Quick snapshot
An everyday card with no annual card fee.
| $0 | Annual card fee |
| 20.99% p.a. | Variable interest rate on purchases |
| Up to 55 days | Interest free on purchases1 |
| $500 | Minimum credit limit |
New cards only. See below for standard rates and fees.
Why you'll love the No Annual Fee card
No Annual Card Fee. Ever.
Enjoy the freedom and security of a credit card with no annual card fee, ever.
Up to 55 days interest-free
That’s more time to pay your purchase balance and avoid interest charges on your purchases1. The interest-free days don’t cover cash advances.
Shop through ShopBack. Get Cashback.
Link and pay with your eligible Bank of Melbourne credit card to get exclusive bonus Cashback when you shop on the new Bank of Melbourne Lounge on the ShopBack app.
Other reasons to choose
If you haven’t used credit much before, or aren’t confident using it, the $500 minimum limit can help ensure your spend doesn’t get out of control.
Key rates and fees
| $0 | annual card fee |
| 20.99% | p.a. variable interest rate on purchases |
| 21.99% | p.a. variable cash advance interest rate |
| $15 | fee applied for each late payment or missed payment |
| 3% | of each cash advance amount |
| 3% | of the Australian dollar value for transactions with merchants based overseas |
New cards only. Fees and rates are subject to change. Read our credit card key facts sheet.
Before you apply
Check whether you’re more likely to be approved
- Aged 18 or over
- Australian or New Zealand citizen
- Or hold an acceptable Australian visa, with a minimum of 1 year before expiry
- Have a fixed residential address in Australia
- Have a regular, verifiable Australian taxable income for at least 3 months (18 months for self employed)
- You’re up-to-date with your regular repayments (rent or home loan, phone, other credit cards and loans etc.)
The Detail
1 55 Days Interest Free: Receive up to 55 days interest free on your purchases if your Monthly Payment Balance is paid in full by the due date shown each month. This amount is calculated as the main account balance minus the balance transfer amount plus any Plan&Pay instalments for this month. If you do not have any Plan&Pay instalments or a balance transfer, the Monthly Payment Balance will be the same as the Closing Balance.
2 An additional credit card can be issued on the primary cardholder's account to any nominated person 16 years or over. All transactions using the additional credit card will be the responsibility of the primary cardholder.
3 Fraud Money Bank Guarantee: Our Bank of Melbourne Fraud Money Back Guarantee ensures that customers will be reimbursed for any unauthorised transactions provided that the customer has not contributed to the loss and contacted Bank of Melbourne promptly. Refer to the Credit Card Terms and Conditions (PDF 268KB) for full details, including when a customer will be liable.
Read the Apple Pay Terms and Conditions (PDF 31KB) before making a decision and consider if it is right for you. To use Apple Pay you will need an eligible card, and a compatible device with a supported operating system. See our Apple Pay FAQs for more information. Apple, the Apple logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
Read the Google Pay Terms and Conditions before making a decision and consider if it is right for you. Available for eligible cards. To use Google Pay you will need to use a compatible device with a supported operating system. See our Google Pay FAQs for more information.
Read the Samsung Pay Terms and Conditions before making a decision and consider if it is right for you. To use Samsung Pay you will need to use a compatible device with a supported operating system. See our Samsung Pay FAQs for more information.
Internet connection may be needed to make purchases using Google Pay, Samsung Pay and normal mobile data charges apply.
Android, Google Pay and Google Play are trademarks of Google Inc.
Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.