Lombard Finance Visa Credit Card Classic – Rates and Fees

Spend globally, pay no interest with partnered retailers and redraw funds with the Lombard Finance Visa credit card.

Important Information

The Lombard Finance Visa Classic Credit Card is no longer available for new applications. However, we've kept the information online for the benefit of existing customers and for those who are interested.

You can compare the current range of Lombard Finance credit cards here.

This credit card lets you obtain interest free finance if you choose to buy from any of the eligible partner retailers which include retail giants such as IKEA, Fantastic Furniture, 2nds World and Repco. The length of the interest free period is decided by the retailer.

This means you can pay for things you would like to have or replace your older furniture, and not have to pay any interest on it until the period ends, allowing you time to pay off your purchases.

Lombard Finance Visa Credit Card Classic review

Interest charges are one of the main reasons people can get into credit card debt. The ability to shop interest free at Lombard retail partners means you can have what you want, without the fear of spiralling costs. You’re also getting the full coverage VISA acceptance gives you. Take your card anywhere in the world and use it wherever you see the VISA sign. You can even withdraw money from ATMs at NAB and Redi machines without a fee.

Benefits of being a Lombard Finance Credit Cardholder

  • Use your card anywhere in the world. Use your Lombard Finance credit card at millions of vendors around the globe with VISA acceptance.
  • Redraw your funds. Lombard gives you the ability to withdraw your credit as you pay it back in the event you need to purchase other items.
  • Repay your account with flexibility. Lombard allows this card to be paid off using BPAY, Direct Debit, via cheque or at the post office.
  • Shop safely online with 'Verified by Visa'. This system gives you another layer of safety. After setting the system up with Lombard, you'll be protected at any participating online store. Whenever a purchase is made at a participating store you'll have to confirm you've agreed to it, eliminating the possibility of a scammer using your details to make purchases.

Features of the Lombard Finance Credit Card

  • Low minimum credit limit. If you don't want to risk the temptation of a high credit limit, you can open your Lombard Finance account with just a $500 limit.
  • Shop interest free with dozens of retail partners. Save hundreds in interest charges by shopping with the pool of popular Lombard retail partners.
  • Low annual fee. Enjoy low annual fee of $99 monthly account keeping fee $2.90 and an application fee of $60 for all new cards.
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6 Responses

  1. Default Gravatar
    SarahNovember 4, 2015

    Can you please tell me if you have on offer 24mths interest free on the credit cards?? And if not what is the highest period of non interest period do you have please?
    Thank you!

    • finder Customer Care
      JonathanNovember 4, 2015Staff

      Hi Sarah, thanks for your inquiry!

      Depending on the purchase you are looking to make, the Lombard Finance 180 Visa credit card can provide up to 48 months interest free on purchases with selected partners. You may also like to compare 0% Purchase credit cards which can provide up to 15 months interest free on purchases.



  2. Default Gravatar
    KirstenJune 20, 2013

    If I were to buy some furniture from Fantastic Furniture on your 6 months interest free plan, what happens if i don’t pay it off in that time? eg; If I were only able to pay $1000 in the 6 mths, off a $1500 purchase, what is the interest charged for the remainder $500? Can you calculate and tell me how much the fortnightly repayments would be?

    • finder Customer Care
      JacobJune 24, 2013Staff

      Hi Kirsten. Thanks for your question. The ongoing interest rate for purchases with this card is currently 25.90%. If you don’t pay the entire balance taken out under an interest free promotional period, it will be charged at the purchase rate of interest. You will get your statement every month, so you will need to make monthly repayments, although you can pay the balance back as frequently as you’d like. You will need to make at least the minimum monthly repayment, which is currently 3% of the total balance owing. You can find out how to calculate your credit card repayments on this page. Jacob.

  3. Default Gravatar
    benApril 18, 2013

    why your finder adverts so bad?

    • finder Customer Care
      JacobApril 18, 2013Staff

      Hi Ben. Thanks for taking the time to watch them. Please let us know how we can improve? Your question has been changed as I do not tolerate swearing across this forum. Jacob.

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