Bank of Melbourne credit cards

Bank of Melbourne
Bank of Melbourne's overall rating for credit cards

(as rated by the Mozo community)

7.8 / 10

based on 69 reviews

Looking for convenience in how you spend? Or maybe you want to be rewarded for all those shopping hours with freebies and points? As one of the winners of the Mozo People’s Choice Award for best credit cards in 2015, Bank of Melbourne is sure to 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.

Rates and fees verified as correct at 23 April, 2018. Other information correct at the time of writing.

What credit cards do Bank of Melbourne offer?

Low rate credit cards 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  

13.74% p.a.

0% p.a. for 18 months and then 19.49% p.a. (1.00% balance transfer fee)

$55

55

Go to site

12.74% p.a.

0% p.a. for 24 months and then 19.49% p.a. (1.00% balance transfer fee)

$99

55

Go to site

Hide

Low fee credit cards 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  

20.49% p.a.

0% p.a. for 12 months and then 20.49% p.a. (1.00% balance transfer fee)

$0

55

Go to site

13.74% p.a.

0% p.a. for 18 months and then 19.49% p.a. (1.00% balance transfer fee)

$55

55

Go to site

Hide

Rewards credit cards 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 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.

3.00% p.a. for 36 months and then 20.24% p.a.

$79 $0 in the first 1 year

Go to site

0.5 points per dollar on Visa, uncapped

19.49% p.a.

3.00% p.a. for 36 months and then 20.24% p.a.

$79 $0 in the first 1 year

1 point per dollar on Visa, uncapped

19.49% p.a.

No current offer

$99

Go to site

0.5 points per dollar on Visa, uncapped

19.49% p.a.

No current offer

$99

1.5 points per dollar on Visa, uncapped

19.49% p.a.

No current offer

$279

Go to site

0.75 points per dollar on Visa, uncapped

19.49% p.a.

No current offer

$279


Hide

Prestige cards 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.

No current offer

$99

Go to site

0.5 points per dollar on Visa, uncapped

19.49% p.a.

No current offer

$99

1.5 points per dollar on Visa, uncapped

19.49% p.a.

No current offer

$279

Go to site

0.75 points per dollar on Visa, uncapped

19.49% p.a.

No current offer

$279

12.74% p.a.

0% p.a. for 24 months and then 19.49% p.a. (1.00% balance transfer fee)

$99

Go to site

Hide

Frequent flyer credit cards 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, uncapped

19.49% p.a.

3.00% p.a. for 36 months and then 20.24% p.a.

$79 $0 in the first 1 year

0.5 points per dollar on Visa, uncapped

19.49% p.a.

No current offer

$99

0.75 points per dollar on Visa, uncapped

19.49% p.a.

No current offer

$279


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**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

Frequently Asked Questions about Bank of Melbourne credit cards

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

    What fees might I be charged?

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

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

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

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

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

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.

Bank of Melbourne credit cards

Overall 7.8*

Price

Features

Customer service

Convenience

Trust

69 Reviews

* Overall rating based on reviews in the past 12 months.

Recent Bank of Melbourne credit card reviews Recent Bank of Melbourne credit card reviews

Bank of Melbourne

Bank of Melbourne credit card review

Overall rating   9 / 10

The customer service is great

I don't dislike the bank. The customer service is great

Full review

I don't dislike the bank. The customer service is great

    Price   7 / 10

    Features   6 / 10

    Customer service   6 / 10

    Convenience   3 / 10

    Trust   7 / 10

Less

Melissa (WA), reviewed 3 months ago

Bank of Melbourne

Bank of Melbourne Vertigo Platinum credit card review

Overall rating   0 / 10

Hopeless. Everything is just a mess and hopeless

My review is that the online banking is far too hard for older people, we have no idea what to do. Staff try to explain but it is far too complicated a system and is directed for the young ones.

Full review

My review is that the online banking is far too hard for older people, we have no idea what to do. Staff try to explain but it is far too complicated a system and is directed for the young ones.

    Price   -1 / 10

    Features   3 / 10

    Customer service   0 / 10

    Convenience   0 / 10

    Trust   0 / 10

Less

Pauline (VIC), reviewed 3 months ago

Bank of Melbourne

Bank of Melbourne No Annual Fee credit card review

Overall rating   6 / 10

Could be a bit better

Not bad at all, but could be a bit better.

Full review

Not bad at all, but could be a bit better.

    Price   6 / 10

    Features   6 / 10

    Customer service   6 / 10

    Convenience   6 / 10

    Trust   6 / 10

Less

Fabian (NSW), reviewed 4 months ago

Bank of Melbourne

Bank of Melbourne Amplify Platinum (Amplify Rewards) credit card review

Overall rating   9 / 10

Competitive offers for Balance Transfer

Great credit card, helped us out with a balance transfer offer. Great to deal with. No problem recommending.

Full review

Great credit card, helped us out with a balance transfer offer. Great to deal with. No problem recommending.

    Price   7 / 10

    Features   / 10

    Customer service   / 10

    Convenience   / 10

    Trust   / 10

Less

Kath (NSW), reviewed 5 months ago

Bank of Melbourne

Bank of Melbourne No Annual Fee credit card review

Overall rating   5 / 10

Good solid product service

Often fees and charges don't exceed expectations. Mostly use my app for transactions such as bill payments, transfer of funds and simply checking balances. Would recommend to others.

Full review

Often fees and charges don't exceed expectations. Mostly use my app for transactions such as bill payments, transfer of funds and simply checking balances. Would recommend to others.

    Price   4 / 10

    Features   / 10

    Customer service   / 10

    Convenience   / 10

    Trust   / 10

Less

Mel (WA), reviewed 11 months ago

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

  • One primary form of I.D with photo - includes passport, driver’s license or proof of age card

Or

  • One primary form of I.D without a photo - such as a birth certificate or centrelink card

Plus

  • One form of secondary I.D - can include things like a lease agreement, medicare card or recent ATO notice

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

Check out our guide for more information on applying for a credit card.

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