Compare our business credit cards, including their interest rates and fees, so that you choose the product that is right for you.


Our credit cards

 Amplify Business Amplify Business BusinessVantage
BusinessVantage
  Apply now Apply by calling 13 82 66
Fees and rates    
Card Fee (per year)

$89

$0 for the first year^		 $55 per card
Standard purchase rate (variable) 19.49% p.a. 9.99% p.a.
Cash advance rate (variable)

20.24% p.a.

 17.15% p.a.
Up to 55 interest free days on purchases1    
Features    
Minimum credit limit $1,000 $1,000
Additional cards3 Up to 3 Up to 99
Liability Personal Business Liability
Complimentary insurance covers - Unauthorised Transaction Insurance2    
Complimentary insurance covers - Transit Accident Insurance2    
Rewards    
Choice of reward programs, Amplify Rewards4 or Amplify Qantas5    
Uncapped points earn    
Double points on international spend    
Points on government payments    
Access    
Worldwide ATM & point of sale acceptance where Visa is accepted    
Emergency card replacement    
  Apply now Apply by calling 13 82 66

A business credit card acts in much the same way as a personal credit card, but has greater advantages for business owners:

  • Better cash flow management when you use your business credit card, supporting you during the peaks and troughs of your business cycle
  • Separate your business and personal expenses, with additional expense management reports available
  • BusinessVantage lets you control employee spending  by setting individual credit limits per card

Other benefits, depending on which Bank of Melbourne, business credit card you choose, include:

  • Rewards programs, including Amplify Qantas or Amplify Rewards
  • Complimentary insurance on Amplify Business cards includes cover for transit accident and business inconvenience2.
  • A choice of 2 liability structures to suit your business - personal vs. business liability.

The Detail

Conditions, fees and credit criteria apply.

View the terms and conditions.

The information on our website is prepared without knowing your personal financial circumstances. Before you act on this information, please consider if it's right for you. If you need help, call 138 266.

^Discounted annual Card Fee in first year promotion Amplify Business: The first-year annual Card Fee waiver is available when you apply for a new Amplify Business credit card. The first annual Card Fee will be debited on the 12-month anniversary of the first transaction on your account and annually thereafter. This offer may be withdrawn at any time.

1. Up to 55 days interest free on purchases when you pay the full Closing Balance (or Monthly Payment Balance if you made a balance transfer(s) to your card) on time.

2. Complimentary Insurance covers : AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible persons to claim under it as third party beneficiaries. Access to the benefit of cover under the Credit Card Complimentary Insurance is provided to eligible Bank of Melbourne cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). If an eligible persons wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, limits and exclusions contained in the Amplify Business Complimentary Insurance Policy information booklet / BusinessVantage Visa Complimentary Insurance Policy information booklet which may be amended from time to time. This insurance is underwritten by Allianz. Westpac does not guarantee this insurance. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it.

3. An additional card can be issued on the credit card account to any nominated person over the age of 16 years. All transactions using an additional card will be the responsibility of the primary cardholder for Amplify Business or the principals for the BusinessVantage.

4. The earning and redemption of Amplify Points through the use of an Amplify Business card is subject to the Amplify Business Credit Card Rewards Terms and Conditions. Amplify Points are not earned on cash advances, balance transfers and ATM withdrawals or if your card is in arrears and in other specified circumstances. You need a minimum of 3,000 Amplify Points before you can redeem any reward. Specific conditions may apply to the redemption of particular rewards. 

5. The earning and redemption of Qantas Points through the use of an Amplify Business card is subject to the Amplify Business Credit Card Rewards Terms and Conditions. Qantas Points are not earned on cash advances, balance transfers and ATM withdrawals or if your card is in arrears and in other specified circumstances. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. Membership and Qantas Points are subject to the Terms and Conditions of the Qantas Frequent Flyer program. A joining fee usually applies but for a limited time Bank of Melbourne has arranged for this to be waived for the nominated Amplify Business cardholder with a new card who is not already a member and chooses to link their card to Amplify Qantas. For more information on the Qantas Frequent Flyer program visit qantas.com/earningpoints or call 13 11 31.