Bank of Melbourne credit cards

Anyone can apply for a card from Bank of Melbourne and enjoy the benefits of their highly competitive interest rates and rewards.

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Updated 28 Mar 2025   |   Rates updated regularly

Comparing 6 of 6 Bank of Melbourne credit cards

Bank of Melbourne Vertigo Visa Credit Card

Not available for application via this website

Apply by 30 April 2025

Bank of Melbourne Vertigo Visa Credit Card

Highlights

  • Get a 0% interest rate on balance transfers for 24 months with a 1% transfer fee. After that, the rate changes to 21.99% p.a. for cash advances.
  • Start with a credit limit as low as $500, helping you keep your spending in check.
  • Add 1 additional cardholder at no extra cost.

Pros

  • A 13.99% p.a. variable rate keeps interest costs lower on purchases.
  • Low annual fee of $55 p.a.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • Note that the balance transfer rate reverts to 21.99% p.a. after 24 months.
  • The 1% balance transfer fee is low but it can add up with large transfers
  • No rewards program which is typical for a basic card.
Bank of Melbourne Vertigo Visa Credit Card (up to $500 total cashback)

Not available for application via this website

Bank of Melbourne Vertigo Visa Credit Card (up to $500 total cashback)

Highlights

  • Earn 10% cashback on purchases at participating supermarkets and petrol stations (with a maximum of $500 cashback). Terms and Conditions apply.
  • Get a 6.99% interest rate on balance transfers for 12 months with no transfer fee. After that, the rate changes to 21.99% p.a. for cash advances.
  • Start with a credit limit as low as $500, helping you keep your spending in check.

Pros

  • This card’s cashback offer makes it a great choice for supermarket and petrol spending.
  • No BT fee.
  • Add 1 additional cardholder at no extra cost.
  • A 13.99% p.a. variable rate keeps interest costs lower on purchases.
  • Low annual fee of $55 p.a.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • Cashback earnings are capped at $500, so planning your spending is important.
  • Other cards offer 0% on balance transfers with longer transfer periods.
  • A 3% overseas transaction fee applies, so it’s worth considering for frequent travelers.
Bank of Melbourne Amplify Platinum Credit Card (Qantas)

Not available for application via this website

Apply by 30 April 2025

Bank of Melbourne Amplify Platinum Credit Card (Qantas)

Highlights

  • Earn 50,000 Qantas Points when you spend at least $3,000 on eligible purchases in the first 90 days from new card approval. Terms and Conditions apply.
  • Earn 0.5 points for every $1 spent on eligible domestic and overseas purchases.
  • Points are automatically transferred to your Qantas Frequent Flyer account, ready to use for flights, upgrades, shopping, and more.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.

Pros

  • Earn 50,000 bonus Qantas Points when you meet the criteria.
  • The discounted annual fee for the first year.
  • Get access to Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
  • Add 1 additional cardholder at no extra cost.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • Earnings are capped at $100,000 annually, but bonus Qantas Points are excluded from this limit.
  • The earning rate of 0.5 points is lower than that of others.
  • A $75 annual fee applies for the Qantas Rewards Program, worth it if you regularly earn points.
Bank of Melbourne Amplify Platinum Credit Card (Amplify)

Not available for application via this website

Apply by 30 April 2025

Bank of Melbourne Amplify Platinum Credit Card (Amplify)

Highlights

  • Earn 100,000 Bonus Amplify Points when you spend at least $3,000 on eligible purchases in the first 90 days from new card approval. Terms and Conditions apply.
  • Earn 1 point for every $1 spent on eligible domestic and overseas purchases.
  • You can use your points for gift cards, travel, transferring to partner airline programs, and other rewards.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.

Pros

  • Earn 100,000 Bonus Amplify Points when you meet the criteria.
  • No limit on the points you can earn, which is great for high-spenders.
  • The discounted annual fee for the first year.
  • Get access to Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
  • Add 1 additional cardholder at no extra cost.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • There is no introductory balance transfer offer, so it’s better suited for everyday spending than consolidating debt.
  • A 3% fee applies to foreign transactions made with your card.
Bank of Melbourne Amplify Signature Credit Card (Amplify)

Not available for application via this website

Apply by 30 April 2025

Bank of Melbourne Amplify Signature Credit Card (Amplify)

Highlights

  • Earn 150,000 Bonus Amplify Rewards Points (equivalent to up to $675 in eGift cards) by spending $12,000 on eligible purchases in your first year. Terms and Conditions apply.
  • Earn 1.5 points for every $1 spent on eligible domestic and overseas purchases.
  • Redeem your points for gift cards, travel, transferring to partner airline programs, and other rewards.
  • Get 2 free Priority Pass lounge visits each year.
  • Use the Concierge Service to book experiences online, including exclusive tickets, last-minute reservations, and more.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.

Pros

  • Earn 150,000 Bonus Amplify Points when you meet the criteria.
  • No limit on the points you can earn, which is great for high spenders.
  • The discounted annual fee for the first year.
  • Access Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
  • Add 1 additional cardholder at no extra cost.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • After the first year, the annual fee reverts to $295 p.a., so factor this into long-term costs.
  • There is no introductory balance transfer offer, so it’s better suited for everyday spending than consolidating debt.
  • A 3% fee applies to foreign transactions made with your card.
Bank of Melbourne Amplify Signature Credit Card (Qantas)

Not available for application via this website

Apply by 30 April 2025

Bank of Melbourne Amplify Signature Credit Card (Qantas)

Highlights

  • Earn 80,000 bonus Qantas points when you spend at least $6,000 on eligible purchases in the first 90 days from new card approval. Terms and Conditions apply.
  • Earn 0.75 points for every $1 spent on eligible domestic and overseas purchases.
  • Earn 2x points on purchases with Qantas Frequent Flyer partners—once with your card and once with the airline partner.
  • Points are automatically transferred to your Qantas Frequent Flyer account, ready to use for flights, upgrades, shopping, and more.
  • Get 2 Qantas lounge passes each year, perfect for adding comfort to your travels.

Pros

  • Earn 80,000 Bonus Qantas Points when you meet the criteria.
  • Use the Concierge Service to book experiences online, including exclusive tickets, last-minute reservations, and more.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.
  • Access Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
  • Add 1 additional cardholder at no extra cost.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • Earnings are capped at $250,000 annually, but bonus Qantas Points are excluded from this limit.
  • The earning rate of 0.75 points is lower than that of others.
  • A $75 annual fee applies for the Qantas Rewards Program, which is worth it if you regularly earn points.

More about Bank of Melbourne credit cards

Find out about fees and interest rates charged, as well as rewards and eligibility.

  • FAQs

What is the most popular Bank of Melbourne credit card?

Based on our data, The Vertigo Credit Card has been the most popular credit card from the Bank of Melbourne for some time.

Does the Bank of Melbourne offer credit cards with an introductory balance transfer offer?

Yes. The Bank of Melbourne has some competitive balance transfer options available. They generally combine zero interest for a long period of time.

Does the Bank of Melbourne offer credit cards for businesses?

Yes, a business can apply for a credit card with the Bank of Melbourne.

Does the Bank of Melbourne offer any credit cards with cashback rewards?

No. The Bank of Melbourne does not offer a cashback credit card. Occasionally they run a promotional offer with a cash lump sum, which is paid after spending a certain amount.

Is there a low interest rate credit card available from the Bank of Melbourne?

You can get a credit card with a low interest rate from the Bank of Melbourne. However, there are usually credit cards with a lower interest rate available (or one with no interest at all).

Does the Bank of Melbourne offer frequent flyer credit cards?

Yes. Frequent flyer credit cards are available from the Bank of Melbourne that can earn points into Qantas Frequent Flyer.

Does the Bank of Melbourne have credit cards with rewards points?

Yes. The Bank of Melbourne offers credit cards that earn points with its rewards program, Amplify Rewards.

What can Bank of Melbourne Amplify Rewards rewards points be used for?

Amplify points can be redeemed for gift cards, merchandise, and travel.

What rewards programs can be linked with the Bank of Melbourne?

It is possible to earn points directly into Qantas Frequent Flyer with the right Bank of Melbourne card.

What partners can points be transferred to from the Bank of Melbourne Amplify Rewards program?

Amplify Rewards points can be transferred to Air New Zealand Airpoints, Cathay Pacific Asia Miles, Qatar Airways Privilege Club, Singapore Airlines KrisFlyer, and Velocity Frequent Flyer.

How can a credit card from the Bank of Melbourne be managed?

Bank of Melbourne credit card customers can manage their accounts via their app, telephone, or in one of their local branches.

Can Bank of Melbourne credit cards be used with a digital wallet?

You can add a Bank of Melbourne credit card to Apple Pay, Google Pay, or Samsung Pay digital wallets.

Is it possible to have more than one Bank of Melbourne credit card?

Yes. It is possible to have more than one Bank of Melbourne credit card open at the same time.

Are instalment plans available for a Bank of Melbourne credit card?

Yes. The Bank of Melbourne does offer instalment plans for their credit cards. Terms and conditions apply as to what transactions can be moved onto an instalment plan.

Who can apply for a credit card from the Bank of Melbourne?

The Bank of Melbourne requires applicants to be at least 18 years old and earning $25,000 or more (varies depending on the card). Citizens and permanent residents can apply, so long as there is no bad credit history.

What documents are required when applying for a Bank of Melbourne credit card?

An Australian driver's licence number is needed when applying for a Bank of Melbourne credit card. They also need details of your income, expenses, and debts, as well as proof of income.

How long does it take for the Bank of Melbourne to process an application?

The Bank of Melbourne will give you an instant decision within 60 seconds of your application being submitted. It takes around 2 days for an application to be fully processed. Your card will arrive several days after.

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