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

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.

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

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.

How do I cancel my Bank of Melbourne credit card?

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 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.

What else can you tell me about Bank of Melbourne?

Bank of Melbourne operates under the Westpac umbrella along with St.George and BankSA. It is based in Victoria, where it still has branches and ATMs, though the branch network has been cut back sharply in recent years and closures are ongoing. Check the Bank of Melbourne branch locator for what is open near you. 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.

Bank of Melbourne credit cards: Low rates & rewards

4.1 (432 reviews) Write a review

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.

Bank of Melbourne credit cards comparison

Purchase rate p.a.	Bonus points	Points per $ spent	Interest-free period	Balance transfer rate p.a.	Annual fee
Bank of Melbourne Vertigo Card Most Loved	13.99%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 0% for 20 months with 3% balance transfer fee, then 21.99%	Annual fee $84	View details Compare product selectionCompare	loading
Bank of Melbourne Vertigo Card - Cashback Offer Most Loved	13.99%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 6.99% for 12 months with 0% balance transfer fee, then 21.99%	Annual fee $84	Get $75 cashback each month when you spend at least $1,000/month for the first 6 months from approval (up to $450 cashback). T&Cs apply.	View details Compare product selectionCompare	loading
Bank of Melbourne Amplify Rewards Signature Amplify Rewards	23.98%	Bonus points 90,000	Points per $ spent 1	Interest-free period Up to 45 days on purchases	Balance transfer rate p.a. N/A	Annual fee $199 first year ($295 after)	View details Compare product selectionCompare	loading
Bank of Melbourne Amplify Qantas Signature Qantas Frequent Flyer	23.98%	Bonus points 60,000	Points per $ spent 0.4	Interest-free period Up to 45 days on purchases	Balance transfer rate p.a. N/A	Annual fee $295	View details Compare product selectionCompare	loading
Bank of Melbourne Amplify Rewards Platinum Amplify Rewards	23.98%	Bonus points 50,000	Points per $ spent 1	Interest-free period Up to 45 days on purchases	Balance transfer rate p.a. N/A	Annual fee $99 first year ($175 after)	View details Compare product selectionCompare	loading
Bank of Melbourne Amplify Qantas Platinum Qantas Frequent Flyer	23.98%	Bonus points 30,000	Points per $ spent 0.33	Interest-free period Up to 45 days on purchases	Balance transfer rate p.a. N/A	Annual fee $175	View details Compare product selectionCompare	loading
Bank of Melbourne Amplify Business Credit Card Amplify Rewards	19.49%	Bonus points N/A	Points per $ spent 1.5	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. N/A	Annual fee $0 first year ($89 after)	View details Compare product selectionCompare	loading
Bank of Melbourne BusinessVantage Visa Finder Award	9.99%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. N/A	Annual fee $55	Competitive interest rate on purchases plus a complimentary insurance from unauthorised transactions.	View details Compare product selectionCompare	loading

Find a better credit card

Take our easy quiz and find the right card for you.

Congratulations, Bank of Melbourne!

Bank of Melbourne was a big winner in the 2026 Finder Awards.

Highly Commended, Best Balance Transfer Credit Card: Bank of Melbourne Vertigo Card
Highly Commended, Best Velocity Frequent Flyer Credit Card: Bank of Melbourne Amplify Rewards Signature
Highly Commended, Best Rewards Credit Card: Bank of Melbourne Amplify Rewards Signature
Winner, Best Low Interest Business Credit Card: Bank of Melbourne BusinessVantage Visa

Full list of 2026 credit cards winners

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.

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.

How to apply for a Bank of Melbourne credit card

Applying for a credit card online is fast and easy. You'll need to be at least 18 years of age and meet the card's eligibility criteria. For more about eligibility, the kinds of documentation you'll need and the factors that can affect whether your card application is approved, check out our full guide to applying for a credit card.

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:

Frequently asked questions

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 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 it still has branches and ATMs, though the branch network has been cut back sharply in recent years and closures are ongoing. Check the Bank of Melbourne branch locator for what is open near you. 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.

Compare other products from Bank of Melbourne

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.

Thank you for your feedback!

Written by

Amy Bradney-George

Journalist

Add to Preferred Sources

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

Amy's expertise

Amy has written 425 Finder guides across topics including:

Credit cards
Frequent flyer
Credit score
BNPL
Money management
Sustainability

Co-written by

Richard Whitten

Senior Money Editor

Richard Whitten is Finder’s Senior Money Editor, with over eight years of experience in home loans, property, credit cards 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 started his career in education and textbook publishing in South Korea. He 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 Bachelor of Education from the University of Sydney and a Graduate Certificate in Communications from Deakin University. See full bio

Richard's expertise

Richard has written 764 Finder guides across topics including:

Home loans
Credit cards
Personal finance
Money-saving tips

More resources on Finder

Ask a question

Click here to cancel reply.

Display name

Your email (will not be published)

Your question

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms Of Service and Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

16 Responses

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??

Finder

ShirleyJuly 15, 2014Finder

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

DFebruary 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

Finder

JonathanFebruary 16, 2015Finder

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

steveApril 21, 2013

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

Finder

JacobApril 22, 2013Finder

Hi Steve,

Thanks for your question. Please check the comparison of credit cards with uncapped frequent flyer points earning through our website.

I hope this helps.

Regards,
Jacob

Bank of Melbourne credit cards

Bank of Melbourne's credit card range includes the low rate Vertigo Card, several Qantas and Amplify Rewards cards, plus a no fee annual card.

Key takeaways