Summary

Let’s recap on your choice of an Amplify Qantas Signature card – before you start your application.

The important numbers

Annual card fee $295   
Annual Qantas Rewards Program fee $75
Variable purchase rate 20.99% p.a. 
Variable cash advance rate 21.99% p.a. 
Minimum credit limit $15,000
Qantas Points per $1 on international spend 1.2 
Qantas Points per $1 on everyday spend 0.8 
Qantas Points per $1 spend on all other purchases^^ 0.5 
Once you spend $10,000 in a statement cycle, you will earn 0.25 Qantas Points per $1 on further eligible purchases†

New cards only.

Get up to 150,000 bonus Qantas Points+

As an employee##, you could get 90,000 Qantas Points in year 1 if you spend $6k+ on eligible purchases† within 120 days of new card approval and an extra 60,000 points with 6k+ spend on eligible purchases† within 120 days of card anniversary in year 2.

Plus, a $0 card fee for the first year~~ (reverts to $295 p.a. thereafter). A $75 Annual Rewards Program Fee applies if you choose Qantas Rewards Program. 

 

Offer not available if you’ve held a St.George/Bank of Melbourne/Bank SA Rewards card in the last 24 months. New cards only. T&Cs apply. See ‘Important information’ for further information. 

 

What you'll get

  • Complimentary travel and purchase insurances⁴

  • 2 complimentary Qantas Club Lounge passes⁷, if you select Qantas Rewards

  • Concierge Services⁸

  • Up to 55 days interest-free on purchases¹


     

Considerations

  • A higher interest rate on purchases than our Vertigo card

  • Our highest annual card fee

  • $75 Annual Amplify Qantas Rewards Program fee isn't charged on Bank of Melbourne Amplify Rewards cards

See if you’re likely to be approved

Answer these questions to see if your application is more or less likely to be approved.

Have you received a regular income in the last 3 months?

Do you have at least $100 remaining each month after covering your expenses?

Have you paid all your bills and loans on time in the last 12 months?

Without a steady and reliable income, we’re unlikely to approve your application. Consider applying when your circumstances change.

As part of your application, Bank of Melbourne makes enquiries with credit reporting bodies. The enquiry will go on your credit file and could affect future credit applications with other institutions. While these questions will give you an indication of approval, credit card applications are still subject to a full assessment against Bank of Melbourne’s credit criteria.

 

If you can’t cover your expenses with a little to spare, we’re unlikely to approve your application. Consider applying when your circumstances change.

As part of your application, Bank of Melbourne makes enquiries with credit reporting bodies. The enquiry will go on your credit file and could affect future credit applications with other institutions. While these questions will give you an indication of approval, credit card applications are still subject to a full assessment against Bank of Melbourne’s credit criteria.

 

If you've missed repayments in the last 12 months, we're less likely to approve your application. Consider applying when your circumstances change.

As part of your application, Bank of Melbourne makes enquiries with credit reporting bodies. The enquiry will go on your credit file and could affect future credit applications with other institutions. While these questions will give you an indication of approval, credit card applications are still subject to a full assessment against Bank of Melbourne’s credit criteria.

 

Based on your answers, we’re more likely to approve your application.

As part of your application, Bank of Melbourne makes enquiries with credit reporting bodies. The enquiry will go on your credit file and could affect future credit applications with other institutions. While these questions will give you an indication of approval, credit card applications are still subject to a full assessment against Bank of Melbourne’s credit criteria.

 

Before continuing

A final check that this is the right credit option for you. Credit cards are a secure payment method for short-term borrowing needs such as everyday purchases or unplanned expenses, with some cards offering additional features like rewards. However, there are instances where it might be worth considering another form of credit:

  • You have a longer-term or specific borrowing need, like a car or home renovations. In this case, view our Personal loans
  • You want a repayment schedule with fixed repayments and a defined loan end-date. In this case, view our Personal loans
The Detail

Key Facts Sheet

Credit Card Terms and Conditions (PDF 268KB)

Amplify Terms and Conditions (PDF 124KB)

Credit Card Accounts Fees and Charges (PDF 150KB)

Credit Card Complimentary Insurance Terms and Conditions (PDF 339KB)

Conditions, fees and credit criteria apply. Standard rates and fees applicable for new cards. May not apply for existing credit card accounts. This card is issued as a Visa card. Before making a decision read the Terms and Conditions and consider if the product is right for you.

Switches or upgrades are ineligible. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

##Terms & Conditions: Employee and contractor credit cards offers

General

  1. Only one credit card per employee is entitled to the Employee and Contractor Banking Benefits (“Benefits”). The Benefits are not available if your Card is part of a home loan package – including where you link your card with an employee benefit to a home loan package (in which case your card will revert to the standard pricing for the card, subject to the home loan benefit). You are not eligible if your card is subject to a family banking benefit.
  2. Employees: Benefits are available to current permanent employees of the Westpac Group. Contractors: Benefits are available to Australian based (national) contractors only with the Westpac Group. Providing banking benefits to contractors does not in any way alter the status of their engagement with Westpac Group. The Benefits are not available as part of Alumni Banking Benefits.
  3. To receive one of the Benefits, you must apply for your card directly from the dedicated employee banking page. If you however have an existing Westpac credit card and would like to have the relevant benefit applied (provided you meet the eligibility criteria set out in these Terms and Conditions), please phone 1300 360 114 (Mon-Fri 8am to 8pm AEST).
  4. Note that if your card is mistakenly approved for one of the Benefits however we identify that you are not eligible, we will remove the benefit, and your card will revert to the standard advertised rates and fees for your card. As we rely on you to understand the eligibility criteria for the Benefits (and we do not confirm whether you meet the eligibility criteria), our application of the Benefits when you are not eligible is subject to our right to later remove the Benefits.
  5. The relevant Benefit, once applied, will remain for the life of the card, however we may vary the Benefit applied to your card from time to time (for example, increase interest rates or fees). We may also withdraw any of the Benefits at any time.
  6. You are not eligible for the Benefits if you currently hold any credit card issued by Westpac, St.George, Bank of Melbourne or BankSA, or have held one in the last 24 months, where that card is / was subject to any employee benefit.

    Rewards Cards benefits
  7. When applying, you are able to choose either the Standard employee benefit or the Promotional offer. Once applied, you are then unable to change to the other benefit (for example, switch from the Promotional offer to the Standard employee benefit).

+ Amplify Qantas Signature Bonus Qantas Points Offer: Offer commenced 27th November 2025. To be eligible for bonus Qantas Points, you must apply and be approved for a new Amplify Qantas Signature credit card before the offer is withdrawn. You will receive an initial 90,000 bonus points if you spend $6k or more on eligible purchases within 120 days of card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria. These additional points will be credited to your points balance within 12 weeks, after the first eligible purchase is made in the second year of your card account being active. In your second year, spend a minimum of $6k on eligible purchases within 120 days of your card opened date anniversary, and you'll earn an additional 60,000 bonus points. These additional points will be credited to your points balance within 12 weeks of meeting the spend criteria. If you do not meet the minimum spend in the first year, you forfeit the bonus points for the first year only, however you are still eligible for bonus points in the subsequent year if you meet the minimum spend in the subsequent year during the promotional period. Eligible purchases do not include interest, fees and charges, cash, or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account. Existing customers who currently hold an Amplify, Amplify Platinum or Amplify Signature card issued by Bank of Melbourne, St.George or BankSA, or who have held one in the last 24 months, Credit Card Product Switches or upgrades are ineligible for this offer. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

~~First Year Card Fee Waiver for Westpac Group Employees and Contractors: Offer commenced 25 February 2026. The waiver of the first year Card Fee of $295 (Amplify Signature products) and $175 (Amplify Platinum products) is available when you apply and are approved for a new Amplify Platinum or Amplify Signature credit card. After the first year, the Card Fee reverts to $295 (Amplify Signature products) and $175 (Amplify Platinum products) thereafter, and will be debited to your card account on the 12-month anniversary of the Card Fee date and annually thereafter. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

Amplify Qantas: In order to earn and redeem points, you must be a member of Qantas Frequent Flyer program. An annual $75 Amplify Qantas Rewards Program fee applies for customers who choose Amplify Qantas.

† Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account.

^^If you choose to make any payment in any category using an intermediary service (such as Afterpay, PayPal or similar services), these transactions will be categorised as 'all other purchases'. We classify transactions using information provided to us by the card scheme (Visa or Mastercard), which tells us about the main type of business conducted by the Merchant. 

1 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.

The earning and redeeming of Qantas Points is subject to the Amplify Terms and Conditions (PDF 124KB). You must be a member of the Qantas Frequent Flyer program to earn and redeem points. Purchases that are not eligible to earn points include interest, fees and charges, cash, or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances. Qantas Points earned during a statement cycle are added to your Qantas Points balance on a monthly basis.

4 Complimentary Insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible persons to claim under it as third party beneficiaries. Access to the benefit of cover under the Credit Card Complimentary Insurance is provided to eligible Bank of Melbourne cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). If an eligible persons wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, limits and exclusions contained in the Complimentary Insurance Policy Information booklet (PDF 339KB) which may be amended from time to time. This insurance is underwritten by Allianz. Westpac does not guarantee this insurance. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it.

7 Qantas Club Complimentary Lounge Invitations: As a Bank of Melbourne Amplify Qantas Signature cardholder earning Qantas Points, you are eligible for two Qantas Club Complimentary Lounge Invitations for each 12-month period when you register your Bank of Melbourne Amplify Qantas Signature credit card via loungepass.bankofmelbourne.com.au and you have made a transaction of more than $1 within the last 12 months. The 12-month period is based on the date you register your Amplify Qantas Signature credit card via loungepass.bankofmelbourne.com.au. Qantas Club Complimentary Lounge Invitations will be made available via the Complimentary Lounge Invitations Portal, within 14 business days of you meeting the eligible spend.

Qantas Club Complimentary Lounge Invitations will be made available within 14 business days of meeting the eligibility criteria, provided you are not in breach of the Credit Card Terms and Conditions and your account remains open. Log in to your Qantas Frequent Flyer Account or use the Qantas App to access your Complimentary Lounge Invitation, and link it with an eligible Qantas flight booking. To receive your Complimentary Lounge Invitations, you must have provided Westpac with your Qantas Frequent Flyer Number. If you have not yet registered for your complimentary Qantas Frequent Flyer Membership, you may join at qantaspoints.com/ffjoinbom.

Qantas Club Complimentary Lounge Invitations are provided courtesy of Bank of Melbourne, and are valid for Qantas Club and Qantas operated International Business Lounges only (excluding Los Angeles Tom Bradley Airport lounge).

Access and use are subject to the Complimentary Lounge Invitation Terms and Conditions and the Lounge Entry Terms and Conditions.

8 Concierge Services are provided by a third party supplier. For further details including terms and conditions visit www.bankofmelbourne.tenconcierge.com