|$0||Annual card fee|
|20.74% p.a.||Variable interest rate on purchases|
|Up to 55 days||Interest free on purchases1|
|$500||Minimum credit limit|
See below for standard rates and fees.
With this groovy offer, you’ll pay 0% p.a. interest on purchases for the first 12 months you have your new card. After that, the interest rate goes back to the variable purchase rate.
Enjoy the freedom and security of a credit card with no annual card fee, ever.
If you haven’t used credit much before, or aren’t confident using it, the $500 minimum limit can help ensure your spend doesn’t get out of control.
That’s more time to pay your purchase balance and avoid interest charges on your purchases1. The interest-free days don’t cover cash advances.
Follow this section to improve the likelihood your application is approved.
<Purchase Rate Promotion: The introductory rate of 0% p.a. on purchases for 12 months applies from card approval when you apply and are approved for a new No Annual Fee credit card between 24th June 2021 and 30th November 2021. After 12 months, the introductory purchase rate will switch to the variable purchase rate then applicable to your card account.
1 55 Days Interest Free: Receive up to 55 days interest free on your purchases if your account is paid in full by the due date shown each month (excluding any balance transfers and Plan&Pay instalments), this is called the Monthly Payment Balance on your statement.
2 An additional credit card can be issued on the primary cardholder's account to any nominated person 16 years or over. All transactions using the additional credit card will be the responsibility of the primary cardholder.
3 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 the for full details, including when a customer will be liable.
Read the 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.
Read the before making a decision and consider if it is right for you. Available for eligible cards. To use Google Pay you will need to use a compatible device with a supported operating system. See our Google Pay FAQs for more information.
Read the before making a decision and consider if it is right for you. To use Samsung Pay you will need to use a compatible device with a supported operating system. See our Samsung Pay FAQs for more information.
Internet connection may be needed to make purchases using Google Pay, Samsung Pay and normal mobile data charges apply.
Android, Google Pay and Google Play are trademarks of Google Inc.
Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.