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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

  • Earn 60,000 bonus Qantas or Amplify Points when you spend $4,000 on eligible purchases on your new Amplify Business card within 90 days from card approval.* Offer only for cards approved before 28th February 2019.

  • $0 annual card fee for the first year^

 


 

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

$2 for requests via Phone Banking or Internet Banking

$2 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

 

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.

*Bonus points promotion Amplify Business: The respective bonus points promotions are available when you apply and are approved for a new Amplify Business credit card between 29th November 2018 and 28th February 2019, and spend the minimum amount of $4,000 on eligible purchases on an Amplify Business credit card within 90 days from card approval in one or more transactions. Eligible purchases do not include fees, cash, cash equivalent transactions, BPAY, BPAY equivalent transactions, refunds and balance transfers debited from the card account. The bonus Amplify or Qantas Points will be added to your points balance within 90 days after you meet the eligible spend criteria. This offer does not apply for additional cardholders being added to an existing Amplify Business card facility. Switches, upgrades, customers accessing employee benefits or packaged cards and customers who have held another Amplify Business credit card account within the last 12 months are ineligible for this offer. Qantas Points earned during a statement cycle are added to your Qantas Points balance on a monthly basis.

^Discounted annual card fee in first year promotion Amplify Business: The discounted first year annual card fee promotion is available when you apply and are approved for a new Amplify Business credit card between 29th November 2018 and 28th February 2019. The first annual card fee at the special promotional rate will be debited to your card account on your first transaction and the full annual card fee will be debited annually thereafter.

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

1. 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.

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.