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Bank of Melbourne

Bank of Melbourne Credit Cards

Part of the Westpac Group, Bank of Melbourne offers a complete range of credit cards from no-frills to premium frequent flyer.

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Bank of Melbourne (BOM) is one of the largest regional banks in Australia. While anyone can sign-up for an account, it only has branches in Victoria. As well as offering credit cards for personal use, BOM also provides credit card options to help you manage your business and corporate finances.

Depending on which credit card you choose, you'll get access to mobile wallets, Plan&Pay Instalment plans and a wide range of offers through My Offers Hub.

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)
  • Compatible with Google Pay, Apple Pay and Samsung Pay
  • 0% p.a. on purchases for 6 months (reverts to 13.99% p.a.)
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Comparison of Bank of Melbourne Credit Cards

Data updated regularly
Name Product Purchase rate Balance transfer rate Annual fee
Bank of Melbourne Vertigo Card
Bank of Melbourne Vertigo Card
0% p.a. for 6 months, reverts to 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.
Go to site
More Info
Bank of Melbourne Amplify Platinum - Qantas
Bank of Melbourne Amplify Platinum - Qantas
19.74% p.a.
0% p.a. for 15 months with 1% balance transfer fee
$99
Get 60,000 bonus Qantas Points when you spend $3,000 within the first 90 days.
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More Info
Bank of Melbourne Amplify Platinum
Bank of Melbourne Amplify Platinum
19.74% p.a.
0% p.a. for 15 months with 1% balance transfer fee
$99
Get 80,000 bonus Amplify points (worth $350 in eGift cards) when you spend $3,000 in the first 90 days.
Go to site
More Info
Bank of Melbourne Amplify Signature
Bank of Melbourne Amplify Signature
19.74% p.a.
0% p.a. for 15 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.
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More Info
Bank of Melbourne Amplify Signature - Qantas
Bank of Melbourne Amplify Signature - Qantas
19.74% p.a.
0% p.a. for 15 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.
Go to site
More Info
Bank of Melbourne No Annual Fee Card
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.
More Info
Bank of Melbourne Corporate Mastercard
Bank of Melbourne Corporate Mastercard
0% p.a.
Experience a complete financial management system available online and the protection of complimentary insurances.
More Info
Bank of Melbourne Amplify Business Credit Card
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.
More Info
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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

The Bank of Melbourne Vertigo Visa credit card offers a low variable interest rate on purchases. This can help you save money if you don't pay your credit card in full every month.

  • 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 on purchases if you pay your monthly payment balance as listed on your statement by the due date.

  • 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.

  • Mobile payment and banking options

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. This also means you can make contactless payments using an eligible device when you link your Bank of Melbourne credit card to Apple Pay, Samsung Pay or Google Pay.

  • 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.
  • What is your 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.

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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16 Responses

    Default Gravatar
    nathanOctober 2, 2017

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

    Reply
      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

      Reply
    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?

    Reply
      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

      Reply
    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

    Reply
      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

      Reply
    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

    Reply
      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

      Reply
    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

    Reply
      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

      Reply
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