Bank of Melbourne Credit Cards | Reviews & Comparison

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.

10 reviews
0% p.a. for 22 months on balance transfers with 1.5% balance transfer fee. Reverts to cash advance rate.
0% p.a. on purchases for up to 7 months from card approval (reverts to 13.99% thereafter).
$0 p.a. annual fee for the first year ($55 p.a. thereafter).
People are happy
Rated 4.8 out of 5 for customer satisfaction.
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balance transfer
purchase rate
annual fee
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NEW
Bank of Melbourne Vertigo Visa
Apply by 30 sep 20
10 reviews
0% p.a. for 22 months on balance transfers with 1.5% balance transfer fee. Reverts to cash advance rate.
0% p.a. on purchases for up to 7 months from card approval (reverts to 13.99% thereafter).
$0 p.a. annual fee for the first year ($55 p.a. thereafter).
More info
Add to comparison
22 months
0% p.a.
then 21.49%
with a 1.5% fee
7 months
0% p.a.
then 13.99%
$0
1st year
then $55
NEW
Bank of Melbourne Amplify Platinum Credit Card (Amplify)
Apply by 30 sep 20
0% p.a. for 22 months on balance transfers with 1.5% balance transfer fee. Reverts to cash advance rate.
0% p.a. on purchases for up to 7 months from card approval (reverts to 19.74% thereafter).
$0 p.a. annual fee for the first year ($99 p.a. thereafter).
More info
Add to comparison
22 months
0% p.a.
then 21.49%
with a 1,5% fee
7 months
0% p.a.
then 19.74%
$0
1st year
then $99
Bank of Melbourne Amplify Signature Credit Card (Amplify)
Apply by 30 sep 20
Up to 200,000 Bonus Amplify Rewards Points. Conditions Apply.
Reduced annual fee of $139 p.a. in the first year, currently saving you $140.
Every year get a birthday bonus with 10% extra points of the total points earned in the previous year.
More info
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6 months
0% p.a.
then 21.49%
with a 0% fee
19.74% p.a.
ongoing
$139
1st year
then $279
Bank of Melbourne Amplify Platinum Credit Card (Qantas)
Apply by 30 sep 20
2 reviews
Earn 60,000 Qantas bonus points. Conditions Apply.
Flexibility to choose the rewards programs that better suits you.
No cap on the number of points you can earn.
More info
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6 months
0% p.a.
then 21.49%
with a 0% fee
19.74% p.a.
ongoing
$99
ongoing
NEW
Bank of Melbourne Amplify Signature Credit Card (Qantas)
Apply by 30 sep 20
Up to 90,000 points Qantas points. Conditions Apply.
Enjoy 0% p.a. for 6 months with 0% fee on balance transfers requested at new card application. Rate reverts to cash advance rate.
Every year get a birthday bonus with 10% extra points of the total points earned in the previous year.
More info
Add to comparison
6 months
0% p.a.
then 21.49%
with a 0% fee
19.74% p.a.
ongoing
$279
ongoing

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Q&As about Bank of Melbourne Credit Cards from customers

Why should I choose Bank of Melbourne?

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.

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.

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.

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.

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.

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.

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.

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.

People are happy

Rated 4.8 out of 5 for customer satisfaction.
"Credit Card Compare was invaluable in saving me the time of wading through all the various caps etc. that are now in place. Good service."
D. Jones, NSW
"Thanks Credit Card Compare. Your prompt replies to my questions have been really helpful and most important fast. Will recommend you to my friends and acquaintances definitely!"
P. McGowan, NSW
"Really great service! Answers were prompt, easy to read and understand. Made my decision much easier. Thank you Credit Card Compare!"
Narelle, QLD
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