Lombard 180 Card

Information verified correct on December 9th, 2016

Get 0% interest for 6 months on purchases greater than $250 with the Lombard 180. Also consolidate your debts with 0% for 6 months on balance transfers.

The Lombard 180 is designed to offer affordable cash flow and flexibility, with up to 6 months interest-free on all purchases over $250. It also offers up to 55 interest-free days on other purchases when you pay your balance in full by the due date on each statement.

If you need to consolidate existing debt, you can take advantage of 0% on balance transfers for the first 6 months when requested at the time of your application.

Product NameLombard 180 Card
Balance transfer rate (p.a.)0% p.a. for 6 months with 1.5% balance transfer fee
Balance Transfer Revert Rate
The interest rate after the balance transfer ends.
Cash Advance Rate (22.99% p.a.)
Purchase rate (p.a.)0% p.a. for 6 months (reverts to 22.99% p.a.)
Annual fee$99 p.a.
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 55 days on purchases
Cash advance rate (p.a.)22.99% p.a.
Min credit limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
$1,000
Max credit limit
This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account.
$30,000
Minimum Monthly Repayment3% or $30 (whichever is greater)
Minimum Income$25,000
Card TypeVisa
Late Payment Fee$35
Foreign Currency Conversion Fee (VISA)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3% of transaction value
Complimentary Travel InsuranceNo
Available To Temporary ResidentsNo
Joint ApplicationYes
Minimum Income$25,000
Minimum Age18 years of age
Available to Temporary ResidentsNo
Credit Rating Requirement
Credit rating requirement is provided only as a guide. Understanding your credit file helps you make more informed decisions in regards to your finances. Learn more about what this means here.
Good
Min Credit Limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
$1,000
Max Credit Limit
This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account.
$30,000
Annual Fee$99 p.a.
Minimum Repayment3% or $30 (whichever is greater)
Late Payment Fee$35
Cash Advance Fee$3.00 or 3% of the total cash advance amount
Overseas Emergency Replacement$50-200
Foreign Currency Conversion Fee (VISA)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3% of transaction value
Gambling Transactions AllowedNo
BPAYYes
ChequeYes
Direct DebitYes
Australia PostYes
Internet Banking TransfersYes

Lombard 180 Card review

If you have a large purchase on your wish list but aren’t prepared to pay interest, the Lombard 180 could be worth considering. This card offers 6 months interest-free on purchases over $250. It also offers up to 55 interest-free days on other purchases if you pay your balance in full.

In addition to these interest-free purchase options, you can take advantage of the promotional offer of 0% for 6 months on balance transfers requested at the time of your application. A balance transfer fee applies for this offer. The Lombard 180 also offers a minimum credit limit of $1,000 and charges an annual fee of $99.

Benefits of the Lombard 180 Card

    • Balance transfer offer. Consolidate debt with0% on balance transfers for the first 6 months. A balance transfer fee of 1.5% applies.
    • Up to 6 months interest-free on purchases over $250. Spread out the cost of larger purchases and pay them off without accruing interest for 6 months.
    • Up to 55 interest-free days for other purchases. The Lombard 180 Card gives you the ability to purchase regular items and make the most of up to 55 days without having to pay interest, as long as you pay your balance in full by the due date on your statement.
    • Card personalisation. The Lombard 180 comes in three unique designs to suit the wildest or even most conservative spenders.
  • Extended interest-free periods. Lombard retail partners can also grant cardholders longer interest-free periods of up to 48 months, which can take the pressure off when paying for more expensive items.

Features of the Lombard 180 Card

  • Annual fee. You’ll be charged $99 per year for this card.
  • Interest rate. This card has a standard variable rate of
  • Cash advance fee. This card charges , whichever is greater.
  • Minimum monthly repayment. Cardholders must pay a minimum of 3% or $30 each month.
  • Worldwide acceptance. You can look forward to using this card worldwide wherever Visa is accepted.
  • Minimum credit limit. The card offers a minimum credit limit of $1,000.

How to apply for a Lombard 180 Card

You can apply for the Lombard 180 Card online in around 10 to 15 minutes. Make sure you meet the following eligibility requirements before applying:

Eligibility criteria

  • You must be over 18 years of age
  • You must have a good credit rating
  • You must be a permanent Australian resident
  • You must be a full-time, permanent part-time or permanent casual employee with more than 25 hours of work a week or earn over $25,000 gross per year.

Required documents

  • Personal details. This includes your full name, residential information, email address, phone number and driver's licence number.
  • Employment details. This includes your current position, length of employment, salary and employer's contact details. You may also be required to provide recent payslips or tax statements.
  • Financial details. This includes details of any assets you have, such as shares or savings, as well as any existing debts and ongoing payments such as rent or household bills.

Once you’ve completed and submitted the application, you can expect to receive a response within 30 minutes.

If you have some larger purchases in mind but want to save on interest, the Lombard 180 could be of interest to you. However, as this isn’t the only card of its kind, you’ll need to compare your options to find the right card for you.

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12 Responses to Lombard 180 Card

  1. Default Gravatar
    | September 18, 2016

    What is my cash advance limit with my lombard 180 card

    • Staff
      May | September 19, 2016

      Hi Erwin,

      Thank you for your inquiry.

      Whatever credit limit you’ll be approved for, that will also be your cash advance limit. So for Lombard 180 Card, the minimum credit limit you might have is $1,000 and the maximum limit is $30,000.

      Cheers,
      May

  2. Default Gravatar
    Dennis | October 28, 2015

    Can I used this lombard card to any store

    • Staff
      Debbie | October 28, 2015

      Hi Dennis,

      Thank you for your inquiry. Please refer to the link I’ve sent in your email for the list of Lombard’s retail partners.
      I hope that helps.

      Cheers,
      Debbie

  3. Default Gravatar
    Aaron | September 17, 2015

    I currently have dick smith 55 Lombard visa /credit card is it possible to transfer to the 180 card or is a new application required

    • Staff
      Jonathan | September 21, 2015

      Hi Aaron, thanks for your inquiry!

      Yes, you can transfer existing credit cards to Lombard Finance 180 Visa credit card. To proceed with the application, you may need to complete the online application form from their website or speak to a customer representative from Lombard Finance.

      For a list of credit cards that offers balance transfer, kindly check this page.

      I hope this helps.

      Cheers,

      Jonathan

  4. Default Gravatar
    Cheryl | December 29, 2014

    If you get interest free promotion is there a fee if you pay it out early?
    also is there charges is you pay via direct debit or over the counter at the post office.

    • Staff
      Elizabeth | December 29, 2014

      Hi Cheryl,

      Thanks for your question.

      There’s no fee for paying out your balance early. When making payments, you’ll be charged a payment handling fee of $10 each time you make a payment other than by direct debit and BPAY.

      I hope this has helped.

      Thanks,

      Elizabeth

  5. Default Gravatar
    Geoff | December 30, 2013

    I’m just wondering how long the interest free period is for car repairs?

    Thanks.

    • Staff
      Jacob | December 30, 2013

      Hi Geoff.

      The same interest free period applies to all purchases over $250. You can find more information about this in the above article.

      Thanks for your question.

  6. Default Gravatar
    david | October 8, 2013

    How do I go about doing a pre-approval for a lombard card? Thanks.

    • Staff
      Jacob | October 8, 2013

      Hi David.

      We currently do not offer an application link through our website. If you would like to apply for this card, please visit the Lombard Finance website and apply with them directly.

      Thanks for your question.

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