Bank of Melbourne Credit Cards

Compare Bank of Melbourne credit card features and offers, including up to 24 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 Online Offer

0% p.a. for 24 months on balance transfers
$0 annual fee for the first year

Offer ends 30 June 2018

Eligibility criteria, terms and conditions, fees and charges apply

Bank of Melbourne Credit Card Online Offer

A platinum credit card with complimentary insurance covers, combined with a long-term balance transfer offer and an annual fee waiver in the first year when you apply online.

$0 p.a. annual fee for the first year ($99 p.a. thereafter).
12.74% p.a. on purchases
0.00% p.a. for 24 months with 1% BT fee on balance transfers
Cash advance rate of 19.49% p.a.
Up to 55 days interest free

Go to site

More info

Comparison of Bank of Melbourne Credit Cards

Rates last updated May 21st, 2018

Name	Balance transfer rate (p.a.)	Purchase rate (p.a.)	Bonus Points	Annual fee	Product Description
Bank of Melbourne Vertigo Platinum Card - Online Offer	0% p.a. for 24 months with 1% balance transfer fee	12.74% p.a.		$0 p.a. annual fee for the first year ($99 p.a. thereafter)	Online only: Enjoy 0% p.a. interest for 24 months on balance transfers (with a one-time 1% BT fee). Plus, a $0 first year annual fee.	Go to site More info	Compare	loading Fetching your data...
Bank of Melbourne Amplify Platinum		19.49% p.a.	50,000 bonus points	$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.	Go to site More info	Compare	loading Fetching your data...
Bank of Melbourne Vertigo Visa Credit Card	0% p.a. for 18 months with 1% balance transfer fee	13.74% p.a.		$55 p.a.	Enjoy a 0% p.a. for 18 months balance transfer offer. Plus, up to 55 days interest-free on purchases.	Go to site More info	Compare	loading Fetching your data...
Bank of Melbourne Amplify Card	3% p.a. for 36 months	19.49% p.a.		$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.	Go to site More info	Compare	loading Fetching your data...
Bank of Melbourne Amplify Signature		19.49% p.a.	90,000 bonus points	$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.	Go to site More info	Compare	loading Fetching your data...
Bank of Melbourne Vertigo Platinum	0% p.a. for 24 months with 1% balance transfer fee	12.74% p.a.		$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.	More info	Compare	loading Fetching your data...
Bank of Melbourne No Annual Fee Card	0% p.a. for 12 months with 1% balance transfer fee	20.49% p.a.		$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.	More info	Compare	loading Fetching your data...
Bank of Melbourne Corporate Mastercard					Experience a complete financial management system available online and the protection of complimentary insurances.	More info	Compare	loading Fetching your data...
Bank of Melbourne Amplify Business Credit Card		0% p.a. for 12 months (reverts to 19.49% p.a.)		$0 p.a. annual fee for the first year ($89 p.a. thereafter)	Earn an uncapped 1 Amplify Rewards point per $1 spent in Australia and take advantage of 3 complimentary insurance covers.	More info	Compare	loading Fetching your data...

Compare up to 4 providers

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 it's 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.

Compare low rate credit cards here

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.
Compare no annual fee credit cards here

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.
Compere rewards credit cards here

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.

Once you complete and submit your application for a Bank of Melbourne credit card, you should get an email back from the bank within minutes. The Bank of Melbourne will let you know about the status of your application, which can be approved, declined, or conditionally approved. Conditional approval means you need to provide more information to the bank (like payslips for example) before you can be fully approved.
The email from the bank will also have your application reference number. You can use this number to check on the status of your credit card application.
If you have been approved for a credit card, you should receive your credit card within two weeks. You can elect to pick it up from a branch or you can have it sent to your home address. Once you get your card, activate it by calling the Bank of Melbourne (if you collect the card from a branch they will activate it for you when you pick it up).
If you have not heard from the bank following the submission of your application, call a customer service representative on 13 22 66, Monday to Saturday between 8AM and 8PM.
Every credit card has a minimum monthly repayment. In other words, this is the minimum amount you have to pay off your credit card each statement period (if you’re carrying a debt).
You can find the minimum repayment information for each Bank of Melbourne credit card on our review pages.
The minimum monthly repayment must be made by the date shown on your Bank of Melbourne credit card statement, otherwise a late fee will be charged.
If you would like to transfer your credit card debt to a Bank of Melbourne credit card, you can do so when you apply online. You can also transfer a balance to an existing Bank of Melbourne credit card by completing a balance transfer request form. This form is available from the Bank of Melbourne website or Bank of Melbourne internet banking facility.
The following balance transfer limits apply.
You can transfer as little as $200.
You can transfer up to 80% on your new Bank of Melbourne credit card.
Balance transfers will not be accepted from other Bank of Melbourne, St.George or BankSA credit cards. You can transfer from any other credit, store and charge card issued in Australia.
The balance transfer period starts when the credit card is activated. Allow up to 14 days for the balance transfer to be processed once you activate your Bank of Melbourne credit card.
You can apply for a supplementary card when you first apply for the Bank of Melbourne credit card. You can also add an additional card to your account after you’ve applied by downloading, completing and sending in an Additional Cardholder Application Form. This is found on the Bank of Melbourne website. Each additional cardholder must be over the age of 16 and must be an Australian resident.
Have a look at our Bank of Melbourne credit card review pages for information about how many additional cardholders you can add to your Bank of Melbourne credit card account.
To prevent liability for fraudulent use of your credit card, you need to get in touch with the Bank of Melbourne as soon as you know that your card has been lost or stolen. The bank will block your credit card right away and make sure that a replacement is sent out to you.
The Bank of Melbourne can be contacted 24 hours a day, 7 days a week.
If you’re calling from within Australia: 1800 772 266
If you’re calling from overseas: +61 3 8536 7870
If you’re overseas and you’re stuck without cash, you can contact Visa or Mastercard to organise an emergency cash advance. The funds in your account can be made available for you to collect from a local merchant while you wait for a replacement card to be sent out to you.
Bank of Melbourne monitors your account 24/7 using a fraud detection service. If an unusual transaction appears on your account, like a purchase in a foreign country, Bank of Melbourne will attempt to contact you to confirm that it’s you carrying out the transaction and not someone else. If they can’t reach you to verify the transaction, your account will be blocked to prevent further use. In the event that it was actually you who carried out the transaction, a call to Bank of Melbourne is all it takes to get your credit card operating normally again.
You’re also protected by the Visa Zero Liability Policy. If you’re the victim of credit card fraud when you use your card to shop online or to make purchases over the counter, Visa and the Bank of Melbourne will fully reimburse you the defrauded amount as long as you have not contributed to the loss and you contact Visa and the Bank of Melbourne immediately.
Bank of Melbourne will assign you a credit limit when you first apply for a credit card. This credit limit is how much the bank is willing to lend to you and is based on how much you can afford to repay.
Each credit card from the Bank of Melbourne has a maximum and a minimum credit limit.
You can apply for a credit limit increase once you’ve had your Bank of Melbourne credit card for six months, and you mustn’t have requested a credit limit increase in the last six months.
You can request a credit limit increase online through your Bank of Melbourne internet banking facility or by sending in a Credit Limit Increase Application Form. You can also request a credit limit increase over the phone by calling Bank of Melbourne on 13 22 66.
If you want a lower credit limit than what you’ve been granted, speak to a Bank of Melbourne representative on 13 22 66 and ask for a credit limit decrease. You can do this at any time.
Bank of Melbourne Amplify Rewards credit cards also allow you get rewarded with Qantas Points if you’re a member of the Qantas frequent flyer program. This can be a great way to keep your Qantas Points balance growing. You can elect to opt-in to the Qantas Program when you apply for the credit card, or you can opt-in once you’ve got your card by completing a Program Switch Request form. This is found on the Bank of Melbourne website.
If you switch from the Amplify Rewards Program to the Qantas Program, you have 90 days to use Amplify Points before they expire.
Any points you have accrued with the Amplify Program cannot be transferred to your Qantas membership.
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.

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16 Responses

October 2, 2017

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

Reply
- Staff
  
  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
  
  Reply
TiffyAugust 31, 2016

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

Reply
- Staff
  
  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
  
  Reply
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
- Staff
  
  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
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
- Staff
  
  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
  
  Reply
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
- Staff
  
  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
nickJuly 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??

Reply
- Staff
  
  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
  
  Reply
- 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
  
  Reply
- Staff
  
  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
  
  Reply
steveApril 21, 2013

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

Reply
- Staff
  
  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.
  
  Reply

Credit Cards Comparison

Rates last updated May 21st, 2018

Name	Purchase rate (p.a.)	Balance transfer rate (p.a.)	Annual fee	Product Description
Westpac Low Rate - Online Offer	13.49% p.a.	0% p.a. for 26 months with 2% balance transfer fee	$0 p.a. annual fee for the first year ($59 p.a. thereafter)	Take advantage of 0% p.a. for 26 months on balance transfers with a one-time 2% balance transfer fee and a $0 first year annual fee.	Go to site More info	Compare	loading Fetching your data...
HSBC Platinum Credit Card	19.99% p.a.	0% p.a. for 22 months with 2% balance transfer fee	$0 p.a. annual fee for the first year ($129 p.a. thereafter)	Offers a 0% p.a. for 22 months balance transfer, $0 annual fee for the first year and an annual fee refund each year when you spend $6,000.	Go to site More info	Compare	loading Fetching your data...
NAB Low Fee Platinum Card	19.74% p.a.	0% p.a. for 24 months with 2% balance transfer fee	$90 p.a.	Offers 7 complimentary insurance covers, a 0% p.a. for 24 month balance transfer and access to a 24/7 concierge service for a $90 p.a. annual fee.	Go to site More info	Compare	loading Fetching your data...
Citi Platinum Credit Card - 100k Bonus Points	20.99% p.a.	0% p.a. for 15 months with 1% balance transfer fee	$49 p.a. annual fee for the first year ($149 p.a. thereafter)	Earn 100,000 reward Points, enjoy a long-term balance transfer offer, a discounted first year annual fee and complimentary travel insurance.	Go to site More info	Compare	loading Fetching your data...

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* 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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Bank of Melbourne Credit Cards

Compare Bank of Melbourne credit card features and offers, including up to 24 months on balance transfers, 0% on purchases, no annual fees, rewards and platinum benefits.

0% p.a. for 24 months on balance transfers$0 annual fee for the first year

Bank of Melbourne Credit Card Online Offer

Comparison of Bank of Melbourne Credit Cards

Compare up to 4 providers

Types of credit cards from Bank of Melbourne

Low rate credit cards

No annual fee credit cards

Rewards credit cards

The benefits of banking with Bank of Melbourne

Westpac Group ATM access

Manage your account online

Birthday Bonus

Rewards program options – Amplify Rewards or Amplify Qantas

Visa purchase power

How to compare Bank of Melbourne credit cards

How to apply for a Bank of Melbourne credit card

Eligibility criteria

Documents and details

Frequently asked questions

What happens after I submit my Bank of Melbourne credit card application?

What’s the minimum repayment on my Bank of Melbourne credit card?

How can I transfer my credit card debt to a Bank of Melbourne credit card?

How do I get a second card for a family member?

What do I do if my Bank of Melbourne credit card is lost or stolen?

How is my Bank of Melbourne credit card protected from fraud?

How can I raise my credit limit on my Bank of Melbourne credit card?

How do I earn Qantas Points with my Amplify Rewards Credit Card?

How do I cancel my Bank of Melbourne credit card?

What else can you tell me about Bank of Melbourne?

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0% p.a. for 24 months on balance transfers
$0 annual fee for the first year