What do I do if my Bank of Melbourne credit card is lost or stolen?

Call Bank of Melbourne to report the card as lost or stolen as soon as possible. If you’re calling from within Australia: 1800 772 266 If you’re calling from overseas: +61 3 8536 7870 Alternatively, you can temporarily lock your Bank of Melbourne credit card through Internet or mobile banking by going to "Services", choosing the card you want to lock and selecting the "Lock card" option. You can place a lock on your card for up to 15 days. You can also unlock it by using these steps or report it as lost or stolen by calling 1800 772 266.

How can I change my credit limit on my Bank of Melbourne credit card?

If you want a lower credit limit, you can request a credit limit decrease at any time through Internet or mobile banking, or by calling 1300 784 934 and saying "decrease credit limit". Your request will be applied to the account straight away. Just keep in mind that the credit limit you request must be higher than the card's minimum credit limit. If you want to increase your credit limit, you can apply through Internet or mobile banking, or by calling 1300 784 934 and saying "increase credit limit". Credit limit increases are subject to lending criteria and assessment, so you may be asked for additional documentation or details to support the application. Also, keep in mind that your credit limit can not be higher than the card's maximum limit.

How do I cancel my Bank of Melbourne credit card?

You can cancel your Bank of Melbourne credit card and close your account through the Internet or mobile banking by going to the "Services" section, choosing your card and selecting the "Close account" option. Then, just follow the prompts to close it. Alternatively, you can close your account by visiting a branch or by calling a Bank of Melbourne customer service representative on 13 22 66 between 9am and 8pm Monday to Friday. Note that you will need to pay the card’s total, outstanding balance before you can completely close the account.

What else can you tell me about Bank of Melbourne?

Bank of Melbourne operates under the Westpac umbrella along with St.George and BankSA. It is based in Victoria, where it still has branches and ATMs, though the branch network has been cut back sharply in recent years and closures are ongoing. Check the Bank of Melbourne branch locator for what is open near you. 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.

Bank of Melbourne credit cards: Low rates & rewards

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Bank of Melbourne is part of the Westpac Group. It has branches throughout Victoria, although any Australian can get an account.
Bank of Melbourne has multiple credit cards, including a low rate card and cards that let you earn Qantas Rewards points or Amplify Rewards points.

Bank of Melbourne credit cards comparison

Purchase rate p.a.	Bonus points	Points per $ spent	Interest-free period	Balance transfer rate p.a.	Annual fee
Bank of Melbourne Vertigo Card Most Loved	13.99%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 0% for 20 months with 3% balance transfer fee, then 21.99%	Annual fee $84	View details Compare product selectionCompare	loading
Bank of Melbourne Vertigo Card - Cashback Offer Most Loved	13.99%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 6.99% for 12 months with 0% balance transfer fee, then 21.99%	Annual fee $84	Get $75 cashback each month when you spend at least $1,000/month for the first 6 months from approval (up to $450 cashback). T&Cs apply.	View details Compare product selectionCompare	loading
Bank of Melbourne Amplify Rewards Signature Amplify Rewards	23.98%	Bonus points 200,000	Points per $ spent 1	Interest-free period Up to 45 days on purchases	Balance transfer rate p.a. N/A	Annual fee $199 first year ($295 after)	Get 100,000 bonus Amplify Points in year 1 when you spend $12,000 on eligible purchases in the first 12 months and 100,000 points when you meet the same spend requirement in year 2. T&Cs apply.	View details Compare product selectionCompare	loading
Bank of Melbourne Amplify Qantas Signature Qantas Frequent Flyer	23.98%	Bonus points 150,000	Points per $ spent 0.4	Interest-free period Up to 45 days on purchases	Balance transfer rate p.a. N/A	Annual fee $295	Get 90,000 bonus Qantas Points when you spend $6,000 on eligible purchases in the first 90 days of card approval and 60,000 points when you meet the same spend requirement within 90 days of card anniversary in year 2. T&Cs apply.	View details Compare product selectionCompare	loading
Bank of Melbourne Amplify Rewards Platinum Amplify Rewards	23.98%	Bonus points 100,000	Points per $ spent 1	Interest-free period Up to 45 days on purchases	Balance transfer rate p.a. N/A	Annual fee $99 first year ($175 after)	Get 75,000 bonus Amplify Points in year 1 when you spend $3,000 on eligible purchases in the first 90 days and 25,000 points after the first eligible spend in year 2. T&Cs apply.	View details Compare product selectionCompare	loading
Bank of Melbourne Amplify Qantas Platinum Qantas Frequent Flyer	23.98%	Bonus points 100,000	Points per $ spent 0.33	Interest-free period Up to 45 days on purchases	Balance transfer rate p.a. N/A	Annual fee $175	Earn 70,000 bonus Qantas Points in year 1 when you spend $4,000 on eligible purchases in the first 90 days and 30,000 points when you meet the same spend requirement in year 2. T&Cs apply.	View details Compare product selectionCompare	loading
Bank of Melbourne Amplify Business Credit Card Amplify Rewards	19.49%	Bonus points N/A	Points per $ spent 1.5	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. N/A	Annual fee $0 first year ($89 after)	View details Compare product selectionCompare	loading
Bank of Melbourne BusinessVantage Visa Finder Award	9.99%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. N/A	Annual fee $55	Competitive interest rate on purchases plus a complimentary insurance from unauthorised transactions.	View details Compare product selectionCompare	loading

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Congratulations, Bank of Melbourne!

Bank of Melbourne was a big winner in the 2026 Finder Awards.

Highly Commended, Best Balance Transfer Credit Card: Bank of Melbourne Vertigo Card
Highly Commended, Best Velocity Frequent Flyer Credit Card: Bank of Melbourne Amplify Rewards Signature
Highly Commended, Best Rewards Credit Card: Bank of Melbourne Amplify Rewards Signature
Winner, Best Low Interest Business Credit Card: Bank of Melbourne BusinessVantage Visa

Full list of 2026 credit cards winners

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:

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.

Security

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.

How to apply for a Bank of Melbourne credit card

Applying for a credit card online is fast and easy. You'll need to be at least 18 years of age and meet the card's eligibility criteria. For more about eligibility, the kinds of documentation you'll need and the factors that can affect whether your card application is approved, check out our full guide to applying for a credit card.

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

Call Bank of Melbourne to report the card as lost or stolen as soon as possible.
- If you’re calling from within Australia: 1800 772 266
- If you’re calling from overseas: +61 3 8536 7870
Alternatively, you can temporarily lock your Bank of Melbourne credit card through Internet or mobile banking by going to "Services", choosing the card you want to lock and selecting the "Lock card" option. You can place a lock on your card for up to 15 days. You can also unlock it by using these steps or report it as lost or stolen by calling 1800 772 266.
If you want a lower credit limit, you can request a credit limit decrease at any time through Internet or mobile banking, or by calling 1300 784 934 and saying "decrease credit limit". Your request will be applied to the account straight away. Just keep in mind that the credit limit you request must be higher than the card's minimum credit limit.
If you want to increase your credit limit, you can apply through Internet or mobile banking, or by calling 1300 784 934 and saying "increase credit limit". Credit limit increases are subject to lending criteria and assessment, so you may be asked for additional documentation or details to support the application. Also, keep in mind that your credit limit can not be higher than the card's maximum limit.
You can cancel your Bank of Melbourne credit card and close your account through the Internet or mobile banking by going to the "Services" section, choosing your card and selecting the "Close account" option. Then, just follow the prompts to close it.
Alternatively, you can close your account by visiting a branch or by calling a Bank of Melbourne customer service representative on 13 22 66 between 9am and 8pm Monday to Friday. Note that you will need to pay the card’s total, outstanding balance before you can completely close the account.
Bank of Melbourne operates under the Westpac umbrella along with St.George and BankSA. It is based in Victoria, where it still has branches and ATMs, though the branch network has been cut back sharply in recent years and closures are ongoing. Check the Bank of Melbourne branch locator for what is open near you. 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.

Compare other products from Bank of Melbourne

Sources

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Written by

Amy Bradney-George

Journalist

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Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full bio

Amy's expertise

Amy has written 415 Finder guides across topics including:

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Co-written by

Richard Whitten

Senior Money Editor

Richard Whitten is Finder’s Senior Money Editor, with over eight years of experience in home loans, property, credit cards and personal finance. His insights appear in top media outlets like Yahoo Finance, Money Magazine, and the Herald Sun, and he frequently offers expert commentary on television and radio, helping Australians navigate mortgages and property ownership. Richard started his career in education and textbook publishing in South Korea. He holds multiple industry certifications, including a Certificate IV in Mortgage Broking (RG 206) and Tier 1 and Tier 2 certifications (RG 146), as well as a Bachelor of Education from the University of Sydney and a Graduate Certificate in Communications from Deakin University. See full bio

Richard's expertise

Richard has written 755 Finder guides across topics including:

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16 Responses

nathanOctober 2, 2017

require card that maximizes frequent flyer points & able to charge land tax ,
council rates etc .
with thanks

Finder

JoanneOctober 3, 2017Finder

Hi Nathan,

Thanks for reaching out to Finder.

You may visit our page for a list of credit cards that earn points for ATO payments. Our guide will help you find out how you can earn rewards or frequent flyer points when you pay your tax bill with a credit card. There’s also a comparison table you can use to see which card suits you. Please click the name of the card or the “More info” link to be redirected to our review page and learn more about the card’s rates, features, eligibility, as well as the pros and cons. When you are ready, you may then click on the “Go to site” button and you will be redirected to the bak’s website where you can proceed with the application or get in touch with their representatives for further inquiries you may have.

Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.

Cheers,
Joanne

TiffyAugust 31, 2016

When i balance transfer my credit card to bank of Melbourne can my partner and i make a joint application?

AnndyAugust 31, 2016

Hi Tiffy,

Thanks for your question.

Yes, Bank of Melbourne allows for a balance transfer to a joint credit card account. However, the amount to be transferred should not be from any of the credit cards issued by the Westpac Group (BankSA, Bank of Melbourne, St.George). Please note that with a Bank of Melbourne’s joint credit card account, you will be given individual cards under one account.

Cheers,
Anndy

ReneApril 29, 2015

I have applied for a credit card apparently was approved but in the wrong category so I will not accept what you sent me
Barcode X
Mr Rene

Finder

JonathanApril 30, 2015Finder

Hi Rene, thanks for your inquiry.

Please note that finder.com.au is a comparison service and does not operate under the Bank of Melbourne. It would be best to refer to the contact details I have sent to your email for the Bank of Melbourne.

Cheers,

Jonathan

CharleneApril 10, 2015

Does BoM charge a transfer fee on the amount being transferred from my existing credit card to a BoM interest free credit card. I’m looking at 18 or 20 months interest free card.

Thank you
Regards
Charlene

Finder

JonathanApril 10, 2015Finder

Hi Charlene,

Thanks for your inquiry.

There is no balance transfer fee applicable for Bank of Melbourne credit cards. You can compare other balance transfer cards. You can select the “Go to Site” button of your preferred credit card to proceed with your application. You can also contact the provider if you have specific questions. A gentle reminder, please ensure to read through the relevant product disclosure statement and terms and conditions to ensure that you got everything covered before you apply.

Cheers,
Jonathan

AlanFebruary 12, 2015

I lodged an application for a credit card on Monday the
9/2 Could you please advise the status of this card application
Thanks

Finder

JonathanFebruary 12, 2015Finder

Hi Alan, thanks for your inquiry!

Please note that finder.com.au is a comparison service and is not directly affiliated with the Bank of Melbourne. It would be best to contact the Bank of Melbourne directly to inquire about the status of your application.

Cheers,

Jonathan

Bank of Melbourne credit cards

Bank of Melbourne's credit card range includes the low rate Vertigo Card, several Qantas and Amplify Rewards cards, plus a no fee annual card.

Key takeaways