7.7/10

Based on 956 Bank of Melbourne product reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.

Bank of Melbourne credit cards

Looking for convenience in how you spend? Or maybe you want to be rewarded for all those shopping hours with freebies and points? Multiple 2023 Mozo Experts Choice Award winner, Bank of Melbourne, might just have a credit card to suit your needs.  Keep reading for all the facts, figures and fine print about a Bank of Melbourne credit card.

What credit cards do Bank of Melbourne offer?

Rates and fees verified as correct at 22 June 2024. Other information correct at the time of writing. Advertiser disclosure.

Low rate credit cards

On the other hand, if you’re someone who tends to carry a balance on their credit card, a low rate option can really help keep your bills manageable. Offering flexible features and a great interest rate,  a Bank of Melbourne low rate credit card can help you blast credit card debt quick!

Product Purchase rate Balance transfer rate Annual fees Interest free days on purchases

13.99% p.a.

0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)

$55

55

13.99% p.a.

6.99% p.a. for 12 months and then 21.49% p.a.

$55

55

Low fee credit cards

If you’re organised and prompt with your credit card payments, then you’re probably making some killer savings on interest - so why ruin it with a high annual fee? Opt for a no fee credit card from Bank of Melbourne and keep your credit card costs low. You deserve it for being so savvy with your payments!

Product Purchase rate Balance transfer rate Annual fees Interest free days on purchases

20.74% p.a.

No current offer

$0

55

13.99% p.a.

0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)

$55

55

13.99% p.a.

6.99% p.a. for 12 months and then 21.49% p.a.

$55

55

Rewards credit cards

Looking for flexible rewards options? Look no further. With the choice of three rewards cards ranks, you’re sure to find a Bank of Melbourne credit card to suit your shopping needs and budget. Just keep in mind that these cards pack a bigger punch in interest and annual fees, so make sure you’ll get enough use from the Bank of Melbourne Rewards Program to justify it!

Product Points per dollar Purchase rate Balance transfer rate Annual fees

1 point per dollar on Visa, uncapped

19.49% p.a.

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

$124 $49 in the first year

0.5 points per dollar on Visa, up to $100,000 per year

19.49% p.a.

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

$199

1.5 points per dollar on Visa, uncapped

19.49% p.a.

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

$295 $199 in the first year

0.75 points per dollar on Visa, up to $250,000 per year

19.49% p.a.

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

$370

Prestige cards

If you’re after a little bit of luxury in your spending experience, then Bank of Melbourne is sure to have a prestige credit card option to suit you. From low rate platinum offers to signature rewards cards, there’s a piece of plastic to meet every budget and spending style. Although your annual fee will generally be a little higher than the classic alternatives, these cards will let you ash inon great freebies and perks.

Product Points per dollar Purchase rate Balance transfer rate Annual fees

1 point per dollar on Visa, uncapped

19.49% p.a.

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

$124 $49 in the first year

0.5 points per dollar on Visa, up to $100,000 per year

19.49% p.a.

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

$199

1.5 points per dollar on Visa, uncapped

19.49% p.a.

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

$295 $199 in the first year

0.75 points per dollar on Visa, up to $250,000 per year

19.49% p.a.

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

$370

Frequent flyer credit cards

Business or pleasure? No matter how you travel, a Bank of Melbourne Qantas card is the perfect addition to any globetrotting wallet. These are rewards cards that automatically credit your points to the Qantas frequent flyer program, so you can bag those free flights with minimum fuss. And with three tiers to choose from, there’s a card for every budget!

Product Points per dollar Purchase rate Balance transfer rate Annual fees

0.5 points per dollar on Visa, up to $100,000 per year

19.49% p.a.

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

$199

0.75 points per dollar on Visa, up to $250,000 per year

19.49% p.a.

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

$370

Frequently Asked Questions about Bank of Melbourne credit cards

How many interest free days will I get with a Bank of Melbourne credit card?

Whichever Bank of Melbourne credit card option you choose, you’ll have 55 days to pay off any purchase before being hit with interest charges.

What fees might I be charged?

With the exception of the no fee credit card, you’ll pay an annual fee on any Bank of Melbourne credit card, which can range from quite low to significant, depending on which card you opt for. Others include an foreign currency conversion fee and cash advance fee.

Can I use my Bank of Melbourne credit card for a balance transfer?

Yes! All Bank of Melbourne credit cards offer a balance transfer option, with a fairly leisurely 0% interest period. You can transfer any amount from $200 up to 95% of your credit limit to help you pay off credit card debt. Just make sure you have a plan in place to pay it off before the interest free period is over, because after that, any remaining balance will be charged interest at the higher cash advance rate.

One little bit of fine print to keep in mind is that you can’t transfer balances from other Bank of Melbourne, St.George or BankSA credit cards.

To find out more about getting rid of debt with a balance transfer deal, check out our guide to balance transfers

Can I use contactless payment with my Bank of Melbourne credit card?

Yep! Your Bank of Melbourne credit card works on the VISA network - which means you can use PayWave to ‘tap’ payment for small purchases.

Can I use my Bank of Melbourne credit card while I’m travelling overseas?

Wherever VISA is accepted your Bank of Melbourne credit card is too. Just remember to factor the foreign conversion fees into your travel budget!

What kind of rewards and bonuses does my Bank of Melbourne credit card offer?

If you opt for a rewards credit card from Bank of Melbourne, you’ve got a few different options, and which one you choose will affect how many points you earn on your spending, and also what you can cash them in for. Check out our table below to see how many rewards points you’ll earn through the Bankwest Amplify Rewards Program for each dollar you spend.

RewardsRewardsQantasQantas
Aus purchasesOverseas purchasesAus purchasesOverseas purchases
Amplify Classic0.51
Amplify Platinum0.5112
Amplify Signature1.751.51.53

One of the great things about Bank of Melbourne rewards points is that they are uncapped and don’t expire, so you’ve got as long as you like to redeem them.

If you opt for an Amplify rewards card you can redeem points for things like gift vouchers, cashback and retail products. If you’ve got a bit of wanderlust, a Qantas card will funnel all your hard earned rewards points directly into the frequent flyers program to help you earn free flights faster.

How does Bank of Melbourne protect me from credit card fraud?

Worried about credit card fraud? We don’t want to cause you unnecessary stress, but it is definitely something you should be aware of. You can practice good credit card security yourself by keeping your PIN and card details secret, always keeping an eye on your card during transactions and regularly reviewing your statement for unusual purchases.

Bank of Melbourne also takes steps toward protecting you while you use your credit card, including:

The Bank of Melbourne fraud back money guarantee - means that you will be reimbursed for any fraudulent transactions on your card

24/7 fraud monitoring and detection to look out for unusual activity on your credit card and alert you to possible fraud

Secure online shopping through a network of secure systems and Verified by VISA

How are Bank of Melbourne credit cards rated?

Mozo users have rated Bank of Melbourne credit cards on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of credit-cards
Bank of Melbourne credit cards customer reviews
Overall
7.2/10
Price
6.5/10
Features
6.1/10
Customer service
7.2/10
Convenience
7.3/10
Trust
7.3/10
Based on 136 Bank of Melbourne product reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.

Recent Bank of Melbourne credit card reviews

Bank of Melbourne Amplify Rewards Platinum
Overall 4/10
Not happy

Shut to many branches

Read full review

Shut to many branches

Price
6/10
Features
7/10
Customer service
3/10
Convenience
2/10
Trust
3/10
Less
Angelo, Victoria, reviewed 3 months ago
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Overall 2/10
The bank of Melbourne have poor customer service

The bank of Melbourne have taken money out of my account to pay off my credit card. They did this without my permission and prior to the due date.

Read full review

The bank of Melbourne have taken money out of my account to pay off my credit card. They did this without my permission and prior to the due date.

Price
2/10
Features
2/10
Customer service
2/10
Convenience
2/10
Trust
2/10
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Sarah, Victoria, reviewed 2 months ago
Bank of Melbourne Vertigo
Overall 2/10
High charges on the credit card are unfair

Bad customer service and inattentive staff.

Read full review

Bad customer service and inattentive staff.

Price
1/10
Features
2/10
Customer service
2/10
Convenience
4/10
Trust
2/10
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Sarah, Victoria, reviewed 2 months ago
Bank of Melbourne Amplify Rewards Platinum
Overall 1/10
Messy/Bad service from Bank of Melbourne

Slow, messy/ bad service from call centre/online, branch maybe better however time consuming and not many branches. The information provided is not helping and very confusing, can not trust their security with the unprofessional behaviour. Do not use if you have other choice.

Read full review

Slow, messy/ bad service from call centre/online, branch maybe better however time consuming and not many branches. The information provided is not helping and very confusing, can not trust their security with the unprofessional behaviour. Do not use if you have other choice.

Price
1/10
Features
1/10
Customer service
1/10
Convenience
1/10
Trust
1/10
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Mike, Victoria, reviewed about 1 year ago
Bank of Melbourne Credit Card
Overall 9/10
Great personal service.

Service via phone is always efficient, professional, and courteous. They are the only banking staff that I have found to to seem to actually care about your enquiry or problem ( I have worked in banking and have accounts with various other banks), if they provided all the accounts I have with others at the best rates I would transfer all my banking needs to Bank of Melbourne. Thanks

Read full review

Service via phone is always efficient, professional, and courteous. They are the only banking staff that I have found to to seem to actually care about your enquiry or problem ( I have worked in banking and have accounts with various other banks), if they provided all the accounts I have with others at the best rates I would transfer all my banking needs to Bank of Melbourne. Thanks

Price
7/10
Features
9/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Kevin, Queensland, reviewed almost 3 years ago

What do you need to apply for a Bank of Melbourne credit card?

To apply for a Bank of Melbourne credit card, you’ll have to be an Australian permanent resident and over 18 years of age. You’ll also need either:

Or

Plus

You will also have to provide details about your current employment and financial situation.

Credit card quick links