Lombard 55 Visa Card

Lombard 55 Visa Card

Card features
balance transfer
purchase rate
annual fee
Lombard 55 Visa Card
Interest free on all purchases of $250 or more.
Up to 55 days on purchases below $250.
Minimum credit limit $1,000.
Add to comparison
6 months
0% p.a.
then 25.9%
25.9% p.a.

Pros & cons

What's good?

What's not so good?

Interest free on all purchases of $250 or more.
Up to 55 days on purchases below $250.
Minimum credit limit $1,000.
Comes with Apple Pay.
The normal 25.9% p.a. interest rate on purchases is one of the highest on this comparison site.
Disclaimer: Reviews rely upon third party information that may not be correct or may be changed without Credit Card Compare’s knowledge. You must carefully consider your own circumstances before making any commitments and confirm all offers and terms with credit card providers before accepting them. Please refer to our T&Cs for more.

User reviews

1.7 out of 5.0 based on 2 reviews100% of reviewers would recommend this card

Rates and fees
Customer service

Reviews from users

Major purchases interest free

Reviewed and recommended by Marie on 23 Sep 2016

This card is good to use for interest-free promotions at places such as Fantastic Furniture. We are able to purchase items for an extended interest-free period.

However, the interest rate is quite high for everyday uses. The usability of the website to check balances etc is quite clunky.

12 months interest free

Reviewed and recommended by Samantha on 22 Sep 2016

It’s handy if used for Interest-free purchases, but not as good as other Interest-free style cards as you get only 55 days interest free if you make a purchase from a retailer that isn’t linked to, or a retailer of, Lombard.

Customer service is great.

I got the card to help finance a holiday for 12 months interest free. The card was definitely useful for this.

Disclaimer: The opinions expressed about credit cards are the reviewer's alone, and do not reflect the views of Credit Card Compare or the credit card issuer. Reviews have not been approved or otherwise endorsed by Credit Card Compare.

The basics

About this card

Card setup
Card tier
Card type
Card use
Credit rating
Gambling transactions allowed
Joint application
Minimum age
18 years old
Minimum income
Minimum income for pensioners
Rewards program
Temporary residents


Additional cardholders
Additional card fee
$0 p.a.

Credit limits

Minimum credit limit
Maximum credit limit


Interest charged from
Purchase Date
Interest free period
Up to 55 days on purchases
Minimum repayment
whichever is greater, $30 or 3%

Balance transfers

The offer

Interest ratePeriodFeeLimitRevert rate
Balance transfers0% p.a.6 monthsNoneN/A25.9% p.a.

Balance transfers to this card

Balance transfer earns rewards
Balance transfer fee payment due
First statement
Balance transfer from personal loan
Balance transfer processing time
10 - 14 days
Interest free days with unpaid balance
0 days
Maximum balance transfer
Available to existing customers

Banks you can't balance transfer from

You can't balance transfer to the Lombard 55 Visa Card at the promotional balance transfer rate from:

  • Lombard

Rates & fees

Promotional interest rates

Interest ratePeriodFeeLimitRevert rate
Balance transfers0% p.a.6 monthsNoneN/A 25.9% p.a.
PurchasesN/AN/AN/AN/A N/A

Ongoing interest rates

Cash advances 2.16% 25.9% p.a.
Purchases 2.16% 25.9% p.a.


Annual fee
$99 p.a.
Cash advance fee
Dishonour fee
Duplicate statement fee
Foreign exchange fee
Late payment fee
Over limit fee
Overseas ATM balance fee
Overseas ATM withdrawal fee
Overseas emergency card replacement fee
Transaction verification fee

Minimum criteria for this card

What you need before applying

Be over 18 years old
You are a resident or citizen of Australia
Earn a regular income of more than $25,000 per year
You have your personal details ready to complete the online application
Have not applied for multiple credit cards recently
Joint applications are not allowed
Disclaimer: The minimum criteria are intended only to be a guide. Your application may still be rejected by the bank even if you can answer 'Yes' to all the minimum criteria. The final decision regarding your application is up to the bank.

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