Skip to main content Skip to accessibility page Skip to search input

Business rewards credit card

0% interest on purchases for 12 months and $0 annual fee for the first year. Conditions Apply. Find out more.
Amplify Business is a personal liability business credit card that rewards you for your business expenses. Earn something more rewarding with uncapped points on business purchases.

Apply online now and receive an immediate response

 


 

Special offers

$0 annual card fee for the first year^
+ 0% p.a. on purchases for up to 12 months from card approval*.

 


 

Amplify Business features

 

Up to 4 cards

Enjoy the flexibility of a personal liability credit card with up to 3 additional cardholders.

Complimentary insurance

Including Transit Accident Insurance, Business Inconvenience Insurance and Unauthorised Transaction Insurance1.

Simplified tax reporting

Export expenses directly into MYOB and BAS or download as an Excel file to make analysis of business transactions easy.

Uncapped points

Earn uncapped points on business purchases including double points on international spending. 

 


 

Choose between two rewards programs

 

Amplify Rewards

Redeem Amplify Points2 for:

Rewards from a wide range of categories including appliances, gift cards, charitable donations, entertainment expenses and more

Domestic and international flights on a variety of major airlines, as well as accommodation, holiday packages and car hire through Amplify Travel3

Airline points or miles through Virgin Australia's Velocity program, Malaysia Airlines' Enrich program and Singapore Airlines' KrisFlyer program.
 

Amplify Qantas

Redeem Qantas Points for:

Classic Award flights on Qantas and 35 partner airlines

Qantas and Jetstar Any Seat Award flights

Flight Upgrade Awards on eligible Qantas flights when available

Over 3,000 products, experiences and vouchers from the online Qantas Store.
 

Points earned per $1

Amplify Rewards

Amplify Qantas

Overseas purchases 2 Amplify Points 1 Qantas Points
Australian purchases 1 Amplify Point 0.5 Qantas Points
Government payments 0.5 Amplify Point 0.25 Qantas Points

 


 

Rates and Fees

Transaction

Interest rate

Purchases

19.49% p.a. (variable)

Up to 55 days interest free on purchases when you pay the closing balance (including any balance transfer or promotional amount) by statement due date each month.

Cash advances 20.24% p.a. (variable)

Fee

Amount

Annual card fee

$89

Special offer: $0 annual card fee for the first year^.

Foreign transaction Fee

3% of the Australian dollar value of any Foreign Transaction.

Foreign transaction is any transaction made using the Card:

  • in a currency other than Australian dollars; or
  • in Australian dollars or any other currency with a merchant located outside Australia; or
  • in Australian dollars or any other currency that is processed by an entity located outside Australia.

It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia.

Cash advance fee

$2.50 if your account is in credit (has a positive balance) after a cash advance transaction.

2% of the cash advance amount (minimum $2.50 and maximum $150) if your account is in debit (has a negative balance).

These charges will appear on your credit card statement directly below the relevant cash advance.

Late payment fee $15 applied for each late or missed payment
Card replacement fee

$15 per card within Australia

$52.50 per card outside of Australia

$45 per emergency/urgent replacement card within Australia

Over limit fee $15 applied once per statement period if a transaction is made for an amount exceeding the available credit at the date the transaction is debited to your credit card account.
Automatic payment fee $9 applied once per statement period for each payment dishonoured made under the automatic payment plan.
Statement copy fee

$4.50 for requests via Phone Banking or Internet Banking

$7.50 for all other requests

 


 

How to apply

Intend to use the card predominantly for business expenditure?
Have an Australian residential address?
Are at least 18 years of age?

Find out what information you need to provide

Apply online in as little as 10 minutes and get an immediate response

 

Other ways to apply

You can also apply over the phone or in branch

The Detail

Fees, charges and credit criteria apply.

Find out what information you need to provide to become a customer.

Before making a decision, it's best to read the terms and conditions.

^ Special offer: $0 annual card fee for the first year: The first year annual card fee waiver is available when you apply for a new Bank of Melbourne Amplify Business credit card between 1st November 2016 and 31st January 2018. The first annual card fee will be debited on the 12 month anniversary of the first transaction on your account and annually thereafter on the anniversary of the first annual card fee.

* Special offer: 0% p.a. on purchases for up to 12 months: The introductory rate of 0% p.a. on purchases for up to 12 months applies from card approval when you apply for a new Bank of Melbourne Business Amplify credit card before 31st January 2018. After 12 months, the introductory purchase rate will switch to the variable purchase rate then applicable to your card account. The introductory rate on purchases is not available in conjunction with any promotion other than the special purchase rate and annual card fee waiver offers. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible.

# Depending on your choice of rewards program, you can earn Amplify Points or Qantas Points on your eligible purchases.

1. QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 which allows eligible Bank of Melbourne account holders and cardholders to claim under it as third party beneficiaries. The terms, conditions, limits and exclusions, of the group policy, are set out in the Amplify Business Credit Card Complimentary Insurance Terms and Conditions, which may be amended from time to time. Westpac does not guarantee the insurance. You can get a copy of the policy booklet by calling 13 82 66 or download the Amplify Business Credit Card Complimentary Insurance Terms and Conditions (for claim events prior to 1 October 2017).

AWP Australia Pty Ltd, ABN 52 097 227 177, AFSL 245631, of 74 High Street, Toowong, QLD 4066 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708, has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac), of 275 Kent Street, Sydney, NSW 2000 which allows eligible Bank of Melbourne account holders and cardholders to claim under it as third party beneficiaries. The terms, conditions, limits and exclusions of the group policy are set out in the Amplify Business Credit Card Complimentary Insurance Terms and Conditions which may be amended from time to time. Westpac does not guarantee the insurance. You can get a copy of the policy booklet by downloading the Amplify Business Credit Card Complimentary Insurance Terms and Conditions (effective 1 October 2017).

2. 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. Refer to amplify.bankofmelbourne.com.au.

3. 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.