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Bank of Melbourne credit card reviews

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

(as rated by the Mozo community)

7.6 / 10

based on 121 reviews

Price

Features

Customer service

Convenience

Trust

Featured credit card from Bank of Melbourne

Recent Bank of Melbourne credit card reviews

Bank of Melbourne

Bank of Melbourne No Annual Fee No Annual Fee review

Overall rating   8 / 10

Good customer service.

I am happy to bank with Bank of Melbourne. Have been a customer for over 5 years. Includes a home loan too. Competitive interest rate, banking fees are ok. Mainly less hassle.

Full review

I am happy to bank with Bank of Melbourne. Have been a customer for over 5 years. Includes a home loan too. Competitive interest rate, banking fees are ok. Mainly less hassle.

    Price   10 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   8 / 10

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Saleela, Victoria, reviewed 26 days ago

Bank of Melbourne

Bank of Melbourne Amplify Classic (Amplify Rewards) Amplify Classic review

Overall rating   8 / 10

Great credit card to earn points.

Great credit card, however BOM interest rate is high and balance should be paid off monthly to avoid hefty interest bill. Annual fee is reasonable. BOM are one of the only banks that offer joint credit cards. I have a joint account with my partner...

Full review

Great credit card, however BOM interest rate is high and balance should be paid off monthly to avoid hefty interest bill. Annual fee is reasonable. BOM are one of the only banks that offer joint credit cards. I have a joint account with my partner and we earn points for everyday expenses and purchases.

    Price   5 / 10

    Features   9 / 10

    Customer service   9 / 10

    Convenience   6 / 10

    Trust   10 / 10

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Benjamin, New South Wales, reviewed about 1 month ago

Bank of Melbourne

Bank of Melbourne Credit Card review

Overall rating   8 / 10

Great customer service and helpful, friendly staff

Good customer service and support, friendly staff and good rewards program with Qantas.

Full review

Good customer service and support, friendly staff and good rewards program with Qantas.

    Price   8 / 10

    Features   7 / 10

    Customer service   9 / 10

    Convenience   8 / 10

    Trust   9 / 10

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Jonathon, Victoria, reviewed about 1 month ago

Bank of Melbourne

Bank of Melbourne No Annual Fee No Annual Fee review

Overall rating   7 / 10

Good customer service

They gave me a Bank of Melbourne credit card to pay for my car repairs and then helped me with my repayments when I got into trouble

Full review

They gave me a Bank of Melbourne credit card to pay for my car repairs and then helped me with my repayments when I got into trouble

    Price   7 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   7 / 10

    Trust   9 / 10

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Margaret, Victoria, reviewed about 2 months ago

Bank of Melbourne

Bank of Melbourne No Annual Fee No Annual Fee review

Overall rating   8 / 10

Satisfactory

No money debit card is all I have. Service could be better.

Full review

No money debit card is all I have. Service could be better.

    Price   8 / 10

    Features   7 / 10

    Customer service   4 / 10

    Convenience   6 / 10

    Trust   8 / 10

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Kelly, Victoria, reviewed about 1 year ago

Bank of Melbourne

Bank of Melbourne 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.

    Features   3 / 10

    Customer service   0 / 10

    Convenience   0 / 10

    Trust   0 / 10

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Pauline, Australian Capital Territory, reviewed over 1 year ago

Bank of Melbourne

Bank of Melbourne Vertigo Platinum Vertigo Platinum 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.

    Features   3 / 10

    Customer service   0 / 10

    Convenience   0 / 10

    Trust   0 / 10

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Pauline, Victoria, reviewed over 1 year ago

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, Western Australia, reviewed almost 2 years ago

Bank of Melbourne

Bank of Melbourne No Annual Fee No Annual Fee 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

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Fabian, New South Wales, reviewed almost 2 years ago

Bank of Melbourne

Bank of Melbourne Amplify Platinum (Amplify Rewards) Amplify Platinum 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

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Kath, New South Wales, reviewed about 2 years ago

Bank of Melbourne

Bank of Melbourne Amplify Classic (Amplify Rewards) Amplify Classic review

Overall rating   10 / 10

Very helpful

Answered all related enquirers

Full review

Answered all related enquirers

    Price   10 / 10

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Sheri, Victoria, reviewed over 2 years ago

Bank of Melbourne

Bank of Melbourne No Annual Fee No Annual Fee 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

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Mel, Western Australia, reviewed over 2 years ago

Bank of Melbourne

Bank of Melbourne Vertigo Platinum Vertigo Platinum review

Overall rating   8 / 10

Great customer service

Credit card can be used anywhere.

Full review

Credit card can be used anywhere.

    Price   6 / 10

    Features   7 / 10

    Customer service   8 / 10

    Convenience   9 / 10

    Trust   7 / 10

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Yen, Victoria, reviewed over 3 years ago

Bank of Melbourne

Bank of Melbourne Vertigo Platinum Vertigo Platinum review

Overall rating   10 / 10

Best credit card I've ever had

Very competitive rates, especially with balance transfers. Staff are friendly, polite and helpful with great product knowledge. It's the best credit card I've ever had.

Full review

Very competitive rates, especially with balance transfers. Staff are friendly, polite and helpful with great product knowledge. It's the best credit card I've ever had.

    Price   9 / 10

    Features   9 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   10 / 10

Less

Samantha, Victoria, reviewed almost 4 years ago

Bank of Melbourne

Bank of Melbourne No Annual Fee No Annual Fee review

Overall rating   9 / 10

Excellent

Good to deal with

Full review

Good to deal with

    Price   2 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   9 / 10

    Trust   9 / 10

Less

Tus, New South Wales, reviewed almost 4 years ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Credit card comparisons on Mozo - rates updated daily

  • Citi Platinum - Balance Transfer Offer

    Citi Platinum - Balance Transfer Offer

    • 0% per annum for 26 months on purchases and balance transfers
    • No Annual Fee for the first year then $199 each year after.
    • Complimentary International Travel Insurance

    balance transfer rate

    0% p.a. for 26 months and then 22.24% p.a. (1.50% balance transfer fee)

    purchase rate

    21.49% p.a.

    annual fee

    $149 $49 in the first year

    Go to site

    More info

    • 0% per annum for 26 months on purchases and balance transfers
    • No Annual Fee for the first year then $199 each year after.
    • Complimentary International Travel Insurance
    • Balance transfer rate: 0% p.a. for 26 months and then 22.24% p.a. (1.50% balance transfer fee)
    • Annual fee: $149 $49 in the first year
    • Purchase rate: 21.49% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 22.24% p.a.
    • Fee for cash withdrawals: 3.5%, min $3.50
    • Rewards description: Transfer points to a range of airline programs or redeem your points for travel, cashback, gift cards, retail rewards and shopping gift cards.
    Overall rating

    5.2

    Based on 1263 Citi credit card reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2019

    American Express Velocity Platinum Card

    American Express Velocity Platinum Card

    • 0.0% p.a. on balance transfers for the first 12 months
    • Receive 100,000 bonus Velocity Points when you apply online by 12 February 2020, are approved and spend $3,000 on your new Card within the first 3 months.
    • Enjoy 2 complimentary Virgin Australia lounge passes each anniversary year at selected domestic airports

    balance transfer rate

    0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

    purchase rate

    20.74% p.a.

    annual fee

    $375

    Go to site

    More info

    • 0.0% p.a. on balance transfers for the first 12 months
    • Receive 100,000 bonus Velocity Points when you apply online by 12 February 2020, are approved and spend $3,000 on your new Card within the first 3 months.
    • Enjoy 2 complimentary Virgin Australia lounge passes each anniversary year at selected domestic airports
    • Balance transfer rate: 0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)
    • Annual fee: $375
    • Purchase rate: 20.74% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals:
    • Fee for cash withdrawals:
    • Rewards description: Points automatically transferred to your Velocity account
    Overall rating

    6.6

    Based on 872 American Express credit card reviews

    Need more information?
    Go to site

    More info

  • NAB Low Rate Card

    NAB Low Rate Card

    • 0% purchase rate for the first 6 months
    • Up to 55 days interest free on purchases
    • Secure online application and fast response

    balance transfer rate

    0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

    purchase rate

    0% p.a. for 6 months then 13.99% p.a.

    annual fee

    $59

    Go to site

    More info

    • 0% purchase rate for the first 6 months
    • Up to 55 days interest free on purchases
    • Secure online application and fast response
    • Balance transfer rate: 0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)
    • Annual fee: $59
    • Purchase rate: 0% p.a. for 6 months then 13.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.74% p.a.
    • Fee for cash withdrawals: 2%, Min $2.50
    • Rewards description:
    Overall rating

    6.7

    Based on 4193 NAB credit card reviews

    Need more information?
    Go to site

    More info

  • Suncorp Clear Options Platinum (Suncorp Rewards)

    Suncorp Clear Options Platinum (Suncorp Rewards)

    • 0% p.a. for 14 months on balance transfers
    • 3x Reward Points on everyday Eligible Transactions in the first 6 months (T&Cs apply)
    • Up to 55 days interest free on retail purchases (T&Cs apply)

    balance transfer rate

    0% p.a. for 14 months and then 21.99% p.a.

    purchase rate

    0% p.a. for 14 months then 20.74% p.a.

    annual fee

    $129 $49 in the first year

    Go to site

    More info

    • 0% p.a. for 14 months on balance transfers
    • 3x Reward Points on everyday Eligible Transactions in the first 6 months (T&Cs apply)
    • Up to 55 days interest free on retail purchases (T&Cs apply)
    • Balance transfer rate: 0% p.a. for 14 months and then 21.99% p.a.
    • Annual fee: $129 $49 in the first year
    • Purchase rate: 0% p.a. for 14 months then 20.74% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.99% p.a.
    • Fee for cash withdrawals: 3.50%, min $3.50
    • Rewards description: Redeem your points for travel, gift cards, retail rewards and shopping gift cards.
    Overall rating

    6.6

    Based on 418 Suncorp credit card reviews

    Need more information?
    Go to site

    More info

  • Citi Platinum - Purchase Rate Offer

    Citi Platinum - Purchase Rate Offer

    • Low Annual Fee at $49 for the first year then $149 each year after.
    • 0% per annum for 13 months on purchases and balance transfers.
    • Complimentary International Travel Insurance.

    balance transfer rate

    0% p.a. for 13 months and then 22.24% p.a. (1.00% balance transfer fee)

    purchase rate

    0% p.a. for 13 months then 21.49% p.a.

    annual fee

    $149 $49 in the first year

    Go to site

    More info

    • Low Annual Fee at $49 for the first year then $149 each year after.
    • 0% per annum for 13 months on purchases and balance transfers.
    • Complimentary International Travel Insurance.
    • Balance transfer rate: 0% p.a. for 13 months and then 22.24% p.a. (1.00% balance transfer fee)
    • Annual fee: $149 $49 in the first year
    • Purchase rate: 0% p.a. for 13 months then 21.49% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 22.24% p.a.
    • Fee for cash withdrawals: 3.5%, min $3.50
    • Rewards description: Transfer points to a range of airline programs or redeem your points for travel, cashback, gift cards, retail rewards and shopping gift cards.
    Overall rating

    5.2

    Based on 1263 Citi credit card reviews

    Need more information?
    Go to site

    More info

**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.

Want more? Compare all 226 credit cards in the Mozo comparison engine.

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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.

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