Go to home

Summary

Let’s recap on your choice of a No Annual Fee card – before you start your application.

IMPORTANT NOTICE: From 4 July 2024, some of our credit card rates will increase, find out more.

The important numbers

Ongoing annual card fee $0
Variable purchase rate 20.74% p.a. 
Variable cash advance rate 21.49% p.a. 
Minimum credit limit $500

New cards only. 

What you’ll get

  • No annual card fee

  • Up to 55 days interest-free on purchases¹

  • Up to 3 additional cardholders with no annual card fee⁹


     

Considerations

  • Our highest interest rate on purchases

  • No rewards points or complimentary insurances

See if you’re likely to be approved

Answer these questions to see if your application is more or less likely to be approved.

Have you received a regular income in the last 3 months?

Do you have at least $100 remaining each month after covering your expenses?

Have you paid all your bills and loans on time in the last 12 months?

Without a steady and reliable income, we’re unlikely to approve your application. Consider applying when your circumstances change.

As part of your application, Bank of Melbourne makes enquiries with credit reporting bodies. The enquiry will go on your credit file and could affect future credit applications with other institutions. While these questions will give you an indication of approval, credit card applications are still subject to a full assessment against Bank of Melbourne’s credit criteria.

 

If you can’t cover your expenses with a little to spare, we’re unlikely to approve your application. Consider applying when your circumstances change.

As part of your application, Bank of Melbourne makes enquiries with credit reporting bodies. The enquiry will go on your credit file and could affect future credit applications with other institutions. While these questions will give you an indication of approval, credit card applications are still subject to a full assessment against Bank of Melbourne’s credit criteria.

 

If you've missed repayments in the last 12 months, we're less likely to approve your application. Consider applying when your circumstances change.

As part of your application, Bank of Melbourne makes enquiries with credit reporting bodies. The enquiry will go on your credit file and could affect future credit applications with other institutions. While these questions will give you an indication of approval, credit card applications are still subject to a full assessment against Bank of Melbourne’s credit criteria.

 

Based on your answers, we’re more likely to approve your application.

As part of your application, Bank of Melbourne makes enquiries with credit reporting bodies. The enquiry will go on your credit file and could affect future credit applications with other institutions. While these questions will give you an indication of approval, credit card applications are still subject to a full assessment against Bank of Melbourne’s credit criteria.

 

Before continuing

A final check that this is the right credit option for you. Credit cards are a secure payment method for short-term borrowing needs such as everyday purchases or unplanned expenses, with some cards offering additional features like rewards. However, there are instances where it might be worth considering another form of credit:

  • You have a longer-term or specific borrowing need, like a car or home renovations. In this case, view our Personal loans
  • You want a repayment schedule with fixed repayments and a defined loan end-date. In this case, view our Personal loans
  • You need ongoing access to credit to help with short-term cashflow, but don’t want a credit card. In this case, look at our Overdraft
The Detail

Key Facts Sheet

Credit Card Terms and Conditions (PDF 288KB)

Credit Card Accounts Fees and Charges (PDF 3MB)

Conditions, fees and credit criteria apply. Standard rates and fees applicable for new cards. May not apply for existing credit card accounts. 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.

1 55 Days Interest Free: Receive up to 55 days interest free on your purchases if your Monthly Payment Balance is paid in full by the due date shown each month. This amount is calculated as the main account balance minus the balance transfer amount plus any Plan&Pay instalments for this month. If you do not have any Plan&Pay instalments or a balance transfer, the Monthly Payment Balance will be the same as the Closing Balance.

9 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.