Bank of Melbourne

Bank of Melbourne is owned by Westpac, which rebranded all St George Bank branches in Victoria to Bank of Melbourne in 2011.

The bank offers a number of credit cards alongside personal finance products such as bank accounts, home loans and personal loans.

Although Bank of Melbourne branches are limited to Victoria, customers can also get service at St George Bank and SA Bank branches in other states, and access their ATM networks.

Bank of Melbourne Credit Cards

Vertigo Platinum
Balance TransferOnline only - 0% p.a. for 24 months on balance transfers requested at card application (1% BT Fee Applies). Rate then switches to applicable variable cash advance rate. $0 annual card fee for the first year (saving you $99).
Purchase Rate
12.74%
Annual Fee
$0for 12 months then $99
Max Free Days
55
Late Payment Fee
$15
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Vertigo Visa
Balance Transfer0% p.a. on balance transfers for 18 months when you apply by 26 September 2018 (1% BT fee applies)
Purchase Rate
13.74%
Annual Fee
$55
Max Free Days
55
Late Payment Fee
$15
Compare
Amplify Platinum (Amplify Qantas)
Bonus PointsEarn 50,000 Bonus Qantas Points when you spend at least $2,000 on eligible purchases within 90 days of card approval. Apply by 26 Sep 2018.
Purchase Rate
19.49%
Annual Fee
$99
Max Free Days
55
Late Payment Fee
$15
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Amplify Classic (Amplify Rewards)
Balance Transfer3% p.a. on balance transfers for 36 months (1% BT fee applies) and $0 annual card fee for the first year when you apply by 26 Sept 2018.
Purchase Rate
19.49%
Annual Fee
$0for 12 months then $79
Max Free Days
55
Late Payment Fee
$15
Compare
Amplify Classic (Amplify Qantas)
Balance Transfer3% p.a. on balance transfers for 36 months (1% BT fee applies) and $0 annual card fee for the first year when you apply by 26 Sept 2018.
Purchase Rate
19.49%
Annual Fee
$0for 12 months then $79
Max Free Days
55
Late Payment Fee
$15
Compare
Amplify Signature (Amplify Qantas)
Bonus PointsEarn 90,000 Bonus Qantas points when you spend at least $4,000 on eligible purchases within 90 days of card approval. Apply by 26 Sep 2018.
Purchase Rate
19.49%
Annual Fee
$279
Max Free Days
55
Late Payment Fee
$15
Compare
Amplify Platinum (Amplify Rewards)
Bonus PointsEarn 50,000 Bonus Amplify Points when you spend at least $2,000 on eligible purchases within 90 days of card approval. Apply by 26 Sept 2018.
Purchase Rate
19.49%
Annual Fee
$99
Max Free Days
55
Late Payment Fee
$15
Compare
Amplify Signature (Amplify Rewards)
Bonus PointsEarn 90,000 Bonus Amplify points when you spend at least $4,000 on eligible purchases within 90 days of card approval. Apply by 26 Sep 2018.
Purchase Rate
19.49%
Annual Fee
$279
Max Free Days
55
Late Payment Fee
$15
Compare
No Annual Fee Visa
Balance Transfer0% p.a. on balance transfers for 12 months when you apply by 26 September 2018. (1% BT fee applies)
Purchase Rate
20.49%
Annual Fee
Max Free Days
55
Late Payment Fee
$15
Compare

About Bank of Melbourne credit cards

Bank of Melbourne credit cards range from standard to gold and platinum, and include rewards cards, frequent flyer cards, classic cards and low-fee cards.

Bank of Melbourne credit cards tend to be moderately low to high. Typically, its standard cards come with a lower interest rate and/or lower fees than top-tier platinum cards.

Some Bank of Melbourne cards come with an introductory balance transfer rate, while others allow balance transfers at the standard interest rate.

In terms of fees, annual fees may be waived entirely or range from moderately low to high. Late payment fees are moderately low, and the interest-free period is moderate.

Bank of Melbourne rewards cards allow customers to earn points for eligible purchases as part of its Amplify Rewards program or Qantas Frequent Flyer program.

Bank of Melbourne credit cards review

As you might expect from a standard bank, Bank of Melbourne offers the typical suite of credit card choices catering to various types of customers.

For customers wanting to earn rewards for spending, Bank of Melbourne rewards credit cards can be used to earn either frequent flyer points or Amplify Rewards points (which can be redeemed for gift cards).

For people looking to save money on their credit card, Bank of Melbourne does offer various lower-rate and lower-fee cards. However, these cards still typically don’t offer the lowest fees or lowest rates on the market.

Likewise, although some Bank of Melbourne credit cards come with an attractive balance transfer offer, others don’t have a balance transfer offer at all.

As such, it’s worth comparing credit cards from various providers before settling on one so you can be sure that a Bank of Melbourne credit card is appropriate for your needs.

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