Key facts about these credit cards

IMPORTANT NOTICE: From 30 September 2026, we’re making changes to some Bank of Melbourne Credit Card fees and rates, including updates to the Rewards points program. Find out more.

Correct as at: 29 June 2026 BankSA

This information sheet is an Australian Government requirement under the National Consumer Credit Protection Act 2009.

Description of credit cards

Product name Vertigo Card Amplify Platinum Card Amplify Signature Card
Minimum credit limit $500 $6,000 $15,000
Minimum repayments 2% of the closing balance outstanding, or $10; whichever is greater.  If the closing balance is less than $10, it must be paid in full.
Interest on purchases1 13.99% p.a. 20.99% p.a. 20.99% p.a.
Interest free period2 Up to 55 days on purchases only
Interest on cash advances1 21.99% p.a.
Balance transfer interest rate1 For each product, please refer to the Balance Transfer interest rate, term and balance transfer fee (if applicable) set out in the offer details viewed by you.
Annual or monthly fee1,3 $7 a month (equating to $84 per year) $175 p.a. $295 p.a.
Missed payment fee4 $20

There may be circumstances in which you have to pay other fees. A full list of current fees applicable to this credit card can be obtained from www.banksa.com.au/creditcardfees (PDF 166KB)

For more information on choosing and using credit cards visit the ASIC consumer website at www.moneysmart.gov.au

The terms on which this credit card is offered can change over time. You can check if any changes have been made by visiting www.banksa.com.au/creditcardfactsheet

Important information

Credit Card Terms and Conditions (PDF 351KB)

Credit Card Accounts Fees and Charges (PDF 166KB)

Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.

1. Promotional offers may apply.

2. 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.

3. Referred to as the Card Fee in your Credit Contract.

4. Referred to as the Missed Payment Fee in your Credit Contract.

Conditions, fees and credit criteria apply.