Bank of Melbourne Credit Cards

Once you complete and submit your application for a Bank of Melbourne credit card, you should get an email back from the bank within minutes. The Bank of Melbourne will let you know about the status of your application, which can be approved, declined, or conditionally approved. Conditional approval means you need to provide more information to the bank (like payslips for example) before you can be fully approved.

The email from the bank will also have your application reference number. You can use this number to check on the status of your credit card application.

If you have been approved for a credit card, you should receive your credit card within two weeks. You can elect to pick it up from a branch or you can have it sent to your home address. Once you get your card, activate it by calling the Bank of Melbourne (if you collect the card from a branch they will activate it for you when you pick it up).

If you have not heard from the bank following the submission of your application, call a customer service representative on 13 22 66, Monday to Saturday between 8AM and 8PM.

Every credit card has a minimum monthly repayment. In other words, this is the minimum amount you have to pay off your credit card each statement period (if you’re carrying a debt).

You can find the minimum repayment information for each Bank of Melbourne credit card on our review pages.

The minimum monthly repayment must be made by the date shown on your Bank of Melbourne credit card statement, otherwise a late fee will be charged.

If you would like to transfer your credit card debt to a Bank of Melbourne credit card, you can do so when you apply online. You can also transfer a balance to an existing Bank of Melbourne credit card by completing a balance transfer request form. This form is available from the Bank of Melbourne website or Bank of Melbourne internet banking facility.

The following balance transfer limits apply.

You can transfer as little as $200.

You can transfer up to 95% on your new Bank of Melbourne credit card.

Balance transfers will not be accepted from other Bank of Melbourne, St.George or BankSA credit cards. You can transfer from any other credit, store and charge card issued in Australia.

The balance transfer period starts when the credit card is activated. Allow up to 14 days for the balance transfer to be processed once you activate your Bank of Melbourne credit card.

You can apply for a supplementary card when you first apply for the Bank of Melbourne credit card. You can also add an additional card to your account after you’ve applied by downloading, completing and sending in an Additional Cardholder Application Form. This is found on the Bank of Melbourne website. Each additional cardholder must be over the age of 16 and must be an Australian resident.

Have a look at our Bank of Melbourne credit card review pages for information about how many additional cardholders you can  add to your Bank of Melbourne credit card account.

To prevent liability for fraudulent use of your credit card, you need to get in touch with the Bank of Melbourne as soon as you know that your card has been lost or stolen. The bank will block your credit card right away and make sure that a replacement is sent out to you.

The Bank of Melbourne can be contacted 24 hours a day, 7 days a week.

If you’re calling from within Australia: 1800 028 208

If you’re calling from overseas: +61 2 9553 5883

If you’re overseas and you’re stuck without cash, you can contact Visa or Mastercard to organise an emergency cash advance. The funds in your account can be made available for you to collect from a local merchant while you wait for a replacement card to be sent out to you.

Bank of Melbourne monitor your account around-the-clock using the Falcon Fraud management and fraud detection service. If an unusual transaction appears on your account, like a purchase in a foreign country, Bank of Melbourne will attempt to contact you to confirm that it’s you carrying out the transaction and not someone else. If they can’t reach you to verify the transaction, your account will be blocked to prevent further use. In the event that it was actually you who carried out the transaction, a call to Bank of Melbourne is all it takes to get your credit card operating normally again.

You’re also protected by the Visa Zero Liability Policy. If you’re the victim of credit card fraud when you use your card to shop online or to make purchases over the counter, Visa and the Bank of Melbourne will fully reimburse you the defrauded amount as long as you have not contributed to the loss and you contact Visa and the Bank of Melbourne immediately.

Bank of Melbourne will assign you a credit limit when you first apply for a credit card. This credit limit is how much the bank is willing to lend to you and is based on how much you can afford to repay.

Each credit card from the Bank of Melbourne has a maximum and a minimum credit limit.

You can apply for a credit limit increase once you’ve had your Bank of Melbourne credit card for six months, and you mustn’t have requested a credit limit increase in the last six months.

You can request a credit limit increase online through your Bank of Melbourne internet banking facility or by sending in a Credit Limit Increase Application Form. You can also request a credit limit increase over the phone by calling Bank of Melbourne on 13 22 66.

If you want a lower credit limit than what you’ve been granted, speak to a Bank of Melbourne representative on 13 22 66 and ask for a credit limit decrease. You can do this at any time.

Bank of Melbourne Amplify Rewards credit cards also allow you get rewarded with Qantas Points if you’re a member of the Qantas frequent flyer program. This can be a great way to keep your Qantas Points balance growing. You can elect to opt-in to the Qantas Program when you apply for the credit card, or you can opt-in once you’ve got your card by completing a Program Switch Request form. This is found on the Bank of Melbourne website.

If you switch from the Amplify Rewards Program to the Qantas Program, you have 90 days to use Amplify Points before they expire.

Any points you have accrued with the Amplify Program cannot be transferred to your Qantas membership.

If you would like to cancel your Bank of Melbourne credit card and close your account, you can do so at any time by calling a Bank of Melbourne customer service representative on 13 22 66 between 8am and 8pm Monday to Saturday. Just make sure you’ve paid the card’s balance in full before you decide to close the account.

Bank of Melbourne operates under the Westpac umbrella along with St.George and BankSA. It is based in Victoria, where there are hundreds of Bank of Melbourne branches, banking centres and ATMs. As a result of their parent company Westpac, you will find that they share many of the same credit products as the big bank and its sister financial institutions. This includes offers like rewards credit cards with Amplify points and balance transfer deals.

You don’t have to be a Victorian resident to apply for a Bank of Melbourne credit card though as their products are available for all eligible applicants in Australia. This includes a special promotional offer of zero interest when you open a new charge account and transfer your balances. The amount of time you have to pay that balance off will depend on the type of card you choose.