Why choose Bank of Melbourne

Benefits

  • Low-fee cards available
  • Balance transfer offer available
  • Rewards programs

Drawbacks

  • Interest rates may be high
  • Annual fees may be high
  • Balance transfer deal not available on all cards

Bank of Melbourne Credit Cards

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Australian Credit Licence 233714Fees & charges apply

13.99%

21.49%

55

$0

for 12 months then $55 thereafter

Bank of Melbourne Vertigo Visa (Cashback Offer)
  • Apple, Google & Samsung Pay
  • Balance transfer
  • Low annual fee

Australian Credit Licence 233714Fees & charges apply

Australian Credit Licence 233714Fees & charges apply

19.49%

0%

55

$295

Bank of Melbourne Amplify Signature (Amplify Qantas)
  • Apple, Google & Samsung Pay
  • Balance transfer

Australian Credit Licence 233714Fees & charges apply

Australian Credit Licence 233714Fees & charges apply

19.49%

0%

55

$199

for 12 months then $295 thereafter

Bank of Melbourne Amplify Signature (Amplify Rewards)
  • Apple, Google & Samsung Pay
  • Balance transfer

Australian Credit Licence 233714Fees & charges apply

Australian Credit Licence 233714Fees & charges apply

19.49%

0%

55

$49

for 12 months then $124 thereafter

Bank of Melbourne Amplify Platinum (Amplify Rewards)
  • Apple, Google & Samsung Pay
  • Balance transfer

Australian Credit Licence 233714Fees & charges apply

Australian Credit Licence 233714Fees & charges apply

19.49%

0%

55

$99

for 12 months then $124 thereafter

Bank of Melbourne Amplify Platinum (Amplify Qantas)
  • Apple, Google & Samsung Pay
  • Balance transfer

Australian Credit Licence 233714Fees & charges apply

About Bank of Melbourne credit cards

Bank of Melbourne credit cards range from standard to gold and platinum, and include rewards cards, frequent flyer cards, classic cards and low-fee cards.

Bank of Melbourne credit cards tend to be moderately low to high. Typically, its standard cards come with a lower interest rate and/or lower fees than top-tier platinum cards.

Some Bank of Melbourne cards come with an introductory balance transfer rate, while others allow balance transfers at the standard interest rate.

In terms of fees, annual fees may be waived entirely or range from moderately low to high. Late payment fees are moderately low, and the interest-free period is moderate.

Bank of Melbourne rewards cards allow customers to earn points for eligible purchases as part of its Amplify Rewards program or Qantas Frequent Flyer program.

Bank of Melbourne credit cards review

As you might expect from a standard bank, Bank of Melbourne offers the typical suite of credit card choices catering to various types of customers.

For customers wanting to earn rewards for spending, Bank of Melbourne rewards credit cards can be used to earn either frequent flyer points or Amplify Rewards points (which can be redeemed for gift cards).

For people looking to save money on their credit card, Bank of Melbourne does offer various lower-rate and lower-fee cards. However, these cards still typically don’t offer the lowest fees or lowest rates on the market.

Likewise, although some Bank of Melbourne credit cards come with an attractive balance transfer offer, others don’t have a balance transfer offer at all.

As such, it’s worth comparing credit cards from various providers before settling on one so you can be sure that a Bank of Melbourne credit card is appropriate for your needs.

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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.