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 rates
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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If you don’t have your wallet available but need cash, you might be wondering how to get cash with just a credit card number.
Banks and merchants usually will not allow you to access cash without a physical card, because doing so would open up opportunities for fraudulent activities. Even most non-cash credit card transactions (such as shopping online) require you to know the expiry date and CVV on your credit card in addition to the card number.
However, some banks offer cardless cash for transaction accounts – meaning you can access your cash without having a card. Using a secure app installed on your mobile phone, you can log onto an ATM and withdraw the money you need. This could be a practical and secure solution if you don’t have a card and need cash.