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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.

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Bank of Melbourne

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. Most cards have a 0% balance transfer offer for 24 months or more.

Bank of Melbourne credit cards comparison

Name Purchase rate p.a. Bonus points Points per $ spent Interest-free period Balance transfer rate p.a. Annual fee
Bank of Melbourne Vertigo Card
Bank of Melbourne Vertigo Card image
Purchase rate p.a.
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 28 months with 1% balance transfer fee, then 21.49%
Annual fee
$55
More Info
Save with a 0% interest rate on balance transfers for the first 28 months (with a one-time a 1% balance transfer fee).
Bank of Melbourne Amplify Platinum
Bank of Melbourne Amplify Platinum image
Amplify Rewards
Purchase rate p.a.
19.49%
Bonus points
100,000
Points per $ spent
1
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$49 first year ($124 after)
More Info
Get 100,000 bonus Amplify Points (worth $450 in gift cards) when you spend $3,000 in the first 90 days and a first-year annual fee discount.
Bank of Melbourne Amplify Signature
Bank of Melbourne Amplify Signature image
Amplify Rewards
Purchase rate p.a.
19.49%
Bonus points
150,000
Points per $ spent
1.5
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$199 first year ($295 after)
More Info
Earn 150,000 bonus Amplify Points when you spend $12,000 in the first 12 months. Plus, a reduced first-year annual fee.
Bank of Melbourne Amplify Qantas Platinum
Bank of Melbourne Amplify Qantas Platinum image
Qantas Frequent Flyer
Purchase rate p.a.
19.49%
Bonus points
70,000
Points per $ spent
0.5
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$174 first year ($199 after)
More Info
Get up to 70,000 bonus Qantas Points (60k points when you spend $3,000 within the first 90 days and 10k after the first spend in year 2).
Bank of Melbourne Amplify Qantas Signature
Bank of Melbourne Amplify Qantas Signature image
Qantas Frequent Flyer
Purchase rate p.a.
19.49%
Bonus points
90,000
Points per $ spent
0.75
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$370
More Info
Receive 90,000 bonus Qantas Points when you spend $6,000 in 90 days.
Bank of Melbourne No Annual Fee Card
Bank of Melbourne No Annual Fee Card image
Purchase rate p.a.
20.74%
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
$0
More Info
Save with an ongoing $0 annual fee. Plus, a minimum credit limit of $500.
Bank of Melbourne Corporate Mastercard
Bank of Melbourne Corporate Mastercard image
Purchase rate p.a.
0%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 35 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
More Info
Experience a complete financial management system available online and the protection of complimentary insurances.
Bank of Melbourne Amplify Business Credit Card
Bank of Melbourne Amplify Business Credit Card image
Amplify Rewards / Qantas Frequent Flyer
Purchase rate p.a.
19.49%
Bonus points
N/A
Points per $ spent
1
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
N/A
Annual fee
$0 first year ($89 after)
More Info
Get a $0 annual fee in the first year and earn uncapped Amplify Points or Qantas Points on business purchases.
Bank of Melbourne Vertigo Card - Cashback Offer
Bank of Melbourne Vertigo Card - Cashback Offer image
Purchase rate p.a.
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, then 21.49%
Annual fee
$55
More Info
Offers up to $400 cashback when you shop at any eligible supermarket. Plus, a competitive purchase interest rate.
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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 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. Amplify is the rewards program for St.George, Bank of Melbourne and BankSA.

You can redeem your points 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

Bank of Melbourne offers two credit cards that earn Qantas Points per $1 spent: the Bank of Melbourne Amplify Platinum Qantas and the Bank of Melbourne Amplify Signature Qantas.

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.

Balance transfer offers with Bank of Melbourne 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.

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.

Notify Bank of Melbourne that you want to do a balance transfer when you apply for a card.

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.

  • Instalment plans

Bank of Melbourne offers 0% interest instalment plans via a program called Plan&Pay. You can pay off any new purchases over $200 over 3, 6 or 12 months.

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.

  • 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.

Eligibility criteria

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

Want to compare a wider range of credit cards? Check out the latest offers for rewards, balance transfers, low rates and more.

Written by

Amy Bradney-George

Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full profile

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16 Responses

    Default Gravatar
    nathanOctober 2, 2017

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

      AvatarFinder
      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

    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?

      AvatarFinder
      DeeAugust 31, 2016Finder

      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

    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

      AvatarFinder
      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

    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

      AvatarFinder
      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

    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

      AvatarFinder
      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

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