Bank of Melbourne

Bank of Melbourne Credit Cards

Bank of Melbourne offers a complete range of credit cards, from no-frills to premium frequent flyer rewards.

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Bank of Melbourne (BOM) is part of the Westpac Group and is one of the largest regional banks in Australia. As well as offering credit cards for your everyday spending, BOM has a range of business and corporate credit cards.

Depending on the credit card you choose, you'll get access to mobile wallets, instalment plans and special shopping deals through My Offers Hub. Plus, anyone can sign-up for a BOM account (although it only has branches in Victoria).

Bank of Melbourne Credit Card Offer

Bank of Melbourne Vertigo Card

0% p.a. for 32 months on balance transfers
Pay $0 annual fee for the first year

Offer ends 24 February 2022

Eligibility criteria, terms and conditions, fees and charges apply

Bank of Melbourne Credit Card Offer

Save with a long-term 0% balance transfer offer and $0 first-year annual fee with the Bank of Melbourne Vertigo Classic Card.

  • 0% p.a. for 32 months on balance transfers, with no balance transfer fee
  • Annual fee: $0 for the first year (reverts to $55 p.a. thereafter)
  • Purchase rate of 13.99% p.a. and cash advance rate of 21.49% p.a.
  • Compatible with Google Pay, Apple Pay and Samsung Pay
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Bank of Melbourne Credit Cards Comparison

Name Product Purchase rate Balance transfer rate Annual fee
Bank of Melbourne Vertigo Card
13.99% p.a.
0% p.a. for 32 months
$0 annual fee for the first year ($55 p.a. thereafter)
Save with a 0% interest rate on balance transfers for 32 months (with no balance transfer fee) and a $0 annual fee for the first year.
Bank of Melbourne Amplify Platinum
19.49% p.a.
0% p.a. for 24 months with 1% balance transfer fee
$49 annual fee for the first year ($99 p.a. thereafter)
Get 130,000 bonus Amplify Points (worth $550 in gift cards) when you spend $3,000 in the first 90 days and and a first-year annual fee discount.
Bank of Melbourne Amplify Signature
19.49% p.a.
0% p.a. for 24 months with 1% balance transfer fee
$279
Up to 200,000 bonus points (100k in the 1st year & 100k in the 2nd year) - worth $900 in gift cards - when you spend $12k/year for the first 2 years.
Bank of Melbourne Vertigo Card - Purchase Offer
0% p.a. for 18 months, reverts to 13.99% p.a.
$0 annual fee for the first year ($55 p.a. thereafter)
Get 0% p.a. interest on purchases for 18 months and a $0 first-year annual fee.
Bank of Melbourne Amplify Platinum - Qantas
19.49% p.a.
0% p.a. for 24 months with 1% balance transfer fee
$99
Get 60,000 bonus Qantas Points when you spend $3,000 within the first 90 days.
Bank of Melbourne Amplify Signature - Qantas
19.49% p.a.
0% p.a. for 24 months with 1% balance transfer fee
$279
Receive 90,000 bonus Qantas Points when you spend $6,000 in 90 days. Plus, a 0% balance transfer offer.
Bank of Melbourne No Annual Fee Card
0% p.a. for 12 months, reverts to 20.74% p.a.
$0
Save with a 0% interest rate on purchases for 12 months and an ongoing $0 annual fee.
Bank of Melbourne Corporate Mastercard
0% p.a.
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 annual fee for the first year ($89 p.a. thereafter)
Save with a $0 annual fee in the first year and earn uncapped rewards points on business purchases.
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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 debt remaining 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

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.

  • 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:

  • Contactless payments

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 PayGoogle PaySamsung PayFitbit PayGarmin Pay
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  • 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 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.

  • Security

Bank of Melbourne credit cards come with 24/7 fraud monitoring and support services to help keep your account safe. If you suspect any suspicious transactions or need to report a lost, stolen or damaged card, you can contact the Bank of Melbourne 24/7 customer service centre in Australia by calling 1800 772 266, or call from overseas on +61 3 8536 7870. 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.

Have a question about your application? Call Bank of Melbourne on 13 22 66 and someone will be able to help you.

Credit card details

During the application, you'll be asked about the details of your new St.George credit card. The two 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.

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.

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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 Customer Care
      JoanneOctober 3, 2017Staff

      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 Customer Care
      DeeAugust 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

    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 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

    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 Customer Care
      JonathanApril 10, 2015Staff

      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 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

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