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Our top offers

0% p.a. interest on balance transfers for 32 months

When requested at card application on a new Vertigo card##. No balance transfer fee. After 32 months the rate reverts to the variable cash advance rate.

Plus, no annual card fee for the first year (saving $55)^^ and 0% p.a. on purchases for 6 months<<.

60,000 bonus Qantas Points

On a new Amplify Qantas Platinum card, $3k minimum spend applies>.

Plus, 0% p.a. for 15 months on balance transfers (1% balance transfer fee)#

80,000 bonus Amplify Points

On a new Amplify Rewards Platinum card, $3k minimum spend applies*.

Plus, 0% p.a. for 15 months on balance transfers (1% balance transfer fee)#


Explore our credit cards

Low rate card

A basic card with a low interest rate on purchases – worth considering if you’re unlikely to pay off your card each month.

Qantas Rewards cards

Earn Qantas Points directly to your Qantas Frequent Flyer account, then redeem them as you would your other Qantas Points, including for flights and upgrades.

Amplify Rewards cards

Amplify is the Bank of Melbourne Rewards program, and these cards let you earn Amplify Points which you can later redeem for gift cards, flights, shopping and much more. 

No fee card

Know you’ll pay off your card in-full each month? Then this card’s higher interest rate won’t bother you, and you won’t pay an annual card fee – ever.


Best value balance transfer credit card

We know our Vertigo card offers great value – now Money magazine has confirmed it’s the best, awarding it their ‘Best-Value Balance Transfer Credit Card 2021’**. 


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Making the most of a Bank of Melbourne credit card

The Detail
Conditions, fees and credit criteria apply. This card is issued as a Visa card. Before making a decision read the Terms and Conditions and consider if the product is right for you. 

Switches, upgrades, or Westpac Group staff are ineligible. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

#Balance Transfer Promotion: The promotional balance transfer rate is available when you apply and are approved for a new Amplify Platinum or Amplify Signature credit card between 24th June 2021 and 30th November 2021, and request at card application to transfer balance(s) from up to 3 non-Bank of Melbourne, St.George and BankSA Australian issued credit, charge or store cards. The promotional rate will apply to balance(s) transferred (min $200 up to 80% of your approved available credit limit) for the promotional period, unless the amount is paid off earlier. Activating your card triggers the processing of the balance transfer. A balance transfer fee of 1% of the transferred balance(s) will apply to balance(s) transferred to a Amplify Platinum or Amplify Signature credit card. The balance transfer fee will be charged to the card account on the same day the balance(s) are debited to the account. The applicable variable cash advance rate will apply to any unpaid balance transfer amount remaining at the end of the promotional period. 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). If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date.

##Vertigo Balance Transfer Promotion: The promotional balance transfer rate is available when you apply and are approved for a new Vertigo credit card between 20th October 2021 and 24th February 2022, and request at card application to transfer balance(s) from up to 3 non-Bank of Melbourne, St.George and BankSA Australian issued credit, charge or store cards. The promotional rate will apply to balance(s) transferred (min $200 up to 80% of your approved available credit limit) for the promotional period, unless the amount is paid off earlier. Activating your card triggers the processing of the balance transfer. No balance transfer fees apply to a Vertigo credit card. The applicable variable cash advance rate will apply to any unpaid balance transfer amount remaining at the end of the promotional period. 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). If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date.

^^Vertigo First Year Annual Card Fee Waiver: The first-year annual card fee waiver is available when you apply and are approved for a new Vertigo credit card between 20th October 2021 and 24th February 2022. After the first year, the annual card fee will be debited to your account on the 12-month anniversary of the first transaction on your account and annually thereafter. 

<<Vertigo Purchase Rate Promotion: The introductory rate of 0% p.a. on purchases for 6 months applies from card approval when you apply and are approved for a new Vertigo credit card between 20th October 2021 and 24th February 2022. After 6 months, the introductory purchase rate will switch to the variable purchase rate then applicable to your card account.

>Bonus Qantas Points Offer: The respective bonus Qantas Points promotions are available when you apply and are approved for a new Amplify Qantas Platinum or Amplify Qantas Signature credit card between 24th June 2021 and 30th November 2021, and spend the minimum amount of $3,000 on eligible purchases on a Amplify Qantas Platinum credit card or $6,000 on eligible purchases on an Amplify Qantas Signature credit card within 90 days from card approval in one or more transactions. Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited to the card account. Existing customers who currently hold an Amplify, Amplify Platinum or Amplify Signature card issued by Bank of Melbourne, St.George or BankSA, or who have held one in the last 12 months, are not eligible for this offer. The bonus Qantas Points will be credited to your Points balance within 12 weeks after the eligible spend criteria is met.

*Amplify Platinum Bonus Amplify Points Offer: The bonus 80,000 Amplify Points promotion is available for new customers when you apply and are approved for a new Amplify Rewards Platinum credit card between 24th June 2021 and 30th November 2021, and spend the minimum amount of $3,000 on eligible purchases within 90 days from card approval in one or more transactions. Eligible purchases do not include interest, fees and charges, cash, or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account. Existing customers who currently hold an Amplify, Amplify Platinum or Amplify Signature card issued by Bank of Melbourne, St.George or BankSA, or who have held one in the last 12 months, are not eligible for this offer. The bonus Amplify Points will be added to your points balance within 12 weeks of the eligible spend criteria being met.

** The Money magazine Best-Value Balance Transfer Credit Card was awarded to Bank of Melbourne Vertigo Visa on 3rd December 2020.