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Why choose the No Annual Fee Card?

No annual card fee. Ever.
Enjoy the freedom and security of a credit card with no annual card fee, ever.
Up to 55 days interest free
On purchases when you pay the Closing Balance (or the Monthly Payment Balance with a balance transfer) on time.
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.
Fraud protection
Our Fraud Money Back Guarantee means we’ll refund you 100% of any money taken from your account if you’re a victim of fraud, provided you let us know right away.1

Easy, secure and a fast way to pay with Apple Pay

Enjoy all the benefits of your eligible Bank of Melbourne Visa card using Apple Pay. It’s the easy, secure, and fast way to pay. Learn more

Rates

  • 20.74% p.a. variable interest rate on purchases
  • 21.49% p.a. variable cash advance interest rate
  • 2% of each cash advance amount (minimum of $2.50 capped at $150 per transaction)
  • 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
  • $0 Card replacement fee within Australia ($52.50 outside Australia; $45 emergency replacement fee)

Complimentary services

  • 24/7 fraud monitoring
  • Phone and Internet Banking
  • Automatic repayment plan
  • SMS and email alerts
  • Visa payWave contactless payments for transactions under $200^

Before you apply

To improve the likelihood your application is approved and in a timely manner, please read this section carefully before applying.

  • You’re aged 18 or over
  • You’re an Australian citizen or have a permanent residency visa
  • You have a regular, verifiable income
  • You have a residential address in Australia.

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.

The Detail

New simplified Credit Card Terms and Conditions will take effect from 2nd November 2020. See notice of changes (PDF 1MB) for more details.

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.

^As at 7 April 2020, the contactless transaction limit has been temporarily increased from $100 to $200. This is a temporary increase that is progressively being rolled out and will be only available on certain Bank of Melbourne cards and payment terminals at certain retailers. Customers are encouraged to follow the prompts at each terminal to determine whether a PIN is required. This increase to the contactless limit is part of an industry-wide response to help reduce the spread of COVID-19. 

1. Fraud Money Bank Guarantee: Our Bank of Melbourne Fraud Money Back Guarantee ensures that customers will be reimbursed for any unauthorised transactions provided that the customer has not contributed to the loss and contacted Bank of Melbourne  promptly. Refer to your card’s conditions of use (PDF 344KB) for full details, including when a customer will be liable.

Read the Apple Pay Terms and Conditions (PDF 38KB) before making a decision and consider if it is right for you. To use Apple Pay you will need an eligible card, and a compatible device with a supported operating system. See our Apple Pay FAQs for more information. Apple, the Apple logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.