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Credit card interest rates

Amplify Visa Card
  Rate
Purchase Interest Rate (variable)  p.a.
Cash Advance Interest Rate (variable)  p.a.
Promotional balance transfer rate up to 6 months on balance transfers requested at card application1  p.a.

 

Vertigo MasterCard®
  Rate
Purchase Interest Rate (variable)  p.a.
Cash Advance Interest Rate (variable)  p.a.
Promotional balance transfer rate up to 6 months on balance transfers requested at card application2  p.a.

 

Gold Low Rate Visa Card or MasterCard®
  Rate
Ongoing variable purchase interest rate  p.a.
Cash Advance Interest Rate (variable)  p.a.

 

Platinum Visa Card
  Rate
Purchase Interest Rate (variable)  p.a.
Cash Advance Interest Rate (variable)  p.a.
Promotional balance transfer rate up to 6 months on balance transfers requested at card application2  p.a.

 

No Annual Fee Visa Card or MasterCard®
  Rate
Purchase Interest Rate (variable)  p.a.
Cash Advance Interest Rate (variable)  p.a.

How to apply

The Detail

Conditions, fees and credit criteria apply.

View the terms and conditions:

The information on our website is prepared without knowing your personal financial circumstances. Before you act on this information, please consider if it's right for you.

1If your application for credit is approved, the special balance transfer rate period commences on the date the account is opened. The special Balance Transfer interest rate period ends 6 months later, regardless of when any balance transfer request is processed by us. On the date the special balance transfer rate period ends the interest rate on the outstanding transferred balances reverts to the standard variable rate applying to purchases. Payments made to your credit card account are first applied to any amounts transferred from other credit cards, charge cards or store cards under this promotion, before they are applied to any other cash advance or purchase amount. This means that the portion of your outstanding account balance that is subject to a lower interest rate will be paid off first. Any interest free period for purchases does not apply while an amount that has been debited.

2 The balance transfer rate is available to you when you apply for a new Bank of Melbourne credit card between 1 May 2012 and 3 July 2012 and request at application to transfer a balance from Australian issued credit or store cards other than Bank of Melbourne, BankSA and St.George credit cards. Subsequent balance transfers that are requested after the balance transfer period above will be charged at the standard variable purchase rate. Payments made to your credit card account will be applied as set out in the Credit Card Conditions of Use. After the stated special promotion period any outstanding balance transfer amount will attract your card's standard variable purchase rate. You can apply to transfer $200 or more, up to 95% of your new Bank of Melbourne credit card available limit.

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