In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
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Bank of Melbourne BusinessVantage Visa Credit Card

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Bank of Melbourne BusinessVantage Visa
Terms and conditions apply
Purchase rate
9.99% p.a.
Annual fee
$55 p.a.
Interest-free on purchases
Up to 55 days

Our verdict

New cardholders can manage business spending with a low purchase rate of 9.99% and additional cards for employees.

The Bank of Melbourne BusinessVantage credit card combines a competitive 9.99% p.a. purchase rate with practical features for smaller businesses. Chief among these is up to 99 additional cards for employees, which can help simplify expense reporting and manage business spending through a central account.

The account also offers detailed statements and optional summaries by department or division – features which could be useful for expense reports and financial management across your business. Another key detail of this card is that it offers joint and several liability for the account. This means you can share responsibility between co-owners or partners in the business, rather than holding just one person responsible (as you would with a personal liability business credit card).


  • Charges a competitive 9.99% p.a. purchase rate
  • Up to 99 additional credit cards for your employees
  • Complimentary insurance against unauthorised transactions


  • Charges a 3% foreign transaction fee

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question

The Bank of Melbourne BusinessVantage Visa is a low rate credit card that offers up to 10 cards linked to the one account and complimentary unauthorised transaction insurance.


Product details

Product Name Bank of Melbourne BusinessVantage Visa
Purchase rate p.a.
Interest-free period
Up to 55 days on purchases
Cash advance rate p.a. 17.15%
Min credit limit $1,000
Card type Visa


Available to temporary residents No
Joint application No


Bonus points N/A


Annual fee
Late payment fee $0
Foreign currency conversion fee
Cash advance fee 3%
Overseas cash advance fee 3% of each cash advance amount
Additional cardholder fee $55
Number of additional cardholders 99

How to apply

You can apply for the Bank of Melbourne BusinessVantage Visa credit card by calling 13 82 66 or visiting a branch. Get started now by going through the following eligibility criteria and making sure you have the relevant documents and details for the application form.

Eligibility criteria

  • Business details. You must have a business registered in Australia and must intend to use the card mainly for business spending.
  • Age. You must be at least 18 years old to apply.

Card benefits

  • Competitive purchase rate. Manage your cash flow with a low variable rate of 9.99% p.a. for purchases (new cards only).
  • Up to 55 days interest-free. Get interest-free days on purchases when you pay the full closing balance on your statement by the due date.

Rates & fees

  • Annual fee. There is an annual fee of $55 p.a. per card for the Bank of Melbourne BusinessVantage account.
  • Cash advance rate. This card has a standard variable interest rate of 17.15% p.a. for cash advance transactions. Note that cash advances are ineligible for interest-free days.

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