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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) 13.74% 12.74% 19.49% 19.49% 19.49% 20.49%
Cash advance rate (variable) 19.49% 19.49% 20.24% 20.24% 20.24% 20.49%
Promotional balance transfer rate   0% p.a. for 16 months on balance transfers requested at card application. No balance transfer fee. The variable cash advance rate applies after the promotional period.# 0% p.a. for 26 months on balance transfers requested at card application. A 2% balance transfer fee applies. The variable cash advance rate applies after the promotional period.#   0% p.a. for 6 months on balance transfers requested at card application. No balance transfer fee. The variable cash advance rate applies after the promotional period.# 0% p.a. for 6 months on balance transfers requested at card application. No balance transfer fee. The variable cash advance rate applies after the promotional period.# 0% p.a. for 12 months on balance transfers requested at card application. A 1% balance transfer fee applies. The variable cash advance rate applies after the promotional period.#
Promotional purchase rate     0% on purchases for 14 months~ 
     
Features            
Current annual card fee $55

 

$0 for the first year (saving $99)^

 

$79

 

$99

 

 

$179 for the first year (normally $279)**

 

$0
Minimum credit limit $500 $6,000 $500 $6,000 $15,000 $500
Up to 55 interest free days on purchases1            
Complimentary insurance covers2            
Personal concierge service            
Complimentary airport lounge passes6            
Access p.a. p.a. p.a. p.a. p.a. p.a.
Additional cards3 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 Rewards4 or Amplify Qantas5            
Uncapped points earn            
Birthday bonus points            
Special offer bonus points       Earn up to 100k bonus Amplify points with Amplify Rewards or 50k bonus Qantas Points++ with Amplify Qantas when you meet minimum spend criteria. Terms, conditions and exclusions apply.+ Earn up to 200k bonus Amplify points with Amplify Rewards or 80k bonus Qantas Points++ with Amplify Qantas when you meet minimum spend criteria. Terms, conditions and 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.

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: Available when you apply and are approved for a new Vertigo, Vertigo Platinum, No Annual Fee, Amplify Signature and Amplify Platinum credit card between 24th January 2019 and 22nd May 2019, and request at card application to transfer balance(s) from up to 3 non-St.George, Bank of Melbourne and BankSA Australian issued credit, charge or store cards. The 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. Card activation will trigger the processing of the balance transfer. A balance transfer fee of 2% for Vertigo Platinum and 1% for No Annual Fee credit card of the transferred balance(s) will be charged to the account on the same day the balance(s) are debited to the account. No balance transfer fees apply to Vertigo, Amplify Platinum and Amplify Signature credit cards. At the end of the promotional period, the applicable variable cash advance rate will apply to any outstanding transferred balance(s). We 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 do not apply to credit cards with balance transfers.

^First Year Fee Waiver: The first year fee waiver promotion is available when you apply for a new Vertigo Platinum credit card between 24th January 2019 and 22nd May 2019. The first annual card fee at the special promotional rate will be debited to your card account on your first transaction and the full annual card fee will be debited annually thereafter.

*Amplify Signature Bonus Points Offer: To be eligible to receive up to 200,000 bonus Amplify points over 2 years, you must apply and be approved for a new Amplify Signature Credit Card between 24th January 2019 and 22nd May 2019. You'll receive 100,000 bonus Amplify points when you spend a minimum amount of $12,000 on eligible purchases on the credit card within the first 12 months from card approval. You'll receive an additional 100,000 bonus Amplify points in the second year of your credit account being open, if you spend a minimum of $12,000 on eligible purchases within the subsequent year. If you do not meet the minimum spend in one year, you forfeit the bonus points for that year only, however you are still eligible for bonus points in subsequent years if you meet the minimum spend in subsequent years during the promotional period. Eligible purchases do not include BPAY or BPAY equivalent transactions, fees, cash, cash equivalent transactions, refunds, balance transfers debited from the card account, government fees and ATO payments. Existing customers who currently hold a Amplify Platinum or Amplify Signature card issued by St.George, Bank of Melbourne or BankSA, or who have held one in the last 12 months, are not eligible for this offer. The bonus points will be credited to your points balance within 12 weeks after the eligible spend criteria is met. Interest free days do not apply to credit cards with balance transfers, you'll be charged the applicable purchase rate on any spend that you make whilst you have an outstanding balance transfer.

+Amplify Platinum Bonus Points Offer: To be eligible to receive up to 100,000 bonus Amplify points over 2 years, you must apply and be approved for a new Amplify Platinum Credit Card between 24th January 2019 and 22nd May 2019. You'll receive 50,000 bonus Amplify points when you spend a minimum amount of $6,000 on eligible purchases on the Amplify Platinum credit card within 12 months from card approval. You'll receive an additional 50,000 bonus Amplify points in the second year of your credit account being active, if you spend a minimum of $6,000 on eligible purchases within the subsequent year. If you do not meet the minimum spend in one year, you forfeit the bonus points for that year only, however you are still eligible for bonus points in subsequent years if you meet the minimum spend in subsequent years during the promotional period. Eligible purchases do not include BPAY or BPAY equivalent transactions, fees, cash, cash equivalent transactions, refunds, balance transfers debited from the card account, government fees and ATO payments. Existing customers who currently hold a Amplify Platinum or Amplify Signature card issued by St.George, Bank of Melbourne or BankSA, or who have held one in the last 12 months, are not eligible for this offer. The bonus points will be credited to your points balance within 12 weeks after the eligible spend criteria is met.  Interest free days do not apply to credit cards with balance transfers, you'll be charged the applicable purchase rate on any spend that you make whilst you have an outstanding balance transfer.

++Amplify Qantas Bonus Points offer: The respective bonus points promotions are available when you apply and are approved for a new Amplify Platinum Qantas or Amplify Signature Qantas credit card between24th January 2019 and 22nd May 2019, and spend the minimum amount of $4,000 on eligible purchases on an Amplify Signature Qantas credit card or $2,000 on eligible purchases on an Amplify Platinum Qantas credit card within 90 days from card approval. Eligible purchases do not include BPAY or BPAY equivalent transactions, fees, cash, cash equivalent transactions, refunds, balance transfers debited from the card account, government fees and ATO payments. Existing customers who currently hold a Amplify Platinum or Amplify Signature card issued by St.George, Bank of Melbourne or BankSA, or who have held one in the last 12 months, are not eligible for this offer. The bonus points will be credited to your points balance within 12 weeks after the eligible spend criteria is met. Interest free days do not apply to credit cards with balance transfers, you'll be charged the applicable purchase rate on any spend that you make whilst you have an outstanding balance transfer.

**Discounted First Year Fee: The discounted first year annual card fee promotion is available when you apply for a new Amplify Signature credit card between 24th January 2019 and 22nd May 2019. The first annual card fee at the reduced rate will be debited from your card account on your first transaction and the full annual card fee, will be debited annually thereafter. Credit criteria, fees and charges apply.

~Purchase Rate Promotion: Available when you apply and are approved for new Amplify card between 24th January 2019 and 22nd May 2019. The promotional purchase rate will only apply for the promotional period from the date your account is approved. At the end of the promotional period the standard purchase rate will be applied to any unpaid purchase amounts. Purchases, cash advances, balance transfers and special promotions made other than with this offer are charged at the applicable interest rates.

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. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible Bank of Melbourne account holders and cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. 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 this insurance.

3. 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.

4. 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.

5. 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.

6. Amplify Rewards and Amplify Qantas are separate rewards programs that 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 amplify.bankofmelbourne.com.au. For full details visit prioritypass.com/Conditions-of-use.cfm. Qantas Club Lounge Invitations is offered to Qantas Rewards Cardholders who must enrol via loungepass.bankofmelbourne.com.au. Access and use is subject to Qantas Club Rules. For full terms and conditions visit qantas.com/qantasclub and some exclusions apply.

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