Manage your credit card

Increase your credit limit

  • There are times when you need more leeway with your credit card, for example, if you're going travelling or need to make a large purchase
  • Avoid Over Limit fees by increasing your credit card limit

Minimise fees

  • Get more from your Bank of Melbourne credit card by learning how to minimise fees and charges
  • Keep control of your fees and charges by making regular repayments
  • Pay your closing balance in full by the statement due date to take advantage of interest free days on credit purchases

Redeem Amplify Points

  • Redeem your Amplify Points for gift cards, appliances, events and experiences, travel through Amplify Travel1 and much more.
  • Redeem your Qantas Points for an extensive range of products and services, including Classic Award flights2 and over 1200 products and vouchers from the Qantas Frequent Flyer online store3. Please visit qantas.com/ frequentflyer for more information.

Chip, MasterCard® PayPassTM and Visa payWave

  • Cards with chip technology stores information more securely than a magnetic stripe, making it harder for someone to copy your card details.
  • Speed and convenience – there’s no need to sign or enter your PIN for everyday purchases under $100 at participating merchants, who accept contactless transactions.

Have you considered

Bank of Melbourne SENSE

Bank of Melbourne SENSE is two great accounts working together - SENSE Everyday transaction account and SENSE Savings account.

Personal Loans

Looking to buy a car or consolidate your debts? Bank of Melbourne offers a range of personal loans.

Maxi Saver

Save faster with a high interest online savings account!

The Detail

This information doesn't take your circumstances into account. Read the terms and conditions before making a decision.

Conditions, fees and credit criteria apply.

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

Your welcome letter will also set out some terms and conditions such as interest rates and fees.

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

The information on our website is prepared without knowing your personal financial circumstances. Before you act on this, please consider if it's right for you. If you need help, call 13 22 66.

MasterCard and the MasterCard Brandmark are registered trademarks of MasterCard International Incorporated

PayPass is the trademark of MasterCard International incorporated.

1. Amplify Travel gives you access to most major domestic and international airlines within and from Australia and their connecting partner airlines. As with booking through a travel agent, in certain circumstances seats may not be available on the airline or flight of your choice at the time you wish to travel. Terms and conditions apply. For further details call Amplify Travel on 1300 489 586.

2. Classic Award flights on Qantas and 26 partner airlines. Additional charges and taxes are payable with Qantas Frequent Flyer points or money on Classic Award flights at the time of booking. The number of Qantas & Partner Classic Award seats is limited. The number of seats available depends on the flight, date, season and destination. Some flights may not have any Classic Award seats available. The seats made available for Classic Awards on Qantas flights may also be obtained through the Qantas Any Seat Award booking process (although Qantas Frequent Flyer points required are usually higher, and include surcharges, fees and taxes). Different conditions apply to Any Seat Awards. Members can still choose to obtain those seats as Classic Awards in a separate booking.

3. Store products are for delivery in Australia and New Zealand only (and different products are available in each delivery location). Redemption of points through the online store is subject to terms and conditions (including store terms of use and voucher terms and conditions). See qantas.com/store for details.