Bank of Melbourne (BOM) is part of the Westpac Group and is one of the largest regional banks in Australia. As well as credit cards for your everyday spending, BOM has a range of business and corporate credit cards. You can also get introductory interest-free offers, bonus points and cashback, depending on the card you choose. And anyone can sign-up for a BOM account (although it only has branches in Victoria).
Bank of Melbourne Credit Cards Comparison
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Types of credit cards from Bank of Melbourne
Bank of Melbourne low rate credit cards
The Bank of Melbourne Vertigo credit card offers a low variable interest rate on purchases and a relatively low annual fee that is competitive with other low rate credit cards. These features can help you save money if you don't pay your credit card in full every month.
Bank of Melbourne balance transfer credit cards
If you want to pay off an existing credit card balance with a bank other than Bank of Melbourne, St.George or BankSA, moving it to a Bank of Melbourne credit card with an introductory low or 0% balance transfer rate can help you save on interest and pay off the debt faster. These introductory offers are available for a limited time, so it's worth checking Bank of Melbourne credit card offers when you're looking at cards to see what you can get.
At the end of the introductory period, any remaining balance from the transfer will attract the card's variable cash advance rate. As this rate can be high, you'll get the most value from a balance transfer offer if you can pay it off during the introductory period.
Bank of Melbourne no annual fee credit cards
The Bank of Melbourne No Annual Fee Credit Card is designed to give you the flexibility of a credit card without having to worry about paying a yearly fee for it. As with most no annual fee credit cards, this card has a higher interest rate for purchases than a low rate credit card. But you can get interest-free days on purchases if you pay your monthly payment balance as listed on your statement by the due date.
Bank of Melbourne rewards credit cards
With a Bank of Melbourne Amplify credit card, you'll earn Amplify Points per $1 spent. Your points can then be redeemed for gift cards, retail items or travel rewards. You can also transfer your Amplify Points to Velocity Frequent Flyer or Singapore Airlines KrisFlyer.
Bank of Melbourne frequent flyer credit cards
With one of these cards, you'll need to choose the Amplify Qantas option and include your Qantas Frequent Flyer details when you apply. If you already have an Amplify credit card, you can switch to Amplify Qantas by calling the Bank of Melbourne Amplify Rewards centre on 1300 600 266.
Bank of Melbourne business and corporate credit cards
If you want a credit card for your business spending, Bank of Melbourne offers cards for sole traders and small businesses, such as the Bank of Melbourne Amplify Business Card, as well as cards for larger organisations, such as the Bank of Melbourne Corporate Mastercard. Depending on the card you choose, you could get features including additional cards for your employees, complimentary insurance covers and export options for MYOB, BAS and Microsoft Excel.
Benefits of getting a Bank of Melbourne credit card
Some of the features and services you can look forward to with a Bank of Melbourne credit card include:
Bank of Melbourne credit cards come with contactless payment technology so you can use them to tap and pay when you're shopping in-person with most businesses. You can also make payments from your mobile phone or another compatible device with the following mobile wallets:
- Apple Pay
- Google Pay
- Samsung Pay
- Fitbit Pay
- Garmin Pay
My Offers Hub
A personal Bank of Melbourne card gives you access to discounts and offers with brands such as Myer, Priceline and THE ICONIC through the My Offers Hub. To see the latest deals, you just have to log in to your mobile or Internet bank account and go to the "My offers and benefits" section. You can also opt-in to get emailed offers by updating your marketing preferences via Internet banking.
Bank of Melbourne offers 0% interest instalment plans that you can set up to pay off new purchases or part of your balance over 3, 6 or 12 months. Known as Plan&Pay, you can set up an instalment plan for any credit card purchase over $200 that you've made in the previous 30 days or to pay off an eligible card's balance. You can also cancel a plan at any time. While there's no interest for these instalment plans, you'll pay an upfront fee of 1% for a 3-month plan, 2% for 6-month plans and 4% for 12-month plans.
Bank of Melbourne Amplify Signature – Birthday Bonus Points
The Birthday Bonus is a feature of the Bank of Melbourne Amplify Signature Credit Card and gives you an additional 10% of the points you’ve earned per $1 spent in the previous 12 months. Note that this bonus does not factor in any other bonus points you may have earned in that time.
Bank of Melbourne credit cards come with 24/7 fraud monitoring and support services to help keep your account safe. The Bank of Melbourne Fraud Money Back Guarantee also means you won't have to cover the cost of fraudulent transactions if they're made on your credit card. Plus, you can put a temporary lock on your card for up to 15 days through mobile or Internet banking.
If you want to apply for a Bank of Melbourne credit card, there are a few eligibility criteria you'll need to meet so you can get started. Each card has slightly different requirements but will include:
- Australian residency status. You must be an Australian permanent resident or citizen. Further conditions may apply if you want to get a credit card as a permanent resident.
- Age. You must be at least 18 years of age.
How long does it take to apply?
You can apply for a Bank of Melbourne credit card online in around 10 minutes if you already have an account with the bank, or 20 minutes if you're a new customer. If you need more time while you're filling in the application, you can also save it and finish it any time within 30 days from when you started it.
You can also apply by visiting a Bank of Melbourne branch or by calling 13 22 66.
Information and documents you need to apply
- Personal information. This includes your full name, date of birth, residential address, email address and contact number. You also need to provide a valid form of ID, such as your driver's licence, Medicare card, passport or Australian birth certificate.
- Employment information. Provide details of your current employment circumstances, such as your role, salary and your employer's name and contact details.
- Other financial information. This includes any other form of income you receive, as well as assets such as savings or investments. You'll also need to provide details of any debts or existing credit card accounts, as well as ongoing expenses such as rent, bills and groceries.
Credit card details
During the application, you'll be asked about the details of your new Bank of Melbourne credit card. The 2 key details to look at are the following:
- Credit limit. If you have a credit limit in mind for the credit card, you can include a request for that amount as part of the application. Just keep in mind that this is subject to Bank of Melbourne's lending criteria and assessment, so in some cases, the actual limit you get could be lower than the one you requested.
- Balance transfer details. If you want to take advantage of a balance transfer offer on a Bank of Melbourne credit card, you will need to provide details of the existing debt, including the account number, the financial institution and the amount you want to transfer.
What happens after you apply?
You'll get a response within 60 seconds of submitting your application online, and someone from Bank of Melbourne will contact you by email, phone or text message if any more details are needed.
If you're approved, you'll get your new credit card in the mail and can activate it through Internet or mobile banking.
Have a question about your application? Call Bank of Melbourne on 13 22 66 and someone will be able to help you.
Credit card brands similar to Bank of Melbourne
If you want a credit card from a regional bank or a large bank that's not one of the Big Four in Australia, here are 3 other credit card providers you could compare with Bank of Melbourne:
Frequently asked questions
Important links and details
- Bank of Melbourne customer service phone number: 13 22 66
Hours of operation: 8am-8pm, Monday-Saturday (AEST)
- Bank of Melbourne personal loans
- Bank of Melbourne home loans
- Bank of Melbourne transaction accounts
Want to compare a wider range of credit cards? Check out the latest offers for rewards, balance transfers, low rates and more.
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Bank of Melbourne Vertigo Card – Cashback Offer
Compare the features of the Bank of Melbourne Vertigo credit card, including up to $400 cashback offer.
Bank of Melbourne Amplify Platinum
Offers bonus points and a discounted annual fee in the first year for reward-chasers, plus a balance transfer offer.
Bank of Melbourne Amplify Signature Qantas Card
The Bank of Melbourne Amplify Signature - Qantas offers a competitive bonus points offer and travel perks. Are they worth the $370 annual fee?
Bank of Melbourne Amplify Platinum Qantas Card
The Bank of Melbourne Amplify Platinum offers bonus Qantas Points, points as you spend and travel perks including complimentary travel and purchase insurance.
Bank of Melbourne Amplify Business Credit Card
This Bank of Melbourne credit card lets you choose between Amplify Points or Qantas Points for your business spending and offers a $0 first-year annual fee. Is it right for you?
Bank of Melbourne Amplify Signature Credit Card
Weigh up the features of the Bank of Melbourne Amplify Signature, including a competitive reward points earn rate, 150,000 bonus points and complimentary lounge passes.
Bank of Melbourne BusinessVantage Visa Credit Card
The Bank of Melbourne BusinessVantage offers a low variable purchase rate, up to 99 additional cards and detailed statements to help keep track of spending.
Bank of Melbourne Corporate Mastercard
Get additional cards for employees and access Mastercard Smart Data financial management tools and with the Bank of Melbourne Corporate Mastercard.
Bank of Melbourne No Annual Fee Credit Card
Manage your spending and save money with no annual fee for the life of the card.
Bank of Melbourne Vertigo
Compare the features of the Bank of Melbourne Vertigo, including a 0% balance transfer offer for 32 months with no BT fee.
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