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.
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.
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:
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 calling Bank of Melbourne on you can do this you can do so at any time 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 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.
Important links and details
Bank of Melbourne customer service phone number: 13 22 66 Hours of operation: 8am-8pm, Monday-Saturday (AEST)
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
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Richard Whitten is Finder’s Money Editor, with over seven years of experience in home loans, property 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 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 Graduate Certificate in Communications from Deakin University. See full bio
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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?
Finder
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
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.
The Bank of Melbourne Amplify Qantas Platinum offers bonus Qantas Points, points as you spend and travel perks including complimentary travel and purchase insurance.
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?
Weigh up the features of the Bank of Melbourne Amplify Signature, including a competitive reward points earn rate, up to 180,000 bonus points and complimentary lounge passes.
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.
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require card that maximizes frequent flyer points & able to charge land tax ,
council rates etc .
with thanks
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
When i balance transfer my credit card to bank of Melbourne can my partner and i make a joint application?
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
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
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
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
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
I lodged an application for a credit card on Monday the
9/2 Could you please advise the status of this card application
Thanks
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