Bank of Melbourne Credit Cards

Updated 4 February 2026

Pauline Hatch, Financial Expert at CreditCard.com.au

The Bank of Melbourne has its roots in Victoria, but its door is open to anyone in Australia. A subsidiary of Westpac, Bank of Melbourne has a large variety of credit cards and a decent reputation to back it up.

As you'll see in our comparison table, the credit cards offered by the Bank of Melbourne range from basic credit cards with low-interest rates or low annual fees through to rewards cards packed with points and features. Click the card for our full review of its features.

Want to know a little more about the Bank of Melbourne? It was launched in 1989, acquired by Westpac and rebranded in 2011 into the bank Australia recognises today. Its Bank of Melbourne Foundation has provided more than 100 small charities with almost $3 million in grants since 2013.

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Bank of Melbourne Vertigo Credit Card

30 reviews

6.99% on balance transfers for 36 months

No BT fee. Low ongoing purchase rate. Up to 55 days interest-free on purchases plus free additional cardholder.

6.99% on balance transfers for 36 months

$0 saved over 36 months

No BT fee. Low ongoing purchase rate. Up to 55 days interest-free on purchases plus free additional cardholder.

13.99%

p.a

Purchase rate

13.99% p.a.

6.99%

36 months

reverts to 21.99% p.a. No BT fee

Balance transfer

6.99% 36 months

reverts to 21.99% p.a.No fee

$55

p.a.

Annual fee

$55 p.a.

saved over 36 months

More info

save card

Bank of Melbourne BusinessVantage Credit Card

1 review

Low rate business card

Up to 99 additional cardholders with individual card limits. Complimentary insurance against unauthorised transactions.

Low rate business card

$0 saved over months

Up to 99 additional cardholders with individual card limits. Complimentary insurance against unauthorised transactions.

9.99%

p.a

Purchase rate

9.99% p.a.

N/A

Balance transfer

N/A

p.a.

$55

p.a.

Annual fee

$55 p.a.

saved over months

More info

save card

Bank of Melbourne No Annual Fee Credit Card

2 reviews

No annual fee

Pay no annual fee. Add up to 3 additional cardholders at no extra cost.

Pay no annual fee ever

$0 saved over months

Up to 55 days interest-free on purchases. Add up to 3 additional cardholders at no extra cost.

20.99%

p.a

Purchase rate

20.99% p.a.

N/A

Balance transfer

N/A

p.a.

Annual fee

$0 p.a.

saved over months

More info

save card

Bank of Melbourne Vertigo Credit Card – Cashback Offer

6 reviews

Up to $500 cashback

Receive 10% cashback (up to $500) on your shop at selected leading supermarkets & petrol outlets. Low purchase rate of 13.99% p.a. Eligibility criteria and T&Cs apply.

$0 saved over 12 months

Receive 10% cashback (up to $500) on your shop at selected leading supermarkets & petrol outlets. Low purchase rate of 13.99% p.a. Eligibility criteria and T&Cs apply.

13.99%

p.a

Purchase rate

13.99% p.a.

6.99%

12 months

reverts to 21.99% p.a. No BT fee

Balance transfer

6.99% 12 months

reverts to 21.99% p.a.No fee

$55

p.a.

Annual fee

$55 p.a.

saved over 12 months

More info

save card

Earning reward points with Bank of Melbourne Filter your points

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Bank of Melbourne Amplify Platinum Credit Card

2 reviews

Up to 100,000 bonus Amplify points

Earn 75,000 bonus Amplify Points when you spend $3,000 on eligible purchases within 90 days of card approval, plus 25,000 bonus points after your first eligible purchase in year 2. Discounted annual fee of $99 in the first year (reverts to $175 p.a. thereafter).

Up to 100,000 bonus Amply points

points earned over 12 months

1.25 pts

Amplify

Capped at $5,000 spend per statement cycle; further eligible purchases earn 0.5 points per $1.

Earn rate per $1

1.25 points

Amplify Rewards

Capped at $5,000 spend per statement cycle; further eligible purchases earn 0.5 points per $1.

up to 100k

points

Bonus points

up to 100k

points

$99

first year

then $175 p.a.

Annual fee

$99

first year

then $175 p.a.

pts

over 12 months spend

More info

save card

Bank of Melbourne Amplify Signature Credit Card

1 review

Up to 200,000 bonus Amplify points

Receive 100,000 Amplify Rewards Points in year 1 when you spend $12k+ on eligible purchases, plus 100,000 points after your first eligible purchase in year 2. Premium rewards card features, plus a discounted first year annual fee of $199 (reverts to $295 thereafter).

Up to 200,000 bonus Amplify points

points earned over 12 months

2 pts

Amplify

Capped at $10,000 spend per statement cycle; further eligible purchases in that cycle earn 0.5 Amplify points per $1.

Earn rate per $1

2 points

Amplify Rewards

Capped at $10,000 spend per statement cycle; further eligible purchases in that cycle earn 0.5 Amplify points per $1.

Up to 200k

points

Bonus points

Up to 200k

points

$199

first year

then $295 p.a.

Annual fee

$199

first year

then $295 p.a.

pts

over 12 months spend

More info

save card

Bank of Melbourne Amplify Signature Credit Card – Qantas

2 reviews

Up to 150,000 bonus Qantas points

Earn up to 150,000 bonus Qantas Points – 90,000 points in year 1 when you spend $6,000+ on eligible purchases within 120 days of approval, plus 60,000 points after your first eligible purchase in year 2. Earn 1.2 Qantas Points per $1 international spend, 0.8 Qantas Points per $1 everyday spend, and 0.5 Qantas Points per $1 on all other purchases (0.25 Qantas Points per $1 after $10k spend in a statement cycle).

points earned over 12 months

0.8 pts

Qantas

Capped at $10,000 spend per statement cycle. Further eligible purchases in that cycle earn 0.25 Qantas Points per $1. Bonus Qantas Points excluded in the cap.

Earn rate per $1

0.8 points

Qantas Frequent Flyer

Capped at $10,000 spend per statement cycle. Further eligible purchases in that cycle earn 0.25 Qantas Points per $1. Bonus Qantas Points excluded in the cap.

up to 150k

points

Bonus points

up to 150k

points

$295

p.a.

Annual fee

$295

p.a.

pts

over 12 months spend

More info

save card

Bank of Melbourne Amplify Business Credit Card

1 review

Earn Amplify Rewards points or Qantas Points + $0 annual fee first year fee

Uncapped points on business purchases. Earn 2 Amplify Points or 1 Qantas Point per $1 spent. Add 3 cardholders for free.

Earn Amplify Rewards points or Qantas Points + $0 annual fee first year

points earned over 12 months

Uncapped points on business purchases. Earn 2 Amplify Points or 1 Qantas Point per $1 spent. Add 3 cardholders for free. $0 annual fee first year ($89 thereafter).

1 pt

Amplify

Earn rate per $1

1 point

Amplify Rewards

N/A

Bonus points

N/A

first year

then $89 p.a.

Annual fee

first year

then $89 p.a.

pts

over 12 months spend

More info

save card

Bank of Melbourne Amplify Platinum Credit Card – Qantas

1 review

Up to 100,000 bonus Qantas points

70,000 Qantas Points in year 1 if you spend $4k+ on eligible purchases† within 90 days of new card approval and an extra 30,000 points with $4k+ spend on eligible purchases† within 90 days of card anniversary in year 2 $175 annual fee (or $49 for the first year if you are already a Bank of Melbourne customer, then reverts to $175 p.a. thereafter) plus $75 Qantas Rewards Program fee.

points earned over 12 months

When you spend $4,000 on eligible purchases within the first 90 days of new card approval. $175 annual fee (or $49 for the first year if you are already a Bank of Melbourne customer, then reverts to $175 p.a. thereafter) plus $75 Qantas Rewards Program fee.

0.5 pts

Qantas

Capped at $5,000 spend per statement cycle. Further eligible purchases in that cycle earn 0.2 Qantas Points per $1. Bonus Qantas Points excluded in the cap.

Earn rate per $1

0.5 points

Qantas Frequent Flyer

Capped at $5,000 spend per statement cycle. Further eligible purchases in that cycle earn 0.2 Qantas Points per $1. Bonus Qantas Points excluded in the cap.

Up to 100,000

points

Bonus points

Up to 100,000

points

$175

p.a.

Annual fee

$175

p.a.

pts

over 12 months spend

More info

save card

Bank of Melbourne (part of the St George Group)

Bank of Melbourne is the new face of St.George Bank in Victoria. It represents all of the quality and service of St.George simply with new branding - focused on serving Victoria with a premium banking service. As a relatively new bank it features products based largely on St George's products but with newer offers.

About Bank of Melbourne Credit Cards

Bank of Melbourne products are available nationwide and can be serviced at St.George branches outside Victoria, BankSA branches in South Australia, and of course online. Credit cards can be used wherever they are accepted, and all payment and transaction management can be done through internet banking. You don’t need to live in Victoria to take advantage of the great introductory offers.

History

A subsidiary of Westpac (along with St.George and BankSA), Bank of Melbourne has existed as a brand since 1989. It remained independent until 1997, when Westpac acquired it. The brand was relaunched in 2011 with a focus on serving Victorians.

Bank of Melbourne aims to be as popular and customer-focused in Victoria as St.George has been in New South Wales. Westpac believes a local focus in each state is key—hence the dedicated brands for NSW, Victoria, and SA, alongside Westpac’s broader national coverage.

Credit cards

Providing excellent banking products and services, plus customer service that truly puts the customer first, Bank of Melbourne is on your side when it comes to credit cards. Backed by the Westpac Group, Bank of Melbourne offers a range of affordable credit cards to suit different needs.

If you’re looking for a no-frills credit card with great rates, consider the Bank of Melbourne Vertigo card. For rewards, the Bank of Melbourne Amplify Visa lets you earn points through either the Amplify Rewards program or Amplify Qantas.

With Bank of Melbourne credit cards, you can benefit from attractive introductory offers, competitive ongoing rates, and low annual fees.

Tips & Guides

Amplify Rewards Guide
read the article

Recently Asked Questions

Something you need to know? Ask our credit card expert a question.

Ask a question

Ask Pauline a Question

Hi, I’m a personal finance expert who loves to help you out! I’ll answer your question within a business day. Pinky swear.

8 questions (showing the latest 10 Q&As)

Audrey

30 September 2025

I want to order a new credit card - i have lost my other one

Pauline

7 October 2025

Hi Audrey, sorry to hear you’ve lost your card. That can be stressful. You're on Creditcard.com.au, Australia's leading credit card comparison site. Anyhow, the best step is to call Bank of Melbourne on 13 22 66 so they can cancel it and send you a replacement.

Boopathiraj palanivelu

15 April 2025

Hi pauline can you suggest me a credit card with low annual fee, zero international transaction fee and with reward points

Pauline

22 April 2025

Hi Boopathiraj, quite a lineup of credit card features you’ve got there. It’s hard to pin down one card that has each of those features as they’re all a specific type of card. You could start by comparing a range of rewards credit cards,no annual fee credit card offers and no foreign transaction fee credit cards and try to see if any cards in the category overlap. You can then read our reviews to learn more about each card and whether it ticks your boxes. Hope this has helped!

Shirly

30 November 2019

Hello,I'm just looking for $5000 loan ,what do I need to do and how?

Roland

2 December 2019

Hi Shirly, if you are looking for an unsecured personal loan then have a look at https://www.creditworld.com.au/cua-fixed-personal-loans.html

ralph renard

26 March 2019

Do any of bank of Melbourne rewards credit card exclude government instrumentalities earning points?

Roland

27 March 2019

Hi Ralph, I found this PDF on the Bank of Melbourne website: https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/credit-cards/BOM_Amplify_Rewards_Terms_and_Conditions.pdf. While Amplify Points are earned when you purchase goods and services, please note that Amplify Points are not earned in respect of the following amounts that may be charged to your Card Account: government charges (other than GST payable in connection with the purchase of goods or services on which you earn Amplify Points).

Yvette

24 December 2018

Are there any cards that allow a guarantor? You have an article that describes this as a possibility but no links to cards that do.

Roland

31 December 2018

Hi Yvette, banks change conditions all the time. Why do you need a guarantor for a credit card? If you have bad credit, it will not be possible to get approved. Let me know more details around why you are looking to get a guarantor and what your current income / credit is like.

Elizabeth

12 September 2016

Is it possible to apply for a low rate credit card without doing a balance transfer?

Roland

13 September 2016

Hi Elizabeth, yes it is. A balance transfer offer is always optional and never a compulsory part to apply or be approved. Actually not having a balance transfer may even improve your chances of approval.

Anthony Arrow

5 September 2016

I would like to come in to speak to someone about a credit card with balance transfer and a separate personal loan so I can consolidate some debt.

Roland

6 September 2016

Hi Anthony, for transferring loan debt you need to look at the Citi credit card range. Citi are the only issuer that accept non-Citi personal loans as well as credit cards. Have a look at the Citi Rewards Platinum offer and best of luck with your application.

Sue Delaney

30 April 2015

Hi, I would like to talk with someone regarding your credit card/s balance transfer option. My mobile is 0428683661. Could you please let me know what the timeframes are for call backs as I am unable to call from work - and work 5 days 9-5pm. Thankyou.

Roland

1 May 2015

Hi Sue - we are an online service and typically don't speak to people over the phone. Let me know what your question(s) are and I will get back to you as soon as I can with the best answer I can give. Let me know the amount you want to balance transfer and the bank or banks the debt is currently with. Then I can provide you with a few options.

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Pay no annual fee ever

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Up to 100,000 bonus Amply points

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Up to 200,000 bonus Amplify points

Earn rate per $1

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Earn rate per $1

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Bank of Melbourne (part of the St George Group)

About Bank of Melbourne Credit Cards

History

Credit cards

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Tips & Guides

Recently Asked Questions

8 questions (showing the latest 10 Q&As)

Audrey

Pauline

Boopathiraj palanivelu

Pauline

Shirly

Roland

ralph renard

Roland

Yvette

Roland

Elizabeth

Roland

Anthony Arrow

Roland

Sue Delaney

Roland