Amplify Platinum Card
Our platinum credit card has a lower annual fee and the ability to earn points. Enjoy travel related benefits designed to make your journey safe and convenient.
Why choose an Amplify Platinum card?
| 20.99% p.a. | Variable interest rate on purchases |
| Up to 55 days | Interest free on purchases2 |
| $6,000 | Minimum credit limit |
See below for standard rates and fees.
Choose your Amplify Rewards Program
Choose to earn Amplify Rewards points if you want the flexibility of redeeming your points on a range of gift cards, travel, saving on groceries and more. If you prefer to earn Qantas points straight to your Frequent Flyer account each month, select Amplify Qantas.
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Amplify Rewards Platinum
Earn up to 100,000 bonus Amplify Points
* plus a $99 first year card fee (reverts to $175 p.a. thereafter)
**.
Already with Bank of Melbourne? Sign in to apply and get a $49 first year card fee (reverts to $175 p.a. thereafter)
***. New cards only.
Card features
Once you spend $5,000 in a statement cycle, you will earn 0.5 Amplify points per $ on further eligible purchases
†
Plus extra benefits
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Amplify Qantas Platinum
Earn 75,000 bonus Qantas Points~. Already with Bank of Melbourne? Sign in to apply and get a $49 first year card fee (reverts to $175 p.a. thereafter)+. A $75 annual Qantas Rewards Program fee still applies. New cards only.
Card features
Once you spend $5,000 in a statement cycle, you will earn 0.2 Qantas Points per $ on further eligible purchases
†
Plus extra benefits
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What kind of businesses are included in the new ‘everyday spend’ category?
Our ‘everyday spend’ category consists of 5 sub-categories: supermarkets, department stores, petrol stations, dining and utilities. Below is a list of examples of merchants included in these 5 categories:
- Supermarkets include stores such as Woolworths, Coles, IGA, Harris Farm and ALDI
- Department stores include stores such as Kmart, Target, Big W, David Jones and Myer
- Petrol stations include stores such as 7-Eleven, Shell, Ampol, Caltex and BP
- Dining includes restaurants, cafes, fast food, bars, hotels and entertainment venues
- Utilities include payments for water, gas, electricity, internet, mobile and streaming services (excluding BPAY® payments).
Why you'll love the Amplify Platinum card
Amplify Points
Earn up to 2 Amplify points per $1 spent on eligible purchases† , when you select Amplify Rewards
Complimentary Insurances
Shop through ShopBack. Get Cashback.
Link and pay with your eligible Bank of Melbourne credit card to get exclusive bonus Cashback when you shop on the new Bank of Melbourne Lounge on the ShopBack app.
Put a 'yay' in Everyday
Turn your Amplify points into Everyday Rewards points and get more value at the checkout. Learn more
Eligibility, min and max points transfer and T&Cs apply.
Other reasons to choose
Access to Visa’s Luxury Hotel Collection, giving you the best available rate guarantee and upgrade benefits when available5.
Rates, minimum requirements and fees
Variable purchase rate – 20.99% p.a.
Variable cash advance rate – 21.99% p.a.
New cards only.
Fees and rates are subject to change. Read our credit card key facts sheet.
Looking for something else?
Our premier credit card offers the highest earn rate for rewards points. Enjoy exclusive extras like lounge passes, travel insurance and concierge support.
Before you apply
Check whether you're more likely to be approved
- Aged 18 or over
- Australian or New Zealand citizen
- Or hold an acceptable Australian visa, with a minimum of 1 year before expiry
- Have a fixed residential address in Australia
- Have a regular, verifiable Australian taxable income for at least 3 months (18 months for self employed)
- You're up-to-date with your regular repayments (rent or home loan, phone, other credit cards and loans etc.)
The Detail
<Converting Amplify Points: You can convert the points earned on your Amplify Rewards Signature or Amplify Rewards Platinum credit card to e-gift cards via your Amplify Rewards Account, which can be accessed via Bank of Melbourne Internet or Mobile Banking. The estimated e-Gift card value in the above examples are based on current redemption rates as at 4th April 2022 and is subject to change without notification. All redemption of Amplify Points are subject to availability and the Amplify Terms and Conditions (PDF 124KB).
*Amplify Platinum Bonus Amplify Points Offer: Offer commenced 27th August 2025. To be eligible for bonus Amplify Reward Points, you must apply and be approved for a new Amplify Rewards Platinum card before the offer is withdrawn. You will receive an initial 75,000 bonus points if you spend $3k or more on eligible purchases within 90 days of card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria. You will receive an additional 25,000 bonus points if you keep your account open for more than 12 months and continue to use the card. 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. If you do not meet the minimum spend criteria within 90 days of card approval, you forfeit the initial 75,000 bonus points only. However, you are still eligible for the additional 25,000 bonus points in the second year if you continue to use your card. 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 St.George, Bank of Melbourne or BankSA, or who have held one in the last 24 months, or Credit Card Product Switches, upgrades or Westpac group staff are not eligible for this offer. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.
**Amplify Rewards Platinum Discounted First Year Fee: Offer commenced 27th August 2025. The discounted first year card fee promotion is available when you apply and are approved for a new Amplify Rewards Platinum credit card before the offer is withdrawn. The first year card fee at the special promotional rate will be debited to your card account on your Card Fee date and the full card fee will be debited annually thereafter. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.
***Existing Customer Amplify Rewards Platinum Discounted First Year Fee: Offer commenced 27th August 2025. The discounted first year card fee promotion is available when you apply and are approved for a new Amplify Rewards Platinum credit card before the offer is withdrawn. The first year card fee at the special promotional rate will be debited to your card account on your Card Fee date and the full card fee will be debited annually thereafter. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.
^^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.
~Amplify Qantas Platinum Bonus Qantas Points Offer: Offer commenced 26th March 2025. To be eligible for bonus Qantas Points, you must apply and be approved for a new Amplify Qantas Platinum card before the offer is withdrawn and spend the minimum amount of $4k on eligible purchases on an Amplify Qantas Platinum credit card within 90 days from card approval in one or more transactions. 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 to 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, or Credit Card Product Switches, upgrades or Westpac group staff are not eligible for this offer. The bonus Qantas Points will be credited to your Points balance within 12 weeks after the eligible spend criteria is met. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.
+Existing Customer Amplify Qantas Platinum Discounted First Year Fee: Offer commenced 26th March 2025. The discounted first year card fee promotion is available for existing customers when you apply and are approved for a new Amplify Qantas Platinum credit card before the offer is withdrawn. The first year card fee at the special promotional rate will be debited to your card account on your Card Fee date and the full card fee will be debited 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.
The earning and redemption of Amplify Points is subject to the Amplify Terms and Conditions (PDF 124KB). 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.
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.
#Cashback (including Bank of Melbourne bonus Cashback) is offered by ShopBack and not Bank of Melbourne. Cashback offers are not exclusive to Bank of Melbourne cardholders. Bank of Melbourne bonus Cashback is offered exclusively to Bank of Melbourne cardholders who have access to bonus Cashback on top of any other available Cashback. The ShopBack account is not a Bank of Melbourne account. To earn any Cashback, you must hold and maintain an account with ShopBack. Cashback is paid into your ShopBack account. Eligibility criteria, Cashback redemption, withdrawal conditions and T&Cs apply. See ShopBack for further details.
2 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.
3 You must be a member of the relevant transfer partner program to redeem Amplify Points for that partner’s rewards or frequent flyer points. The Amplify Terms and Conditions (PDF 124KB) and the terms and conditions of the relevant transfer partner programs apply. A joining fee may apply. For more information on the Amplify Rewards program, visit Bank of Melbourne Amplify Rewards at amplify.bankofmelbourne.com.au
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.
5 Any offer through Visa Luxury Hotel Collection is valid at participating properties and Visa Platinum and Signature cardholders in the Australia/Pacific, Europe, Middle East and Africa (APCEMEA) regions. Offer is only valid when you pay with a valid and eligible Visa card. Best Available Rate applicable. Not applicable on discounted rates or combined with other offers at time of enquiry/booking. One daily breakfast per person during stay. Excludes all applicable taxes, services, gratuities and charges, and must be a valid and eligible Visa card. Void where prohibited, taxed or restricted by law. All reservations are subject to availability at time of confirmation. Visa and participating properties reserve the right to vary the terms and conditions of this offer. For updated list of participating properties, please visit www.visaluxuryhotels.com or call Visa Concierge for details.
6 An additional credit card can be issued on the primary cardholder's account to any nominated person 16 years or over. All transactions using the additional credit card will be the responsibility of the primary cardholder. All Amplify Points remain the benefit of the primary cardholder.
7 Fraud Money Bank Guarantee: Our Bank of Melbourne Fraud Money Back Guarantee ensures that customers will be reimbursed for any unauthorised transactions provided that the customer has not contributed to the loss and contacted Bank of Melbourne promptly. Refer to the Credit Card Terms and Conditions (PDF 268KB) for full details, including when a customer will be liable.
Read the Apple Pay Terms and Conditions (PDF 382KB) before making a decision and consider if it is right for you. To use Apple Pay you will need an eligible card, and a compatible device with a supported operating system. See our Apple Pay FAQs for more information. Apple, the Apple logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
Read the Google Pay Terms and Conditions before making a decision and consider if it is right for you. Available for eligible cards. To use Google Pay you will need to use a compatible device with a supported operating system. See our Google Pay FAQs for more information.
Read the Samsung Pay Terms and Conditions before making a decision and consider if it is right for you. To use Samsung Pay you will need to use a compatible device with a supported operating system. See our Samsung Pay FAQs for more information.
Internet connection may be needed to make purchases using Google Pay, Samsung Pay and normal mobile data charges apply.
Android, Google Pay and Google Play are trademarks of Google Inc.
Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.