Every change at Bank of Melbourne

23 changes since 1 March 2026 · our own corrections of a misread figure aren’t shown

October 202618 changes

30Fri
- Credit cardsAmplify Rewards Signaturebonus 200,000 pts → 90,000 pts
  −110k pts
- Credit cardsAmplify Qantas Platinumbonus 100,000 pts → 30,000 pts
  −70k pts
- Credit cardsAmplify Rewards Platinumbonus 100,000 pts → 50,000 pts
  −50k pts
- Credit cardsAmplify Qantas Signaturebonus 150,000 pts → 60,000 pts
  −90k pts
16Fri
- Term depositsTerm Deposit12-month, paid at maturity: 5.20 → 5.4016 days after the RBA rise to 4.60%
  +0.20
12Mon
- Credit cardsAmplify Rewards Platinumfirst-year fee now $174
  —
- Credit cardsAmplify Rewards Signaturefirst-year fee now $274
  —

10Sat

Home loansVariable Home Loan with Offset11 variants up 0.24 to 0.2510 days after the RBA rise to 4.60%

All Variable

P&I · Owner-occupier · ≤70% LVR	6.77	→	7.01	+0.24
P&I · Owner-occupier · 70–80% LVR	6.86	→	7.11	+0.25
P&I · Investor · ≤70% LVR	6.96	→	7.21	+0.25
P&I · Investor · 70–80% LVR	7.06	→	7.31	+0.25
P&I · Owner-occupier · 80–95% LVR	7.16	→	7.41	+0.25
Interest Only · Investor · ≤70% LVR	7.06	→	7.31	+0.25
Interest Only · Owner-occupier · ≤70% LVR	7.00	→	7.25	+0.25
Interest Only · Investor · 70–80% LVR	7.16	→	7.41	+0.25
P&I · Investor · 80–95% LVR	7.36	→	7.60	+0.24
Interest Only · Owner-occupier · 70–80% LVR	7.10	→	7.35	+0.25
Interest Only · Investor · 80–90% LVR	7.46	→	7.71	+0.25

+0.24 to +0.25

Home loansBasic Variable Home Loan11 variants up 0.25 to 0.2610 days after the RBA rise to 4.60%

All Variable

P&I · Owner-occupier · ≤70% LVR	6.30	→	6.55	+0.25
P&I · Owner-occupier · 70–80% LVR	6.40	→	6.65	+0.25
P&I · Investor · ≤70% LVR	6.55	→	6.80	+0.25
P&I · Investor · 70–80% LVR	6.65	→	6.90	+0.25
P&I · Owner-occupier · 80–95% LVR	6.70	→	6.95	+0.25
Interest Only · Investor · ≤70% LVR	6.70	→	6.95	+0.25
P&I · Investor · 80–95% LVR	6.95	→	7.20	+0.25
Interest Only · Investor · 70–80% LVR	6.80	→	7.05	+0.25
Interest Only · Investor · 80–90% LVR	7.10	→	7.36	+0.26
Interest Only · Owner-occupier · ≤70% LVR	6.73	→	6.99	+0.26
Interest Only · Owner-occupier · 70–80% LVR	6.84	→	7.09	+0.25

+0.25 to +0.26

Home loansFixed Rate Home Loan55 variants up 0.13 to 0.2210 days after the RBA rise to 4.60%

1yr Fixed · P&I · Owner-occupier · ≤70% LVR	6.80	→	7.02	+0.22
2yr Fixed · P&I · Owner-occupier · ≤70% LVR	6.84	→	7.03	+0.19
1yr Fixed · P&I · Owner-occupier · 70–80% LVR	6.90	→	7.12	+0.22
2yr Fixed · P&I · Owner-occupier · 70–80% LVR	6.93	→	7.13	+0.20
1yr Fixed · P&I · Investor · ≤70% LVR	6.99	→	7.21	+0.22
2yr Fixed · P&I · Investor · ≤70% LVR	7.01	→	7.21	+0.20
2yr Fixed · Interest Only · Investor · ≤70% LVR	7.02	→	7.22	+0.20
2yr Fixed · P&I · Investor · 70–80% LVR	7.11	→	7.31	+0.20
3yr Fixed · P&I · Owner-occupier · ≤70% LVR	6.92	→	7.10	+0.18
1yr Fixed · Interest Only · Investor · ≤70% LVR	6.99	→	7.21	+0.22
1yr Fixed · P&I · Investor · 70–80% LVR	7.09	→	7.31	+0.22
1yr Fixed · Interest Only · Investor · 70–80% LVR	7.09	→	7.31	+0.22
2yr Fixed · Interest Only · Investor · 70–80% LVR	7.12	→	7.32	+0.20
2yr Fixed · Interest Only · Owner-occupier · ≤70% LVR	6.88	→	7.08	+0.20
1yr Fixed · Interest Only · Owner-occupier · ≤70% LVR	6.83	→	7.05	+0.22
3yr Fixed · P&I · Owner-occupier · 70–80% LVR	7.02	→	7.20	+0.18
3yr Fixed · P&I · Investor · ≤70% LVR	7.11	→	7.28	+0.17
4yr Fixed · P&I · Owner-occupier · ≤70% LVR	7.03	→	7.18	+0.15
2yr Fixed · P&I · Owner-occupier · 80–95% LVR	7.23	→	7.43	+0.20
2yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	6.98	→	7.18	+0.20
1yr Fixed · P&I · Owner-occupier · 80–95% LVR	7.20	→	7.42	+0.22
5yr Fixed · P&I · Owner-occupier · ≤70% LVR	7.10	→	7.24	+0.14
1yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	6.93	→	7.15	+0.22
3yr Fixed · Interest Only · Investor · ≤70% LVR	7.12	→	7.30	+0.18
3yr Fixed · P&I · Investor · 70–80% LVR	7.21	→	7.38	+0.17
4yr Fixed · P&I · Owner-occupier · 70–80% LVR	7.12	→	7.28	+0.16
5yr Fixed · P&I · Owner-occupier · 70–80% LVR	7.20	→	7.34	+0.14
1yr Fixed · P&I · Investor · 80–95% LVR	7.38	→	7.60	+0.22
2yr Fixed · P&I · Investor · 80–95% LVR	7.41	→	7.60	+0.19
3yr Fixed · Interest Only · Owner-occupier · ≤70% LVR	7.01	→	7.18	+0.17
3yr Fixed · Interest Only · Investor · 70–80% LVR	7.22	→	7.39	+0.17
4yr Fixed · P&I · Investor · ≤70% LVR	7.24	→	7.40	+0.16
1yr Fixed · Interest Only · Investor · 80–90% LVR	7.39	→	7.61	+0.22
5yr Fixed · P&I · Investor · ≤70% LVR	7.30	→	7.43	+0.13
3yr Fixed · P&I · Owner-occupier · 80–95% LVR	7.32	→	7.50	+0.18
2yr Fixed · Interest Only · Investor · 80–90% LVR	7.42	→	7.61	+0.19
5yr Fixed · Interest Only · Investor · ≤70% LVR	7.29	→	7.43	+0.14
4yr Fixed · Interest Only · Investor · ≤70% LVR	7.24	→	7.39	+0.15
3yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	7.11	→	7.28	+0.17
5yr Fixed · P&I · Investor · 70–80% LVR	7.40	→	7.53	+0.13
4yr Fixed · P&I · Investor · 70–80% LVR	7.34	→	7.50	+0.16
4yr Fixed · Interest Only · Investor · 70–80% LVR	7.34	→	7.49	+0.15
5yr Fixed · Interest Only · Investor · 70–80% LVR	7.39	→	7.53	+0.14
4yr Fixed · P&I · Owner-occupier · 80–95% LVR	7.42	→	7.58	+0.16
5yr Fixed · Interest Only · Owner-occupier · ≤70% LVR	7.22	→	7.36	+0.14
4yr Fixed · Interest Only · Owner-occupier · ≤70% LVR	7.15	→	7.31	+0.16
3yr Fixed · P&I · Investor · 80–95% LVR	7.51	→	7.68	+0.17
5yr Fixed · P&I · Owner-occupier · 80–95% LVR	7.50	→	7.63	+0.13
3yr Fixed · Interest Only · Investor · 80–90% LVR	7.52	→	7.69	+0.17
5yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	7.32	→	7.46	+0.14
4yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	7.25	→	7.41	+0.16
4yr Fixed · P&I · Investor · 80–95% LVR	7.64	→	7.80	+0.16
5yr Fixed · P&I · Investor · 80–95% LVR	7.70	→	7.83	+0.13
5yr Fixed · Interest Only · Investor · 80–90% LVR	7.69	→	7.83	+0.14
4yr Fixed · Interest Only · Investor · 80–90% LVR	7.64	→	7.79	+0.15

+0.13 to +0.22

9Fri
- Term depositsTerm Deposit8-month, paid at maturity: 5.20 → 3.60
  −1.60
- Savings accountsIncentive Saver5.15 → 5.40Bonus rate 5.14% → 5.39% · 9 days after the RBA rise to 4.60%
  +0.25

8Thu

Home loansVariable Home Loan with Offsetapplication fee $600 → $0 on 11 variants

All Variable

P&I · Owner-occupier · ≤70% LVR	$600	→	$0	−$600
P&I · Owner-occupier · 70–80% LVR	$600	→	$0	−$600
P&I · Investor · ≤70% LVR	$600	→	$0	−$600
P&I · Investor · 70–80% LVR	$600	→	$0	−$600
P&I · Owner-occupier · 80–95% LVR	$600	→	$0	−$600
Interest Only · Investor · ≤70% LVR	$600	→	$0	−$600
Interest Only · Owner-occupier · ≤70% LVR	$600	→	$0	−$600
Interest Only · Investor · 70–80% LVR	$600	→	$0	−$600
P&I · Investor · 80–95% LVR	$600	→	$0	−$600
Interest Only · Owner-occupier · 70–80% LVR	$600	→	$0	−$600
Interest Only · Investor · 80–90% LVR	$600	→	$0	−$600

−$600

Home loansFixed Rate Home Loanapplication fee $600 → $0 on 55 variants

1yr Fixed · P&I · Owner-occupier · ≤70% LVR	$600	→	$0	−$600
2yr Fixed · P&I · Owner-occupier · ≤70% LVR	$600	→	$0	−$600
1yr Fixed · P&I · Owner-occupier · 70–80% LVR	$600	→	$0	−$600
2yr Fixed · P&I · Owner-occupier · 70–80% LVR	$600	→	$0	−$600
1yr Fixed · P&I · Investor · ≤70% LVR	$600	→	$0	−$600
2yr Fixed · P&I · Investor · ≤70% LVR	$600	→	$0	−$600
2yr Fixed · Interest Only · Investor · ≤70% LVR	$600	→	$0	−$600
2yr Fixed · P&I · Investor · 70–80% LVR	$600	→	$0	−$600
3yr Fixed · P&I · Owner-occupier · ≤70% LVR	$600	→	$0	−$600
1yr Fixed · Interest Only · Investor · ≤70% LVR	$600	→	$0	−$600
1yr Fixed · P&I · Investor · 70–80% LVR	$600	→	$0	−$600
1yr Fixed · Interest Only · Investor · 70–80% LVR	$600	→	$0	−$600
2yr Fixed · Interest Only · Investor · 70–80% LVR	$600	→	$0	−$600
2yr Fixed · Interest Only · Owner-occupier · ≤70% LVR	$600	→	$0	−$600
1yr Fixed · Interest Only · Owner-occupier · ≤70% LVR	$600	→	$0	−$600
3yr Fixed · P&I · Owner-occupier · 70–80% LVR	$600	→	$0	−$600
3yr Fixed · P&I · Investor · ≤70% LVR	$600	→	$0	−$600
4yr Fixed · P&I · Owner-occupier · ≤70% LVR	$600	→	$0	−$600
2yr Fixed · P&I · Owner-occupier · 80–95% LVR	$600	→	$0	−$600
2yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	$600	→	$0	−$600
1yr Fixed · P&I · Owner-occupier · 80–95% LVR	$600	→	$0	−$600
5yr Fixed · P&I · Owner-occupier · ≤70% LVR	$600	→	$0	−$600
1yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	$600	→	$0	−$600
3yr Fixed · Interest Only · Investor · ≤70% LVR	$600	→	$0	−$600
3yr Fixed · P&I · Investor · 70–80% LVR	$600	→	$0	−$600
4yr Fixed · P&I · Owner-occupier · 70–80% LVR	$600	→	$0	−$600
5yr Fixed · P&I · Owner-occupier · 70–80% LVR	$600	→	$0	−$600
1yr Fixed · P&I · Investor · 80–95% LVR	$600	→	$0	−$600
2yr Fixed · P&I · Investor · 80–95% LVR	$600	→	$0	−$600
3yr Fixed · Interest Only · Owner-occupier · ≤70% LVR	$600	→	$0	−$600
3yr Fixed · Interest Only · Investor · 70–80% LVR	$600	→	$0	−$600
4yr Fixed · P&I · Investor · ≤70% LVR	$600	→	$0	−$600
1yr Fixed · Interest Only · Investor · 80–90% LVR	$600	→	$0	−$600
5yr Fixed · P&I · Investor · ≤70% LVR	$600	→	$0	−$600
3yr Fixed · P&I · Owner-occupier · 80–95% LVR	$600	→	$0	−$600
2yr Fixed · Interest Only · Investor · 80–90% LVR	$600	→	$0	−$600
5yr Fixed · Interest Only · Investor · ≤70% LVR	$600	→	$0	−$600
4yr Fixed · Interest Only · Investor · ≤70% LVR	$600	→	$0	−$600
3yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	$600	→	$0	−$600
5yr Fixed · P&I · Investor · 70–80% LVR	$600	→	$0	−$600
4yr Fixed · P&I · Investor · 70–80% LVR	$600	→	$0	−$600
4yr Fixed · Interest Only · Investor · 70–80% LVR	$600	→	$0	−$600
5yr Fixed · Interest Only · Investor · 70–80% LVR	$600	→	$0	−$600
4yr Fixed · P&I · Owner-occupier · 80–95% LVR	$600	→	$0	−$600
5yr Fixed · Interest Only · Owner-occupier · ≤70% LVR	$600	→	$0	−$600
4yr Fixed · Interest Only · Owner-occupier · ≤70% LVR	$600	→	$0	−$600
3yr Fixed · P&I · Investor · 80–95% LVR	$600	→	$0	−$600
5yr Fixed · P&I · Owner-occupier · 80–95% LVR	$600	→	$0	−$600
3yr Fixed · Interest Only · Investor · 80–90% LVR	$600	→	$0	−$600
5yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	$600	→	$0	−$600
4yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	$600	→	$0	−$600
4yr Fixed · P&I · Investor · 80–95% LVR	$600	→	$0	−$600
5yr Fixed · P&I · Investor · 80–95% LVR	$600	→	$0	−$600
5yr Fixed · Interest Only · Investor · 80–90% LVR	$600	→	$0	−$600
4yr Fixed · Interest Only · Investor · 80–90% LVR	$600	→	$0	−$600

−$600

1Thu
- Credit cardsAmplify Qantas Signaturebase earn rate 0.5 → 0.4 per $
  —
- Credit cardsAmplify Rewards Platinumannual fee $175 → $250
  +$75
- Credit cardsAmplify Qantas Platinumbase earn rate 0.35 → 0.33 per $
  —
- Credit cardsAmplify Rewards Signatureannual fee $295 → $370
  +$75

September 20261 change

19Sat

Home loansFixed Rate Home Loan55 variants up 0.03 to 0.23

1yr Fixed · P&I · Owner-occupier · ≤70% LVR	6.76	→	6.80	+0.04
2yr Fixed · P&I · Owner-occupier · ≤70% LVR	6.76	→	6.84	+0.08
1yr Fixed · P&I · Owner-occupier · 70–80% LVR	6.86	→	6.90	+0.04
2yr Fixed · P&I · Owner-occupier · 70–80% LVR	6.84	→	6.93	+0.09
1yr Fixed · P&I · Investor · ≤70% LVR	6.95	→	6.99	+0.04
2yr Fixed · P&I · Investor · ≤70% LVR	6.92	→	7.01	+0.09
2yr Fixed · Interest Only · Investor · ≤70% LVR	6.94	→	7.02	+0.08
2yr Fixed · P&I · Investor · 70–80% LVR	7.02	→	7.11	+0.09
3yr Fixed · P&I · Owner-occupier · ≤70% LVR	6.80	→	6.92	+0.12
1yr Fixed · Interest Only · Investor · ≤70% LVR	6.95	→	6.99	+0.04
1yr Fixed · P&I · Investor · 70–80% LVR	7.05	→	7.09	+0.04
1yr Fixed · Interest Only · Investor · 70–80% LVR	7.05	→	7.09	+0.04
2yr Fixed · Interest Only · Investor · 70–80% LVR	7.03	→	7.12	+0.09
2yr Fixed · Interest Only · Owner-occupier · ≤70% LVR	6.81	→	6.88	+0.07
1yr Fixed · Interest Only · Owner-occupier · ≤70% LVR	6.80	→	6.83	+0.03
3yr Fixed · P&I · Owner-occupier · 70–80% LVR	6.90	→	7.02	+0.12
3yr Fixed · P&I · Investor · ≤70% LVR	6.97	→	7.11	+0.14
4yr Fixed · P&I · Owner-occupier · ≤70% LVR	6.88	→	7.03	+0.15
2yr Fixed · P&I · Owner-occupier · 80–95% LVR	7.15	→	7.23	+0.08
2yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	6.91	→	6.98	+0.07
1yr Fixed · P&I · Owner-occupier · 80–95% LVR	7.17	→	7.20	+0.03
5yr Fixed · P&I · Owner-occupier · ≤70% LVR	6.90	→	7.10	+0.20
1yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	6.90	→	6.93	+0.03
3yr Fixed · Interest Only · Investor · ≤70% LVR	6.99	→	7.12	+0.13
3yr Fixed · P&I · Investor · 70–80% LVR	7.07	→	7.21	+0.14
4yr Fixed · P&I · Owner-occupier · 70–80% LVR	6.97	→	7.12	+0.15
5yr Fixed · P&I · Owner-occupier · 70–80% LVR	6.99	→	7.20	+0.21
1yr Fixed · P&I · Investor · 80–95% LVR	7.35	→	7.38	+0.03
2yr Fixed · P&I · Investor · 80–95% LVR	7.32	→	7.41	+0.09
3yr Fixed · Interest Only · Owner-occupier · ≤70% LVR	6.89	→	7.01	+0.12
3yr Fixed · Interest Only · Investor · 70–80% LVR	7.09	→	7.22	+0.13
4yr Fixed · P&I · Investor · ≤70% LVR	7.05	→	7.24	+0.19
1yr Fixed · Interest Only · Investor · 80–90% LVR	7.36	→	7.39	+0.03
5yr Fixed · P&I · Investor · ≤70% LVR	7.08	→	7.30	+0.22
3yr Fixed · P&I · Owner-occupier · 80–95% LVR	7.20	→	7.32	+0.12
2yr Fixed · Interest Only · Investor · 80–90% LVR	7.34	→	7.42	+0.08
5yr Fixed · Interest Only · Investor · ≤70% LVR	7.09	→	7.29	+0.20
4yr Fixed · Interest Only · Investor · ≤70% LVR	7.07	→	7.24	+0.17
3yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	6.99	→	7.11	+0.12
5yr Fixed · P&I · Investor · 70–80% LVR	7.17	→	7.40	+0.23
4yr Fixed · P&I · Investor · 70–80% LVR	7.15	→	7.34	+0.19
4yr Fixed · Interest Only · Investor · 70–80% LVR	7.17	→	7.34	+0.17
5yr Fixed · Interest Only · Investor · 70–80% LVR	7.19	→	7.39	+0.20
4yr Fixed · P&I · Owner-occupier · 80–95% LVR	7.27	→	7.42	+0.15
5yr Fixed · Interest Only · Owner-occupier · ≤70% LVR	7.05	→	7.22	+0.17
4yr Fixed · Interest Only · Owner-occupier · ≤70% LVR	7.00	→	7.15	+0.15
3yr Fixed · P&I · Investor · 80–95% LVR	7.37	→	7.51	+0.14
5yr Fixed · P&I · Owner-occupier · 80–95% LVR	7.30	→	7.50	+0.20
3yr Fixed · Interest Only · Investor · 80–90% LVR	7.38	→	7.52	+0.14
5yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	7.14	→	7.32	+0.18
4yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	7.10	→	7.25	+0.15
4yr Fixed · P&I · Investor · 80–95% LVR	7.45	→	7.64	+0.19
5yr Fixed · P&I · Investor · 80–95% LVR	7.47	→	7.70	+0.23
5yr Fixed · Interest Only · Investor · 80–90% LVR	7.49	→	7.69	+0.20
4yr Fixed · Interest Only · Investor · 80–90% LVR	7.47	→	7.64	+0.17

+0.03 to +0.23

August 20261 change

31Mon
- Savings accountsIncentive Saverbase and bonus changed, total still 5.15Base 0.10% → 0.01%, bonus 5.05% → 5.14%
  Same total

July 20261 change

3Fri

Term depositsTerm Deposit3 terms cut 0.25 to 0.50

12-month, paid at maturity	5.00	→	4.75	−0.25
12-month, paid monthly or half-yearly	4.95	→	4.70	−0.25
13-month, paid monthly or half-yearly	4.95	→	4.70	−0.25
24-month, paid at maturity	5.00	→	4.50	−0.50
24-month, paid monthly or half-yearly	4.95	→	4.45	−0.50

−0.50 to −0.25

May 20261 change

15Fri
- Savings accountsIncentive Saver4.90 → 5.15Bonus rate 4.80% → 5.05% · 9 days after the RBA rise to 4.35%
  +0.25

March 20261 change

27Fri
- Savings accountsIncentive Saver4.65 → 4.90Bonus rate 4.55% → 4.80% · 9 days after the RBA rise to 4.10%
  +0.25

No changes on record for Bank of Melbourne’s personal loans, everyday accounts.