Our credit cards Vertigo Card Vertigo Platinum Card Amplify Card Amplify Platinum Card Amplify Signature Card No Annual Fee Card
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Interest rates p.a. p.a. p.a. p.a. p.a. p.a.
Standard purchase rate (variable) % % % % % %
Cash advance rate (variable) % % % % %
Promotional balance transfer rate (rate switches to purchase rate) % p.a. for 18 months on balance transfers2 % p.a. for 18 months on balance transfers2 % p.a. for 18 months on balance transfers2 % p.a. for 18 months on balance transfers2 % p.a. for 18 months on balance transfers2 0% p.a. for 18 months on balance transfers2
Promotional purchase rate % p.a. for up to 12 months on purchases from card approval.* % p.a. for up to 12 months on purchases from card approval.* % p.a. for up to 12 months on purchases from card approval.* % p.a. for up to 12 months on purchases from card approval.* % p.a. for up to 12 months on purchases from card approval.* % p.a. for up to 12 months on purchases from card approval.*
Features            
Current annual fee

$55

Existing customers: $0 annual fee for the first year.^ New cards only. See conditions below.

$99

Existing customers: $0 annual fee for the first year.^ New cards only. See conditions below.

$0 annual fee in the first year, $79 thereafter# $0 annual fee in the first year, $99 thereafter# $0 annual fee in the first year, $279 thereafter# $0
Minimum credit limit $500 $6,000 $500 $6,000 $15,000 $500
Up to 55 interest free days on purchases1            
Complimentary insurance covers4            
Personal concierge service            
Complimentary airport lounge passes            
Access p.a. p.a. p.a. p.a. p.a. p.a.
Additional cards5 1 3 1 1 1 3
Worldwide ATM & point of sale acceptance where Visa or MasterCard is accepted            
Optional linking to a Bank of Melbourne bank account            
Internet and phone banking            
Emergency card replacement            
Rewards            
Link to Amplify Rewards6 or Amplify Qantas7            
Uncapped points earn            
Double points on international spend            
Birthday bonus points            
Special offer bonus points       30,000 bonus Qantas or Amplify Points on a new card, when you spend $2500 within 90 days from card approval. Exclusions apply.**  30,000 bonus Qantas or Amplify Points on a new card, when you spend $2500 within 90 days from card approval. Exclusions apply.**  
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Before you apply, you should compare our credit cards or business credit cards, including their interest rates and fees, so that you choose the product that is right for you. You can also call Bank of Melbourne on 13 22 66 or visit a branch to discuss these products.

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. If you need help, call 13 22 66.

**Bonus points promotion: The bonus points promotion is available when you apply for a new Amplify Platinum or Amplify Signature card between 30 September 2016 and 4 January 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 Amplify first year annual fee waiver is available when you apply for a new Bank of Melbourne Amplify, Amplify Platinum or Amplify Signature card between 30 September 2016 and 4 January 2017 and make your first purchase within 12 months from card approval. The first annual fee will be debited on the 12 month anniversary of the first transaction on your account and annually thereafter on the anniversary of the first annual fee. 

^$0 annual fee in first year for existing Bank of Melbourne customers promotion: To be eligible for this promotion you must be an existing Bank of Melbourne customer that applies for a new Vertigo or Vertigo Platinum card by clicking on the Bank of Melbourne customers 'Apply now’ button on this page between 30 September 2016 and 4 January 2017 and make your first purchase within 12 months from card approval. The first annual fee will be debited on the 12 month anniversary of the first transaction on your account and annually thereafter on the anniversary of the first annual fee.

1. Up to 55 days interest free on purchases when you pay the full closing balance (including any balance transfer amount) by the statement due date each month.

2. The promotional balance transfer rates are available when you apply for a new Bank of Melbourne credit card between 30 September 2016 and 4 January 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.

4.  QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 which allows eligible Bank of Melbourne account holders and cardholders to claim under it as third party beneficiaries. The terms, conditions, limits and exclusions, of the group policy, are set out in the Credit Card Complimentary Insurance Terms and Conditions, which may be amended from time to time. Westpac does not guarantee the insurance. You can get a copy of the policy booklet by calling 13 22 66 or download the Credit Card Complimentary Insurance Terms and Conditions.

5. An additional card can be issued on the primary cardholder's credit card account to any nominated person over the age of 16 years provided the account is not a joint account. All transactions using an additional card will be the responsibility of the primary cardholder.

6. The earning of Amplify Points are earned on eligible purchases through the use of an Amplify card and is subject to the Amplify Rewards Terms and Conditions. Amplify Points are not earned on cash advances, balance transfers and ATM withdrawals. You are not entitled to Amplify Points in other specified circumstances. You need a minimum of 3,000 Amplify Points before you can redeem any reward. Specific conditions may apply to the redemption of particular rewards. Refer to amplify.bankofmelbourne.com.au.

7. The earning and redemption of Qantas Points is subject to  the Amplify Rewards Terms and Conditions. You must be a member of the Qantas Frequent Flyer program to earn and redeem points in accordance with the terms and conditions of the Qantas Frequent Flyer program.

*The introductory rate of % p.a. on purchases is available when you apply for a new Bank of Melbourne credit card between 30 September 2016 and 4 January 2017. The introductory rate will be applied from card approval and expires 12 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. 

MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.