought a ps4 in dicksmiths. 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

  8. 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

  9. Default Gravatar
    Tass | June 20, 2014

    My application had been approved where is the checkout?

    • Staff
      Shirley | June 23, 2014

      Hi Tass,

      Thanks for your question.

      If you are not required to submit any additional documents regarding your application, please allow up to 2 weeks for your card to arrive in the mail.

      Cheers,
      Shirley

Credit Cards Comparison

Rates last updated December 4th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
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
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
11.99% p.a. $0 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
19.99% p.a. $199 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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