Lombard Finance 180 Visa Card | Review Details & Compare

Lombard Finance 180 Visa Card

Offer
Card features
purchase rate
annual fee
balance transfer
Apply
Lombard Finance 180 Visa Card
6 months interest free on all purchases of $250 or more.
55 days interest free, purchases below $250.
Minimum credit limit $1,000.
Add to comparison
6 months
0% p.a.
then 25.99%
$99
ongoing
6 months
0% p.a.
then 25.99%

Pros & cons

What's good?

What's not so good?

6 months interest free on all purchases of $250 or more.
55 days interest free, purchases below $250.
Minimum credit limit $1,000.
0% p.a. on balances transferred for 6 months when requested at the time of application.
Comes with Apple Pay.
The 25.99% p.a. interest rate on purchases and cash advances is comparatively high.
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

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

Rates and fees
Rewards
Customer service
Convenience
Trust

Reviews from users

Customer service is great

Reviewed and recommended by Leah on 07 Jan 2017

This card is very convenient and they have great customer service.

There are simple statements which make it easy to understand. They are very honest and up front about fees and charges. The only issue I would have is the monthly fee. I think being charged a fee to make a payment is a bit absurd when you already pay a monthly fee.

I saved money with this card

Reviewed and recommended by Jamie on 24 Jun 2016

I purchased a ride on lawnmower at a low interest rate with this card, then they offered me twelve months interest-free on balance transfers after only being with them a short while.

They have been easy to deal with with and there’s fantastic customer service. I would recommend them to my friends and family.

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
Single
Card tier
Standard
Card type
Visa
Card use
Personal
Credit rating
Any
Gambling transactions allowed
No
Joint application
No
Minimum age
18 years old
Minimum income
$25,000
Minimum income for pensioners
N/A
Pensioners
N/A
Rewards program
None
Temporary residents
N/A

Cardholders

Additional cardholders
1
Additional card fee
$0 p.a.

Credit limits

Minimum credit limit
$1,000
Maximum credit limit
N/A

Repayments

Interest charged from
Purchase Rate
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/A25.99% p.a.

Balance transfers to this card

Balance transfer earns rewards
No
Balance transfer fee payment due
First statement
Balance transfer from personal loan
No
Balance transfer processing time
10 - 14 days
Interest free days with unpaid balance
0 days
Maximum balance transfer
N/A
Available to existing customers
No

Banks you can't balance transfer from

You can't balance transfer to the Lombard Finance 180 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 25.99% p.a.
Purchases0% p.a.6 monthsN/AN/A 25.99% p.a.

Ongoing interest rates

MonthlyAnnually
Cash advances 2.17% 25.99% p.a.
Purchases 2.17% 25.99% p.a.

Fees

Annual fee
$99 p.a.
Cash advance fee
whichever is greater, $3 or 3%
Dishonour fee
$15
Duplicate statement fee
$2.50
Foreign exchange fee
3%
Late payment fee
$35
Over limit fee
$0
Overseas ATM balance fee
$0
Overseas ATM withdrawal fee
$0
Overseas emergency card replacement fee
$20
Transaction verification fee
$10

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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