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Bank of Melbourne Credit Cards

Compare Bank of Melbourne credit card features and offers, including up to 36 months on balance transfers, 0% on purchases, no annual fees, rewards and platinum benefits.

Bank of Melbourne's credit card range can suit many different needs, with low rate and low fee cards that could help you save, rewards cards that earn points for your spending and platinum cards with perks such as complimentary insurance. Depending on when you apply, you could also enjoy an introductory 0% interest rate on balance transfers or purchases, or bonus points to boost your reward balance.

As well as offering credit cards for everyday spending, Bank of Melbourne provides business and corporate credit card options to help you manage your work finances. Use this guide to compare Bank of Melbourne credit cards and learn how you can apply for a Bank of Melbourne credit card from anywhere in Australia.

Bank of Melbourne Credit Card Offer

Bank of Melbourne Vertigo Visa Credit Card

0% p.a. for 16 months on balance transfers

Offer ends 26 September 2018

Eligibility criteria, terms and conditions, fees and charges apply

Bank of Melbourne Credit Card Offer

A low rate credit card that features a long-term balance transfer promotion with no balance transfer fee. Plus, a competitive annual fee.

  • $55 p.a. annual fee.
  • 13.74% p.a. on purchases
  • Cash advance rate of 19.49% p.a.
  • Up to 55 days interest free
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Comparison of Bank of Melbourne Credit Cards

Rates last updated September 22nd, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
Bank of Melbourne Vertigo Visa Credit Card
13.74% p.a.
0% p.a. for 16 months
$55 p.a.
Enjoy 0% p.a. interest for up to 16 months on balance transfers with no BT fee. Plus, a competitively low annual fee and purchase rate.
Bank of Melbourne Vertigo Platinum
12.74% p.a.
0% p.a. for 24 months with 1% balance transfer fee
$99 p.a.
Offers a long-term balance transfer, low ongoing purchase rate, complimentary travel insurance and access to a 24/7 personal concierge service.
Bank of Melbourne Amplify Platinum
19.49% p.a.
$99 p.a.
Earn 50,000 bonus Amplify or Qantas Points when you spend $2,000 within 90 days and earn 0.5 Qantas Points or 1 Amplify Point per $1 spent.
Bank of Melbourne Amplify Card
19.49% p.a.
3% p.a. for 36 months
$0 p.a. annual fee for the first year ($79 p.a. thereafter)
Take advantage of a 3% p.a. for 36 months balance transfer offer, Amplify or Qantas points per $1 spent and enjoy a $0 annual fee for the first year.
Bank of Melbourne Amplify Signature
19.49% p.a.
$279 p.a.
Get 90,000 bonus Amplify or Qantas Points when you spend $4,000 within 90 days and earn up to 1.5 Amplify or 0.75 Qantas Points per $1 spent.
Bank of Melbourne No Annual Fee Card
20.49% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$0 p.a.
Take advantage of a 0% p.a. for 12 months balance transfer, get up to 55 days interest-free on purchases and pay no annual fee for the life of the card.
Bank of Melbourne Corporate Mastercard
Experience a complete financial management system available online and the protection of complimentary insurances.
Bank of Melbourne Amplify Business Credit Card
19.49% p.a.
$0 p.a. annual fee for the first year ($89 p.a. thereafter)
Enjoy 60,000 bonus Amplify or Qantas Points and a $0 first year annual fee. Plus, uncapped reward points.

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Types of credit cards from Bank of Melbourne

Bank of Melbourne offers credit cards that cater to different lifestyles, budgets and spending habits. If you're interested in saving on credit card costs, you could consider the range of Bank of Melbourne low rate and no annual fee credit cards. Have deeper pockets or want more credit card benefits? Then maybe the Bank of Melbourne Amplify Rewards or Amplify Qantas cards will suit your needs. Plus, if you run a business, you could enjoy the convenience of a credit card for you and your employees with either the Bank of Melbourne Business Amplify or Bank of Melbourne Corporate Card.

  • Low rate credit cards

Bank of Melbourne offers both a standard and a platinum version of its low rate Vertigo Visa credit card. While both options offer a low variable interest rate for purchases, the Vertigo Platinum also comes with complimentary insurance covers, which can save you money and give you peace of mind.

  • 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. While no annual fee credit cards have a higher purchase rate than a low rate credit card, you still get interest-free days if you pay your statement in full each month.

  • 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 a range of rewards including travel bookings, gift cards or frequent flyer points with Velocity, Singapore Airlines KrisFlyer or Malaysia Airlines Enrich. If you'd prefer to earn Qantas Frequent Flyer points with a Bank of Melbourne credit card, you could opt-in to the Qantas Amplify program instead. Compare rewards credit cards by their annual fee, the earn rate and value-adding extras such as insurance so you can find one that works for you.

The benefits of banking with Bank of Melbourne

Here are some of the features and services you can look forward to with a Bank of Melbourne credit card:

  • Westpac Group ATM access

You can use your Bank of Melbourne credit card for free at one of the hundreds of Bank of Melbourne ATMs throughout Victoria. Along with St.George and BankSA, Bank of Melbourne operates under the Westpac Group. If you’re away from home, you can still use St.George and BankSA ATMs free of charge as well — you don’t have to stay in Victoria to benefit from banking with the Bank of Melbourne.

  • Manage your account online

Register your Bank of Melbourne credit card for online banking so you can repay your account, make payments to accounts in Australia and overseas and view statements anywhere, anytime. As nice and friendly as the team at Bank of Melbourne are, there’s no need to go to a branch to handle most banking services. Internet banking lets you do everything from your smartphone, tablet or desktop device.

  • Birthday Bonus

The Birthday Bonus is a feature of the Bank of Melbourne Amplify Signature Visa Card and gives you an additional 10% of the points you’ve earned per $1 spent within the previous 12 months. Note that this bonus does not factor in any other bonus points you may have earned in that time.

  • Rewards program options – Amplify Rewards or Amplify Qantas

Spend and be rewarded with Amplify Points or opt to earn Qantas Points instead when you get a Bank of Melbourne Amplify credit card. If you get an Amplify Platinum or Signature card, you can also enjoy complimentary travel insurance, higher point earn rates and other premium perks.

  • Visa purchase power

Visa is one of the most widely recognised credit card logos in the world, making it easy to purchase in person, online, over the phone and overseas.

How to compare Bank of Melbourne credit cards

Before applying for a Bank of Melbourne credit card, you’ll need to ask yourself the following questions:

  • What are the interest rates? It is not unusual for the interest rate on a cash advance to be slightly higher than the purchase rate, but it should be competitive to what other banks are offering.
  • How much is the cash advance fee? With the Bank of Melbourne, and all banks in the Westpac group, you are not charged a fee when using an ATM in their network. Fees can incur if you use a different bank’s ATM or if you make withdrawals overseas using your Visa credit card.
  • What is the rewards program like? Make sure that the rewards program compliments your existing spending patterns. If you don’t fly with Qantas or shop with any of Bank of Melbourne’s partners, then you’ll find it difficult to earn enough rewards to offset the costs of the card.
  • What is the annual fee? If the value of the rewards you earn doesn’t counteract the annual fee, then you’re not using the card to its full potential.

How to apply for a Bank of Melbourne credit card

You can apply for a Bank of Melbourne credit card online in around 10 minutes and should get a response within moments of submitting your completed application. Before you get started, make sure you meet the eligibility requirements and have all the relevant documents and details on hand.

Eligibility criteria

  • Are you over 18 years old? You must be at least 18 years of age to apply for a credit card.
  • What is your Australian residency status? You must be an Australian permanent resident or citizen to apply for a Bank of Melbourne credit card. Further conditions may apply if you want to get a credit card as a permanent resident.

Documents and details

  • Personal information. This includes your full name, date of birth, residential address, email address and contact number. You'll also need to provide a valid form of ID, such as your driver's licence, Medicare card, passport or Australian birth certificate.
  • Employment information. You'll need to 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.
  • 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.

Bank of Melbourne offers you a choice of credit cards to suit many different goals. You can compare the features and costs of these cards with for a range of other options to help you find one that works for you.

Frequently asked questions

If you want to know more about Bank of Melbourne credit cards, check out these answers to frequently asked questions. If you still can’t find what you’re looking for, get in touch with us using the form at the bottom of the page.

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Credit Card Offers

Important Information*
Citi Clear Platinum Credit Card

Interest rate

12.99

Annual fee

0*

*$99 p.a. after first year

Westpac Altitude Platinum Card - Qantas

Interest rate

20.24

Annual fee

50*

*$200 p.a. after first year

ANZ Low Rate

Interest rate

12.49

Annual fee

58

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16 Responses

  1. Default Gravatar
    October 2, 2017

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

    • finder Customer Care
      JoanneOctober 3, 2017Staff

      Hi Nathan,

      Thanks for reaching out.
      Here is the page where you can compare frequent flyer credit cards and see which one would meet your needs or would be suitable for you. Once you have selected the ideal frequent flyer card for you it would be best that you reach out to the credit card company directly to verify information regarding the land tax and council rates concern.

      Cheers,
      Joanne

  2. Default Gravatar
    TiffyAugust 31, 2016

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

    • finder Customer Care
      LouAugust 31, 2016Staff

      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

  3. Default Gravatar
    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 Customer Care
      JonathanApril 30, 2015Staff

      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

  4. Default Gravatar
    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 Customer Care
      JonathanApril 10, 2015Staff

      Hi Charlene, thanks for your inquiry!

      There is no balance transfer fee applicable for Bank of Melbourne credit cards. To compare balance transfer cards please see the ‘Balance transfer rate’ column in the table provided on this page.

      Cheers,

      Jonathan

  5. Default Gravatar
    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 Customer Care
      JonathanFebruary 12, 2015Staff

      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

  6. Default Gravatar
    NeerajJuly 14, 2014

    hi good day i got an default on my credit history which was 50 months ago..
    was wondering if i can still apply for an credit card??

    • finder Customer Care
      ShirleyJuly 15, 2014Staff

      Hi Nick,

      Thanks for your question.

      Generally a default appears on your credit history for a period of 5 years, which is about 60 months.

      It’s likely that the default is still on your credit history and so may hinder the chances of your application. You may want to wait another 10 months or so before applying.

      Cheers,
      Shirley

    • Default Gravatar
      DanielFebruary 15, 2015

      Hi there similar situation here I had a bankruptcy in Oct 2010 subsequently discharged in Oct 2013 so just wondering if I would be able to apply for a credit card in order to rebuild my credit file? Obviously avoiding any lenders that I had debts with previously.

      Most lenders here seem to require a ‘good’ credit rating but I’m wondering if any are more lenient/flexible or specialise in poor credit history etc as I earn a good income and assets, working in same job for 12 months. I’m aware I don’t have a Vedascore as I monitor it closely via subscription. Cheers

    • finder Customer Care
      JonathanFebruary 16, 2015Staff

      Hi D, thanks for your inquiry!

      In regards to bankruptcy/ defaults on credit files and applying for credit cards, the lending policies and requirements do vary from lender to lender. Having steady employment/ income and assets definitely helps the application process especially after bankruptcy. It would be best to contact the Bank of Melbourne or the respective lender at a local branch to discuss your options.

      I hope this helps.

      Cheers,

      Jonathan

  7. Default Gravatar
    steveApril 21, 2013

    what is the best card with no cap on points earned?

    • finder Customer Care
      JacobApril 22, 2013Staff

      Hi Steve. Thanks for your question. Please refer to this page for a comparison of credit cards with uncapped frequent flyer points earning. Jacob.

Credit Cards Comparison

Rates last updated September 22nd, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
Citi Clear Platinum Credit Card
12.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a 0% p.a. for 14 months balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks.
ANZ Low Rate
12.49% p.a.
0% p.a. for 15 months
$58 p.a.
Save with a 0% p.a. introductory rate on balance transfers for 15 months with no BT fee. Plus a low 12.49% p.a. interest rate on purchases.
Westpac Altitude Platinum Card - Qantas
20.24% p.a.
$50 p.a. annual fee for the first year ($200 p.a. thereafter)
Earn 60,000 bonus Qantas Points when you spend $3,000 within 90 days of card approval. Plus, a $50 first year annual fee.
St.George Vertigo Visa
13.74% p.a.
0% p.a. for 16 months
$55 p.a.
Get 0% p.a. interest for up to 16 months on balance transfers with no BT fee. Plus, a competitively low annual fee and purchase rate.

Compare up to 4 providers

* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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