Bank of Melbourne credit card reviews

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

(as rated by the Mozo community)

7.8 / 10

based on 69 reviews

Price

Features

Customer service

Convenience

Trust

Top 5 credit cards 2015

Featured credit card from Bank of Melbourne

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

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Melissa (WA), reviewed 4 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

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Pauline (VIC), reviewed 5 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

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Fabian (NSW), reviewed 5 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

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Kath (NSW), reviewed 6 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

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Mel (WA), reviewed 12 months ago

Bank of Melbourne

Bank of Melbourne Vertigo Platinum credit card 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 (VIC), reviewed almost 2 years ago

Bank of Melbourne

Bank of Melbourne Vertigo Platinum credit card 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

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Samantha (VIC), reviewed about 2 years ago

Bank of Melbourne

Bank of Melbourne No Annual Fee credit card 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

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Tus (NSW), reviewed over 2 years ago

Bank of Melbourne

Bank of Melbourne Vertigo Platinum credit card review

Overall rating   6 / 10

Ease of application.

Ease of application.

Full review

Ease of application.

    Price   3 / 10

    Features   4 / 10

    Customer service   5 / 10

    Convenience   8 / 10

    Trust   5 / 10

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Lachlan (VIC), reviewed over 2 years ago

Bank of Melbourne

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

Overall rating   9 / 10

Great product at a competitive price

I like this bank as I always find the customer service staff extremely helpful and welcoming. Pros are the great customer service as all the staff are always very helpful and provide good, clear and easy to understand product information No Cons

Full review

I like this bank as I always find the customer service staff extremely helpful and welcoming. Pros are the great customer service as all the staff are always very helpful and provide good, clear and easy to understand product information No Cons

    Price   8 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   9 / 10

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Lisa (VIC), reviewed over 2 years ago

Bank of Melbourne

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

Overall rating   9 / 10

awesome

I have a mortgage, personal loan and credit card with BOM. they are absolutely the best I've ever been with and customer service is excellent.

Full review

I have a mortgage, personal loan and credit card with BOM. they are absolutely the best I've ever been with and customer service is excellent.

    Price   7 / 10

    Features   9 / 10

    Customer service   9 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Nguyet (VIC), reviewed over 2 years ago

Bank of Melbourne

Bank of Melbourne credit card review

Overall rating   7 / 10

Good extra features

Bank of Melbourne waved the first years fees as i have my home loan with them, and also offered a 60 day interest free period. Also credit card is linked to Qantas frequent flyer points.

Full review

Bank of Melbourne waved the first years fees as i have my home loan with them, and also offered a 60 day interest free period. Also credit card is linked to Qantas frequent flyer points.

    Price   6 / 10

    Features   7 / 10

    Customer service   7 / 10

    Convenience   7 / 10

    Trust   7 / 10

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Debbie (VIC), reviewed over 2 years ago

Bank of Melbourne

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

Overall rating   8 / 10

Great card for overseas travel with rewards

Extremely happy with card especially when travelling overseas with insurance included and accumulating reward points. Only downfall is interest rate too high.

Full review

Extremely happy with card especially when travelling overseas with insurance included and accumulating reward points. Only downfall is interest rate too high.

    Price   3 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   8 / 10

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Belinda (VIC), reviewed over 2 years ago

Bank of Melbourne

Bank of Melbourne Vertigo Platinum credit card review

Overall rating   10 / 10

Best credit card

Awesome service.

Full review

Awesome service.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Manu (VIC), reviewed over 2 years ago

Bank of Melbourne

Bank of Melbourne credit card review

Overall rating   8 / 10

Great bank, great service, great people

Found them to be fantastic when dealing with my financial problems.

Full review

Found them to be fantastic when dealing with my financial problems.

    Price   6 / 10

    Features   6 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   10 / 10

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Mark (VIC), reviewed almost 3 years ago

Bank of Melbourne

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

Overall rating   9 / 10

The customer service is great and personalised.

I like it because of the personal service, its way better than the average that is experienced in most daily activities.

Full review

I like it because of the personal service, its way better than the average that is experienced in most daily activities.

    Price   7 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Howard (VIC), reviewed almost 3 years ago

Bank of Melbourne

Bank of Melbourne credit card review

Overall rating   10 / 10

Awesome

Great service.

Full review

Great service.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Loula (VIC), reviewed almost 3 years ago

Bank of Melbourne

Bank of Melbourne credit card review

Overall rating   8 / 10

Customer Service - Human Factor

Bank of Melbourne helped me get back on top of my credit card repayments. I have been struggling financially and they gave me 6 months paused interest and repayments to help me get back on my feet. I couldn't be more thankful for the pressure they...

Full review

Bank of Melbourne helped me get back on top of my credit card repayments. I have been struggling financially and they gave me 6 months paused interest and repayments to help me get back on my feet. I couldn't be more thankful for the pressure they eased off of me during this difficult time. Other banks, did not have my interests at heart, where BOM did.

    Price   9 / 10

    Features   7 / 10

    Customer service   10 / 10

    Convenience   7 / 10

    Trust   7 / 10

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Predrag (NSW), reviewed almost 3 years ago

Bank of Melbourne

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

Overall rating   10 / 10

Great features, earn frequent flyer points.

Amplify credit card is a fantastic product.

Full review

Amplify credit card is a fantastic product.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Sarah (NSW), reviewed about 3 years ago

Bank of Melbourne

Bank of Melbourne No Annual Fee credit card review

Overall rating   8 / 10

Enjoy banking with them

Good bank.

Full review

Good bank.

    Price   6 / 10

    Features   7 / 10

    Customer service   8 / 10

    Convenience   7 / 10

    Trust   -1 / 10

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Katrina (VIC), reviewed about 3 years ago

Bank of Melbourne

Bank of Melbourne Vertigo credit card review

Overall rating   10 / 10

Great bank

Great and friendly staff at Cranbourne branch.

Full review

Great and friendly staff at Cranbourne branch.

    Price   5 / 10

    Features   4 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   9 / 10

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Ruth (VIC), reviewed about 3 years ago

Bank of Melbourne

Bank of Melbourne credit card review

Overall rating   7 / 10

Great service

I love this bank because they provide me great service when I need it and are happy to help.

Full review

I love this bank because they provide me great service when I need it and are happy to help.

    Price   1 / 10

    Features   10 / 10

    Customer service   4 / 10

    Convenience   5 / 10

    Trust   4 / 10

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Jessica (VIC), reviewed about 3 years ago

Bank of Melbourne

Bank of Melbourne No Annual Fee credit card review

Overall rating   10 / 10

Online easy use, an oldie can use it

Online access is easy. I like only using what I have . The bank checks my account and questions odd transactions.

Full review

Online access is easy. I like only using what I have . The bank checks my account and questions odd transactions.

    Price   3 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   5 / 10

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Sandy (VIC), reviewed about 3 years ago

Bank of Melbourne

Bank of Melbourne credit card review

Overall rating   8 / 10

Friendly, relaxed, reliable

Smaller bank, friendly staff and a relaxed atmosphere at branches.

Full review

Smaller bank, friendly staff and a relaxed atmosphere at branches.

    Price   4 / 10

    Features   3 / 10

    Customer service   5 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Peter (VIC), reviewed over 3 years ago

Bank of Melbourne

Bank of Melbourne credit card review

Overall rating   9 / 10

Good on you BOM

Having the security of a big 4 bank and feeling part of a small bank with the personal touch just works well for me. Happy to be with BOM.

Full review

Having the security of a big 4 bank and feeling part of a small bank with the personal touch just works well for me. Happy to be with BOM.

    Price   9 / 10

    Features   9 / 10

    Customer service   9 / 10

    Convenience   7 / 10

    Trust   8 / 10

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Olaf , reviewed over 3 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

  • ANZ Frequent Flyer Black

    ANZ Frequent Flyer Black

    • 75,000 bonus Qantas Points when you spend $2,500 on eligible purchases in the first 3 months
    • No annual fee for the first year
    • 75 bonus Status Credits when you buy and fly return with Qantas by 31 May 2018. Apply and be approved by 24 Jan 2018

    balance transfer rate

    No current offer

    purchase rate

    19.99% p.a.

    annual fee

    $425 $0 in the first 1 year

    Go to site

    More info

    • 75,000 bonus Qantas Points when you spend $2,500 on eligible purchases in the first 3 months
    • No annual fee for the first year
    • 75 bonus Status Credits when you buy and fly return with Qantas by 31 May 2018. Apply and be approved by 24 Jan 2018
    • Balance transfer rate: No current offer
    • Annual fee: $425 $0 in the first 1 year
    • Purchase rate: 19.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.49% p.a.
    • Fee for cash withdrawals: 2%
    • Rewards description: Points are automatically credited to the Qantas Frequent Flyer program.
    Overall rating

    6.9

    Based on 1932 ANZ credit card reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2016

    American Express Qantas Discovery Card

    American Express Qantas Discovery Card

    • No annual fee for the life of the card
    • 0% p.a. on balance transfers for the first 12 months
    • Earn 1 Qantas Point for every $1 spent on Card purchases (T&Cs apply)

    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

    $0

    Go to site

    More info

    • No annual fee for the life of the card
    • 0% p.a. on balance transfers for the first 12 months
    • Earn 1 Qantas Point for every $1 spent on Card purchases (T&Cs apply)
    • Balance transfer rate: 0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)
    • Annual fee: $0
    • Purchase rate: 20.74% p.a.
    • Interest free days: 44
    • Interest rate on cash withdrawals:
    • Fee for cash withdrawals:
    • Rewards description: Points are automatically credited to the Qantas Frequent Flyer program.
    Overall rating

    7.3

    Based on 255 American Express credit card reviews

    Need more information?
    Go to site

    More info

  • ANZ Frequent Flyer Platinum

    ANZ Frequent Flyer Platinum

    • 65,000 bonus Qantas Points when you spend $2,500 on eligible purchases in the first 3 months
    • No annual fee for the first year
    • Available with Android, Samsung and Apple Pay

    balance transfer rate

    No current offer

    purchase rate

    19.99% p.a.

    annual fee

    $295 $0 in the first 1 year

    Go to site

    More info

    • 65,000 bonus Qantas Points when you spend $2,500 on eligible purchases in the first 3 months
    • No annual fee for the first year
    • Available with Android, Samsung and Apple Pay
    • Balance transfer rate: No current offer
    • Annual fee: $295 $0 in the first 1 year
    • Purchase rate: 19.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.49% p.a.
    • Fee for cash withdrawals: 2%
    • Rewards description: Points are automatically credited to the Qantas Frequent Flyer program.
    Overall rating

    6.9

    Based on 1932 ANZ credit card reviews

    Need more information?
    Go to site

    More info

  • HSBC Platinum Credit Card

    HSBC Platinum Credit Card

    • 0% p.a. on balance transfers for 22 months. Conditions apply
    • Offer available to new customers who apply by 31 December 2017
    • Earn 1 Rewards Point on every dollar you spend on eligible purchases

    balance transfer rate

    0% p.a. for 22 months and then 21.99% p.a. (2.00% balance transfer fee)

    purchase rate

    19.99% p.a.

    annual fee

    $129 Refunded when you spend over $6,000 p.a, $0 in the first 1 year

    Go to site

    More info

    • 0% p.a. on balance transfers for 22 months. Conditions apply
    • Offer available to new customers who apply by 31 December 2017
    • Earn 1 Rewards Point on every dollar you spend on eligible purchases
    • Balance transfer rate: 0% p.a. for 22 months and then 21.99% p.a. (2.00% balance transfer fee)
    • Annual fee: $129 Refunded when you spend over $6,000 p.a, $0 in the first 1 year
    • Purchase rate: 19.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.99% p.a.
    • Fee for cash withdrawals: 3%, min $4.00
    • Rewards description: Redeem your points for travel, gift cards, retail rewards and shopping gift cards.
    Overall rating

    5.5

    Based on 139 HSBC credit card reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2016

    Woolworths Everyday Platinum Credit Card

    Woolworths Everyday Platinum Credit Card

    • $50 Woolworths eGift card after you make your first purchase (T&C’s Apply)
    • 10% off your 1st Woolworths shop on selected dates once a month
    • $0 annual fee for the first year (saving $49)

    balance transfer rate

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

    purchase rate

    19.99% p.a.

    annual fee

    $49 $0 in the first 1 year

    Go to site

    More info

    • $50 Woolworths eGift card after you make your first purchase (T&C’s Apply)
    • 10% off your 1st Woolworths shop on selected dates once a month
    • $0 annual fee for the first year (saving $49)
    • Balance transfer rate: 0% p.a. for 14 months and then 21.99% p.a.
    • Annual fee: $49 $0 in the first 1 year
    • Purchase rate: 19.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.99% p.a.
    • Fee for cash withdrawals: 3%, minimum $5
    • Rewards description: Woolworths Money Shopping Card sent every 4 months if enough points have been accrued.
    Overall rating

    5.8

    Based on 82 Woolworths credit card reviews

    Need more information?
    Go to site

    More info

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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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