Card Overview

Balance transfer rate- 4.99% p.a. for 9 months
Interest rate- 19.24% p.a.
Cash advance fee- 21.99% p.a.
Interest free days- Up to 55
Annual fee- $120
Reward program- Yes
Card type- MasterCard

Features and Benefits

• Earn 1 Qantas Frequent Flyer Point for each $2 you spend using the card.
• Free airline travel and accident insurance when you book tickets using your card.
• Enjoy up to 12 months additional warranty on products you buy.
• 3 months insurance against loss, theft, or damage to new purchases.
• Up to 55 days interest free days on purchases.
• Attractive balance transfer rate of just 4.99% p.a. for 9 months.

A World of Extras

The Bankwest More Gold Qantas automatically entitles you to benefit from the More Rewards program, and gives you access to a host of free insurances and warranties.

Anything you buy with your card will be covered by up to 3 months protection from loss, damage, and theft, and when you buy air travel using your More Gold you’ll automatically receive travel and accident insurance. For those that travel regularly this feature alone could save you a small fortune over the course of a year.

New customers who opt in to the Qantas Frequent Flyer Program also gain a bonus 5000 points when they make their first eligible purchase. Plus you’ll be offered great discounts and incentives from the MasterCard Moments scheme.

Optional Payment  Insurance

Let’s face it. You never know when bad luck will strike and you’re forced out of work due to illness or injury. St Andrew’s Credit Card Protection will pay 7% of your outstanding balance for a period of up to 36 months whilst you’re incapacitated.

In the unfortunate event of your death your family will have peace of mind knowing St Andrew’s will repay your balance in full, so they’re not left with the debt. It only costs 55 cents for every $100 outstanding on your balance, and is well worth it for the protection it gives your loved ones.

How to Apply

You can apply for your More Gold Qantas card in 4 ways.

• By telephone.
• By post.
• By popping into your local branch.
• By filling in an online application.

Pros

• Low balance transfer rate.
• Up to 55 days interest free.
• Rewards program.
• Free insurances.
• Free additional warranty.
• Special offers and discounts.

Cons

• The Qantas Frequent Flyer program costs $30 to join.

This Card Would Suit…

Customers who use their credit card for most everyday purchases, or those who like to travel. If you’re well organised and disciplined in your finances then this card can help you save a bundle of money over the course of a year. The fact it’s a Gold card means you’ll need a pretty good credit score to be accepted as a customer.

Card Overview

Balance transfer rate- 4.99% p.a. for 9 months
Interest rate- 18.99% p.a.
Cash advance fee- 21.99% p.a.
Interest free days- Up to 55
Annual fee- $190
Reward program- Yes
Card type- MasterCard

Features and Benefits

• Low balance transfer rate saves you money on existing debt.
• 1 Qantas Frequent Flyer point for every $1 you spend.
• 24 hour a day concierge service there to help you with anything from hotel and theatre bookings, through to buying a birthday present for a loved one.
• 20,000 bonus Frequent Flyer points when you make your first eligible purchase.
• Complete travel and accident insurance when you book tickets on your card.
• No charges for foreign exchange.
• Plus all the benefits of the More Gold Qantas card.

Ideal for Travel

This credit card is perfect for those who spend time travelling on business. You’ll save money on travel insurance everytime you go away, and by booking your tickets using your Platinum card you’ll also be earning reward points.

Forgotten to buy your other half a birthday or anniversary present? Don’t panic!

Just give your 24 hour concierge service a call and they’ll organise dinner and tickets to a show. Not sure where the nearest florist is? Again, just ring concierge and they’ll tell you where to go.

They’ll even arrange for the flowers to be sent for you!

Protect Your Payments

You can buy payment protection insurance from St Andrew’s as an optional extra, and this is something worth considering. St Andrew’s will pay 7% of your balance each month for up to 36 months in the event you’re off work due to illness or accident.

In the event of your death, they’ll repay your balance in full so your loved ones won’t have to take on the debt for you.

At just 55 cents for every $100 you owe it doesn’t cost much either.

How to Apply

If you live near a Bankwest branch you can apply in person. If you prefer you can apply over the phone, by post, or by filling in the online application form. In most cases you’ll get a fast decision so you can start enjoying the benefits of being a customer.

Pros

• Low balance transfer rate.
• Up to 55 days interest free.
• All the benefits of the More Gold card.
• Up to 20,000 bonus Frequent Flyer points for new customers.
• Exclusive concierge service.

Cons

• The annual fee is a little higher than the other cards in the Bankwest range.

This Card Would Suit…

Those who want a high level of customer service and don’t mind paying a little extra for it. Although the annual fee on this card is higher than other cards in the range, the features and benefits you get in return make it worth the additional investment.

Being a Platinum card, only those with the cleanest of credit scores is likely to be accepted as a customer.

If you join the Qantas Frequent Flyer program you’ll also earn points you can put towards air travel, or hotel stays in the exotic getaway of your choice.

Card Overview

Balance transfer rate- 4.99% p.a. for 9 months
Interest rate- 19.24% p.a.
Cash advance fee- 21.99% p.a.
Interest free days- Up to 55
Annual fee- $89
Reward program- Yes
Card type- MasterCard

Features and Benefits

• New customers get a special low rate of 4.99% p.a. for 9 months on any balance you transfer to your Classic card.
• Enjoy up to 55 days interest free on your purchases.
• For every $2 you spend on eligible purchases you’ll be rewarded with 1 Qantas Frequent Flyer point.
• Have up to 3 additional card holders to help you earn reward points even quicker.
• It’s a MasterCard Paypass Card which means you can just tap and go.

How The Rewards Work

When you become a customer you’ll automatically qualify for the Bankwest More Rewards Store program, and have access to a wealth of exciting gifts and rewards. If you want to join the Qantas Frequent Flyer program to earn points towards travel rewards you’ll have to pay a fee of $30 to opt in.

If you’re a regular credit card user, and someone that travels it will be well worth investing in the opt in charge.

Extras

St Andrew’s Credit Card Protection comes at a cost of 55 cents for each $100 you owe on your Bankwest More Classic Qantas, but keeps you protected against illness or accidents that prevent you from working.

If you lose your income, St Andrew’s will pay 7% of any outstanding balance each month, and in the event of your death they’ll repay the whole debt so your family aren’t left paying the bill.

Although this is an optional extra, in an uncertain world it’s definitely worth your consideration.

How to Apply

Application for the More Classic couldn’t be easier, and Bankwest give you a number of options. You can complete their online application, you can send a postal application, you can phone them up, or you can pop into your local branch and go through your application in person.

Just remember to have the relevant details and documents with, including your income and expenses, your employment details, and some identification.

Pros-

• Low balance transfer fee.
• Earn reward points each time you spend.
• Interest free days mean more time to pay for your purchases.

Cons-

• you could count any fee as a negative. The Qantas Frequent Flyer program fee of $30 to opt in.

This Card Would Suit…

Those in full time employment, who use their credit card to make most purchases. This would give you the best chance to maximize your reward points earning potential. The More Classic is also recommended for those looking to save some money on an existing credit card debt because of the special 4.99% p.a. for 9 months balance transfer rate you receive.

This is the person who needs a card for use in their daily lives. This person wants to buy the things they need and access their funds anytime, but doesn’t want to waste a lot of money on fees and interest. This person is not looking to earn airline miles or travel points, they just want to use their credit card and then pay off their balance without being charged an arm and a leg. It is for this type of cardholder that Heritage offers the Classic credit card with no frills. This card offers everything you want and nothing that you don’t!

You Still Get Great Features

Just because you don’t need a credit card that charges high fees and rates does not mean you don’t want great features. The card has plenty of useful features for the average credit card user. This card can offer you a credit limit as small as $1,000 or as large as $10,000, depending on your previous credit history. This gives you everything you to buy what you need. You can create links your other types of transaction accounts to your  card, meaning that you will be able to make purchases and pay bills on a single card. This will also improve security because when you are out shopping you will only have to carry one card instead of several cards and a bunch of cash. This will reduce your risk of loss and theft. The card offers a wide array of different repayment options as well, so you can pay off your monthly balance as it best suits you.

The card has no annual fee for use. This means that you are not charged a fee per year just for the privilege of using the card. The card also has a low interest which is 11.80% p.a.. This means that you can use the card to make both large and small purchases without paying a ton in interest rates. This credit card does not have any zero interest days, so you don’t have to worry about paying off a balance before a zero interest deadline.

The card also lets you personalise your card for only $15! You can make your Classic card a statement of your individuality or just enjoy your favourite photo every time you go shopping. Heritage has a photo uploading program on their website chooseyourowncard.com. This program allows you to upload any photo you want onto your credit card. You can easily pick a picture from your hard drive or choose from a variety of stock photos. Heritage lets you upload, alter and change your picture as many times as you want. All you do is simply pick your picture out, use the pictures tools to alter it to fit on your card and send it off to be printed! It’s that easy!

Complete Access

One of the features required of any good credit card is accessibility. You have to be able to use your card where and when it is necessary. Because the card is part of the Visa network, you can shop at thousands of Visa accepting merchants all over the world. You can shop online, over the phone and pay your bills in a safe and secure way. Anywhere that you see the Visa logo you will be able to use your card.

You also may have to find out your balance or make a cash advance withdraw on your card anytime and anywhere. To help make your life easier Heritage has joined together with Westpac bank, St.George banks and BankSA to form the Heritage ATM network. Now, anytime you want to access your account balance or make a cash advance withdraw you will be able to do so at any time at one of the more than 2900 ATM locations all throughout Australia. This will give access to information and funds 24 hours a day, 7 days a week. Any of the transactions you make will also be fee free because they will be included in your Fee Free Zone which is offered for each calendar month. Some transactions may cost an additional $1.75 but you will never be charged any ATM operator fees. This is just one more way that Heritage makes your life easier.

Verified By Visa

The card also offers you Verified By Visa, which helps prevent fraudulent purchases on your card by utilizing a specific PIN number. This helps you to be sure that purchases that you make both online and in person are protected by theft liability from Visa. The card also gives you access to Visa Entertainment, which can get you the best deals on sports, movie, concert and theatre tickets. So stop wasting your money on credit cards will tons of frills that you do not use.You have better ways to spend your money on than your credit card.

Interest rates, fees & charges

• Balance transfer rate – 2.9% p.a. for 24 months
• Standard purchase rate – 18.99% p.a.
• Cash advance rate – 18.99% p.a.
• Annual fee – $0
• Establishment fee – $69
• Minimum income requirement – $30,000 p.a.
• Additional card holders – 1

Benefits

Apply for a loan up to $30,000 depending on your financial situation and take advantage of the exclusive rewards only available to Citibank customers. Take advantage of Citibank’s Dining Program and receive a complimentary bottle of award winning wine with your meal at selected restaurants when you pay with your Citibank debit card.

Get exclusive access to Visa’s range of entertainment options including, movies, adventure packs and prize give-aways and receive 25% of shopping and dining with Citibank world privileges.  

To apply for the Citibank Read Credit Loan you must:

• Be over 18 years old.
• Have a good credit rating.
• Earn a taxable income of $30,000 per year or more.
• Be a permanent Australian resident.

If you meet the criteria the application process is easy to complete and can be done from the comfort of your home. The process is secure and it takes about 10 minutes to complete. You will receive conditional approval within a minute of finishing you application and if additional information is required you will be contacted within 24 hours.

Introducing the CUA Platinum MasterCard offering versatility for those looking to go beyond the normal selection of credit card rewards programs.

CUA Platinum MasterCard

Offering 1.25 points for every dollar spent on everyday purchases, your CUA MasterCard will be your ultimate companion whether you’re overseas, at the shopping centre or taking the family to the movies. The only thing you can not earn rewards for are balance transfers, cash advances and special promotions, so spend away and watch the points accumulate.

Rewards

With a world of gifts and offers at your finger tips, you will never be stuck wondering how to spend your rewards points ever again. For those who like to travel, pay for your flight, your hire car and hotel room using your rewards points. While those who like to have their feet planted on the ground, exclusive offers for the hottest ticket in town are all available at the click of a mouse through the Citigroup’s Card Services Direct website.

The CUA Platinum MasterCard also gives you the option of putting your points towards paying off the outstanding balance of your credit card. It’s never been so easy to earn and spend at the same time.

CUA Platinum features

Here are the ins and outs of the CUA Platinum MasterCard.

• 1.25 rewards points for every dollar spent on every day purchases.
• 20.24% p.a. on purchases.
• 21.24% p.a. on cash advances.
• 0% p.a. for 9 months on balance transfer.
• Minimum income $50,000 p.a. required for application.
• $89 for the first year ($179 thereafter ) annual fee.  
• Points capped at 60,000 per year.
• Order up to 4 additional cards free of charge.
• 55 days interest free on purchases.  

Guaranteed Pricing Scheme

Possibly the greatest feature on this card is the Guaranteed Pricing Scheme. You will never miss out on a bargain price ever again. If you bought an item for regular retail price and it goes on sale a week later, you will be fully refunded the difference in price. Why wait for the December sales?

Concierge service

What would a Platinum Credit Card be without a concierge service? The CUA Platinum MasterCard offers a world of knowledge available at the push of a button, 24 hours a day, 7 days a week, anywhere in the world. If successful in your application, don’t hesitate to give them a call and try the service out. They’re here to help with whatever query no matter how large or small.

Travel Insurance

Make sure you are your family are prepared for the worst with complimentary travel insurance. Whether your heading overseas, traveling interstate or stuck in the airport, CUA has a range of complimentary insurance options covering cardholders and family members from take-off to set-down.  

How to apply

To apply for the CUA Platinum Credit Card there are certain criteria that each applicant must meet.

• The applicant must be over 18 years of age.
• Earn of $50,000 per year.
• Have a good credit rating.
• Be a permanent resident of Australia.

• 12.99% p.a. on purchases p.a.
• 2.9% p.a. for 9 months on balance transfers
• cash advance rate of 21.69% p.a.
• Annual fee of only $59
• 24/7 access to your account through online banking
• Card can be used everywhere Visa is accepted.

Virgin are renowned for their down-the-line approach to financial products and this card is no exception. They have continued to build upon their reputation as a provider of quality inexpensive credit cards that don’t skimp on the important things like security features and account accessibility.

Key features

Here are a list of the distinguishing features of this card.

Low rates

Virgin know that the key to a successful entry level card is low rates, and that’s exactly what they’ve provided.

Balance Transfer

The Virgin low Rate Visa offers a great opportunity for those looking to get on top of their financial situation. A balance transfer allows you to bring your outstanding balance from a previous account to your new account paying a significantly lower rate of interest. If you perform a balance transfer over to your Virgin Low Rate Visa, you will enjoy significant savings paying 2.9% p.a. for 9 months of your contract.

Low annual fee

The low annual fee is a great feature for those looking to capitalise on the savings they have generated through the low balance transfer rate and low purchase interest rate.

At just $59 a year this card is among the cheapest outside of the ‘no-annual-fee category of cards.

Security

Your identity and money are protected with Fraudshield. This is an automatic system that will bring any unusual transactions to your attention, you will not be held liable for any fraudulent transactions. Visa also offers a Zero Liability policy which protects you transactions online as well as in the real world. If your card gets lost or stolen just give Visa a call and they will put a block on your card and arrange for a new one to be sent out. Easy.  

Dealing with your money

online banking: get access to your account 24/7 with online banking. Through online banking you are able to transfer cash to any Australian account or pay your bills through BPAY.

withdrawing cash: The Virgin low Rate Visa Card can be used at any ATM around the world that has a Visa symbol, all you will need is your credit card PIN number.

How to apply

The application process for this card is simple enough. It should take between 10 and 20 minutes an you should have an answer from a Virgin representative within minutes of completing your application. You can start the process by clicking on the apply now button, but before you do make sure you are eligible and have the correct documents on hand.

Eligibility

To be eligible for the Virgin Low Rate Visa Credit Card you must be a permanent Australian resident, be over 18 years of age and earn over $35,000 a year.  

Important information

Before you start the application make sure that you have you driver licence, income details including expenditures and assets and if you are applying for a balance transfer make sure to have your current account information on hand as the balance transfer must be applied for at the time of the Virgin Low Rate Card application.

The Bankwest More Platinum MasterCard comes with the same great features offered by the other credit cards in this range of products but at a completely new level. For example, Platinum cardholders can enjoy all the benefits of the attached rewards programs but at a higher level.

Instead of the 1.5 More Rewards points per dollar spent other cardholders can earn, with the Bankwest More Platinum MasterCard, customers can earn 2 points per dollar they spend. In terms of the Qantas Frequent Flyer rewards program, you won’t be earning 1 point for every $2 you charge to your card, but 1 point per dollar, making it an incredibly attractive card.

Not only that, but if you qualify for the Bankwest More Platinum MasterCard and make an eligible purchase within the first 2 months of becoming a customer, you receive an amazing bonus of 45,000 More Rewards points, instead of the 15,000 offered to Classic cardholders or 30,000 offered to Gold cardholders. If you opt for the Qantas Frequent Flyer rewards program instead, you still get an amazing bonus of 22,500 points, but you will still be paying the same fee of $30 per year.

With such great point-earning opportunities, you’ll be surprised at how fast all those points add up. You’ll be browsing the more than 3,000 rewards available pretty soon to pick out a few that you like. And if you decided to go with the Qantas Frequent Flyer rewards program, which is the best choice for people who travel often, you’ll be able to access a wide range of discounts and freebies that will make travelling much more comfortable and certainly cheaper.

Is There More?

This is a Platinum card, after all, so you would expect there to be more perks, and there are. First of all, you get a better interest rate with the Bankwest More Platinum MasterCard than other cardholders, at 18.99% p.a. per annum.

Additionally, you get a higher level of insurance coverage than with the Gold card. The insurance policies available include coverage for airline travel, accidents as well as shopper’s insurance.

And what’s a Platinum card without a concierge hotline? Well, with the Bankwest More Platinum MasterCard you won’t have to find out because you get access to a 24/7 concierge hotline that will act like your personal assistant, helping you sort out the details of a wide range of services, including travel, shopping, medical and entertainment.

As Bankwest More Platinum MasterCard cardholder you are definitely in a league of your own, with all the perks and prestige that qualifying for a Platinum card offers.

Fees and Rates

You likely didn’t get to the point where you can qualify for a Platinum card without some great financial know-how, which is why you probably want to know what fees are involved. First off, you will be paying $190 per year for the privilege of owning this card. On top of that, if you opt for the Qantas Frequent Flyer rewards program, you can tack on another $30 per annum. Of course, considering the benefits included, this is a small price to pay.

The purchase rate is 18.99% p.a., as previously mentioned, while the cash advance rate is 21.99% p.a.. No matter how well-off you are from a financial viewpoint, it’s a good idea to avoid cash advances because the rate starts accruing the second the withdrawal is made.

The Bankwest More Platinum MasterCard is exactly what a Platinum card should be: a sign of prestige with excellent perks and amazing features. It’s definitely a card you want to take a closer look at if you are on the market for a new credit card.

The Bankwest More MasterCard comes with a variety of features including a great rewards program and a highly attractive balance transfer deal. Not only will you be able to take advantage of the Bankwest rewards program with this card, but you also have the option of earning Qantas Frequent Flyer points instead, if you prefer, thanks to the recent partnership between the two companies.

The Rewards Program

The Bankwest More MasterCard allows cardholders to earn at least 1.5 points per dollar charged to their card on eligible purchases, including paying bills and buying groceries. All you have to do is charge all your regular expenses to your Bankwest More MasterCard and you’ll soon accumulate plenty of points that you can exchange for any of the over 3,000 rewards the More Rewards Program offers.

To make this card even more attractive, Bankwest is offering three times the points you would normally earn if you make an eligible purchase within the first two months of receiving your Bankwest More MasterCard. This offer is valid for both Bankwest More Rewards points and Qantas Frequent Flyer points.

Note that you can opt for the Qantas version of the program by signing in to their website and selecting the More Rewards Qantas$ option. Careful, though, because there is a fee of $30 to join the Qantas rewards program.

The Balance Transfer Offer

The Bankwest More MasterCard also comes with an excellent balance transfer deal. They offer balance transfer deal with a rate of 4.99% p.a. for 9 months , allowing you to save a lot of money while reducing your existing credit card debt. This is definitely a deal you don’t want to miss out on if you have any credit card debt you can’t seem to get rid of.

However, as with any balance transfer, you need to do your best to pay it off within the allotted time frame, or even sooner, to save as much money as possible. This is because once the 12 months are up, the rate reverts to the card’s standard purchase rate, which is 19.24% p.a. per annum for Classic and Gold cards and 18.99% p.a. for Platinum cards.

Rates and Fees

The purchase rate on the Bankwest More MasterCard is not necessarily the lowest on the market but the rewards program and the balance transfer deal do make the card worth considering. As long as you pay off your credit card bills in full every month, you will be able to take full advantage of the rewards program without it costing you anything.

In terms of cash advances, you can expect to pay 4.99% p.a. for 9 months from the moment you withdraw the money, which is why you should probably refrain unless it’s an emergency. The card comes with an annual fee of $49 for the Classic version, $120 for the Gold and $190 for the Platinum. If you opt in to the Qantas Rewards program, you can expect to pay an additional $30 per annum for the privilege.

While the Bankwest More MasterCard might not offer the most competitive rates on the market, the rewards program and balance transfer deal make it quite an attractive card. As long as you can properly manage your finances and pay off your bills in full each month, you’ll be able to earn some nice rewards without having to pay huge amounts in interest.

The Bank of Melbourne Vertigo MasterCard is a personal financial product designed specifically for people who are looking to enjoy the benefits and flexibility of a credit card while saving money. The very attractive purchase rate and the great balance transfer deal make this card the perfect option for anyone who has outstanding credit card debt or who simply prefers to save money on interest costs rather than pay a premium rate for a card with additional perks.

So, if you have a lot of credit card debt to pay off, then this is definitely the card for you because you will save a significant amount of money. Note, though, that there is a limit in terms of duration and you will only have nine months to enjoy the 0.99% interest rate on balance transfers. However, considering the amount of money you will be saving, it is probably a good idea to make an effort and repay your debt in full before the nine months are up.

As with any credit card, the goal is not to have unpaid balances rolling over from one month to the next because it will cost you an arm and a leg in interest costs and this is even truer when you have balance transfers that haven’t yet been settled in full.

If you make purchases on your card, while paying off a balance transfer, the entire amount of money you repay will go towards paying off your balance transfer and not to cover any purchases you might have made, no matter what you want. Thus, you will be incurring debt and a much higher level of interest, which is why it is advisable to refrain from using the Bank of Melbourne Vertigo MasterCard for purchases while you have an outstanding balance transfer waiting to be paid off.

Features and Benefits

As previously mentioned, the Bank of Melbourne Vertigo MasterCard is a credit card with few bells and whistles, but it does come with some very attractive features, namely a highly competitive rate and an excellent balance transfer deal. At 13.24% per annum, this credit card certainly offers one of the best deals on the market, and if you are ever in the position of being unable to pay your credit card bill in full, you will save a lot of money in interest costs with this card.

However, you do have 55 days during which you won’t be charged interest, allowing you take advantage of your card for free. But, you should try to do everything you can to pay off your bill but especially to refrain from spending more than your budget allows, which will help you stay out of debt.

Additionally, the 0.99% interest rate on balance transfers that is valid up to nine months makes it a great tool to get your debt under control. You can transfer any existing credit card debt, as long as it is from a different lender, and you will be able to enjoy this extremely low rate, allowing you to pay off your debt faster.

Remember, the faster you pay off your debt, the cheaper it will be for you since the interest costs will be much lower. And with a 0.99% rate over nine months, it has never been easier to pay off existing credit card debt.

The concept behind the Bank of Melbourne Vertigo MasterCard is to provide customers with a card that offers them the flexibility they need without them having to pay an arm and a leg for features they will probably rarely use. In this vein, the annual fee is only $55, exactly due to the fact that it doesn’t feature rewards programs or other perks that would only cost more money, which some people simply can’t see the point of paying, especially if they don’t use these extras.

You should keep in mind, though, that while the other rates are attractive, the cash advance rate is quite steep at 21.49%. And with no interest free period, you probably want to stay away from cash advances unless it is a serious emergency.

The Bank of Melbourne Vertigo MasterCard Is Extremely Secure

One of the advantages of a credit card is security. If someone steals your wallet and you have $500 in cash in it, then you are never going to see that cash again. It’s gone. However, if all your cash is safely in your account and you only have your Bank of Melbourne Vertigo MasterCard in your wallet, then you can save yourself a lot of money by simply making a call and reporting your card lost or stolen, while your money is quite safe in your account.

Additionally, the credit card itself is highly secure, as all transactions are monitored by the Falcon Fraud system, which watches your account 24/7. If the system considers an incoming transaction as being unusual, compared to your regular spending habits, it will be flagged and you will be called to confirm or deny the transaction. This makes the Bank of Melbourne Vertigo MasterCard a highly secure credit card, which means you won’t have any nasty surprises.

The Bank of Melbourne Vertigo MasterCard might be a relatively basic card, with few bells and whistles, but that’s exactly what makes this card so attractive. By doing away with all the extras, Bank of Melbourne has been able to create a highly competitive credit card and, more often than not, people are more impressed by competitive rates, great balance transfer deals and low fees than flashy extras like rewards programs, which is why so many people opt for this card.