If you’re looking for a credit card that allows you to hold a balance without paying the world in fees and APRs this is the right choice. The Vertigo Low-Interest Credit Card is perfect for you, with accessible rates and fees. There are also some complimentary services so that you have the best experience with this credit card.
Vertigo Low-Interest Credit Card
5% cash back on supermarkets 24/7 fraud monitoringHow does the Vertigo Low-Interest Credit Card work?
The Vertigo Low-Interest Credit Card has a few benefits that might interest most people looking for a credit card. Here are some examples:
- Around the clock fraud monitoring;
- SMS and email fraud alerts.
This is all to make sure that you are safe, and your account is not being wrongfully used. For your convenience, this card also offers phone and internet banking and the Autopay function. Which means: never forget a payment again, it will all be discounted automatically from your bank account.
Are you looking for easy payments? Enjoy Visa payWave contactless payments for transactions below $200. No need for passwords or identifications at the time of your purchase.
Who can get a Vertigo Low-Interest Credit Card?
But before you apply, pay attention to the eligibility criteria. Be aware that applicants must be over 18 years old and have a regular, verifiable income. You must also be an Australian citizen or have a permanent residency visa and have a residential address in Australia. Do not forget that the application process involves a credit report check, as well.
So, if you have a struggling credit card history this might not be the ideal choice. Remember that a hard credit report check, such as Vertigo’s on the moment of your application, will generate a drop in your overall score. Anyone with an average, good or excellent number won’t suffer as much.
In case you’re a poor credit score holder, we recommend you choose a secured option instead. There are also some unsecured choices that allow for a soft credit history check that won’t give your numbers any trouble.
Why Vertigo Low-Interest Credit Card?
There are actually quite a few choices of Low Interest card other than Vertigo Low-Interest in the market. So, why should you choose this one specifically? We’re happy to answer that this credit card has a few more benefits that should help you keep a healthy financial life.
For instance, they have a special offer for new applications with 0% fees on balance transfers for 24 months and a $0 annual fee for the first year. This means that, in case you have multiple cards, you can transfer your balances and keep a good utilization ratio.
This is an important factor for your credit score and might help you get better financial services in the future. Even insurances might check your scores to make sure you’re a safe bet for the financial institution.
Besides, the annual fee after this one year period is just $55. It is all very accessible and easy to include in your personal finances.
Vertigo Low-Interest Credit Card
Get to know the Vertigo Low-Interest Credit Card in detail right now or apply if this is your choice.
Another advantage is the 55 interest-free days on purchases as long as you keep paying your closing balance on time. A warning: there is a missed payment fee that you must watch out for. It goes from $9 to $15, getting lower in case you use the Autopay automatic payments.
The interest rate for cash advances is 21.49%, and the interest for purchases is 13.99% which makes this card a good choice for everybody.
In addition, this card has no fees for replacement cards, and you get an extra card for your account with no extra costs. There are a variety of payment options, with Apple Pay, Google Pay, and Samsung Pay available for this card. And in case you want a more colorful card, you can apply for the rainbow design with these same benefits.
Cashback and rewards
Did you think there weren’t any rewards benefits included in low-interest credit card? Vertigo breaks the pattern with an interesting cashback program that can give you up to $400 in refunds from supermarkets.
As long as you shop at a selected supermarket you get 5% cashback, with a limit of $400 in rewards. The stores where you can get this benefit include:
- Coles;
- Woolworths;
- IGA;
- Harris Farm;
- Aldi.
This can be a great way of saving-up on day to day purchases.
Understand Vertigo Low-Interest main benefits
As you get ready to apply for this credit card, we’d like to summarize the main benefits, that include:
- 0% balance transfer fee for 32 months;
- $55 annual fee after the promotional period;
- 55 days interest free;
- 13,99% p. a.;
- $500 minimum credit limit;
- 24/7 fraud monitoring with SMS and e-mail alerts;
- One additional card holder with no extra cost;
- 5% cashback on supermarket shopping.
In the end, it seems clear that the Vertigo Low-Interest Credit Card is a great option for those looking for fair rates and worthy benefits.
Disadvantages for this credit card
Vertigo Low-Interest isn’t completely perfect, especially if you already hold a credit card from the same financial company. So, if you already have a card from St. George Bank, BankSa or Bank of Melbourne you won’t be eligible for this promotion.
Conclusion
The Vertigo Low-Interest Credit Card is a solid choice for those seeking to minimize interest charges while enjoying valuable perks. Its low purchase APR, 0% balance transfer offer for 24 months, and 55 days of interest-free purchases make it an attractive option for managing debt and making everyday purchases.
Advantages:
- Low Interest Rates: Keeps borrowing costs manageable.
- Generous Balance Transfer Offer: Helps consolidate debt with no transfer fee.
- Cashback Program: Earns 5% cashback on selected supermarket purchases.
- Convenience Features: Includes fraud protection, Autopay, and contactless payments.
- No Annual Fee for the First Year: Reduces upfront costs.
Considerations:
- Eligibility Restrictions: Existing cardholders of certain banks may not qualify for this offer.
- Credit Report Impact: A hard credit check could temporarily impact your credit score.
Overall, the Vertigo Low-Interest Credit Card stands out for its favorable rates, useful benefits, and practical features. It’s particularly suitable if you plan to transfer existing balances, make regular purchases, or benefit from cashback at supermarkets. Just be mindful of its eligibility requirements and potential impact on your credit score.
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