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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 12 months on balance transfers*

+

0% p.a. for up to 6 months on purchases^

 

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

* Balance transfer promotion: Apply for a new Bank of Melbourne credit card between 21st February 2017 and 2nd May 2017 and you could pay 0% p.a. for 12 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 12 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.

^ Purchase rate promotion: Apply for a new Bank of Melbourne credit card between 21st February 2017 and 2nd May 2017 and you could pay 0% p.a. for 6 months from the day your card is approved. After 6 months, the rate will switch to the card’s variable purchase which will also apply to any unpaid purchases.