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Why choose the No Annual Fee Card?

The freedom and security of a credit card with no annual card fee

$500
minimum credit card limit.
Up to 55 days
interest free on purchases when you pay the closing balance by the statement due date each month. Excludes balance transfers.
20.49% p.a.
variable interest rate on purchases.

No Annual Fee could help you

limit your card costs.

With $0 annual fee and up to 55 days interest free, our No Annual Fee card could be a good option for a card you only want to use occasionally.

You also get…

Secure shopping
Verified by Visa lets you shop online knowing your internet purchases and payments are safer and more secure.
Visa payWave
Contactless payments for transactions under $100.
Up to 3 extra cards
For additional cardholders aged 16 or over at no extra cost, provided the account isn't a joint account. Additional card transactions are the responsibility of the primary account holder.

AND RIGHT NOW, AN ADDITIONAL...

0% p.a. for 14 months on balance transfers*

 

No Annual Fee Card

Rates

  • 20.49% p.a. variable interest rate on cash advances and purchases
  • 2% of each cash advance amount
  • 3% of the Australian dollar value for transactions with merchants based overseas

Key fees

  • $15.00 Fee applied for each late or missed payment
  • $9.00 For each dishonour of a payment under the automatic payment plan
  • $15.00 Card replacement fee within Australia ($52.50 outside Australia; $45 emergency replacement fee)

Complimentary services

  • Linking to Bank of Melbourne bank account
  • 24/7 fraud monitoring
  • Phone and Internet Banking
  • Automatic repayment plan
  • SMS and email alerts
  • Visa payWave contactless payments for transactions under $100

The detail

Before making a decision, please read these documents to ensure you're aware of all fees, charges and interest rates.
Credit Card Conditions of Use
All you need to know about our cards.
Credit Card Accounts Fees and Charges
A complete list of card-related costs.

How to apply for a credit card

1.
You apply online in 10 minutes.
2.
We review your application and may ask for supporting documents.
3.
If approved, you'll receive all the information you need to activate and make the most of your new card.

The Detail

Conditions, fees and credit criteria apply.

This card is issued as a Visa card.

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 existing packaged cards are ineligible.

1.  $0 first year annual card fee promotion: The first year annual card fee waiver is available when you apply for a new Bank of Melbourne credit card between 3rd May 2017 and 20th September 2017 and make your first purchase within 12 months from card approval. The first annual card fee will be debited on the 12 month anniversary of the first transaction on your account and annually thereafter.

* Balance transfer promotion: Apply for a new Bank of Melbourne credit card between 3rd May 2017 and 20th September 2017 and you could pay 0% p.a. for 14 months on transferred balances. Simply ask to transfer up to 3 credit balances (min. $200, up to 95% of your approved available credit limit) from any non-St.George, Bank of Melbourne and BankSA Australian issued credit, charge or store cards. The balance transfer will be processed when your card is activated.

After 14 months, the variable purchase rate will apply to any balance left unpaid. Bank of Melbourne will not be responsible for any delays in processing payment to your other card account(s) and will not close them. Interest free days don’t apply to balance transfers and if you transfer a balance at any other time, the variable purchase interest rate applies.