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Why choose the No Annual Fee Card?

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

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 12 months on balance transfers

Special offer

  • 1% balance transfer fee applies#.
  • Variable cash advance rate applies after the promotional period.
  • Transferred from up to 3 cards issued by banks other than Bank of Melbourne, St.George Bank and BankSA.
  • Apply for a new Bank of Melbourne credit card between 23rd November 2017 and 18th April 2018


  • 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

How to apply for a credit card

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

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.
It's smooth sailing with a reliable and secure card.

Conditions, fees and credit criteria apply.

Switches, upgrades, or customers accessing employee benefits are ineligible. The above promotions may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

This card is issued as a Visa card.