A truck and passenger train collided at a level crossing in Melbourne's south-east, causing commuter chaos.

The truck towing a trailer was hit by the train near Bonbeach railway station, at around 6.30am.

The truck driver, a 49-year-old Cranbourne man, escaped with only minor injuries and no passengers were injured in the crash, which happened at the level crossing.

There were heavy delays on the Frankston line and the Nepean Highway.

Train collides with truck at a level crossing. Photo: Laurel Irving @laurelirving7

The train did not derail from the tracks.

One commuter reported hearing an 'almighty bang' before a sudden 'jolt'.

Another passenger said: "I felt the train brake suddenly and then a bit of a thump. I knew we'd hit something."

Police are warning drivers not to take chances at level crossings.

"It could have been a tragedy," Sergeant Herb Lonsing told reporters at the scene. "These crossings are dangerous and people need to take care on these crossings.

"I'd say the train was slowing down for the platform, so there was no speed involved. It could have been a lot worse."

Emergency crews used ladders to help passengers off the train.

Buses were replacing trains on the Frankston line between Carrum and Mordialloc throughout peak hour.

Metro Trains said there would be a full investigation into the incident.

Debris at Bonbeach level crossing. Photo: Laurel Irving. @laurelirving7

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