Credit Cards

LOW RATE, LOW FEE & REWARDS CARDS

Featured low rate card

Lower your costs, get back to you

Low variable purchase rate and low annual fee.

Special offers

  • 0% p.a. for 12 months on balance transfers, requested at card application1.
  • 0% p.a. for up to 6 months on purchases from card approval*.

Variable purchase rate applies after the promotional period. Offers end 1st May 2017.


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New customers
Existing Bank of Melbourne customers


Featured rewards card

Our most rewarding card

Our highest uncapped earn rate, birthday bonus of 10% of points earned in the past 12 months2, and two complimentary airport lounge passes each year3.

Special offers

  • 30,000 bonus Qantas or Amplify Points on a new card, when you spend $2500 within 90 days from card approval. Exclusions apply#.
  • 0% p.a. for up to 6 months on purchases from card approval*.

Variable purchase rate applies after the promotional period. Offers end 1st May 2017.


Ready to apply?

New customers
Existing Bank of Melbourne customers


Featured no annual fee card

A card for just in case

No annual fee for the life of your card and up to 55 days interest free on purchases.

Special offers

  • 0% p.a. for 12 months on balance transfers, requested at card application1.

  • 0% p.a. for up to 6 months on purchases from card approval*.

Variable purchase rate applies after the promotional period. Offers end 1st May 2017.


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The Detail

Conditions and fees apply. Credit criteria apply to all credit products

Before making a decision, it's best to read the terms and conditions.

Please read these documents and keep a copy. You can request a paper copy at a branch.

#Bonus points promotion: The bonus points promotion is available when you apply for a new Amplify Platinum or Amplify Signature card between 21st February 2017 and 1st May 2017 and spend the minimum amount of $2500 on eligible purchases within 90 days from card approval on one or more transactions. Existing Bank of Melbourne customers who currently hold an Amplify Platinum or Amplify Signature card or who have held one in the last 12 months, are not eligible for this offer. Eligible purchases do not include fees, cash, cash equivalent transactions, BPAY transactions, refunds and balance transfers debited from the card account. The bonus Amplify Points or Qantas Points will be credited to your points balance within 12 weeks of the eligible spend criteria being met.

Offers are not available in conjunction with any special offers that are not listed on www.bankofmelbourne.com.au. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible.

*The introductory rate of 0% p.a. on purchases is available when you apply for a new Bank of Melbourne credit card between 21st February 2017 and 1st May 2017. The introductory rate will be applied from card approval and expires 6 months after the date of card approval. At the end of this period the introductory purchase rate will switch to the variable purchase rate then applicable to your card account and any purchases that remain unpaid at that time will revert to the standard variable purchase rate then applicable to your card account. 

1. The promotional balance transfer rates are available when you apply for a new Bank of Melbourne credit card between 21st February 2017 and 1st May 2017 and request at application to transfer balance(s) from non-St.George, Bank of Melbourne and BankSA Australian issued credit, charge or store cards. The variable purchase interest rate applies to balance transfers requested at any other time. Promotional rate will apply to any balance(s) transferred (min $200 up to 95% of your approved available credit limit) for the promotional period, unless the amount is paid off earlier. The variable purchase rate will apply to balance(s) transferred but left unpaid after the end of the promotional period. Card activation will trigger the processing of the balance transfer. Bank of Melbourne will not be responsible for any delays that may occur in processing payment to your other card account(s) and will not close the account(s). Interest free days don’t apply to balance transfers.

2. Birthday bonus is calculated over a period of 12 months, on the number of Amplify Points or Qantas Points (excluding bonus points) as applicable, earned on Amplify Signature Card purchases from the day of the Account Owner’s birthday to the day prior to the Account Owner’s birthday, other than the first Birthday bonus which will be calculated from the day of Card approval to the day prior to the Account Owner’s birthday. The Amplify Signature Card Account Owner will receive ten percent of the points earned during the Birthday bonus calculation period which will be credited to the Amplify Rewards or Qantas Frequent Flyer Membership Account as applicable, within 4 weeks of the Account Owner’s birthday. For Joint accounts the first listed Account Owner’s birthday is used for the calculation. The Birthday bonus can be accessed by all Account Owners.

3. Amplify Rewards and Amplify Qantas each offer airport lounge passes. Cardholders are only eligible for lounge passes offered for their selected rewards program and conditions apply. Lounge passes are subject to expiry. Priority Pass is offered to Amplify Rewards Cardholders, who must enrol via stgeorge.com.au/amplifysignature. For full details visit prioritypass.com/Conditions-of-use.cfm. Qantas Club Lounge Invitations is offered to Qantas Rewards Cardholders who must enrol via stgeorge.com.au/amplifysignature. Access and use is subject to Qantas Club Rules. For full terms and conditions visit qantas.com/qantasclub and some exclusions apply.

Bank of Melbourne credit cards are part of the Westpac Group, including Westpac, St.George, BankSA and Bank of Melbourne.

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