Bank of Melbourne Credit Cards

Anyone can apply for a card from Bank of Melbourne and enjoy the benefits of their highly competitive interest rates and rewards.

11 reviews
0% p.a. for 18 months on balance transfers. Reverts to cash advance rate. (1% balance transfer fee applies).
$0 p.a. annual fee for the first year (save $55).
Low ongoing variable purchase interest rate of 13.24% p.a.

The Bank of Melbourne of today prides itself on covering one market, doing it with local resources, and doing it well: “No one understands Victorians better.” Its focus has paid off: in 2011, it was recognised for Best Cash Management – Business Bank at the annual Australian Banking & Finance Awards. In the next five years, the bank plans to grow to over 100 branches and 300 ATMs across three regions: Melbourne, Geelong and regional Victoria. It issues several credit cards, with a variety of options designed to meet the demands of everyone from first-time credit card users to frequent flyer warriors. Read below about the bank’s services and history, or use the table to find the right credit card for you.

balance transfer
purchase rate
annual fee
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Bank of Melbourne Vertigo Platinum Credit Card
Apply by 18 apr 18
3 reviews
0% p.a. for 24 months on balance transfers. Reverts to cash advance rate. (1% balance transfer fee applies).
Complimentary overseas travel insurance and extended warranty on purchases.
Up to 55 days on purchases.
More info
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24 months
0% p.a.
then 21.49%
with a 1% fee
12.74% p.a.
ongoing
$99
ongoing
Bank of Melbourne Vertigo Visa
Apply by 18 apr 18
11 reviews
0% p.a. for 18 months on balance transfers. Reverts to cash advance rate. (1% balance transfer fee applies).
$0 p.a. annual fee for the first year (save $55).
Low ongoing variable purchase interest rate of 13.24% p.a.
More info
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18 months
0% p.a.
then 21.49%
with a 1% fee
13.24% p.a.
ongoing
$0
1st year
then $55
Bank of Melbourne Amplify Credit Card
Apply by 18 apr 18
4 reviews
Flexibility to choose the rewards program that better suits you.
0% p.a. for 18 months on balance transfers. (1% balance transfer fee applies).
Up to 55 days on purchases.
More info
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18 months
0% p.a.
then 20.24%
with a 1% fee
19.49% p.a.
ongoing
$79
ongoing
Bank of Melbourne Amplify Platinum Credit Card
Apply by 18 apr 18
3 reviews
Up to 60,000 points. Conditions Apply.
Flexibility to choose the rewards programs that better suits you: Amplify or Qantas.
No cap on the number of points you can earn.
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-
19.49% p.a.
ongoing
$99
ongoing
Bank of Melbourne Amplify Signature Credit Card
Apply by 18 apr 18
1 review
Up to 90,000 points. Conditions Apply.
No cap on the number of points you can earn.
Every year get a birthday bonus with a 10% extra points of the total points earned in the previous year.
More info
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-
19.49% p.a.
ongoing
$279
ongoing
Bank of Melbourne No Annual Fee Card
Apply by 18 apr 18
2 reviews
Pay no annual fee, ever.
0% p.a. on balance transfers for 12 months.
You can have 3 additional cards at no extra cost.
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12 months
0% p.a.
then 20.49%
with a 1% fee
20.49% p.a.
ongoing
$0
ongoing
 

Q&As about Bank of Melbourne Credit Cards from customers

Q: Am I eligible?

To qualify for a Bank of Melbourne credit card you must be 18 years of age or older, a permanent resident of Australia, have a good credit history and earn above a minimum income threshold, which varies between different cards. You do not have to be a Victoria resident.

Q: What types of transactions earn rewards points?

On both Amplify Rewards and Amplify Qantas rewards programs, only eligible purchases made using your credit card earn points. Balance transfers, BPAY transactions and cash advances earn no points. Refunds and charge back transactions reverse the points value of the original transaction. You should always study the program’s terms and conditions to make sure the way in which points are earned suits the way you want to use your credit card.

Q: How long does it take for my points to be updated or transferred?

On the Amplify Rewards program, points are added to your account the next working day after a transaction is posted on your account. On the Amplify Qantas program, points are applied to your account at the end of each statement cycle. You can check your points balance online through the bank’s internet banking service if you are on the Amplify Rewards program, or through the Qantas Frequent Flyer website if you are on that scheme.

Q: How do I redeem my points?

If you are on the Amplify Rewards program, you need a minimum of 3,000 points before you can start redeeming them. Once you have enough points, you can log on to the Bank of Melbourne Amplify Rewards website to browse for rewards and redeem points online. You can also call Amplify Card Services and redeem points over the phone.

For Amplify Qantas, points can be redeemed either online at the Qantas Frequent Flyer internet site or over the phone.

Q: What information do I need when I apply?

You will need your driver’s licence number if you have one; details of your weekly income after tax; details of all of your assets, savings and investments; information on any debts including current credit cards and store accounts, repayment amounts and balance owing. If you are self-employed you will also need to provide recent tax information.

Q: How long will it take to apply and receive my new card?

The online application process usually takes about 10 to 15 minutes to complete, and once submitted you should receive an answer straightaway. If you have supplied all the necessary information and are successfully approved, you should receive your new card via post within 10 working days.

Q: What other services do they offer?

The bank provides transaction and savings accounts, home and personal loans, insurance, investments and super, along with a range of personal credit cards.

Business customers can make use of the Bank of Melbourne’s tailored business products, including transaction and savings accounts, loans, payment solutions credit cards, super and insurance, overdrafts, line of credit and equipment finance. The bank also provides business advisory services covering issues such as starting and growing businesses, cash flow and staff management.

Corporate services are customised to suit the type of business and industry, with products including bank bill finance, trade finance, equipment finance, car finance, property finance, corporate finance, cash flow finance and risk management solutions.

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